Last updated: October 2026: Plan prices and details verified against carrier websites.
The cheapest yearly prepaid mobile plans in Canada start at just $100 for a full year of service, offered by Freedom Mobile, Chatr, Koodo, SaskTel, SpeakOut, and Lum Mobile. Paying upfront for an annual prepaid plan instead of renewing every 30 days can save you $363 or more per year compared to the average Canadian monthly plan cost of $43.51. This page compares every yearly prepaid plan available in Canada in 2026, broken down by price, data included, network, and how much you actually save vs. paying monthly. Even though you pay once a year, it works out to as little as $8.33 per month on the cheapest plan — well below the average Canadian monthly plan cost.
*Yearly cost, monthly cost, annual cost, and data averages are based on plan data collected by Topicks.ca and do not represent official or complete market statistics.
Plan Overview
Every Yearly Prepaid Plan in Canada (2026)
Five carriers currently offer annual prepaid phone plans with a 360- or 365-day validity period. Here is a full comparison of every yearly prepaid plan in Canada before we break each one down by network and value.
| CARRIER | PLAN | PRICE / YR | DATA | TALK | TEXT | NETWORK | DETAILS |
|---|---|---|---|---|---|---|---|
| SaskTel | noSTRINGS Talk + Text 100 Yearly | $100 ≈ $8.33/mo |
— | 400 anytime minutes | 400 texts (Canada & U.S. to anywhere) | SaskTel | View plan |
| Koodo Mobile | $100 4G 365 Day Plan | $100 ≈ $8.33/mo |
— | 400 Canada-wide minutes | 400 Canada-wide texts | Telus | View plan |
| Chatr | Yearly Talk & Text | $100 ≈ $8.33/mo |
— | 400 Canada-wide minutes | 400 Canada-wide texts | Rogers | View plan |
| SpeakOut (7-Eleven) | Annual Prepaid Plan | $125 ≈ $10.42/mo |
— | Unlimited Canada-wide | Unlimited international text & picture messaging | Telus | View plan |
| Freedom Mobile | Talk & Text Annual (20 GB) | $129 ≈ $10.75/mo |
20 GB (5G+) | Unlimited Canada-wide | Unlimited | Freedom | View plan |
| Freedom Mobile | 40 GB Annual | $159 ≈ $13.25/mo |
40 GB (5G+) | Unlimited Canada-wide | Unlimited | Freedom | View plan |
| Koodo Mobile | $159 4G 365 Day Plan | $159 ≈ $13.25/mo |
40 GB (4G LTE) | Unlimited Canada-wide | Unlimited international text messaging | Telus | View plan |
| Chatr | Yearly Talk, Text & Data (40 GB) | $159 ≈ $13.25/mo |
40 GB (4G (150 Mbps)) | Unlimited Canada-wide | Unlimited Canada, U.S. & international | Rogers | View plan |
| Lum Mobile | 1 Year / 150 GB | $300 ≈ $25.00/mo |
150 GB (5G) rollover | Unlimited Canada-wide | Unlimited | SaskTel | View plan |
| Lum Mobile | 1 Year / 360 GB | $360 ≈ $30.00/mo |
360 GB (5G) rollover | Unlimited Canada-wide | Unlimited | SaskTel | View plan |
| Lum Mobile | 1 Year / 500 GB | $420 ≈ $35.00/mo |
500 GB (5G) rollover | Unlimited Canada-wide | Unlimited | SaskTel | View plan |
* Freedom Mobile plans include Standard Voicemail and Global picture/video messaging. Koodo includes Voicemail 3, Call Display, Call Waiting, and Conference Calling. Chatr Voicemail saves up to 10 messages for up to five days. SpeakOut includes Voicemail, Call Display, Call Waiting, and Conference Calling. Lum Mobile includes Call Display, Call Waiting, and Call Forwarding. SaskTel includes Call Display, Mini Mail, HD Voice, Call Waiting, and Three-way Calling.
Coverage
Which Network Does Each Carrier Use?
Your coverage on a yearly prepaid plan depends on the underlying network, not just the carrier brand. Here is who runs on what in Canada.
Freedom
Freedom Mobile
Own 5G/LTE network in major urban centres in BC, AB, ON, and QC. Coverage thins significantly outside cities.
Check coverageTelus
Koodo, SpeakOut
One of Canada's three largest national networks. Strong 5G and LTE coverage coast to coast, including many rural areas. SpeakOut migrated to the Telus network after its Rogers arrangement ended in 2025.
Check coverageRogers
Chatr
One of Canada's three largest national networks. 5G in major cities; broad LTE coverage nationally.
Check coverageSaskTel
SaskTel, Lum Mobile
Saskatchewan-focused. Excellent province-wide coverage including rural SK. Outside Saskatchewan, service uses national partner roaming. Lum Mobile requires a Saskatchewan billing address.
Check coverageTalk & Text Plans
Cheapest Yearly Prepaid Plans With No Data (2026)
4 carriers offer cheap yearly prepaid plans with no data, starting at $100 per year. Ideal for backup lines, basic phones, seniors, or anyone who wants the lowest annual cost to keep a number active.
SaskTel
$100 / year
noSTRINGS Talk + Text 100 Yearly
Talk: 400 anytime minutes
Text: 400 texts (Canada & U.S. to anywhere)
Network: SaskTel
Extras: Call Display, Mini Mail, HD Voice, Call Waiting, Three-way Calling
Not available online. In-store/phone activation up to $60; waived at sasktel.com.
View plan detailsKoodo Mobile
$100 / year
$100 4G 365 Day Plan
Talk: 400 Canada-wide minutes
Text: 400 Canada-wide texts
Network: Telus
Extras: Voicemail 3, Call Display, Call Waiting, Call Forwarding, eSIM supported
Connection fee waived online. BYOD activations have a one-time SIM charge.
View plan detailsChatr
$100 / year
Yearly Talk & Text
Talk: 400 Canada-wide minutes
Text: 400 Canada-wide texts
Network: Rogers
Extras: Voicemail (up to 10 messages, 5-day storage)
No activation fees.
View plan detailsSpeakOut (7-Eleven)
$125 / 360 days
Annual Prepaid Plan
Talk: Unlimited Canada-wide
Text: Unlimited international text & picture messaging
Network: Telus
Extras: Voicemail, Call Display, Call Waiting, Conference Calling
Migrated to Telus 4G LTE network in 2025. Not available in QC, YK, NWT, or Nunavut.
View plan detailsTalk-Only Plans: Side-by-Side
| CARRIER | PRICE | MINUTES | TEXTS | NETWORK | ACTIVATION | DETAILS |
|---|---|---|---|---|---|---|
| SaskTel |
$100 ≈ $8.33/mo |
400 anytime minutes | 400 texts (Canada & U.S. to anywhere) | SaskTel | Not available online. In-store/phone activation fee up to $60 may apply; waived for online self-serve at sasktel.com. | View plan |
| Koodo Mobile |
$100 ≈ $8.33/mo |
400 Canada-wide minutes | 400 Canada-wide texts | Telus | Connection fee waived online. BYOD activations have a one-time SIM charge. | View plan |
| Chatr |
$100 ≈ $8.33/mo |
400 Canada-wide minutes | 400 Canada-wide texts | Rogers | No activation fees. | View plan |
| SpeakOut (7-Eleven) |
$125 ≈ $10.42/mo |
Unlimited Canada-wide | Unlimited international text & picture messaging | Telus | Activation fee not specified. | View plan |
Takeaway: At $100, SaskTel, Koodo, and Chatr are tied for the cheapest yearly talk-and-text plan in Canada, all on national networks. Chatr wins on activation (none at all).
Data Plans
Best Yearly Prepaid Plans With Data in Canada (2026)
4 annual prepaid data plans are available in Canada, ranging from 20 GB to 40 GB for $129 to $159 per year.
Freedom Mobile
$129 / year
Talk & Text Annual (20 GB)
Data: 20 GB (5G+)
Talk: Unlimited Canada-wide
Text: Unlimited
Network: Freedom
Cost/GB: $6.45
$10 one-time connection fee for new lines.
View plan detailsFreedom Mobile
Best value / GB$159 / year
40 GB Annual
Data: 40 GB (5G+)
Talk: Unlimited Canada-wide
Text: Unlimited
Network: Freedom
Cost/GB: $3.98
$10 one-time connection fee for new lines.
View plan detailsKoodo Mobile
$159 / year
$159 4G 365 Day Plan
Data: 40 GB (4G LTE)
Talk: Unlimited Canada-wide
Text: Unlimited international text messaging
Network: Telus
Cost/GB: $3.98
Connection fee waived online. eSIM activation available.
View plan detailsChatr
Best national coverage$159 / year
Yearly Talk, Text & Data (40 GB)
Data: 40 GB (4G (150 Mbps))
Talk: Unlimited Canada-wide
Text: Unlimited Canada, U.S. & international
Network: Rogers
Cost/GB: $3.98
No activation fees.
View plan details| CARRIER | PRICE / YR | DATA | SPEED | $ / GB | NETWORK | DETAILS |
|---|---|---|---|---|---|---|
| Freedom Mobile | $129 ≈ $10.75/mo |
20 GB | 5G+ | $6.45 | Freedom | View plan |
| Freedom Mobile | $159 ≈ $13.25/mo |
40 GB | 5G+ | $3.98 | Freedom | View plan |
| Koodo Mobile | $159 ≈ $13.25/mo |
40 GB | 4G LTE | $3.98 | Telus | View plan |
| Chatr | $159 ≈ $13.25/mo |
40 GB | 4G (150 Mbps) | $3.98 | Rogers | View plan |
Takeaway: Freedom Mobile, Chatr, and Koodo are now all tied at $159/year for 40 GB and $3.98/GB. Chatr and Koodo run on national networks (Rogers and Telus) for broader travel coverage. Freedom offers 5G+ speeds within its urban footprint. Same price and data, choose based on where you live and travel.
Saskatchewan
Lum Mobile Annual Plans: Saskatchewan's Cheapest Data Option
Lum Mobile is a data-first carrier owned by SaskTel. Unlike traditional prepaid plans, Lum sells annual memberships with large data buckets and rollover on unused data.
Important: Lum Mobile is only available to residents of Saskatchewan. You must have a Saskatchewan billing and shipping address to sign up. Service is best within Saskatchewan; outside the province, Lum relies on national roaming partners.
Lum Mobile
$300 / year
1 Year / 150 GB
Data: 150 GB (5G, rollover)
Talk & Text: Unlimited Canada-wide
Cost/GB: $2.00
Extras: Call Display, Call Waiting, Call Forwarding, Free Calm Premium subscription
First eSIM or SIM free. No activation fee. Saskatchewan billing address required.
View plan detailsLum Mobile
$360 / year
1 Year / 360 GB
Data: 360 GB (5G, rollover)
Talk & Text: Unlimited Canada-wide
Cost/GB: $1.00
Extras: Call Display, Call Waiting, Call Forwarding, Free Calm Premium subscription
First eSIM or SIM free. No activation fee. Saskatchewan billing address required.
View plan detailsLum Mobile
Best $ / GB$420 / year
1 Year / 500 GB
Data: 500 GB (5G, rollover)
Talk & Text: Unlimited Canada-wide
Cost/GB: $0.84
Extras: Call Display, Call Waiting, Call Forwarding, Free Calm Premium subscription
First eSIM or SIM free. No activation fee. Saskatchewan billing address required.
View plan detailsFor Saskatchewan residents who use a lot of data, Lum Mobile's cost per GB is extraordinary, down to $0.84/GB on the 500 GB plan. The rollover feature means unused data carries forward, reducing waste compared to traditional prepaid plans where unused allowances expire.
Annual Savings
How Much Do You Save With a Yearly Prepaid Plan vs. Paying Monthly?
The average Canadian mobile plan costs $43.51 per month, or $522 over 12 months. Average data across plans (excluding unlimited and no-data) is 66 GB. Here is how every yearly prepaid data plan compares.
Every yearly plan on this page costs less annually than the Canadian average monthly plan. The gap is largest on talk-only plans, where you can spend as little as $100compared to $522 for an average 12-month bill. The trade-off is less data. If 40 GB or less covers your usage, any of the data plans above represent strong value.
Calculator
Calculate Your Annual Prepaid Savings
Compare plans and see your savings
Enter what you pay now. We'll estimate your 12-month savings instantly.
~$50/mo = Canadian avg. (CRTC) — update with your actual bill.
Estimate only. Based on regular plan price. Excludes intro/promo rates, activation, SIM, shipping, porting fees, and taxes. Actual savings may vary.
Who Should Get Which Plan
Which Yearly Prepaid Plan Is Right for You?
BACKUP OR EMERGENCY PHONE
SaskTel, Koodo, or Chatr — $100
Any $100 talk-only plan keeps a number active for a year at minimal cost. Chatr or Koodo are the easiest options if you need national coverage with no activation fee online.
SENIOR OR LIGHT USER
Koodo or Chatr $100
400 minutes and 400 texts is enough for most light users. Both offer $100 yearly plans with no activation fee online on national networks.
URBAN DATA USER
Freedom Mobile 40 GB — $159 / yr
5G+ speeds at $3.98/GB — lowest cost per GB outside of Lum. Best if you know Freedom covers your area.
TRAVELLER OR RURAL RESIDENT
Chatr 40 GB — $159 / yr
Rogers national network at the same price and data as Freedom. The clear choice if you regularly leave major cities.
SASKATCHEWAN HEAVY DATA USER
Lum Mobile 500 GB — $420 / yr
$0.84/GB with data rollover on 5G. Cheapest data per GB of any yearly plan in Canada. Saskatchewan billing address required.
BUDGET BYOD USER
Koodo $159 — 40 GB / 365 days
Telus national network, unlimited calling, international texting, eSIM support, no activation fee online.
Quick Reference
Summary: Best Yearly Prepaid Plans in Canada (2026)
| LOOKING FOR | BEST PICK | PRICE | WHY | DETAILS |
|---|---|---|---|---|
| Cheapest plan overall | SaskTel, Koodo & Chatr (tie) | $100 / yr | Lowest price; national coverage, talk & text only | View plan |
| Cheapest national talk & text | Chatr Yearly Talk & Text | $100 / yr | Rogers network, no activation fee | View plan |
| Best yearly data value | Freedom, Chatr, or Koodo 40 GB | $159 / yr | $3.98/GB — choose by coverage needs | View plan |
| Best national data plan | Chatr 40 GB Yearly | $159 / yr | Rogers network, no activation fee, unlimited intl. text | View plan |
| Best for SK residents | Lum Mobile 500 GB | $420 / yr | $0.84/GB, 5G, rollover (SK only) | View plan |
| Biggest annual saving | Any yearly plan vs. monthly avg. | $363–$422 saved | vs. $43.51/mo average over 12 months | — |
FAQ
Frequently Asked Questions: Yearly Prepaid Plans in Canada
What is the cheapest yearly prepaid plan in Canada?
The cheapest yearly prepaid plans in Canada are tied at $100 per year: SaskTel, Koodo, and Chatr all offer talk-and-text-only yearly plans at this price on national networks. Koodo and Chatr waive their activation fee for online sign-ups; SaskTel waives its fee only for self-serve activation at sasktel.com.
What is the cheapest yearly prepaid plan on each network?
The cheapest yearly prepaid plan per network: Freedom network: Freedom Mobile Talk & Text Annual (20 GB) at $129/yr (20 GB); Telus network: Koodo Mobile $100 4G 365 Day Plan at $100/yr (no data); Rogers network: Chatr Yearly Talk & Text at $100/yr (no data); SaskTel network: SaskTel noSTRINGS Talk + Text 100 Yearly at $100/yr (no data).
Which carriers offer annual prepaid plans in Canada?
Five carriers offer annual or 360-day prepaid plans in Canada: Freedom Mobile (Freedom network), Koodo Mobile (Telus network), Chatr (Rogers network), SpeakOut Wireless / 7-Eleven (Telus network), and Lum Mobile (SaskTel network, Saskatchewan residents only). SaskTel also offers a yearly plan, available at sasktel.com.
How much can you save with a yearly prepaid plan vs. monthly?
The average Canadian pays $43.51/month, totalling $522/year. The cheapest yearly prepaid data plan starts at $129/year, saving $393/year. Talk-only plans at $100 save up to $422/year.
What is the best yearly prepaid plan with data in Canada?
The best yearly prepaid plans with data are tied three ways: Chatr's 40 GB Yearly Plan ($159), Freedom Mobile's 40 GB Annual Plan ($159), and Koodo's 40 GB 365-Day Plan ($159), all at $3.98 per GB. Chatr and Koodo run on national networks (Rogers and Telus) for better rural and travel coverage. Freedom Mobile offers 5G+ speeds in major cities.
Is a yearly prepaid plan worth it in Canada?
Yes, for most light-to-moderate users. The best-value yearly data plans cost $159/year versus $522 on the average monthly plan. The trade-off is less data (20 to 40 GB per year) and paying the full year upfront. If you use 40 GB or less per year and want a no-contract plan, a yearly prepaid plan is one of the cheapest ways to stay connected in Canada.
Does Koodo offer a yearly prepaid plan?
Yes. Koodo Mobile offers 2 yearly (365-day) prepaid plans on the Telus national network. The $100 plan includes 400 Canada-wide minutes, 400 Canada-wide texts with no data. The $159 plan includes Unlimited Canada-wide, Unlimited international text messaging, and 40 GB of 4G LTE data. Both include Voicemail, Call Display, Call Waiting, and Call Forwarding. eSIM activation is supported and the connection fee is waived online.
Disclaimer: The information on this page is provided for general reference purposes only. While we make every effort to keep pricing, plan details, and promotional offers current, we do not guarantee the accuracy, completeness, or timeliness of any information listed here. Rates, terms, promotions, and availability are subject to change at any time without notice. Always verify plan details, pricing, and eligibility directly with the carrier before making any purchase or switching decision. Topicks.ca is not responsible for any loss, cost, or inconvenience arising from reliance on the information provided on this page.
