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Why pay £500 or £1,000 for a bike when you can buy one for £99? Glad you asked…

Bicycle Shaped Objects (BSOs): thats what experienced cyclists call £99 bikes. What sounds like snobbery is realism. A BSO looks like a bike but is ultimately an ornament for a garage or a skip. It will likely be ridden a handful of times then abandoned after: a) the owner has concluded that cycling (on this heavyweight, inefficient, badly assembled machine) is hard work; or b) it quickly develops a mechanical fault. Any bike that isnt used is a waste of money, whatever it costs. 

As of writing, the cheapest new bike worth considering for a would-be commuter is the Decathlon Elops 100, which has an RRP of £179.99. This is cheap for two reasons: one, its made by Decathlon, a company that sells own-brand bikes through its own stores and which enjoys enormous economies of scale; and two, its a simple bike – a low-tech singlespeed roadster without gears, suspension, or disc brakes. Less is more when youre buying on a budget. 

Manufacturers selling more complex bikes for less than £200 arent selling you a bike youll use regularly; theyre selling you a dream. The reality will be differentand not as cheap as it seems. A £99 BSO thats ridden five times has a per-ride cost of £20 for every not-very-enjoyable journey. You could hire a nicer bike for less.  

You cant even recoup your costs: a £99 bike is worth basically nothing secondhand. By contrast, a decent £300 bike could easily be sold on for £150 or more. So even in the worst case scenario – tried cycling, didnt like it – the £300 model will only have been £51 dearer. 

Check your savings

Really cheap bikes still have to pass safety standards, so youre unlikely to suffer, say, a broken frame if you buy a BSO. Yet a BSO will have cheaper components and wont have been assembled as meticulously. More care and attention will thus be needed to keep a BSO on the road. This requires time (by a competent home mechanic) or money (at the bike shop). Most BSOs receive neither, which is why they end up unloved and unused. 

Price versus performance 

The fact that cheap bikes are a false economy doesnt mean that you need to spend several thousand to get a good one. Diminishing returns kick in around £1,000 – or twice that for an e-bike or full-suspension mountain bike. Dearer bikes are still better but by smaller increments. Whether those differences in performance are indispensable, desirable, or irrelevant will depend on the use youll put the bike to. A £4,500 Tern GSD e-cargo bike is overkill for a flat, two-mile commute to work but its ideal for replacing a family car. 

Broadly speaking, you get what you pay for with bikes. To illustrate that, lets look at some folders. 

Budget: Challenge Holborn, £129.99, Argos

Challenge Holborn

At 14.5kg, this is heavy for a bike youll be lifting into a car boot or train compartment. The handlebar doesnt fold down so its an awkward package unless you remove the stem from the frame entirely, which requires tools and, for reassembly, care. On the plus side, it looks fairly sturdy. It wont be the nicest way to make a two- or three-mile trip to the station or away from the caravan park on holiday but it should do the job. Best for: occasional use. 

Benchmark: Brompton M2L, £1,130, Brompton


The Brompton is popular because its so good at what it does: folding cleverly in seconds to a size thats so compact you can slide it between the seat backs on a train. Unfolded it rides pretty well for a small-wheeled bike, and there are luggage and lighting options to make transport cycling more convenient. Over a thousand pounds is a lot of money but regular users will soon recoup that in savings on taxis, buses, petrol, and parking. Best for: bike-rail commuters; people who live in small flats. 

Bling: Birdy City £2,619,

Birdy City

Why shell out another £1,500 over a Brompton? The Birdy rides better: it has slightly larger wheels, a rigid main frame, better steering geometry, and suspension at both ends. It also has a wider gear range and better brakes. Its a more versatile bike than the Brompton: you could comfortably ride it much further, over hillier terrain and worse roads. It doesnt fold as compactly, however, so its not as convenient as a day-to-day bike-rail commuter as the cheaper Brompton. Best for: someone who wants a folder that rides as well as a full-size bike. 

Bike now pay later

Your friendly local bike shop 

Buying a bike that costs several hundred pounds or more is a big investment. Dont worry: its a good investment as long as the bike is good match for you and your cycling. 

Go to your local shop and they will happily steer you in your purchase. They want you to be a cyclist and to be a repeat customer. That means selling you not just any bike but the right bike. Tell them how much youre looking to spend (brace yourself – this really is what bikes cost) and what youll primarily be using the bike for. Theyll talk you through your options and take note of your requirements – a comfortable saddle, perhaps, or a frame with a low step-over, or mudguards and other accessories.  

Pandemic restrictions allowing, most shops will allow you to have a short test ride before purchase. (Some online shops, meanwhile, will offer you a money-back trial period.) When it comes to buying, spend right up to your maximum budget. Diminishing returns dont apply at three-figure price points. 

Whatever price the bike you choose, you can save money on it through Cyclescheme (as long as the shop and your employer are signed up). Cyclescheme savings are at least 25%. That instantly makes a £300 bike a £225 bike. And youll pay in instalments so theres no big hit to your bank account. In fact, those savings could enable you to stretch to something a little pricier. How about it?  

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