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Bell SmartPay

Bell SmartPay.

A new, affordable way to get the latest and greatest smartphones on Canada’s best network.

Get any smartphone for $0 down at any time with an eligible 2 year rate plan.
Pay for the smartphone in 24 monthly payments with 0 annual percentage rate.
After 24 months, your smartphone is paid off and your total monthly bill decreases.

Pay even less per month with the Device Return Option.

Lower your monthly payments for your smartphone when you combine the Device Return Option with Bell SmartPay. At the end of your 2-year term, you have the option to return your smartphone in good working condition, or keep it and pay back the Device Return Option deferral amount – the choice is yours.

Here's how it works:

Full price: $1,000.00

Smartphone
$0
down
$0 %
annual percentage rate
$41.67/mo.
for 24 months Footnote Eligible 2-year rate plan required. Taxes on the financed device amount are payable with your monthly device payments. The one-time Connection Service Fee ($60) is waived.

Pair your smartphone with a great data plan.

With Bell SmartPay, you can choose from a variety of great data plans.

Our Unlimited Data plans start at $80 for 15 GB of data at unbeatable speeds across Canada. Beyond 15 GB of data, speeds are up to 512 Kbps, suitable for light web browsing, email, and messaging.

Our Connect Everything plans bring you the most convenient way to share your data between all your devices – from smartphones and tablets to smartwatches and other connected things.

View plans

Ready to buy?

Shop smartphones

Frequently asked questions

Yes, subject to Bell’s credit approval process, Bell SmartPay is available with all our smartphones. Visit select Bell stores to learn more about Bell SmartPay pricing for each device.

Yes, select tablets and smartwatches are also available with Bell SmartPay. Qualified customers can activate multiple devices using Bell SmartPay on eligible 2 year rate plans.

Yes. If you purchase your smartphone with Bell SmartPay, you can also add Smart/Phone Care to your plan. We highly suggest considering Smart/Phone Care since it is the best way to have your smartphone protected.

No. Taxes on the financed device amount are payable with your monthly device payments.

After 24 months, your Bell SmartPay installments Agreement will be paid off; therefore, you will no longer have monthly payments for your smartphone. As of month 25, you will only be charged the cost of your monthly rate plan.

If you end your Bell SmartPay Agreement early, then your remaining device payments will become due immediately. If you are ending your Service Agreement at the same time, the remaining balance on your Agreement Credit (plus applicable taxes) will become due immediately. The Device Return Option Deferred Amount (if applicable) will also come due.

Yes, the Device Return Option can be combined with Bell SmartPay.

Step 1: Pick one of our eligible smartphones.

Step 2: Activate on an eligible 2-year plan with Bell SmartPay.

Step 3: Return your smartphone in good working condition at the end of your 2-year term, or keep it and pay back the Device Return Option deferral amount you saved.

You will be able to pair your Bell SmartPay smartphone with the majority of our Unlimited Data and Connect Everything plans. Some plans may be excluded.

If you end your Bell SmartPay Agreement or Service Agreement early, or you change your rate plan to a non-eligible rate plan, your remaining device payments (based on the full monthly amount before discount in the case of any promotions) will become due immediately and you will be subject to an early cancellation fee for your Service Agreement. This amount will be reduced when required by the Wireless Code.

Yes. After one month of your Bell SmartPay agreement, if you are eligible for a device upgrade, you can activate any new smartphone with Bell SmartPay.

Yes. Any additional users to the account can activate a smartphone with Bell SmartPay on eligible 2 year rate plans.

Yes. You can share data across existing devices by activating on a Connect Everything plan.

Yes, at any time you may change your current plan to one of our available Bring Your Own Device plans and pay your device in full with a one-time payment on the following invoice, ending your device financing arrangement.

Additional Important Bell SmartPay Conditions:

Bell SmartPay is available with new activations (or eligible upgrades) on eligible 2-year rate plans. Purchase financing provided by Bell Mobility, on approved credit. Cost of borrowing is $0. 

If you end your Bell SmartPay Agreement or Service Agreement early, or you change your rate plan to a non-eligible rate plan, your remaining device payments (based on the full monthly amount before discount in the case of any promotions) will become due immediately and you will be subject to an early cancellation fee for your Service Agreement. This amount will be reduced when required by the Wireless Code.

From time-to-time, we may offer promotional credits in connection to your Bell SmartPay Agreement which reduces your device payments. If you are receiving a promotional credit in connection to your Bell SmartPay Agreement and you end your Bell SmartPay Agreement early, the credit will no longer apply and your remaining device payments will become due immediately based on the full pre-credit price.

Speed and signal strength may vary due to traffic, topography, environmental conditions and other factors, including Bell’s Internet traffic management practices (e.g., priority access to emergency personnel and critical infrastructure personnel). See bell.ca/ITMP.