In Canada you have to pay extra for a 5G plan even if you have a 5G phone. And grandfathered plans/plans you’ve been on for a while keep the low speeds.

I had a super cheap prepaid plan with 3g speeds until I switched last month because I was on it for so long.

Prepaid plans here just cut you off data completely unless you turn on the overage charge option and prepay for your overage.

There are monthly plans that doesn’t do overage charges, but they throttle you so much it’s not really useful.