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Finder's expert team of reviewers have extensively tested the cameras for every phone on this list because the camera on a phone is more than just the sum of its megapixels. For each phone when we're reviewing them, we put a special focus on the camera capabilities because it's such a key value area for every single smartphone you can buy.
Our editorial team chose the phones in this list on a weighted balance of camera features, quality and our experiences when testing them, compared to other phones available in the market. The selection and order are not based on review scores. Find more detail on our methodology below.
Compare the best camera phones of 2020
You can't help but grasp how seriously Samsung takes the camera on the Galaxy Note 20 Ultra given its immense rear camera bump, although you can mitigate for that a touch with the use of a good phone case. Its combination of a primary 108MP lens along with secondary 12MP ultra-wide and telephoto lenses gives it plenty of flexibility when choosing your shot parameters if you're a fan of pro modes.
Those who are less confident in their shooting prowess should see good results with the Note 20 Ultra's Single Take mode. It's also a superb camera if you want to shoot video, with 8K support onboard. On the minus side, this is a big handset, which can make framing an interesting proposition, and its battery life is only ordinary compared to some other camera phones.
Read our full review of the Samsung Galaxy Note 20 Ultra, including plenty of camera samples.
The Huawei P40 Pro is a curious inclusion, and in many ways, its camera hardware deserves to sit in the top spot of our best camera phones round-up – at least until we've had the chance to test the even more enticing sounding Huawei P40 Pro Plus. Huawei's deal with premium camera maker Leica has enabled it to make the best camera phones on the market for the past couple of years, and the Huawei P40 Pro is no exception, matching up a primary 50MP sensor, a 40MP ultra-wide sensor and a 12MP 5x optical-zoom sensor in a package that shoots well, fast and in just about every possible situation, up to and including underwater photography – although you'll need a special case to shoot that way effectively.
So why isn't it top dog? Simply because of the current ban on Google services that affects every Huawei smartphone. That has a bigger impact in the general smartphone sense obviously, but for camera enthusiasts, it means that it can be tougher to get your photos off the Huawei P40 Pro, harder to share them across your social channels if that's your passion and more limited in the quantity of photo-editing apps if you want to tweak your shots while they're still on the phone.
Read our full Huawei P40 Pro review, including camera samples here.
Apple didn't invent smartphone photography, but it's very much the case that the explosive popularity of the original iPhone saw smartphone photography become a key component of any mobile phone device. Over the years, Apple has tended to lag the general Android market in terms of feature sets, which is why the Apple iPhone 11 Pro Max is the first Apple model to run with three rear lenses.
On paper, the combination of a trio of 12MP lenses might not seem that exciting, but Apple's ability to eke the most out of its hardware and software in iOS allows the Apple iPhone 11 Pro Max to shoot way better shots than you would think possible. It's best suited to those who don't want to tweak settings, and it's not the strongest phone in very dark situations. What it is, is a phone that makes it quite effortless to take great photos, especially in its highly customisable portrait mode, which can finally add bokeh to objects that aren't human faces.
See all the camera samples in our comprehensive Apple iPhone 11 Pro Max review.
While Oppo's core market in Australia for many years was in affordable phones, it has recently stretched itself further into the premium space, albeit with mixed results (especially when it comes to camera quality.) Oppo's made all the right moves with the Oppo Find X2 Pro, a camera phone that sells for less than its Samsung or Apple competition while still delivering a solid array of rear-lens choices and good performance in low-light situations.
Its use of a periscope style lens gives it good zooming capability, but like so many manufacturers right now, it stretches that out to a ludicrous degree. Yes, you can shoot at up to 60x digital zoom on the Oppo Find X2 Pro, but the results are uniformly unimpressive. It's also somewhat limited by the lack of storage expansion, which could be an issue if you take a lot of photos or shoot plenty of video on the go.
Read our full review of the Oppo Find X2 Pro to see photo samples.
If you're after a good camera phone but your wallet cries at you if you even glance in the direction of a Galaxy Note 20 Ultra or Huawei P40 Pro, then Google's more affordable Pixel 4a is the phone you should buy. While you're only shooting with a single 12.2MP lens at the rear, it's what Google is able to do with software that makes the Pixel 4a such a compelling prospect.
In its price bracket, there's simply nothing to touch it in terms of its low-light capability. While that was true of 2019's Pixel 3a as well, the addition of astrophotography capabilities if you've got a tripod handy takes the Pixel 4a even higher. There is a balancing act here, however, because at this price point, plenty of competitors are offering up zoom and ultra-wide options that the Pixel 4a just can't match. It's also a smaller phone, and while that makes it easier to slip into a pocket for your next photographic adventure, it also limits its battery capacity, which could be problematic if you're shooting a lot of content at once.
Read our full review and check out our camera samples from the Google Pixel 4a here.
Typically, the recipe for the second-stringer phone in a flagship phone family is to radically undercut the camera to keep costs low and make the true flagship that much more compelling. That's sort of what Samsung did with the Galaxy Note 20, which isn't quite as good a camera phone as the more expensive Galaxy Note 20 Ultra in a straight-line specifications showdown.
However, when you shoot with the Galaxy Note 20's trio of lenses, you quickly realise that this makes less of an impact than you'd expect. This is a highly competent camera phone in its own right, even if it does play second fiddle to the bigger Ultra Note this year. Given you're saving a fair chunk of cash in the process, that's a trade-off that many camera phone fans may find compelling, whether you prefer to dip into the extensive pro-mode settings or let the enhanced Single Take mode choose camera settings for you on the fly.
Read our full review of the Samsung Galaxy Note 20.
The Google Pixel 4 family has more than a few miles on it, but while we wait for the Google Pixel 5, if you're a fan of the search giant's clean UI and general phone approach, the Google Pixel 4XL is still worth consideration on the camera front. That's largely down to the same AI that powers the Google Pixel 4a's camera capabilities, including its exceptional astrophotography features. The Google Pixel 4XL goes one better with the inclusion of a telephoto lens where previous Pixel models were all strictly monogamous when it came to lens choices.
Dual lenses aren't that exciting, but again, Google's software impresses, giving it a very solid 8x SuperRes hybrid zoom feature that other cameras struggle to match. On the downside, you're once again in fixed-storage land – a feature of every Pixel phone to date – and while the Pixel 3 range had dual front cameras for wide selfies, Google dropped that in favour of its gimmicky "Project Soli" radar sensor for gestures you'll never use anyway.
Read our full review of the Google Pixel 4 XL.
Apple doesn't do "cheap", except when it does. That's been the story of the lower cost iPhone SE line for years, but the earlier SE models had truly mediocre cameras. Truth be told, the iPhone SE 2020's single rear 12MP lens isn't that exciting on its own terms because Apple would very much prefer camera pros invested in the pricier iPhone 11 Pro Max or its upcoming Apple iPhone 12 successor. However, if you're firmly in the iOS camp and looking for a good camera phone that won't break the bank, the iPhone SE 2020 still has its appeal, thanks to the AI processing it gains from the A13 Bionic processor and the huge array of flexible camera apps that iOS users can enjoy.
Read our full review of the Apple iPhone SE 2020.
Samsung's first flagship for 2020 was sold on its camera prowess, and on paper, it wasn't hard to see where Samsung was aiming, with a hefty combination of a primary 108MP lens, a 12MP ultra-wide lens and a 48MP periscope-style telephoto lens. It's the beneficiary of the highest level of zoom on any Samsung flagship phone to date, with up to 100x "Space Zoom" if you really must.
You probably shouldn't, however, with 100x digital zoom shots delivering truly mediocre images in every situation we tested with. At the time of testing, the Galaxy S20 Ultra also had some issues with delivering quickly focused shots that were pleasing, despite the presence of a time-of-flight focusing sensor. It's still a very good camera phone in the comparative market, but it's clearly been outpaced by Samsung's own Galaxy Note 20 Ultra.
Read our full review of the Samsung Galaxy S20 Ultra.
Budget and youth-centric brand realme truly stepped out of its typical comfort zone with the realme X3 SuperZoom, a phone that costs a bit more than most of its highly affordable fare. That could have been a miscalculation, but instead, what realme delivers is a phone that shows off just what you can get for a mid-range price in terms of capabilities, even if some of those features are a little rougher around the edges than some of its more premium-priced competition. With a combo of primary 64MP lens, ultra-wide, 5x optical zoom and macro lenses on board, the realme X3 SuperZoom is capable of shooting just about anything.
The flip side of this is that you may have to work a little harder to get pleasing shots from the realme X3 SuperZoom's camera lenses, especially if you stretch the zoom much beyond its optical limits or want to do a lot of macro shooting.
Read our full review of the realme X3 SuperZoom.
Compare the specs and purchasing options of each phone in the table below. (Click on "View Details" for more product specifications.)
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