Last updated: 27 October 2026
By: Switch Editorial Team, Switch Squid Ltd
Updated guide, 9 October 2026: for the networks that say in their own words that a SIM plan skips the credit check, including O2’s Pay As You Go and Rolling plans, read our No Credit Check SIM Only Deals October 2026 guide.
O2 update (1 Oct 2026): Classic 30-day / rolling SIMs are back for October — 10GB at £7 up to 250GB at £15, with Priority, EU roaming up to 25GB, and double data for Virgin Media customers. October O2 30-day plans guide →
New on 6 October 2026: Mozillion has launched 1-month rolling big-data SIMs that it says need no credit check: 150GB for £15 a month, 210GB for £16, 260GB for £17 and 310GB for £20, with unlimited UK calls and texts, uncapped 5G on EE and nothing extra to pay upfront. You can stop at the end of any month. Mozillion’s Pay Monthly Plus plans also skip the credit check, but they run for 24 months and about half the cost is paid on day one.
Mozillion 150GB 1-month rolling SIM — £15 a month
- 150GB a month with unlimited UK calls and texts, uncapped 5G and EU roaming in 41 countries
- £15 a month on a 1-month rolling plan when we checked on 27 October 2026, with nothing extra to pay upfront and no credit check
- Main limitation: more data than many people need — if you use under 40GB a month, the cheaper plans below cost less
Affiliate link: we may earn a commission if you buy. It does not change your price.
As of 14 September 2026, the cheapest labelled no-credit-check SIM-only plans on a retailer’s own site started at £6 a month, or £72 over 12 months, on SMARTY Classic 5GB (and 1GB Extra Small) on smarty.co.uk. Lyca Mobile 30GB was £10 for 30 days, with 50% off the first month (£5), when we checked on 27 October 2026: £115 over 12 months if you renew each month. Lyca’s page says there are no credit checks on its pay as you go SIM-only plans. giffgaff’s monthly rolling plans also opened at £6 for 2GB, with a help-centre line saying plans do not trigger credit checks. For heavier users, SMARTY 40GB was £10 on its own price list (£120 a year) and £7 a month through our link when we checked on 27 October 2026. VOXI’s £10 plan had 20GB plus unlimited social media data (£120 a year) when we checked voxi.co.uk on 27 October 2026, and SMARTY 100GB was £12 (£144 a year).
If you would rather pay part of the cost upfront and fix the price for two years, Mozillion Pay Monthly Plus 100GB was £81.25 upfront and then £3.25 a month for 23 months when we checked on 27 October 2026. That is £156 over 24 months (£81.25 + 23 × £3.25), or £6.50 a month on average. Mozillion says the plan needs no credit check and has no mid-contract price rises, and it includes unlimited UK calls and texts and EU roaming in 41 countries. If 80GB is enough, Mozillion’s 80GB plan on the same terms was £75 upfront and then £3 a month for 23 months (£144 over 24 months). You can choose the 100GB plan from the box below the ranking table.
This guide ranks no-credit-check, rolling and pay-as-you-go-style SIMs by 12-month cost on retailers’ own sites, not by comparison-site exclusives. That means SMARTY’s own price list, VOXI’s own plans page, Mozillion’s own plan pages and giffgaff’s published prices. Promo pages can change, so always confirm the basket on the retailer’s site before you pay. Plans without a price on the brand’s own site are left out.
What “no credit check SIM” actually means
UK networks run credit searches when they lend you a handset or stretch a long contract. A no-credit-check SIM is usually a pay-upfront, short-commitment plan: you buy a month of service, the network does not need to underwrite months of unpaid bills, and you can leave when the month ends. That is why SMARTY, giffgaff and VOXI SIMs come up when people search for no-credit-check SIMs — and why a “SIM free phone on 36 months” is a different product entirely.
When we checked on 27 October 2026, SMARTY’s plan pages said its one-month plans have no contracts and no credit checks, because you pay in advance. giffgaff’s help article, last checked on 14 September 2026, said no credit checks are carried out when you buy a plan or an 18-month contract plan; Klarna only appears if you buy a phone on finance. VOXI sells 30-day rolling SIM-only plans with no contract, and the “subject to application, status and credit check” line on its pages sits next to PayPal Credit and Pay in 3 for phones, not the SIM plans themselves. Always read the checkout you are actually on.
Ranking table — 14 September 2026
Rank | Deal (own shop) | £/mo | 12-month cost | Mast / note |
|---|---|---|---|---|
1 | SMARTY Classic 5GB | £6.00 | £72.00 | Three; no credit check page |
1= | SMARTY Classic 1GB | £6.00 | £72.00 | Three |
1= | giffgaff monthly rolling 2GB | £6.00 | £72.00 | O2; giffgaff says no credit check on plans |
4 | SMARTY Classic 16GB | £8.00 | £96.00 | Three |
5 | giffgaff monthly rolling 5GB | £8.00 | £96.00 | O2 |
6 | SMARTY Classic 40GB | £10.00 | £120.00 | Three |
6= | VOXI £10 plan, 20GB plus unlimited social media (checked 27 Oct 2026) | £10.00 | £120.00 | Vodafone; 30-day rolling |
6= | giffgaff 20GB rolling | £10.00 | £120.00 | O2 |
6= | Lyca Mobile 30GB, 30-day plan (checked 27 Oct 2026) | £10.00 (first month £5) | £115.00 | Lyca says no credit check; unlimited UK calls and texts |
9 | SMARTY Classic 100GB | £12.00 | £144.00 | Three |
9= | VOXI £12 plan, 75GB until 26 Nov 2026, then 25GB (checked 27 Oct 2026) | £12.00 | £144.00 | Vodafone; unlimited social, music and video apps |
11 | Mozillion 150GB 1 Month (added 6 Oct 2026, rechecked 27 Oct 2026) | £15.00 | £180.00 | EE; Mozillion says no credit check |
24-month plan | Mozillion 100GB Pay Monthly Plus, 24 months (checked 27 Oct 2026) | £81.25 upfront, then £3.25 | £117.00 in the first 12 months | EE; £156 over 24 months; Mozillion says no credit check |
Mozillion 100GB, 24 months: £81.25 upfront, then £3.25 a month
- 100GB a month with unlimited UK calls and texts, and EU roaming in 41 countries
- £81.25 upfront, then 23 monthly payments of £3.25: £156 over 24 months, or £6.50 a month on average, when we checked on 27 October 2026
- No credit check and no mid-contract price rises, says Mozillion. Main limitation: you commit for 24 months and pay about half the cost on day one
Affiliate link: we may earn a commission if you buy. It does not change your price.
Sources: SMARTY’s own price list, checked on 14 September 2026 and again on 27 October 2026; giffgaff’s help article on credit checks and its monthly rolling prices, checked on 14 September 2026; VOXI’s own plans page and offer terms, and Mozillion’s own plan pages, checked on 27 October 2026. Promo pages can change, so always confirm the basket on the retailer’s site before you pay.
Why SMARTY and giffgaff share the £72 lead
Twelve months at £6 is £72 whether you are on SMARTY 5GB or giffgaff 2GB. The product is not identical. SMARTY sits on Three with a published Classic price list, eSIM support, and a marketing page built specifically around “no credit check SIM only deals”. giffgaff sits on O2’s mast with community support and a one-calendar-month plan clock. If Three is weak at your kitchen table, SMARTY’s £72 is the wrong £72. If O2 is weak on your commute, giffgaff is the wrong £72. A low price without coverage is noise.
SMARTY’s price list also had 1GB Extra Small at the same £6 when we checked on 14 September 2026, useful if you barely leave Wi-Fi. When we checked on 27 October 2026, its own prices went from £8 for 16GB to £9 for 20GB, £10 for 40GB, £12 for 100GB, £15 for 150GB, £17 for 200GB and £20 for unlimited data. SMARTY’s 60GB and 80GB plans are sold only through other retailers, so they stay out of the ranking table.
VOXI: rolling plans, social data and a dated data offer
When we checked voxi.co.uk on 27 October 2026, the £10 plan had 20GB plus unlimited data on selected social media apps. VOXI was also running a 3x data offer: the £12 plan (unlimited social, music and video) had 75GB instead of 25GB, and the £20 plan had 300GB instead of 100GB. VOXI says this offer runs to 26 November 2026, after which those plans go back to 25GB and 100GB. The £15 plan had 35GB, and unlimited data was £35 a month. All VOXI SIM plans are 30-day rolling with no contract. The 12-month column multiplies the monthly price by twelve (£120 for the £10 plan, £144 for the £12 plan), but the boosted 75GB does not last a year. If you rely on it, put 26 November in your calendar and check your allowance then.
VOXI is Vodafone’s youth-focused brand: good if Vodafone coverage is strong where you live and you want social media data that does not eat into your general allowance. Less good if you want a phone on finance, because that comes with its own credit check.
What we left out, and why
Lebara labelled SIM-only prices — when we checked on 14 September 2026, the lebara.co.uk SIM-only page showed help content, not a plan price list. No rank without a price.
Chattr — no plan prices on its own site that we could check.
SMARTY 60GB/80GB — sold only through other retailers, not on SMARTY’s own site.
Comparison-site “bad credit SIM” listings that never resolve to a brand domain.
Handset contracts with Klarna/Pay-in-3 — those can run credit checks even when the SIM brand otherwise does not.
Is a rolling SIM enough, or do you still want 12 months?
No-credit-check searchers usually want escape velocity: a month, then leave. That is the SMARTY/giffgaff/VOXI pitch. Twelve-month iD or Talkmobile promos can still show a lower 12-month cost on a labelled allowance — but they are a different risk profile. If your credit file is bruised, a long contract may simply refuse you at checkout. If your credit file is fine and you know you will stay, compare 12-month costs on our SIM-only comparison pages rather than forcing every heavy-data deal into this no-credit-check page.
A practical rule from bill history:
Under ~5GB/month — SMARTY 5GB or giffgaff 2–5GB at £6–£8 is enough for most social-and-maps use.
20–40GB — SMARTY 40GB (£7 a month through our link, or £10 on SMARTY’s own price list), VOXI £10 (20GB plus unlimited social media), or giffgaff 20GB £10.
100GB+ — SMARTY 100GB £12 or giffgaff 100GB £20; weigh Three vs O2 coverage before chasing the lower price. Mozillion’s 150GB rolling plan at £15 (EE) is another option for heavy users, and if you are happy to commit for two years, Mozillion’s 100GB Pay Monthly Plus plan works out at £6.50 a month on average (£156 over 24 months).
eSIM, PAC and staying live during the switch
SMARTY and giffgaff both support eSIM on compatible handsets; VOXI likewise on supported devices. Porting still uses a PAC from your old network. Order the new SIM, activate data, then port — do not cancel the old line until the new one is alive. If you are escaping a contract early, check any early termination fee on the old side; a no-credit-check SIM does not erase an ETF you already owe.
April rises and “no annual price rise” claims
SMARTY markets plans without the mid-contract April bump you see on many fixed broadband and some 12/24-month mobile contracts. Rolling plans protect you the simple way: leave if next month’s price is wrong. giffgaff and VOXI are also month-to-month on the plans ranked here. Still read the checkout — “no RPI mid-contract rise” is not the same as “this price never changes when you renew”.
How to buy a no-credit-check SIM without getting stung
Open the brand’s own URL in a private window.
Confirm you are buying a SIM-only / plan, not a financed handset.
Note the mast (Three / O2 / Vodafone) and check coverage at home and work.
Note any promo end date (VOXI’s boosted data on the £12 and £20 plans runs to 26 November 2026).
Port with a PAC if you are keeping your number.
When you want the wider market — 200GB price races, family multis, or 12-month promos — use the SwitchSquid SIM-only comparison pages rather than stretching this no-credit-check page.
SMARTY 40GB SIM: £7 a month through our link, one-month plan
- 40GB with unlimited UK calls and texts on Three’s network
- £7 a month through our link when we checked on 27 October 2026. One-month plan with no credit check and no annual price rises, says SMARTY
- The 40GB offer is for new SMARTY customers. The link opens SMARTY’s 16GB plan page with the 40GB offer applied: check the plan name, data and price in the basket before you pay
FAQ
What are the best-value no credit check SIM deals in October 2026?
When we checked on 27 October 2026, SMARTY had 40GB for £7 a month through our link on a one-month plan, and SMARTY’s own price list started at £6 a month for 5GB. VOXI’s £10 plan had 20GB plus unlimited social media data. For heavy users, Mozillion had 150GB for £15 a month on a 1-month rolling plan, or 100GB for £81.25 upfront and then £3.25 a month over 24 months (£156 in total). Lyca’s 30GB plan was £10 for 30 days with 50% off the first month. giffgaff’s £6 2GB plan was last checked on 14 September 2026, so confirm that price on giffgaff’s site.
Does SMARTY really skip credit checks?
Yes, for its SIM plans. When we checked on 27 October 2026, SMARTY’s plan pages said its one-month plans have no contracts and no credit checks, because you pay in advance. That is the SIM plan, not a phone on finance from another brand.
Does giffgaff run a credit check on plans?
When we last checked giffgaff’s help centre, on 14 September 2026, it said no credit checks are carried out when you buy a plan or an 18-month contract plan. Phone loans through Klarna are different. Check giffgaff’s help pages before you buy.
Does VOXI have a data offer on its SIM plans?
Yes. When we checked on 27 October 2026, VOXI’s £12 plan had 75GB instead of 25GB and its £20 plan had 300GB instead of 100GB. VOXI says this runs to 26 November 2026, after which those plans go back to 25GB and 100GB. The £10 plan had 20GB plus unlimited social media data.
Is Mozillion’s 100GB plan a no credit check deal?
Mozillion says its Pay Monthly Plus plans need no credit check and have no mid-contract price rises. The 100GB plan was £81.25 upfront, then £3.25 a month for 23 months when we checked on 27 October 2026: £156 over 24 months. You commit for two years, so if you want to be able to leave any month, the 150GB 1-month rolling plan at £15 a month is the flexible option.
Why is Lebara not in the table?
When we checked on 14 September 2026, the lebara.co.uk SIM-only page we opened showed help content, not a plan price list. We do not rank plans without a price we can check.
Three vs O2 vs Vodafone vs EE: which should I pick?
Pick the network that works where you live and commute. SMARTY uses Three, giffgaff uses O2, VOXI uses Vodafone and Mozillion uses EE. A cheap plan in a dead zone is not a deal.
Can I keep my number?
Yes. Text PAC to 65075 from your current phone and give the code to your new network when you order. Keep the old SIM active until your number moves across.
