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No. Guernsey is outside the European Union, and EU roaming rules do not apply. Some European operators include the Channel Islands in their Europe zone, others bill them separately — check your price list, or use a travel eSIM.

It depends on the operator. Guernsey's networks are separate from the British ones, so a UK plan reaches them by roaming: several operators include the Channel Islands, others charge.

The network reaches the other islands of the Bailiwick, but more thinly than Guernsey itself — expect good signal near the harbours and gaps elsewhere.

No — Jersey is a separate destination with its own plans. For a trip that also takes in France or England, a regional Europe plan is simpler.

Near either coast, yes; in open water, no — for any SIM. The travel eSIM connects as the island's network comes into range, usually before the ship docks.

Pounds. Guernsey issues its own notes, equal in value to British ones, which are accepted everywhere. Cards and phone payments work across the island.