Firstly it depends on who you are ringing mostly. For me it's meteor as most of my family are the same so free calls an texts to all. I am on bill, pay 25 a month covers everything.Got an experia on special for 30 euro as the new model came out, there is a lot of 25 euro per month to cover the 400 euro cost of the phone if I were sim only. 18 month contract when its over revert to sim only plan and monthly bill goes down a tenner for the same plan.