Cancelling a O2 contract is straightforward once you know which route applies to you — text-to-switch if you want to keep your number, or a standard cancellation if you don't. The one thing to check first: early termination fees if you're still within your minimum term.
First: are you still in contract?
Your minimum term is usually 12, 18 or 24 months. Check in the My O2 app or call 202 to find out your contract end date.
- Out of contract (rolling monthly): cancel free with 30 days notice — or instantly if you port your number out.
- Still in minimum term: you can still leave, but O2 will charge the remaining months (usually minus a small discount for early payment).
Option 1: Keep your number — text PAC to 65075
The easiest exit. Text PAC to 65075 from your O2 SIM. You'll get your PAC code plus a text spelling out any early termination charge — requesting the code doesn't commit you to anything. Only when you give it to a new network does the switch (and any fee) trigger.
Your O2 contract then ends automatically on transfer day — no call centre, no retention scripts. Full details: how to get a O2 PAC code.
Option 2: Cancel and get a new number — text STAC to 75075
Don't want the number? Text STAC to 75075 instead. A STAC code cancels your O2 contract within one working day when you give it to your new network — same instant, fee-transparent process as a PAC.
Option 3: Standard cancellation (30 days notice)
If you're not switching networks, call O2 on 202 free from your O2 mobile, or 0344 809 0202 from another phone, and give 30 days notice. You'll keep service until the notice period ends. In the My O2 app, look for the "leave" or "end my plan" option.
Early termination fees: what to expect
Mid-contract exit fees are typically the remaining monthly payments, often reduced by a few percent since O2 gets the money early. The exact figure arrives automatically in the PAC/STAC reply text — always request the code first so you see the real number before deciding.
Cancelling a O2 device plan?
If you have a phone on finance with O2, the device plan and airtime are usually separate — cancelling airtime doesn't wipe the remaining device balance. Check both before you leave.
The cheaper way out next time
Contract exit fees exist because contracts lock you in. Rolling SIM-only plans don't have them — Giffgaff (O2 network) and Lebara (Vodafone network) both run 30-day plans from around £5-£6/month with no contract and no credit check. Order a free SIM, and if it doesn't work out, you simply stop.
Got your PAC? Switch free
Order a free Giffgaff or Lebara SIM — rolling plans from £5-£6/month, no contract, no credit check.