I'm on PAYG.. As long as you top up £10 per month you get 300 free texts per month. Every 3 months you get back 10% of whatever you have topped up in the previous 3 months (gets added to your credit). Theres also other bits and pieces like free 1mb WAP transfer (handy for downloading games) - but you can choose. Theres so many options I lose track. If you dont chat that much, as you say, and mainly text.. why not just buy a decent phone off ebay and put in a free o2 sim? Got my mate to do that in the end, now he tops up about £15 a month for calls, uses the free texts, whereas his contract used to be £30 a month and he was tied into it for a year at a time. Can't really see the benefit of having a contract unless you use your mobile loads, apart from having the free flashy phone. Cheaper IMO though to splash out £100 on a decent phone and go on PAYG. By the way I have a nokia 6030, which was £30, also from o2. Coverage is good, customer service is appauling, but if you go on PAYG I doubt you'll ever need to phone them unless you get your phone stolen or something.