No contracts, no credit checks — PAYG mobile clearly explained.
PAYG means no monthly contract and no credit check. Top up credit as needed, or buy 30-day bundles. PAYG uses identical network infrastructure to monthly contracts.
From 19 April 2026, Three's new PAYG plans are capped at 25 Mbps (50 Mbps with Auto-Renew Data Packs). There is NO add-on to remove the PAYG speed cap. EE and O2 do not apply speed caps to any tier.
Three PAYG: Go Roam in 71 destinations. Speed cap 25 Mbps — cannot be removed.
O2 PAYG: Big Bundles and Rolling Plans. EU roaming free on eligible bundles.
EE PAYG: Monthly bundles via My EE app. No speed caps.
Tesco Mobile PAYG: 30 Clubcard points per £10 top-up.