Telecom🇨🇦 Montreal, Canada

Getting a phone plan without credit history, and why Quebec pays less

Canadian mobile is expensive, but Quebec is the cheapest province for it because Vidéotron operates as a genuine fourth network and the national carriers price against it. Without Canadian credit history a postpaid plan usually requires a deposit, so most newcomers start prepaid or on a flanker brand. Home internet is competitive, and independent resellers are the standard way to avoid overpaying.

Total cost
Quebec mobile plans are the cheapest in Canada, though still expensive by European or Asian standards. Home internet is competitive, particularly through independent resellers.
Time needed
A prepaid or Fizz SIM is active immediately or within a couple of days by post. Postpaid activation is same-day subject to a credit check. Home internet installation is typically one to two weeks.
Validity
Plans are month-to-month unless a device financing agreement is attached. Promotional rates expire and revert without notice.
Verified
August 2026
High confidence·Anyone living in Canada. Telecoms is federally regulated. Quebec has an additional regional carrier that measurably changes the pricing here.

Before you start

  • Photo identification
  • A Quebec address
  • A credit check or a deposit, for postpaid plans
  • An unlocked handset — all phones sold in Canada have been unlocked since 2017

Step-by-step

  1. 1

    Compare Vidéotron and Fizz before the national carriers

    Vidéotron runs its own network in Quebec and Fizz is its low-cost digital brand. Between them they are why Quebec mobile prices are the lowest in Canada. Start here rather than at a Rogers or Bell counter.

    OnlineWho: YouWeek 1
  2. 2

    Start on prepaid or a flanker brand if you have no credit file

    Fizz, Public Mobile, Fido, Koodo and Virgin avoid the deposit that a flagship postpaid plan will demand from someone with no Canadian history, and cost less regardless.

    OnlineWho: You
  3. 3

    Expect a credit check or a deposit for postpaid

    A postpaid plan is a credit product in Canada. Without a file you will be asked for a deposit, often several hundred dollars, refunded after a period of good payment. This is standard rather than a sign of a problem.

    In personWho: You
  4. 4

    Bring your own unlocked handset

    Every phone sold in Canada has been unlocked since 2017, and bringing your own avoids a device financing agreement bundled into the plan. Confirm band compatibility for phones bought in Europe or Asia.

    OnlineWho: You
  5. 5

    Check what your building is wired for before choosing internet

    Most of Montreal has both Bell fibre and Vidéotron cable available, plus independent resellers on the same infrastructure. In some triplexes and older buildings only one actually reaches the unit. Ask the landlord before signing a service contract.

    OnlineWho: You
  6. 6

    Watch for promotional pricing expiring

    Canadian telecom pricing is heavily promotional and reverts quietly after the term. Diarise the end date and call to renegotiate — retention offers are real and asking for them is entirely normal.

    OnlineWho: You

Documents you’ll need

  • Photo identification
  • Quebec address
  • Credit check consent or a deposit
  • Banking details for pre-authorised payment

Things most newcomers don’t know

Quebec has the cheapest mobile prices in Canada, and there is a specific reason.

Vidéotron built and operates its own wireless network in Quebec rather than reselling, which gave the province a genuine fourth competitor at a time when the rest of Canada had three. The national carriers price against it here and not elsewhere. The practical consequence is that a plan in Montreal can cost meaningfully less than the identical plan in Toronto, and newcomers comparing against Canada-wide figures underestimate how much they can save.

Source: community-reported

A postpaid phone plan is a credit product, and without a score you pay a deposit.

This surprises almost everyone arriving from Europe, where a phone contract is just a contract. In Canada the carrier is extending credit and checks for it. Newcomers with no file are asked for a deposit running into hundreds of dollars, refunded after a year. Fizz and the other prepaid-style brands sidestep it entirely and cost less anyway.

Source: community-reported

Which internet provider you can get is a property of the building, not the address.

Montreal's older triplexes and walk-ups are not uniformly wired, and while the street may have both fibre and cable, your particular unit may only be reachable by one. Landlords know and will tell you if asked. Discovering it after moving in leaves you with no leverage and sometimes no realistic second option.

Source: community-reported

Promotional pricing reverting is the largest avoidable cost in Canadian telecom.

Both mobile and internet are sold on promotional rates that expire after a set term and revert to list price with no notification. Calling to renegotiate is completely normal here and retention departments exist for exactly that. Diarising the end date of every promotion is the difference between Canadian telecom being expensive and being absurd.

Source: community-reported

Common mistakes to avoid

  • Signing with a national carrier without comparing Vidéotron and Fizz first.
  • Paying a large deposit for a postpaid plan you did not need.
  • Accepting device financing that ties you to a carrier for two years.
  • Choosing an internet provider before checking what reaches your unit.
  • Letting promotional pricing revert without renegotiating.

Some of this may be out of date. Spotted something inaccurate? Help us keep it right for the next newcomer.

Make it your personal checklist

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Sources

Last verified August 2026. Government processes change — always confirm critical details against the official source before acting.