Best SIM Only plan comparison in Singapore

Which Singapore Telco Plan Is Best For You: Data vs Price (SIM-Only Comparison)

5 min read

You Should Definitely Switch To A SIM ONLY Telco Plan

Updated 26 March 2019. Not kidding! We are stalking the telcos.

It may be convenient to extend our telco plan every time it becomes available for a re-contract, but this simple hack can help save you money and gives you the freedom of choice for the next 2 years.

Most Singaporeans might be on a wrong mobile plan costing them hundreds every year. We found this out when we were debating on our Personal Finance facebook group where everyday Singaporeans just like us, shared one of their biggest fixed expense each month – Mobile phone bills.

With all the new telcos popping up, it is important for Singaporeans to know which network they are on. This will allow Singaporeans to make a better judgement when it comes to the reception strength of their line.

Singapore Telcos and The Network Which They Are On


(Still work in progress)

The Best No-Contract SIM ONLY Plans: 

Amount of dataTelcoPrice
Below 5GBCircles.Life$0
(1GB, 30mins talktime)
More than 5GBMyRepublic$35
(9GB, 1,000mins talktime)
Above 10GBGOMO$20
(20GB, 200mins talktime)
More than 25GBTPG$0
(60GB, 20mins talktime)
(100mins talktime)
  • For below 5GB:
  • Circles.Life – Their 1GB plan wins at $0 per month with 30 mins outgoing local talk time.
    Zero1 – Their plan is the next most value for money at only $9.90 per month, with 1GB, and 200mins outgoing local talk time.
  • For 9GB: 
    MyRepublic – You will receive 9GB (4G speed) and unlimited data (manageable speed) total worth of data for $35 per month
  • For above 10GB, we have a few competitors:
    GOMO – Their plan gives their SIM Only plans a huge edge in this field at 20GB and 200mins talk time for only $20 per month.
    Circles.Life – Their 20GB plan is priced at $18 per month with no talk time.
  • For more than 25GB: 
    TPG – For heavy mobile data users, TPG latest plans give you 60GB at $0 and 20mins outgoing local talk time. 
  • For Unlimited data:
    Circles.Life Full speed unlimited data (4G speed) and unlimited talk time at $59.95 per month
    All of MyRepublic, Zero Mobile and Zero1 plans are on unlimited data. The number of GB indicated represents the amount of data at full speed.

Read Reviews On Telco Mobile Plans

The Best 12 Month Contract SIM ONLY Plans:

For 12 Months contract SIM Only plan, it is a close competition between Singtel and M1.

  • For above 10GB: 
    Singtel – With $20 per month one enjoys 20GB data, 150 mins talk time.
    M1 – With $20 per month, one can enjoy 15GB, 100 mins talk time and weekend unlimited data.
  • For above 25 GB: 
    Singtel – For 40GB and 55GB, the plan with Singtel costs $46.75 per month and $73.50 per month respectively.
    M1 – For 40GB, t
    he plan with M1 is at $50 per month.
  • For unlimited GB:
    – M1 turned the tide for the 12 Months Contract SIM Only Plan with $98 per month for unlimited data and unlimited talk time. 

The Best 24 Month Contract SIM ONLY Plans:

  • For above 10GB: 
    M1 – At $40 per month one enjoys 15GB data, 100 mins talk time.
  • For above 25 GB: 
    M1 – For 35GB, the plan with m1 costs $70 per month.
    Starhub – 
    For 40GB, it will cost you $75 per month.
  • For unlimited GB:
    – M1’s 24 Months Contract SIM Only Plan is at $118 per month for UNLIMITED data. 

You can read more about the actual comparisons below. Subsequently, you can also learn about the strategy we recommend how you can get a brand new phone at a cheaper price.

Further Reading: Detailed Illustration of SIM-Only Plans

Each telco provides a plan known as the SIM-only plan which costs much lower than most of their 2-year mobile plans. Finally, we have here, the hard facts behind how each telcos line-up against each other with their SIM-only plan.

Singtel vs M1 vs Circles vs Starhub vs Zero Mobile vs Zero1 (No Contract)

In the table below, we come out with the best SIM-only mobile plan with 3 assumptions:
(Information updated as of 26 March 2019)

  1. The monthly data package is our main priority, hence, mixed different add-ons for each telco to get the best bundle. By data, we refer to data connection not restricted to certain places (eg. Singtel wifi).
  2. The table below is for SIM Only with no contract mobile plans.
  3. We excluded comparing the SMS bundle as it is not a deciding factor, given the minimum usage of such function.

SIM Only Comparison Telcos Singapore


  • Do take note that MyRepublic and Zero 1 offers unlimited data. The number of GB shown represent the number of data at maximum speed. It will be followed by a manageable speed after which.
  • Starhub and M1 now provide unlimited weekend data for their users.
  • For Starhub, one can get $120 bill rebate, over the course of 24 months, with nocontract promo code!
  • There are two $0 plans at the moment. TPG, which is providing a $0 for 60GB per month plan and Circles.Life with their $0 for 1GB plan.
  • Consumers should look at reviews on the telco companies on top of price to make a smarter decision on their SIM Only plan.

Read Reviews On SIM Only Plans

Singtel vs M1 (With 12 Months SIM Only Contract)

Singtel and M1 came out with a SIM Only 12 months contract mobile plan in an attempt to lock in some customer loyalty.SIM Only 12 months contract comparison Singapore Telcos

  • By comparison, M1 seems to be losing out in terms of the amount of data it can provide its users per month when compared with Singtel.
  • M1 users, however, has weekend unlimited data, while Singtel users don’t.

There is a split decision when it comes to the best deal for the 12-month contract, consumers should select based on their usage and lifestyle.

source: M1

Starhub vs M1 (With 24 Months SIM Only Contract)

For those who do not mind sticking to the same telco for as long as two years, he can take a look at 24 months SIM Only contract.

SIM-Only comparison singapore telcos 24 months

  • For 24 Months contract, both telcos offer smartphones discount or promotion with it.
  • Both telcos offer consumers unlimited data on weekends too



Re-Contracting = An Overpriced 2-year Phone Payment Scam

  1. It is the best and the only deal we know of.
  2. It is the first mobile plan we started with and it is rather convenient to just renew it.
  3. A 2-year mobile plan comes with a rather attractive discount on the latest mobile phones.

The harsh truth is that telecommunication companies (telco) are shaving dollars off your favourite mobile phones to make re-contracting attractive. The remaining cost of your “subsidised” mobile phone plus interest is distributed throughout the rest of your 2-year mobile plan, which you are stuck with.

In the face of new entrants such as Circles.Life and stiffer competition, the power has shifted to the consumer, you. The data plans prices were slashed drastically and you would be really be losing out if you re-contracted a new 2-year plan.

Read Reviews On Telco Mobile Plans

Read also: Get on these 4 apps to save $1,600 on lifestyle expenses!

SIM-Only Plan + Carousell Phone Strategy

With data for a mobile plan being the main priority, we have a simple strategy. Simply get a SIM Only plan with the same amount of data followed by our preferred mobile phone on Carousell.

The cost of a typical Starhub 2-Year Plan with Samsung Galaxy S9:

The cost of a Starhub SIM-ONLY Plan with Samsung Galaxy S9 from Carousell:

Total savings over 2 years: $175.00

The cost of a typical Singtel 2-Year Plan with iPhone X 64GB:

The cost of a Singtel SIM-ONLY Plan with iPhone X 64GB from Carousell:

Total savings over 2 years: $447.60

For a more extreme comparison, we do a comparison across telcos for high data bundle plans. Also, take note that we are not taking the amount of call time into consideration for our comparison.

The cost of a typical M1 2-Year Plan with iPhone 7 Plus 32GB:

M1 2 year plan with iphone 7 PlusThe cost of a Circles.Life SIM-ONLY Plan with iPhone 7 Plus 32GB from Carousell:Circles Life SIM-only plan iphone 7

Total savings over 2 years: $3,441.60

Conclusion – Switch To SIM ONLY

In conclusion, we hope that this simple hack has taught you how to save you a ton of money and you now know it is definitely worth marking down the date on your calendar, the moment your current 2 years end. Our whole team has jumped on and we have been spreading the word around. Remember to choose the most economical fibre broadband plan too!

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