Mobile Contract End Date Checker UK 2026
Not sure when your mobile contract ends? Use our free contract end date checker to find out exactly when you can switch providers without paying early termination fees. Works for O2, EE, Vodafone, Three, Virgin Mobile and all UK networks.
Disclaimer: AtlasMobile is an independent resource and is not affiliated with any mobile network provider. Always confirm contract details with your provider.
Check Your Contract End Date
Your Contract Status
Contract End Date
Your Personalised Advice
Based on your contract details, here's what we recommend.
How to Switch Networks
When you're ready to switch, follow these steps:
- Text PAC to 65075 to receive your PAC code (valid for 30 days)
- Choose your new provider and give them your PAC code
- Your number will be transferred within 1 working day
- Your old contract will automatically end
Tip: If you don't want to keep your number, text STAC to 65075 instead.
Understanding UK Mobile Contracts in 2026
Mobile phone contracts in the UK have evolved significantly over the years. In 2026, consumers have more rights and flexibility than ever before when it comes to their mobile phone agreements. Understanding how your contract works is essential for making informed decisions about when to switch providers and how to avoid unnecessary fees.
A typical UK mobile contract consists of two main components: the airtime agreement (your monthly allowance of calls, texts, and data) and the handset payment (if you received a phone with your contract). Since 2020, Ofcom regulations require providers to separate these costs clearly on your bill, making it easier to understand what you're paying for.
Common Contract Lengths in 2026
UK mobile networks offer various contract lengths to suit different customer needs:
- 12-month contracts: Popular for those who like flexibility and want to upgrade their phone more frequently. Monthly costs tend to be higher, but you're not locked in for long.
- 24-month contracts: The most common option, offering a balance between monthly cost and commitment period. Ideal for most users.
- 36-month contracts: Offered by some providers for flagship devices, spreading the handset cost over three years for lower monthly payments.
- SIM-only rolling contracts: Month-to-month agreements with no minimum term, perfect if you already own a phone.
What Your Contract Includes
Most UK mobile contracts include unlimited calls and texts as standard in 2026. The main differentiator between plans is usually the data allowance, which can range from 1GB to unlimited. Premium plans may also include additional perks such as:
- International roaming in specific destinations
- Streaming service subscriptions (Netflix, Spotify, etc.)
- Priority access to events and tickets
- Device insurance and protection plans
- 5G network access at no extra cost
Early Termination Fees Explained
Early termination fees (ETFs) are charges you may face if you cancel your mobile contract before the minimum term ends. Understanding how these fees work can help you make an informed decision about whether leaving early makes financial sense.
How Early Termination Fees Are Calculated
In the UK, early termination fees are typically calculated as the sum of your remaining monthly payments. However, following Ofcom guidelines, networks may reduce this amount for the airtime portion of your contract, as you won't be using their services. Here's how major UK providers typically handle ETFs:
| Provider | Typical Contract Lengths | Notice Period | ETF Policy |
|---|---|---|---|
| O2 | 12, 24, 36 months | 30 days | Pro-rata remaining months |
| EE | 12, 24 months | 30 days | Pro-rata remaining months |
| Vodafone | 12, 24 months | 30 days | Pro-rata remaining months |
| Three | 12, 24 months | 30 days | Pro-rata remaining months |
| Virgin Mobile | 12, 24 months | 30 days | Pro-rata remaining months |
Example ETF Calculation
Let's say you have a £45/month contract with 8 months remaining. Your potential early termination fee could be calculated as follows:
- Remaining months: 8
- Monthly cost: £45 (£25 airtime + £20 handset)
- Full remaining cost: 8 x £45 = £360
- After reduction (airtime portion): You may only pay the handset portion = 8 x £20 = £160
Always contact your provider directly to get an exact quote for your early termination fee, as calculations can vary based on your specific contract terms.
How to Switch Mobile Provider Step-by-Step
Switching mobile providers in the UK has never been easier, thanks to Ofcom's streamlined switching process introduced in 2019. Here's your complete step-by-step guide to switching networks in 2026:
Step 1: Check Your Contract Status
Use our contract end date checker above to find out when your current contract ends and whether you can switch without early termination fees. You can also text INFO to 85075 to receive your contract details via SMS.
Step 2: Compare New Deals
Research what other providers are offering. Consider factors like data allowance, network coverage in your area, contract length, and any additional perks. Use our network comparison tool to help you decide.
Step 3: Request Your PAC Code
Text PAC to 65075 to receive your Porting Authorisation Code. This is completely free and you'll receive it via SMS within one minute. The PAC is valid for 30 days. If you don't want to keep your number, text STAC instead.
Step 4: Choose Your New Provider
Sign up with your new provider and give them your PAC code during the process. They will handle everything else, including contacting your old provider to arrange the switch.
Step 5: Complete the Switch
Your number will be transferred to your new network within one working day. Your old contract will be automatically cancelled, and you'll receive a final bill for any outstanding charges.
Tips for a Smooth Switch
- Time it right: Request your PAC code close to your contract end date to avoid overlap charges
- Back up your data: Save contacts and important messages before switching
- Check coverage: Ensure your new network has good signal where you live and work
- Keep your old SIM: Don't throw it away until the switch is complete
- Update payment details: Cancel any direct debits once you've received your final bill
Your Rights Under Ofcom Rules
Ofcom, the UK's communications regulator, has established clear rules to protect mobile phone customers. Understanding your rights can help you get the best deal and avoid being unfairly treated by your provider.
Key Consumer Rights in 2026
14-Day Cooling-Off Period: When you sign a new contract online or over the phone, you have 14 days to cancel without penalty. This gives you time to test the service and return equipment if you're not satisfied.
Price Rise Exit Rights: If your provider increases prices mid-contract beyond the rate of RPI or CPI inflation (as specified in your contract), you have the right to leave without paying early termination fees. You must do this within 30 days of being notified about the price rise.
Clear Contract Information: Providers must give you a clear summary of your contract before you sign, including the price, contract length, data allowance, and any price increases you can expect.
End-of-Contract Notifications: Your provider must notify you when your minimum contract period is coming to an end, along with the best deals they can offer you. This helps you avoid paying more than necessary on an out-of-contract rate.
Maximum 30-Day Notice Period: Providers cannot require more than 30 days notice to leave your contract. The simple text-to-switch process (PAC to 65075) makes this easy to do.
Official Resources
- Ofcom Official Switching Guide - Complete information on your switching rights
- Citizens Advice - Phone and Internet Issues - Free advice if you have problems with your provider
What Happens at Contract End
When your mobile phone contract reaches its end date, several things can happen depending on your provider and the type of contract you have. Here's what you need to know:
Rolling Monthly Contract
Most providers will automatically move you to a rolling monthly contract when your minimum term ends. This means you'll continue on the same tariff but can leave at any time with 30 days notice. However, be aware that you may still be paying for your handset even though it's now paid off.
Why You Should Review Your Contract
It's crucial to review your options when your contract ends because:
- Handset overpayment: If your contract included a phone, you may be paying for a handset you've already paid off. Contact your provider to remove this cost or switch to a cheaper SIM-only deal.
- Better deals available: New customer offers are often significantly cheaper than out-of-contract rates. Switching or negotiating can save you hundreds of pounds per year.
- Technology upgrades: Newer plans may include 5G access, more data, or better roaming options at the same or lower price.
Your Provider Must Notify You
Under Ofcom rules, your provider must send you an end-of-contract notification between 10 and 40 days before your minimum term ends. This notification must include:
- Your contract end date
- The services and prices you currently pay
- The best tariffs they can offer you
- Information about how to switch to another provider
Best Time to Switch Provider
Timing your switch correctly can help you avoid overlap charges, get the best deals, and ensure a seamless transition. Here are the optimal times to consider switching your mobile provider:
1. At Contract End (Ideal)
The best time to switch is exactly when your contract ends. Request your PAC code 2-3 weeks before your end date and give it to your new provider. They can schedule the switch to happen on or just after your contract ends, avoiding any overlap or early termination fees.
2. During Major Sales Periods
Mobile networks often offer their best deals during:
- Black Friday and Cyber Monday (November): Often the best deals of the year on both contracts and SIM-only plans
- January Sales: Good time to find discounts as networks clear old stock
- New iPhone/Samsung releases: Older flagship phones become cheaper, and networks compete for customers
3. After a Price Rise Notification
If your provider announces a mid-contract price increase above inflation, you have 30 days to leave penalty-free. This can be an excellent opportunity to switch to a better deal with another provider.
4. When You're Out of Contract
If your contract has already ended and you're on a rolling monthly plan, you can switch at any time. Don't delay - you may be overpaying every month you stay on an out-of-contract rate.
Avoid These Times
- Right after signing: Wait at least 14 days for the cooling-off period to pass if you're happy with your new contract
- Mid-contract without good reason: Early termination fees can make switching very expensive
- Before a major trip: Allow time for your new SIM to arrive and service to activate
Understanding PAC Codes & Switching
What is a PAC Code?
A PAC (Porting Authorisation Code) is a 9-character code that allows you to keep your phone number when switching to a new network. It's free to request and valid for 30 days.
30-Day Notice Period
You can request your PAC code up to 30 days before your contract ends. This lets you time your switch perfectly so you're not paying for overlapping services or waiting without a phone.
Early Termination Fees
If you leave before your contract ends, you may have to pay early termination fees. These typically equal the remaining monthly payments on your contract, though some providers cap these charges.