In a multi-network environment, a request signal is sent from a user terminal to each of a number of communications networks. In response, the network returns a response signal. Based on the response signals received from all networks, the user selects one of the networks. The response signal contains information on communication services of the requested network such as tariff data and current congestion level. The user terminal then establishes a connection to the selected communications network. In a modified embodiment, request signals may be sent during a handover to base stations of different wireless networks to request for congestion information for selecting a network having the lowest congestion level as a handover destination. In a further modification, when a congestion is encountered in a first network in response to a user's request, a second network of low congestion level is selected and indicated to the user.