System for making a vertical handover decision between a first network and a second network, comprising - a first network, - a second network, wherein the first network is a 3G or 4G or 5G telecommunications network and the second network is a Wi-Fi network comprising an access point, - a terminal capable of attaching to both the first and second networks, - a fixed point in either the first or second network or in the Internet, wherein the fixed point is a server or a dedicated computer; and wherein both the first and second networks allow information flow between the terminal and the fixed point; and wherein the terminal is configured to, when attached to the first network: - detect the second network; - perform a first bandwidth measurement representing available bandwidth along a first path length between the terminal and the fixed point, which first path length includes access to the fixed point through the first network; - obtain a second bandwidth measurement representing available bandwidth along a second path length between the terminal and the fixed point, which second path length includes access to the fixed point through the second network; - compare the first bandwidth measurement to the second bandwidth measurement, - maintain attach to the first network if the first bandwidth measurement is higher than the second bandwidth measurement; - make a decision to handover to the second network if the second bandwidth measurement is higher than the first bandwidth measurement, wherein the terminal is configured to obtain the second bandwidth measurement from the access point or the fixed point before it has attached to the second network. - a first network, - a second network, wherein the first network is a 3G or 4G or 5G telecommunications network and the second network is a Wi-Fi network comprising an access point, - a terminal capable of attaching to both the first and second networks, - a fixed point in either the first or second network or in the Internet, wherein the fixed point is a server or a dedicated computer; and wherein both the first and second networks allow information flow between the terminal and the fixed point; and wherein the terminal is configured to, when attached to the first network: - detect the second network; - perform a first bandwidth measurement representing available bandwidth along a first path length between the terminal and the fixed point, which first path length includes access to the fixed point through the first network; - obtain a second bandwidth measurement representing available bandwidth along a second path length between the terminal and the fixed point, which second path length includes access to the fixed point through the second network; - compare the first bandwidth measurement to the second bandwidth measurement, - maintain attach to the first network if the first bandwidth measurement is higher than the second bandwidth measurement; - make a decision to handover to the second network if the second bandwidth measurement is higher than the first bandwidth measurement, wherein the terminal is configured to obtain the second bandwidth measurement from the access point or the fixed point before it has attached to the second network. - detect the second network; - perform a first bandwidth measurement representing available bandwidth along a first path length between the terminal and the fixed point, which first path length includes access to the fixed point through the first network; - obtain a second bandwidth measurement representing available bandwidth along a second path length between the terminal and the fixed point, which second path length includes access to the fixed point through the second network; - compare the first bandwidth measurement to the second bandwidth measurement, - maintain attach to the first network if the first bandwidth measurement is higher than the second bandwidth measurement; - make a decision to handover to the second network if the second bandwidth measurement is higher than the first bandwidth measurement,