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Printable bills tracker + complaint letters
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A printable kit from our UK sister site: a household bills and contract-end tracker, fill-in complaint letters and an annual review checklist. The tracker and letters work anywhere, but the escalation steps in it are written for the UK. In Ireland, escalate to the CRU (energy), ComReg (phone and broadband) or the FSPO (financial services).
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SIM-only plans, where you keep your phone and just pay for the service, are usually the cheapest way to run a mobile in Ireland. Prices and promotions change every few weeks, so instead of a price table that goes stale, here's a method that finds the cheapest plan for you, plus your switching rights from ComReg.
General information, not financial advice. We're not regulated by the Central Bank of Ireland and don't recommend specific financial products. Rates, prices and rules change, so check the provider and the official sources linked on each page.
1. Work out what you actually use
Check your phone's data usage over the last few months (Settings > Mobile data on iPhone, or Settings > Network & internet on Android). Many people on "unlimited" plans use far less than they pay for. If you're mostly on home Wi-Fi, a smaller allowance could save money.
2. Compare like with like
- Monthly price after any introductory discount ends. A cheap first six months can cost more over a year.
- Contract length: 30-day rolling plans give flexibility; 12-month contracts can be cheaper but may carry early termination charges.
- Prepay vs bill pay: prepay top-up bundles can beat bill pay for light users.
- Network coverage where you live and work. Smaller brands often run on the big networks, so ask which one.
- Roaming: check the EU fair use allowance and UK roaming (below).
3. Roaming: EU and the UK
Under EU "roam like at home" rules, calls, texts and data in other EU countries are charged at your Irish domestic rates, though operators can apply a fair use data limit on cheap or unlimited plans and must tell you what it is (Your Europe: roaming). The UK, including Northern Ireland, is outside the EU, so EU roaming rules don't cover it. Many Irish plans include UK roaming anyway, but check if you cross the border often.
4. Switch without a gap
ComReg says you can keep your number for free; tell your new provider, because it isn't automatic. You can agree a switch date with the new provider, and if problems arise you shouldn't be without service for more than one working day. Providers must compensate you for switching problems such as loss of service or delays. Your old contract ends when the new service begins, so there's no double billing, but check your old contract for early termination charges (ComReg: switch mobile provider).
Optional: free printable bills tracker + complaint letters
A printable kit from our UK sister site: a household bills and contract-end tracker, fill-in complaint letters and an annual review checklist. The tracker and letters work anywhere, but the escalation steps in it are written for the UK. In Ireland, escalate to the CRU (energy), ComReg (phone and broadband) or the FSPO (financial services).
Unlock the bills tracker + letter templates (requires trying a sponsored offer)
Optional and sponsored: the bonus unlocks after you complete one offer from our partner, such as trying an app or a survey, and we earn a commission when you do. This guide is complete without it.
Free: the 15-minute subscription check-up
A printable checklist for finding the subscriptions and recurring charges you've forgotten about, and for cancelling or downgrading them. Join our email list and the checklist opens right away.
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Frequently asked questions
Can I keep my number if I switch mobile network in Ireland?
Yes, free of charge. Ask your new provider to port it, because it isn't done automatically.
Is roaming free in the UK on an Irish plan?
EU roaming rules don't cover the UK, including Northern Ireland. Many Irish operators include UK roaming, but check your plan's terms.
Do I need unlimited data?
Check your actual usage first. If you mostly use Wi-Fi, a smaller data allowance could cost less.
Sources
Official sources this article relies on, checked October 17, 2026. Rules and prices change, so confirm details at the source.
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