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I have researched around and here are the cheapest deals I found:
## O2 (instore only) ##
£20 x 12 for tariff = £240
Plus £80 for handset
Total for 12 months = £320
£35 for 1st six months + £20 for last 6 months (after downgrading) = £240
Handset is free on £35 tariff
Total for 12 months = £330
## T-Mobile (Vario, not Vario II) ##
£20 x 12 for tariff = £240
Plus £59.99 for handset (£39.99 if you get insurance which you can cancel after 1 month!)
Total for 12 months (without insurance) = £300
Total for 12 months (with 1 month insurance) = £288 (£240 + £39.99 + £7.99 for insurance)
I am not entirely sure but the advisor in O2 shop said we can get £20 tarrif and get £15 data bolt-on and get the phone for free (as this will equal to £35/month) - can some one confirm if this is the case? Also, in this case would it be possible to cancel the bolt-on after a month to bring the price down even more?
Thought I would share this with others who want to buy the XDA mini S.