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Current Phone > Samsung Note 20 Ultra 5G - SM9860 Snapdragon.
Samsung One Ui 3.1 / Android 11.
Samsung are already discounting the phone by 15% on their website this weekend. Have you considered the 0% purchase plan and a sim only deal?
Until networks stop adding the CPI+ increase to the handset part of the plan people should avoid buying phones from networks, in my opinion.
Also, best avoiding taking out a new contract at the start of the year and avoid the April price rise.