Electronics (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.
For
cheap 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.