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Best Mobile Phone Plans for October 2020

After the best mobile phone plan to meet your needs? We've analysed over 300 mobile plans from 40+ providers and chosen our top picks for you.

Updated . What changed?

Fact checked

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

Best Mobile Phone Plans for October 2020

How did we choose our best picks?

333

Mobile plans compared

45

Mobile providers

8

Expert picks

Every month, our team of experts dig through the hundred of plans available in our Mobile Plan Finder™ to find the best deals in the market. We find ones that we think are best suited for you across a number of categories. None of our picks are sponsored - we also take into account mobile providers and plans that we aren't partnered with - so that our winners for each category are chosen without bias.

We take these factors into account when choosing our winners:

  • Price per month (and whether promotional pricing is involved)
  • Data allowance
  • Plan length and contracts
  • Other notable features such as data banking, and international inclusions


Keep in mind: The plans we've chosen as the best might not always be the best one for you. We encourage you to compare your options and choose the one that best suits what you're looking for.


Best SIM only mobile plan:

Moose $21.80 SIM-Only Plan

SIM-only - Postpaid

This plan from Moose usually comes with just 8GB to use each month, but thanks to its current offer, you get 20GB of data each month for your first 24 months! That bumps up the value of this plan significantly.

It's a limited time offer for new customers only so if you're interested, sign up while it's still available.

  • 20GB per month
  • Unlimited calls & texts
    Optus network
  • $21.8 per month
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Best mobile plan for data:

Circles.Life 100GB for $28

SIM-only - Postpaid

You won't find a better big data deal than this 100GB plan from Circles.Life. Other mobile plans that offer 100GB will cost you at least an extra $22 per month.

The plan costs $28 per month for your first 6 months, then reverts back being $38 a month. Thanks to our Finder exclusive deal, you'll also score a bonus $30 Woolies e-Gift card when you sign up too! Offer ends 30.10.20

  • 100GB per month
  • Unlimited calls & texts
    Optus network
  • $28 per month
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Best prepaid plan:

Lebara Medium $29.90

SIM-only - Prepaid

Lebara is well known for its international call inclusions but they also do decent valued plans even if you don't need to call overseas. For $29.90 a month, you get 35GB to burn through each month (this includes a 5GB monthly bonus until January 20, 2021).

There's also unlimited international calls and texts to 30 countries if you're interested too.

  • 35GB per 30 days
  • Unlimited calls & texts
    Vodafone network
  • $29.9 per 30 days
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Best cheap mobile plan:

TPG 4G Super Value Large 25GB

SIM-only - Prepaid

You might know TPG as an Internet provider, but did you know they also do mobile plans? TPG's 25GB plan is perfect for students who want data at a lower price point.

Be aware that it's only $15 a month for the first 6 months, then $29.99 a month from your 7th month onwards. So if you're not willing to pay the full price after, you'll need to switch prepaid plans.

  • 25GB per month
  • Unlimited calls & texts
    Vodafone network
  • $15 per month
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Best iPhone plan:

Optus Choice 10GB iPhone 11 Plan

Phone contract

With the new iPhone 12 expected to be released later this month, there's most likely going to be a new contender for the best iPhone plan. But for the time being, Optus' Choice plan is our pick.

This plan is on a 24 month contract, so if you're keen to grab a new iPhone, you might be better off waiting till Apple's announced their plans mid-October.

  • 10GB per month
  • Unlimited calls & texts
    Optus network
  • $88.95 per month
    Min. total cost: $
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Best Samsung plan:

Optus Choice Samsung S20 5G Plan

Phone contract

Keen to connect to the 5G network? Samsung's S20 5G phone with Optus' plan will give you 5G access, so long as you're within Optus' coverage area.

This plan is perfect for those who aren't looking for too much data, coming up to just over $100 a month which includes your handset repayment.

  • 10GB per month
  • Unlimited calls & texts
    Optus network
  • $101.43 per month
    Min. total cost: $
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Best 365 day prepaid mobile plan:

Catch 120GB 365 Days

SIM-only - Prepaid

Catch is widely known for its frequent deals, and its 120GB for $120 wins out as the best year-long expiry plan at $1 per 1GB. You'll get your whole data allowance up front, so you can use it whenever.

Keep in mind that this is a promo price so the plan will auto renew at its regular price of $150 by default every year, so make sure to opt out of this if you aren't keen on the long term commitment.

  • 120GB per 365 days
  • Unlimited calls & texts
    Optus network
  • $120 per 365 days
Learn more

Best mobile plan for roaming:

Vodafone SIM-Only Lite Plan

SIM-only - Prepaid

Need a phone plan to take with you overseas? Whether you're travelling to visit family and friends, or just going to enjoy yourself, having a mobile plan to use overseas is always handy. It's hard to beat Vodafone when it comes to the best mobile plan for travel.

You can add Vodafone's $5/day roaming pack onto any of its SIM-only plans. We've gone with its cheapest plan as our best pick. Until November 12, this plan is just $35/month for the first 12 months. The plan goes back to being $40/month afterwards.

  • 30GB per month
  • Unlimited calls & texts
    Vodafone network
  • $35 per month
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What makes the best mobile plan?

There isn’t a single answer to this, because it depends entirely on what you’re looking for and your personal mobile habits. With that in mind, here’s what to consider when narrowing down the right mobile plan for you:

  • Cost. This can go anywhere from $15 to over $100 a month, depending on what you get. For a prepaid plan, consider how frequently you’ll need to recharge. Figure out your maximum monthly mobile budget and remember the cheapest plans aren’t always the best due to very limited inclusions.
  • Data inclusions. Not just how much data you have, but whether you get free streaming, international roaming or data rollover between months.
  • Network and coverage. Telstra’s, Vodafone’s and Optus’ 3G/4G networks may have variable coverage over where you live, work and travel. Certain devices might enjoy faster speeds with some 4G networks like Telstra’s.
  • Excess data and charges. What happens when you go over your data limit? Some providers like Telstra or Vodafone may just lower your connection speed to 1.5Mbps, while others will charge you an extra $10 or so for additional GB blocks.

Should I get a prepaid or postpaid plan?

PrepaidPostpaid
Bills are paidAt the beginning of the monthAt the end of the month
Bill shockNeverWhen you go over your data or talk limits
ValueGenerally low in data per dollarCan be high, though watch out for early termination fees on contracts
BYO phone?YesYes with a SIM only plan, or included handsets are available on contracts
Data/credit rolloverSometimesRarely
Promotional dealsOftenOften
Best for
  • Infrequent or light mobile users
  • People whose usage changes month to month
  • Seniors and kids
  • Heavy mobile users
  • People who use their phone roughly the same amount each month
  • Anyone who wants a new phone with their plan

Is it better to buy a mobile outright or with a plan?

The first thing to know is that whether you buy your mobile upfront or on a plan, the actual cost you pay for the handset doesn’t change. The main difference is that you’ll be locked to a particular phone plan for the length of the contract and you’ll be paying the phone off over a period of time rather than all at once.

Generally, you’re better off buying the phone outright and picking a cost-efficient SIM only plan to go with it. However, if you can’t afford the handset outright or want the convenience of getting everything from a single provider, a contract could be the way to go. Just be aware that the plans available with handsets may not be the best mobile deal you can get.

Which is better: an MVNO or the actual provider?

A mobile virtual network operator (MVNO) is a third-party retailer that offers mobile plans on Telstra’s, Vodafone’s or Optus’s networks, rather than owning or building its own infrastructure. The biggest difference between an MVNO and one of the big three carriers is usually cost, but you can see our guide on MVNOs to find out more.

Pros

  • Cheaper plans. Because MVNOs don’t have to pay to build and maintain network infrastructure, they usually have cheaper plans on offer than a provider like Telstra, which has more overheads.
  • Flexibility. Almost all MVNOs provide phone plans on a month-to-month basis rather than a multi-month contract, meaning you can switch plans easily to get the best value or as your needs change.

Cons

  • Reduced coverage. Most MVNOs use the wholesale network of a particular carrier, which offers slightly less coverage overall – usually only relevant in certain regional areas.
  • Limited handset options. Few MVNOs have handsets on contracts. If you want a new phone with your plan, you’ll likely have to go with a major carrier.
  • Fewer extras. Lower costs mean fewer features. You probably won’t get as many plan extras like free streaming from an MVNO compared to a more expensive major carrier plan.

Frequently asked questions

Can I bring my existing number to a new phone plan?

When switching to a new plan, you should almost always have the option to bring your old number with you at checkout. Always check with your new carrier first and do not cancel your current plan before buying a new one or you could lose your number. Read our guide on mobile number porting for more in-depth instructions.

What are data only SIM plans?

A data only SIM plan is a form of mobile broadband where you purchase a certain amount of GBs but don't get access to mobile network communication features. This means that if you insert a data only SIM into your phone, you won't be able to make calls or send texts, but you will be able to browse the Internet.However, a data only SIM can be inserted into any SIM-enabled device, including some laptops, tablets and other devices. You can also plug them into certain wireless modems, which can then be used as hotspots to provide network access. Learn more on our mobile broadband page.

What if I want to change phones/plans before my contract has ended?

If you want to change your plan but stay with the same provider, many will allow you to switch between a limited set of plans freely. But if you want to change your provider or phone entirely before the contract is up, you'll usually have to pay out the remaining value of the handset and maybe extra cancellation fees.This is why choosing the right contract length is important: a 36-month plan will give you lower monthly costs on your handset, but you should ask whether you'll want the latest model in the next couple of years or whether your phone will even last that long. 12- and 24-month plans have higher monthly repayments, but offer greater flexibility if you decide you want a change.

How do plans without excess data charges work?

Both Telstra and Vodafone offer a wide range of plans that claim no excess charges, unlike other plans which will automatically charge you for extra data blocks when you go over your limit. These excess-free plans function by allowing you access to more data for free, but at a severely reduced speed of 1.5Mbps, which will restrict your ability to do more data-intensive activity like streaming and downloads.

Image: Shutterstock

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6 Responses

  1. Default Gravatar
    RoyAugust 7, 2019

    Optus have offered, on a 24 month plan, a new iPhone 7 with unlimited text and national calls together with 10GB of data discounted to $45.20 per month. Is this a good deal?

    • Default Gravatar
      NikkiAugust 8, 2019

      Hi Roy,

      Thanks for getting in touch! It’s helpful to know that when choosing a mobile plan, it should be one that fits your monthly budget and lifestyle. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  2. Default Gravatar
    SamyMarch 14, 2018

    Hi,
    I would like to know which MVNO using full strength 4G network for voice and data. I heard that Boost is using Telstra’s full network and Virgin is using Optus. Is there any other MVNO using full strength network for both voice and data ??
    Cheers!
    Samy

    • Avatarfinder Customer Care
      JoshuaMarch 22, 2018Staff

      Hi Samy,

      Thanks for getting in touch with finder.

      I may not be able to give you a specific answer, Sam. The network strength depends on different factors such as time and place.

      However, in terms of network coverage, the service an MVNO offers shouldn’t differ in any way at all from the service that you’d get from the underlying network provider at the same location. That makes sense because it’s the exact same network infrastructure. If there’s an outage or a reception problem with an MVNO, it’s a question of the underlying carrier’s network, not the MVNO.

      We also have a list of MVNOs on this page along with the networks they use. Please check and see if it answers your question.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  3. Default Gravatar
    ZitaMarch 6, 2018

    I need a new mobile phone (keeping my existing mobile number) + prepaid monthly plan to receive incoming calls from work and reply back fast and easy … as my job based on how fast I receive the messages from work and can take the shift … so coverage is important … between Caboolture, the Sunshine Coast and Bribie Island . Best/lowest price deals with fast and safe/reliable network even in rain/storm? Any suggestions? Thanks*

    • Avatarfinder Customer Care
      MayMarch 7, 2018Staff

      Hi Zita,

      Thanks for your inquiry.

      In terms of speed when it comes to calls and messaging, all Australian telcos are largely using 3G networks. So we couldn’t single out who’s fast and who’s not. If you like to compare your prepaid monthly + phone plan, you can check your options here. From that page, you can click on “Build your own” option. You can also narrow down your options by navigating the panel of the page and customise your preferences. Please see image below:

      Mobile plan+phone

      Hope this helps.

      Cheers,
      May

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