How to borrow money from Beeline: top up your balance

Almost every person owns a mobile phone, and often more than one. To hear a loved one or solve an urgent issue, just press one key. But, probably, everyone has come across a situation when it is necessary to make an urgent call, and instead of beeps, the answering machine on the other end reports that before the call need to top up your balance.

You constantly have to keep so many more important things and thoughts in your head that many simply forget to top up their mobile account on time . Even if you are sure that this will never happen, it is better to be prepared.

One of the Big Three operators offers a large selection of available services with a zero and negative balance, which will allow you to stay in touch even where replenishing your account is impossible. This operator is Beeline , and we will talk about how to take out short-term debt on a phone account today in our article .

The range of services is constantly changing, and connection conditions change along with them. To begin with, let’s find out what basic opportunities Beeline provides us when the account has zero :

Trust payment
Auto-trust payment
Call me
Call at the expense of the interlocutor
Top up my account
Talking letter

The list has been verified and current at the time of writing, and below we will describe in detail how to connect the listed services in various ways and how much it will cost

Trust payment

This service is one of the most popular from Beeline, because the easiest way is to borrow money into an account with the company. It is enough to know only how it is connected to almost instantly receive a loan from the operator.

How to order a service?

Dial request *141#
Call the number 0611

Conditions of provision for tariffs with a daily subscription fee or without a subscription fee:

The duration of use of the SIM card for which a loan is requested is more than 60 days from the moment of connection
The amount of expenses over the last 90 days is more than 50 rubles
The connection cost is fixed and amounts to 15 rubles
Validity period : 3 days
Subscription fee for using the service - 0 rubles

To find out the available amount of the promised payment , you need to dial the command *141*7# .

Terms of provision for tariffs with a monthly subscription fee:

The term of use of the SIM card is more than 90 days
Validity period of the service is 3 days
Subscription fee - 0 rub.
The connection cost and loan amount are calculated according to the table below:

Also, any subscriber can set a ban on receiving a “Trust Payment”, which can be subsequently canceled. To use this opportunity you need to call 0611 .

Don't forget that the debt must be repaid .
Otherwise, you risk being left without communication, and reconnecting the service will not be available until repayment

Maximum loan amount and terms

To take out a loan on Beeline, you need to make a plastic card or activate a payment subscription.
Applications are reviewed by two banks at once, so the likelihood of approval is high. After completing the registration procedure, the loan can manage the account through the service’s web account. SMS notification is free. All possibilities:

Money can be transferred for various services - for example, payment for Internet communications, TV, other loans, etc.
There is an option to create templates. Create transactions, save transfers to favorites.
Track transactions, view balances, bonus accruals, return interest on deleted purchases.
Order details.

After issuing a card, download the banking application.
To log in, you will need to enter your plastic data and the code that will be automatically sent to your smartphone number. A loan on a Beeline card can be issued for two types of cards - with a credit or bonus limit. Basic conditions:

limit – within 300 thousand rubles;
interest-free period – 55 days;
standard rate – 29%;
bonuses on purchases – 1% or more;
cashback is within 10%, but there are selected chain stores with increased returns;
cash withdrawal – 0%;
bonuses accrued monthly - up to 3,000 rubles;
commission for transfers to other banks – 5%;
minimum transfer – 400 rubles;
commission for cash withdrawal is 4.9% plus 500 rubles.

There are restrictions on write-offs in the affiliate network. Before withdrawing cash or sending money to a client of another banking institution, make sure that the other party will not charge additional interest. You can get more information from technical support. Beeline operator contact number is 8-800-700-8000.

Before applying for a loan with Beeline, find out the cost of overpayment on the loan and the amount of regular payments using an online loan calculator.

Auto-trust payment

More recently, for the “forgetful”, it became possible to always stay in touch - automatic crediting of money from Beeline to the account when a certain amount on the balance is reached. , but you don’t need to register a bank card and set up auto-replenishment.

How to connect?

To connect, enter *141*11#
To turn off *141*10#

Terms of service:

Validity period : 3 days from the date of connection
Connection cost - 0 rubles
Subscription fee : 50 kopecks/1st day, from the 2nd day to 75 kopecks/day

To find out the available amount of an automatic loan you need to dial *141*9#

Offers

More than 2,400 microfinance companies operate in the Russian borrowing market. To better study the offer from Beeline, we will add to the comparative table the offers of other microfinance organizations that also operate online and issue funds by transfer to a bank card.

Characteristics of MFO products:

Brand (name of IFC)	The product's name	Lending age, years	Daily interest rate, %
Beeline (Simply Credit 24)	Instant loan	21–70	3000–15000
Turbozaim (Turbozaim)	Consumer loan	21–65	2000–15000
SMSfinance	Express loan	18+	1000–15000
Vivus (4finance)	Microloan		1000–15000
Pay ps ( Online loan )	Online loan		2000–10000

As you can see, the first row of the table is in many ways similar to the offers of other microfinance organizations. The largest amounts and duration of the loan repayment period are from the MFO "Moneza".

Do you want to know under what conditions you can get a quick cash loan using your passport on the day of application without certificates? Then we recommend following the link and reading the article. If you are looking for offers with the help of which you can take out a loan from a private person against receipt urgently without prepayment, then we advise you to follow the link.

Call me

The second most popular service among subscribers of Russian cellular networks. Beeline allows you to send a request to call back to absolutely any subscriber of Russian operators, as well as Beeline users in the CIS countries.

The downside is that the subscriber you ask to call back may simply not hear the incoming SMS message with the request. But the undoubted advantage is that the service is absolutely free .

How to send a request?

Dial the combination *144*subscriber number# (the number of Russian subscribers can be dialed without the code “+7”)

Terms of service:

Number of requests - no more than 10/day

How to apply for a loan

You can submit an application in person at the office or remotely through the application or website. To activate the credit option and apply for a loan you need:

Launch the website using the link https://moskva.beeline.ru/customers.
Indicate your full name, email, telephone.
Confirm your actions by entering a verification code that will be sent to your phone number.
Indicate passport details, information about registration, work, relatives, monthly income.
Send a request.

If the decision is positive, you will be invited to the office to sign an agreement and provide a full package of documents. The offer is valid in Moscow and other regions of the Russian Federation. Before finalization, study the terms of the loan and remember the date of payment.

Call at the subscriber's expense

When the funds on your phone suddenly run out, and there is no time to connect any services, or you are not sure that the interlocutor will hear the SMS, call anyone with a Beeline SIM card from your number, but at his expense . The subscriber will see a regular call from you, but after he picks up the phone, the operator will inform you that the call is being made at the expense of the called person and offer to confirm or reject the connection.

How to make a call?

Dial 05050 the number of the called party (without the numbers “8” or “+7”)

Terms of service:

The service is available only for communication between subscribers of the Beeline network
Removal at the expense of the interlocutor is not available in roaming
Use is available no more than 15 times/day
For the dialer the service is free
Standard call rates apply to the recipient of the call

Beeline loan repayment methods

There are many options - just deposit money to your card or mobile account through online banking, a terminal, or by transfer through third-party payment systems. We recommend comparing tariffs to choose the option that is best for you in terms of commission amounts. A Beeline loan can be issued as a microloan on a card or a transfer to a mobile account to pay for services. The conditions are flexible, loyal, the service itself is available to many clients. The fastest way to submit an application is remote. You can also call the operator’s 24-hour helpline number.

Top up my account

It happens that it is not possible to leave the workplace, but you urgently need to make a call, or when the amount of the “Trust payment” is insufficient.

In this case, you immediately want to contact your relatives or friend and ask to top up your account. But what if the balance is zero and there is no way to call or send a message? Beeline has also solved this problem - you can send a request to deposit money into your account absolutely free.

What’s noteworthy is that you can send a request to a client of any Russian operator and to Beeline subscribers in the Commonwealth countries.

How to use the service?

You need to dial *143*subscriber number# , after which the subscriber will receive an SMS with the text that you are asking to top up your account

What are the terms of provision?

You can use the service up to 5 times/day
You can send requests both in your home region and in roaming

What is the service

First, let’s look in detail at how you can borrow money from Beeline and what this option is. So, the additional service for urgent balance replenishment is called “Trust Payment”. It allows you to top up your account with a certain amount, which must be returned later.

Payment is received instantly, you will be able to use the Internet or make calls. The payment period is three days, after which the debt must be repaid.

Just in case, you can activate autopayment and forever forget about the need to regularly top up your phone account.

Talking letter

A free and pleasant opportunity to convey short news or a request to top up the balance to any Beeline subscriber. And not just communicate in the form of a “dry” request or message, but do it in your own voice .

By and large, this has been available for a long time, the terms of use have only been slightly changed.

How to manage the service:

To record and send a speaking note, dial #Beeline subscriber number (without “8” or “+7”)

Terms of provision:

Shipping cost - 0 rubles
Maximum number of letters - 99 pieces, storage period - 3 days
Recording length : no more than 20 seconds
The service is not provided in roaming

For the subscriber who received your letter, the cost of listening will be : 1.15 rubles/1st letter, from the 2nd letter - according to the tariff for an incoming call from a Beeline subscriber.

Of course, it would be great if you never found yourself in a situation where your account balance was negative and did not use the indicated methods of receiving funds on credit from Beeline, therefore, we advise you to activate the “Autopayment” option , often also called “Autopayment”, which will always maintain balance at a certain level.

By the way, if you have a Sberbank card, you can do this by logging into your Sberbank Online account and making a simple auto-replenishment setup.

Requirements

Beeline imposes the same requirements on borrowers as its partner MCC Your Success LLC.

The criteria for a positive response to a client’s application are as follows:

Age over 21 years.
Russian citizen.
Full legal capacity.
Permanent registration in the territory of one of the regions of the Russian Federation.

Presentation of a passport is not required, since its scanned copy is already in the Beeline database from the time the SIM card was issued.

Upon successful repayment of the loan, the client can apply for other products on the website of the brand “Simply! Credit 24" if you live and work in the region served by the microcredit company.

Read the operating rules of the mentioned organization here.

Deadlines

The conditions and rules for issuing loans from microfinance companies are quite difficult to comply with, with the amount of interest rapidly increasing. In this regard, Beeline does not propose concluding a loan agreement for a long term.

The standard offer from partner organizations is announced for a repayment period of 7 to 30 days.

Let's look at the products of Beeline partners in the comparative table:

MFO	The product's name	Deadlines, days
Just! Credit 24 (Your success)	Product 3–15	7‒30
Vivus (4finance)	Green	30
Vivus (4finance)	Red	28
SMSfinans (SMSfinans)	Express loan	1‒30
Pay ps ( Online loan )	Online loan	6‒25

All organizations allow contract extension, but not for every offer and with different deadlines. For example, Vivus does not offer renewal for the Red product.

Each extension of the repayment period leads to additional costs, but, on the other hand, it protects against fines and lowering the borrower’s credit rating.

legislation

Do you make money on websites? Keep -20% on VDS and Dedicated - here.

Is there any basis for such claims, strictly speaking? After all, at some point the user voluntarily performed some action that ensured his place as a victim in the chain (relative to the short number 2002). This is precisely the position that telecom operators adhere to when a subscriber, outraged by the loss of money, begins to search for the truth.

And this is called the federal law of July 23, 2013 N 229-FZ “On Amendments to the Federal Law “On Communications”.

In it, Article 2 of the Basic Law is supplemented with subclause 34.1, which defines what “content services” are.

The legislator made this definition as general as possible, practically fitting into it everything that is not the actual connection. Those. if the user using the phone and through the telecom operator’s channels receives, quote,

...reference, entertainment and (or) other additionally paid information...", gets the opportunity "... to participate in voting, games, competitions and similar events...,

Then he, the user, receives a content service. And it, in turn, being provided with the participation of third parties, falls under the addition of paragraph 5 of Article 44 of the Federal Law “On Communications”, which prescribes a mechanism for protecting the consumer by:

firstly, the possibility of creating, at his request, a separate account to pay only for content services;
secondly, the requirement to obtain explicit consent to receive such services;
thirdly, about comprehensive information, including prices and names of suppliers, about these services before obtaining consent.

Another addition, established by 229-FZ, to paragraph 5 of Article 54 of the Basic Law, states that services provided in violation of any of the above are not subject to payment. And finally, Article 68 of the main communications law is supplemented by paragraph 8, which directly indicates the operator’s responsibility for the implementation of Article 44 (see above).

Let’s summarize the legislative information, projecting the rights and responsibilities spelled out in it onto the practical side of life.

If the user consciously wants to become a consumer of content services, then you can secure your account for paying for communications by declaring your intention to open a separate content account to cover the costs of mobile subscriptions and SMS from short numbers. If it is exhausted, funds intended for regular conversations and SMS will not be affected.

For telecom operators Beeline and TELE2, this action is automated and is carried out by sending a USSD request, *110*5062# and *160#, respectively. Sets of commands are also provided for replenishment and checking the balance.

Megafon and MTS require a personal appearance at the office and presentation of a passport, and one must understand that regardless of the method of expression of will, the very fact of opening an account confirms voluntary consent to receive content services, and strictly speaking makes it unnecessary to inform about the details (in including price) of the same mobile subscription.

Payments

In each agreement, microfinance companies describe all possible options for returning borrowed funds. Free methods are indicated separately, without commissions and overpayments. In the event of a gradual return of funds, clients must adhere to the payment schedule.

If it is not fulfilled, penalties and fines are assessed, which reach a value comparable to the volume of the loan itself.

If the client refuses to comply with the rules for using the loan, he will not be able to receive a larger amount or lower the loan rate the next time he applies.

MFOs allow early partial or full loan repayments. To do this, you need to send a corresponding application a few days in advance.

Do you want to know which microfinance organizations issue loans up to 300,000 rubles with a bad credit history? You can get the answer to this question here. You can find out how to get a loan of 500,000 rubles with any credit history from the article.

You can get detailed information about urgent loans up to 100,000 rubles per card using the link provided.

In many ways, the options for repaying obligations are the same for microfinance and microcredit companies.

Let's consider possible options using the example of the MFO “Simply! Credit 24":

automatic online repayment from a bank card through the MFO website;
through service points “Zolotaya Korona”, “MTS”, “Beeline” and “Euroset”;
depositing cash in the Qiwi, Eleksnet and Leader terminal networks;
by non-cash bank transfer.

When using the first and third options, the payment commission will be zero. According to the latter method, taking into account the duration of transactions between banks - up to 5 days. Electronic payment in the terminal network takes place in a few minutes, as does the transfer of funds on the MFO’s web resource.

With information on cooperation with MFO “Simply! Credit 24" can be found here.

Documentation

From the documentation, it will be enough for the client to sign a loan agreement, having previously read the rules and conditions of working with clients of the microcredit company.

Agree to the use of an electronic analogue of the borrower’s personal signature. Under the loan agreement, the client signs consent to communicate with organizations that are intermediaries between the mobile operator and microfinance organizations.

"Just! Credit", in addition to a Russian passport, in some cases may request:

SNILS;
pensioner's or driver's license;
vehicle registration certificate;
TIN;
military ID;
passport for traveling abroad.

Interest rates

Microfinance companies calculate interest rates on loans daily. Most organizations lower interest rates for subsequent loans to loyal customers and also offer an increase in the period for using borrowed funds.

Offers from the microfinance companies under consideration are summarized in tabular form:

Brand – partner of Beeline (name of IFC)	The product's name	Interest rate, % per day
Just! Credit 24 (Your success)	Product 3–15	2,0
SMSfinans (SMSfinans)	Express loan	1,28–1,6
Vivus (4finance)	Green	1,125–2,0
Vivus (4finance)	Red	2,0
Pay ps ( Online loan )	Online loan	1,8–1,9

For comparison: MFO "Turboloan" has an interest rate of 2.17%.

All MFOs have a system of fines or penalties for improper execution of the loan agreement in case of delay. For example, “Prosto Credit” and “Vivus” charge 0.05% for each day of late payment, and Pay ps - from 0.1 to 0.2% per day.

Read the rules for providing microloans to MFC “Loan Online” here.