Mobile contract ending checklist
When your term is ending, check status first, then choose your switch path. This checklist helps you keep your number, avoid extra charges, and pick the better value option.
Short answer
Text INFO to 85075, decide whether to keep your number, then use PAC or STAC correctly. Compare 12-month costs before accepting a renewal or upgrade.
INFO 85075
quick status check for contract and fees
30 days
typical PAC and STAC validity period
1 working day
typical switch completion once code is used
What to do when your contract is ending
- 1
Check your current status
Text INFO to 85075 and confirm minimum term end date plus any potential early charges.
- 2
Read your end-of-contract notice
Capture current monthly price, post-term price, and any notice details in writing.
- 3
Choose number outcome
Keep number means PAC; new number means STAC. Make this decision before starting the switch.
- 4
Check device-plan balance
If airtime and handset costs are split, confirm any remaining handset payments separately.
- 5
Run a 12-month comparison
Compare staying put, SIM-only, and upgrade paths on full annual cost, not headline monthly only.
PAC vs STAC in plain English
- PAC keeps your existing number when moving provider.
- STAC closes old service and starts a new number with another provider.
- Codes typically expire if unused, so share them promptly with your new provider.
- If you do not use a requested code, your existing service usually stays open.
Final bill and Direct Debit safety checks
- Do not cancel Direct Debit too early; wait for final-bill confirmation.
- Keep screenshots of cancellation and switch confirmations.
- If your account is in credit, track refund timing until funds land.
- Review first bill from your new plan to confirm expected pricing.
Align mobile decisions with move-home admin
- If moving soon, avoid long lock-ins unless coverage and address fit are confirmed.
- Use your move-home plan to sequence energy, broadband, and mobile changes together.
| Option | When it is strongest |
|---|---|
| Stay on rolling plan | Short-term flexibility is your top priority and you accept higher risk of overpaying. |
| Move to SIM-only | Your handset is still good and you want lower monthly cost. |
| Upgrade handset + airtime | You need a new device now and total 12-month cost still works for your budget. |
Mobile contract ending questions
What does INFO 85075 do?
It gives a quick view of contract status and potential early-charge context so you can plan your next step before requesting PAC or STAC.
When should I use PAC instead of STAC?
Use PAC when you want to keep your current number. Use STAC when you want a new number on the new network.
Can I keep my phone if I switch provider?
Usually yes. The key check is whether any handset-finance balance remains under your current arrangement.
Why do many people overpay after contract end?
They keep paying old plan pricing while using far less data than included, or they do not review renewal options in time.
Should I cancel my Direct Debit on switch day?
Normally no. Wait until final-bill settlement is confirmed to avoid arrears or failed final collections.
Continue with mobile switching decisions
These pages help you benchmark value and execute number transfer correctly.
End your mobile contract on your terms
Run the checklist, pick the right transfer path, and choose value over autopilot renewal.