(and phone) stores in Canada now sell UNLOCKED phones. You can put any sim you want into an unlocked phone. I just bought an unlocked S5 at Canada Computers
for a very good price
. This separates the phone from the service
provider. This only became possible due to new canadian laws which came into affect about one year ago.
Its better value to buy a new/unlocked phone than to pay to have your old phone unlocked. They always advertise $10 to unlock, but it usually costs more like $100. Its a scam.
phone service in canada, I use petro-can mobile. The sim is $10. Then $25 gets you 4 months service with calls costing 20 cents/minute, coming out of your $25. So for a guy like me, who talks little, I get good coverage and over 6 hours talk time for $75/year. Most people pay more than that for just one month. You can use data on that plan too...but its $100/gb...ouch. If you want data, you'll have to go with some other plan. Personally, I'm happy to use wifi
hotspots and pocket the difference.