Guide

What happens when your phone contract ends in Canada?

The end of a contract is the best time to save money, and the easiest time to lose it by doing nothing.

Common things that happen

  • It continues month to month. Many plans carry on at the regular price when the term ends, and some renew into a new term unless you act. Your contract will say which.
  • The price may change. A promotional price, or a bill credit tied to the term, may end at or before the contract end date.
  • Device payments are separate. If you financed a phone, the device balance has its own schedule and is not always the same as the service term.
  • Notice may be required. Some agreements ask for written notice to cancel before the end date; read the cancellation and renewal clauses.

What the rules say

For wireless service, the CRTC's Wireless Code sets consumer protections. According to the CRTC, you can cancel after two years without cancellation fees even if you agreed to a longer term, an early cancellation fee can't exceed the device subsidy and must fall to zero over the term, and you can return a phone within 15 days if you're unhappy. Check the Code itself for the latest wording and for how it applies to your agreement.

Before the end date

  1. Put the end date in your calendar, with a reminder 60 days before.
  2. Check your remaining device balance, if any.
  3. Compare your current price with other providers' current offers.
  4. Contact your provider and ask for their best offer to stay. Ask for it in writing.
  5. If you decide to leave, check notice requirements and make sure the final bill is correct.
Check yours automatically. OryzaPay reads your contract, finds the end date and whether it renews automatically, and reminds you ahead of time. Create a free OryzaPay account — no credit card, and nothing is added without your approval.

OryzaPay is an independent service and is not affiliated with any phone, internet, utility or insurance company. This guide is general information, not legal or financial advice; your own contract and bill are what count.

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Last updated October 29, 2026.