Apple · contract deals
iPhone 12 deals
We compared 71 iPhone 12 contracts across 5 networks and ranked them by what you really pay over 24 months — upfront, every monthly payment and each April rise.
bemobiles tips
Is the lowest monthly price the best deal?
Not here. The lowest monthly price (£10 on Three) comes with £175 upfront. The cheapest deal overall is on Talkmobile.
What will April price rises add?
Talkmobile has no annual price rise on this deal, so the total is what you pay. Other networks add up to £60.
Should I buy it outright instead?
Not today. SIM-free plus a cheap SIM costs £91.20 more over two years than the cheapest contract.
- £25 upfront
- then £11.95 a month
- 15GB data · 24 months
- No annual price rise
24-month total £311.80
Get this dealTalkmobile review →The iPhone 12 deal with the lowest total cost over 24 months, April rises included — live.
The cheapest iPhone 12 contract today is on Talkmobile at £311.80 over 24 months (£25 upfront, £11.95 a month), with no annual price rise. The best deal on O2 costs £189.20 more over the same period. Buying SIM-free and adding a 30-day SIM costs £403.
Prices checked 28 October 2026 · rises estimated for a contract starting this month · How we compare
iPhone 12 on every network
The cheapest 24-month deal on each network, sorted by the true total — the headline total plus the April rises the network has announced.
| Network | Monthly | Upfront | 24-month total | April rises (est.) | True total | |
|---|---|---|---|---|---|---|
| £11.95 | £25 | £311.80 | None | £311.80 | View |
 | £12.99 | £19 | £373.96 | +£43.20 | £373.96 | View |
 | £13 | £79 | £451 | +£60 | £451 | View |
 | £10 | £175 | £470.20 | +£55.20 | £470.20 | View |
 | £18 | £9 | £501 | +£60 | £501 | View |
Rises use each network’s announced amount in pounds (Tesco Mobile about 6%). Sky Mobile’s rise isn’t fixed in the contract, so it isn’t included.
Contract or buy outright?
The contract is cheaper by £91.20
Cheapest contract
£311.80
- Talkmobile, 24 months
- £25 + 24 × £11.95
- April rises: none
SIM-free + SIM only
£403
- Phone from £259 (64GB)
- SMARTY 18GB at £6 × 24
- No price rise, leave any month
Outright prices from retailers via our data partner. You keep the phone either way.
Our take on the iPhone 12
The cheapest way to get the iPhone 12 on contract today is on Talkmobile: £25 upfront and £11.95 a month with 15GB of data, £311.80 over 24 months. At the other end of our table, O2’s best deal works out £189.20 dearer once rises are counted — the same phone, so the network choice alone is worth that much.
This deal has no annual price rise, so £311.80 is what you pay over the two years — rare on a phone contract and worth weighing against slightly lower headline prices elsewhere.
Buying the iPhone 12 SIM-free costs from £259. Pair it with a SMARTY 30-day SIM at £6 a month and two years cost £403, £91.20 more than the cheapest contract. Here retailers discount the handset to win the airtime, so the contract wins on price.
The iPhone 12 has a 6.1-inch screen, a 1 mAh battery, a weight of 164 g. It is on sale with 64GB of storage in 6 colours. It was released in October 2020.
Pick it if…
- You want it for £11.95 a month on Talkmobile
- You want to pay little upfront — from £0 on Talkmobile
Skip it if…
- Your current phone still works — SIM only from £6 a month is far cheaper
- You want the latest model — the iPhone 12 launched in 2020
iPhone 12 key specs
| Screen | 6.1 inches |
|---|---|
| Battery | 1 mAh |
| Storage | 64GB |
| Weight | 164 g |
| Size | 72 × 147 × 7 mm |
| Colours | Black, Purple, White, Blue, Green, Red |
| Released | October 2020 |
Specifications from our data partner’s catalogue.
All iPhone 12 deals, live
FAQ
iPhone 12 questions
How much is the iPhone 12 on contract?
The lowest total cost we found today is £311.80 over 24 months on Talkmobile: £25 upfront and £11.95 a month, with no annual price rise.
What is the cheapest monthly price for the iPhone 12?
£10 a month on Three, with £175 to pay upfront. A low monthly price usually means a bigger upfront payment, so compare the 24-month total.
Is it cheaper to buy the iPhone 12 outright?
Buying it SIM-free from £259 and adding a SMARTY SIM at £6 a month costs £403 over two years — £91.20 more than the cheapest contract including price rises.
What storage and colours does the iPhone 12 come in?
Storage: 64GB. Colours on sale now: Black, Purple, White, Blue, Green, Red.