User selection for access network is considered to be one of the distinct features of heterogeneous wireless systems, in which users with multi-network interface terminals can freely select access network for better quality of service with lower expense. On the other hand, service providers (SPs) will have to face more intense competition for attracting more subscribers and increasing their profits, which can be achieved through either non-cooperative or cooperative strategies. In this study, the authors propose a unified quantification model for evaluating the access service of heterogeneous systems. The relation between competitive SPs and users is described by different game models, based on general assumptions and practical application scenarios. A novel network selection scheme for maximising user performance–cost ratio (PCR) is proposed. Numerical results demonstrate that all SPs can achieve Nash equilibrium price under non-cooperative game framework and coalition price for cooperative game case to maximise their absolute profits, and the maximal PCR criterion for user network selection scheme is analysed under different scenarios.