[lotsofpulp]

If you use the Apple upgrade program, all the mobile networks charge an activation fee.

The only way to avoid the activation fee is to swap the SIM by yourself, I think.

[scarface74]

We didn't get an activation fee from T-mobile. We also didn't swap the sim.

[lotsofpulp]

Maybe I'm wrong about Tmobile, I can't find anything via searching about it, but Verizon and ATT of course charge it. I thought I had heard Sprint and Tmobile do too since the SIM comes with the phone and they have an excuse to charge, but they might be nicer than Verizon and ATT.