A wireless device, for each of a plurality of wireless networks, establishes communications with each wireless network and transmits SIM card information to the wireless network. The plurality of wireless networks transmit SIM card authentication information requests to a cash card SIM server computer and, if a service agreement exists with an operator of the cash card SIM server, receives SIM card authentication challenge information. At least two of the wireless networks then authenticate the wireless device and prepare and transmit wireless service terms to the wireless device. The wireless device selects a servicing wireless network from the at least two wireless networks based upon the corresponding received wireless service terms and receives wireless service from the selected wireless network. The wireless network and cash card SIM server coordinate billing for such service and deduct appropriate amount(s) from the account of the SIM card.