Correct, the D500 only has onboard memory, with a capacity of 80Mb, I was gonna buy one of these phones but I opted for the Sony Ericsson K750i, it has a far better camera, it also has a memory stick duo in it, this is like a smaller version of the memory card you will find in sony's digital camera's, it comes with an adapter to make it into a full size Sony memory card so you can take it to Boots or were-ever to get your photos printerd. A friend of mine has the Samsung E720, which is basically the D500 software in a E700's case. After a few days he sent the E720 back and traded it for a K750i. In my opinion the K750 is one of the best phones on the market at the moment (excluding phones running symbian firmware).