**** The Official Samsung Galaxy S10 Family Thread ****

That is quite tempting

What exactly is the "programme" though? Can I essentially use it as a method of finance? Or will I be expected to trade it in another 12 months?

No need to upgrade after 12 months, below is from Samsung upgrade program T&C's:

* The ability to upgrade your handset as part of the Upgrade Programme is offered by us on a discretionary basis. We do not guarantee that the Upgrade Programme will continue to be offered at the time of the release of our next flagship handset, or otherwise in the future. The condition of your returned phone will be reviewed upon receipt (you may be liable for a charge for excessive damage and if the handset is beyond economic repair you will not be eligible for the upgrade). There is no obligation to upgrade after 12 months, you can settle the credit agreement at any time. Your monthly payment for future Samsung Galaxy handsets may vary
 
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