Hiya!
For me, Calling the USA - I use Swiftcall. You Pay £19.99 a month and all calls to the USA, Canada and if you're on the Euro package, 20 or so European countries are included! limited to 75 minutes per call then you just hang up and redial! this is anytime, evening or day and weekends. Total per month = that £19.99 to swiftcall and £10 to BT for line rental. The swiftcall package also includes anytime access to UK numbers beginning 01 or 02. Can use the service from a Mobile as well! Overall, quality is excellent, and a brilliant way to 'fix' your telephone costs for budgeting purposes.
downsides - have to call an 0800 (free) access number then type in a PIN then dial the number you want. Also, frequent emails telling you not to give the details out to anyone else and also a call from their team if they think you're using it wayyyy wayy too much and then they want you to pay extra for another service. If you keep to a 'good level' of use, you'll be ok, and of course, as ever, they won't tell you what that 'limit' or 'level' is before they think you should go onto a higher package
I call mainly the USA, Canada sometimes, my cousins in Holland and Germany and we use another service by OneTel to call relatives back in India.
Calling from the USA - 1010987, Skype. - The US telecoms industry has played alot of catchup recently and in some ways is better than the UK. I remember seeing a cell/mobile deal from T mobile which had unlimited calling within the US for around $75 a month! I thought that was a good deal!
I need to ask all my USA relatives and friends if there's any other deals or cards or plans that are good!
Cheers!
Dennis! West London & Slough UK!!