Getting a new pay monthly phone does not mean losing your mobile number or risking unexpected charges. In the UK, you can switch networks, keep your number using a PAC code, or cancel your contract with a STAC code.
This guide explains how switching works for pay monthly contracts, how to check your contract status, and what to do before upgrading or moving to a new network.
Check your pay monthly contract before switching
Before switching networks or taking out a new pay monthly phone, it is important to understand your current contract.
Check whether you are still within your minimum term, whether early termination charges apply, and whether your handset is being paid for separately from your airtime.
If you leave a pay monthly contract early, you may be charged the remaining monthly fees. If your minimum term has ended, you are usually free to switch without penalties, although your contract may continue on a rolling basis until you cancel.
You can normally find these details in your online network account, on recent bills, or by contacting your network directly.
How to keep your number when switching networks (PAC code)
If you want to keep your mobile number when switching networks, you will need a PAC code, also known as a Porting Authorisation Code. This allows your existing number to be transferred to a new network.
A PAC code allows your number to be transferred to a new network. It is valid for 30 days and should only be requested when you are ready to switch.
In the UK, you can request a PAC code by texting PAC to 65075 from your mobile phone. Your network must send your PAC code by text, along with details of any early termination charges if they apply.
Some networks may also ask you to confirm personal details, such as your date of birth, before issuing the code.
Once you have your PAC code, you give it to your new network when taking out your new pay monthly contract. This can usually be done during the order process or after your new phone or SIM has arrived. Your number is usually transferred within one working day.
What is a STAC code and when should you use one?
A STAC code, or Service Termination Authorisation Code, is used when you want to leave your network without keeping your number.
You might use a STAC code if you no longer want your current number, if you are cancelling your contract without switching immediately, or if you are moving to a different type of service.
To request a STAC code, text STAC to 75075. Once a STAC code is used, your contract will be cancelled automatically. You will still be charged any required notice period and any outstanding handset or airtime balances on your final bill. Unlike PAC codes, STAC codes are designed to end service rather than transfer a number.
How to check when your pay monthly contract ends
Knowing when your pay monthly contract ends can help you avoid unnecessary charges and make switching easier.
You can usually check your contract end date by logging into your network’s online account, reviewing your monthly bill, or contacting customer support.
If your minimum term has ended, you are free to upgrade, switch, or cancel. Monthly payments may continue until you actively cancel. If you are still in contract, your network should explain any early exit fees before issuing a PAC or STAC code.
How switching options affect your next phone
When it is time to get a new phone on a pay monthly contract, your switching choice affects how the process works.
- Upgrade with your current network: you usually lets you keep your number automatically and move onto a new contract.
- Switch networks and keep your number: use a PAC code when taking out a new pay monthly deal.
- Switch networks without keeping your number: use a STAC code, cancelling your contract and starting fresh with a new provider.
Each option has different costs and implications depending on whether you are still in contract and whether your handset is fully paid off.
If you want to compare what is available before you commit, you can compare pay monthly deals across networks and retailers.
Common pay monthly switching mistakes to avoid
Most problems when switching pay monthly contracts are avoidable. Common mistakes include:
- Cancelling your contract before requesting a PAC code.
- Letting a PAC code expire before using it.
- Not checking for early termination fees.
- Switching mid billing cycle without understanding final charges.
Taking a few minutes to check your contract details can prevent delays and unexpected costs.
Things networks do not always make clear
Some details are easy to miss when switching pay monthly contracts.
- Number transfers usually happen on working days only.
- Weekend switches can be delayed.
- Final bills often include pro rata charges or remaining handset balances, even if your number has already moved.
- Discounts or loyalty benefits may end as soon as a PAC or STAC code is issued, not when the switch completes.
Understanding these points helps avoid surprises during the switching process.
Frequently asked questions
Will switching pay monthly networks affect my credit score?
Taking out a new pay monthly contract usually involves a credit check. Switching networks itself does not negatively affect your credit score.
How long does it take to transfer my number?
Once you give your PAC code to your new network, number transfers usually complete within one working day.
Can I switch if I am still paying off my phone?
In many cases, you will need to pay off the remaining handset balance before switching. This depends on your contract structure.
Summary
Switching to a new pay monthly phone is usually straightforward once you understand your contract status and whether you need a PAC or STAC code.
Checking the details first helps you keep your number, avoid unnecessary charges, and move to a new contract with confidence.
If you are deciding what to buy next, you can also browse mobile phones to shortlist models before you switch.
