Our team of mobile plan experts have compared 313 SIM-only mobile plans from 47 mobile providers in Australia. We've curated 10 top picks based on price, network and expert analysis. Not every SIM-only plan will suit your needs so make sure you compare your options before choosing the right one for you.
Why you can trust our research
313 SIM-only plans analysed
758 Australians surveyed
180+ hours of research
Mobile network: Optus 4G network
Total cost over first 12 months: $240
We looked at mobile plans on Finder that cost under $20 per month. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Vodafone 4G/5G network
Total cost over first 12 months: $255
We compared mobile plans on Finder that cost under $30 per month. We gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Wholesale Telstra 4G/5G network
Total cost over first 12 months: $360
We compared mobile plans on Finder that cost under $40 per month. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Optus 4G network
Total cost over first 12 months: $109
We compared mobile plans on Finder that cost under $150 with an expiry period of 12-months or 365-days. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Vodafone 4G/5G network
Total cost over first 12 months: $420
To select the best unlimited data SIM-only plan, we looked at mobile plans on Finder with no data limit. There is currently only 1 plan with no imposed limit on data so it defaulted to being the winner for this category.
Mobile network: Wholesale Telstra 4G/5G network
Total cost over first 12 months: $420
We looked at mobile plans on Finder with over 40GB of monthly data. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Wholesale Telstra 4G/5G network
Total cost over first 12 months: $348
We looked at mobile plans on Finder with 5G for under $35 per month. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Wholesale Telstra 4G/5G network
Total cost over first 12 months: $360
We looked at mobile plans on Finder for under $35 per month that run on the Telstra network. We gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, international call inclusions, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Telstra 4G/5G network
Total cost over first 12 months: $397
We looked at mobile plans on Finder for under $35 per month that offer international call inclusions. We then gave each plan a value score by weighting different factors including cost per data over 12 months (including promotional offers), network coverage, data rollover and Wi-Fi calling. Our top pick was chosen based on the plan with the highest value score from a Finder partner.
Mobile network: Optus 4G/5G network
Total cost over first 12 months: $340
We selected the best value plan for under $35 per month from the mobile provider that won the 2023 Finder Award for Best Rated Mobile Provider.
As part of the 2024 Finder Awards, we selected the Best Prepaid and Postpaid Mobile Providers, based on value and data. The winners and finalists were chosen based on their cost per day, daily cost per gigabyte, network coverage and any applicable download speed caps.
There's no one-size-fits-all approach to finding a SIM only plan. Your budget and data needs can vary depending on how you use your phone. Here are a few things to consider apart from price alone:
What network are you after?
There's no doubt Telstra's network reigns supreme in coverage. It reaches the most number of Aussies, especially if you're living outside the metro areas. That being said, if you're staying in the city, you could be better off with the lower price tags of plans on the Optus or Vodafone network.
How much data do you need?
Australians download around 10.2GB of data on average every month according to the ACCC. We recommend finding out how much data you use and matching a plan that fits the bill accordingly. You don't want to be paying more for data that's going to waste and to rack up any excess charges because you signed up to a much lower limit.
What plan length works best for you?
While most people are familiar with month-to-month mobile plans, long-expiry plans also exist that could help you save money by paying for your plan usage upfront. These plans last for 90–365 days but just remember you'll need to be happy to stick it out with that one provider for 3–12 months.
Do you want a no-frills plan or one packed with features?
The cheapest plans are usually those with just calls, texts and data. But if that's all you need anyway, you might as well grab these simple plans for a lower cost. If you're looking for more value, consider extra features such as international calls, data rollover or Wi-Fi calling.
"I'd been on a contract phone, well, forever. I used to regularly pay over $80 a month for my phone bill. I took the leap to get a Sim Only and buy a phone outright as i found it easier to manage my bills month to month. I also got a great deal, paying just $15 a month with a Circles offer. I've switched 3 times since then while keeping my phone number, it's allowed me to take advantage of great sign up offers."
"It's easy to stick it out with the same provider year after year but that's where loyalty can cost you big bucks. This is especially true if you've been with a big-name brand for a long time. You could be missing out on great value deals elsewhere if you don't compare plans regularly."
Consider signing up to a mobile plan with a longer expiry period. 365-day or 12-month mobile plans are a great way to cut down your bill. You can usually get deals equivalent to 10GB for $10 a month.
Michelle Kwong
Utilities publisher
Each month, we select the best SIM-only plans across 12 categories.
For certain categories, we use a value scoring system to choose the best SIM-only plan by scoring the following factors:
We then assign a weight to each of the factors in order to calculate a value score. Price and data are given the highest weighting.
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