Megafon bank card: cash withdrawal without commission

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What is a Megafon debit card, what conditions and tariffs does the bank provide? For the convenience of its subscribers, the Megafon operator has launched a line of free bank cards that have a common account with the phone balance.

The card is issued in two types - Standard and Platinum, has the possibility of free service and allows you to withdraw up to 10,000 rubles without paying a commission.

Refunds for any purchases up to 1.5% and up to 20% from Megafon partners, bonus Internet for every hundred rubles, as well as income on the balance up to 10% - all this distinguishes the card favorably and makes it competitive.

Transaction limits

The banking product provided by the operator has many advantages. You can use your phone balance and manage your purchases with one click!

As you know, cash withdrawals from a Megafon card are made from two different media. You can own a digital card or a physical plastic card; they have different transaction limits.

Digital

Let's look at the digital version first.

The daily limit is 60,000 ₽:

For issue – 5000;
For translations – 15,000;
To pay for goods – 60,000.

You can spend 100,000 ₽ monthly:

For issuance – 40,000;
For transfers – 40,000;
For payment – 100,000 rubles.

We will discuss the interest rate for withdrawing cash from a Megafon card later - for now we are talking about the established restrictions. If the user is constrained by limits and wants to increase the amount, you can contact the office with your passport to get plastic.

Physical

If you use a plastic bank carrier, you can withdraw RUB 100,000 daily:

For issuance – 100,000;
For transfers – 100,000;
To pay for goods – 100,000.

600,000₽ available for spending monthly:

For cash withdrawal – 300,000;
For transfers and payment for goods also - 300,000.

Unfortunately, withdrawing cash without a commission from a Megafon bank card is almost never possible! Let's discuss the established rules in order to comfortably use the operator's bank product.

Additional bonuses and loyalty program

You will be able to receive not only basic cashback (1% and 1.50%, respectively), but also increased cashback during the promotion period (if you issue a card before October 1, 2021). You should buy the “Increased cashback” package for the categories that suit you:

“Entertainment” - 199 ₽. The operator’s partners will return 5% from the purchase of tickets to theaters, cinemas, museums, concerts and similar events;
the rest – 119 ₽. This includes: restaurants, cafes, payment for taxis, fuel at gas stations, supermarkets, etc.

You can connect to the package through MegaFon Bank or on the promotion website. Packages can be combined, then cashback is accrued in 2 categories. The service can be combined with other special offers. Thanks to cashback, it is possible to return 1,000 ₽ within a month for any subscriptions, except for “Entertainment” (for these you will be reimbursed no more than 2,000 ₽). When combining, the maximum amount is 5,000 ₽.

Also, from bonuses the product owner can get:

Commissions

You can withdraw money from any ATM of any bank - there are no restrictions. You need to remember about percentages! They are low, consider the amount before receiving funds.

Transactions made at ATMs and Agent service points during the calendar month:

You can withdraw money from a Megafon card without commission if you withdraw up to 10,000 (and the turnover in the current month exceeded 3,000);

When withdrawing up to 10,000 – 2.5%;
From 10,001 to 50,000 – 3.5%;
From 50,001 the commission will be 4.5%,

If you want to receive funds through a point of issue, be prepared to pay a commission of 4.99%. A small amount for quick receipt of funds!

The commission applies to both versions of the bank card - digital and plastic, without changes.

We told you how to withdraw money from a Megafon card - now you know where to look for the issue point and what additional expenses to expect. Be fully prepared and prepared for any situation!

Cash withdrawal

For this operation, according to the official website of Megafon Bank, a commission will be charged from 0% to 2.5%. It’s difficult to say exactly how much, it depends on several factors. But something else is more interesting here.

Starting in October 2021, Megafon introduced new rules for withdrawing money from ATMs. It is allowed to withdraw up to 10,000 rubles per month, provided that during the same period at least 3,000 rubles were spent on various purchases in stores. At the same time, as experts write, it will not be possible to have many cards for cashing out at once. Because these limits are tied to the passport on which they are all registered.

There is one more nuance. Megafon often sets MCC codes for payment types, transactions for which are not taken into account. That is, they do not add up to this 3000. This means that you can make several purchases, but the limit will not come closer. Even worse, the operator often changes these codes without warning.

In fact, we can say that withdrawing money from Megafon cards is inconvenient. However, that is not what they are intended for. A simple balance request at an ATM will cost 20 rubles on any of the products.

Megafon account. Payment by bank card

It would seem that there could be nothing new in the topic “How to top up a Megafon account from a bank card.” However, it is not.

Situations when it is advisable to pay for Megafon with a bank card rather than cash:

funds are available only on credit cards (withdrawing cash from an ATM is very expensive, and payments for cellular communications by all Russian banks are equivalent to purchasing goods from a credit card);
debit cards have balances that are not a multiple of 100 rubles and therefore cannot be withdrawn;
There is no debit card issuing bank ATM nearby to withdraw cash.

Using bank cards to top up your phone account:

1. Payment in the office. Starting from 2021, the most common terminals, similar to store ones, are being installed in Megafon offices throughout the country for payments with VISA/Mastercard/MIR contactless, by rolling or by entering a PIN code. It has been noticed that not all Megafon clients know about this and continue to pay in the old fashioned way through the cash register, or through Qiwi and Eleksnet terminals with a commission.

2. Payment through your personal account. Produced without commission. There are two ways to top up Megafon from a bank card:

directly from the card by entering its details;
by linking VISA or Mastercard to your mobile number and setting up auto-payment, which is made when your phone account balance drops below a certain amount.

A significant inconvenience of paying through your personal account is that the minimum replenishment amount by any method is 100 rubles, which is often excessive given the current cheap prices for mobile communications.

The second drawback of this replenishment method is that MIR cards are not yet accepted in personal accounts at the beginning of 2021.

3. Replenishment through Sberbank ATMs. We are not talking about the obvious option of replenishing a Megafon account from a card issued by Sberbank.

At the Sberbank ATM terminal you can top up your Megafon account from any card of any third-party bank without commission! This may sound incredible. However, it was tested practically in March 2021 in cities of the European part of Russia.

The method is very convenient for payments at night, since in any city there are numerous Sberbank pavilions open around the clock. The method is also relevant for those traveling around Russia, because even in the smallest town there are several Sberbank points, while the company’s office may be the only one in the entire locality. This is exactly the situation that takes place in the most popular tourist destination - Greater Sochi. Several dozen villages of different sizes over a distance of 100 kilometers.

At the beginning of 2019, other Russian banking “monsters” - VTB and Alfa Bank - have not yet implemented replenishing a Megafon account from cards of third-party banks. Also verified practically.

Main characteristics of the tariff plan

Advantages

Free calls in the region where the user resides within the network (a conversation within Megafon with a subscriber from another part of the country will cost 3 rubles/minute);
No mandatory monthly payments.

Flaws

Expensive communication services even within the network;
The cost of a conversation with a subscriber of another operator, even within the permanent region of residence, will cost the client 2.5 rubles per minute;
Expensive calls to landlines outside the main region. Their cost is 12.5 rubles.

The main objective of this tariff plan is to make communication services more accessible to regular customers. This tariff is suitable for everyone who communicates primarily within the Megafon network and only within their permanent place of residence. For others, the cost of services may seem overpriced, to put it mildly.

Cost of communication services:

Free calls within the home region within the operator. The option is available after switching to the tariff from the second minute. The first is paid in the amount of 2.5 rubles;
Within the region of permanent residence, calls to numbers of other cellular communication companies will cost 2.5 rubles/minute;
Throughout Russia, calls to Megafon subscribers are possible for 3 rubles per minute;
The cost of SMS messages is 3 rubles within the network throughout the country, and within the region of permanent residence 2 rubles;
The price for sending messages to numbers of other operators is 3.55 rubles, regardless of the region;
Sending images and other files in MMS format will cost the subscriber 7 rubles, regardless of the recipient;
Using the global network in accordance with the terms of the tariff is 9.9 rubles for each megabyte of received/sent traffic.
International calls within the former CIS countries will cost the subscriber 35 rubles per minute. To European countries, as well as for calls to Israel or Turkey, there is a fixed cost of 55 rubles per minute. The price for telephone conversations with subscribers from other countries is 70 rubles per minute.

It is worth noting that the Megafon company provides its regular customers with the opportunity to make telephone calls to satellite communication systems. The cost of such calls is fixed and amounts to 323 rubles per minute

To connect, you must have the required amount on your balance, since it will be debited from the first second of the conversation on the prepayment principle.

Before switching to a new tariff plan from Megafon, it is recommended to compare the cost of services with analogues.

About the map

With the money that is on the mobile account of a Megafon subscriber, using Megafon Mastercard you can pay for purchases in regular stores, online and for services. That is, the card functions as a full-fledged bank MasterCard, but its account is the account of the subscriber’s phone number. The moment a subscriber tops up his phone balance, he tops up his card.

There are no restrictions on replenishing your phone account - there are no cards. You can top it up in the same way you top up your phone account: at Megafon post offices, through terminals, by automatic payment, through online banks, from other cards, from electronic wallets, etc. Just put money on your phone number and you can go to the store, where you can immediately pay by card.

The card is linked to Megafon.Bank. This is a free online operator service in which you can view all transactions, view and control expenses, and make free payments and transfers. However, any Megafon subscriber can register with MegaFon.Bank, regardless of whether they have a card. To manage your account, a special mobile application has been developed for iOS, Android, and WindowsPhone.

Megafon guarantees the safety of funds. The money is not kept in the bank, but with the operator itself: there have not yet been cases of revocation of the license of mobile operators. As another bonus, you can point out that the company blocks the possibility of falling into the coverage area of unwanted subscriptions for all holders of its plastic card. Thus, plastic owners are guaranteed to be protected from any accidental write-offs.

A Megafon subscriber can issue up to 10 cards in his name, which can be linked to one personal account. If the subscriber has several different personal accounts, then different cards can be linked to each of them, which will be issued in the same name.

You can withdraw cash from the card at an ATM of any bank, including abroad. The bank's commission for cash withdrawals is 2.5%. Don’t forget that the bank that owns the ATM can set its own commission for withdrawing cash from someone else’s card, but this will not be a surprise to you: the bank is required to display information about its tariffs on the device’s screen. There is no minimum threshold for withdrawal.

How to withdraw money from Megafon using money transfer systems

You can withdraw funds from your Megafon account and cash out the received amount of money through money transfer systems in various ways.

On the mobile operator's website

Transfers to the following systems are available on the Megafon website.

Post office.
"Unistream Russia".
Unistream CIS.

To withdraw existing funds, proceed as follows.

Follow the link https://money.megafon.ru/.
Open the “From phone to cash pick-up points” section.
Select the desired service, for example, CONTACT.
A special form will appear.

Fill it out, click on the “Transfer” button and follow the service’s instructions to confirm the operation. You can receive the amount withdrawn from Megafon in cash at any CONTACT office in just a few minutes.

Via SMS

The general principle is this:

Create a message.
Send it to the short number 8900.

The messages differ for different money transfer systems. These are the formats.

BLIZKO - “Blizko sum full name.”
CONTACT - “Con amount full name”.
“Unistream CIS” - “Unim amount country code, full name of recipient, full name of sender).” CIS country codes: Tajikistan - tjk, Moldova - mda, Kyrgyzstan - kgz, Kazakhstan - kaz, Georgia - geo, Belarus - blr, Armenia - arm.
“Unistream Russia” - “Unov sum full name”.
Russian Post - “Post_meg amount full name postal_code_recipient”.

Transaction deadlines and fees

Amounts of money sent from Megafon arrive in the Unistream, CONTACT and BLIZKO systems within a few minutes. When working with Russian Post you will have to wait longer. The translation execution time is from 3 working days. The commission when choosing “Unistream”, CONTACT and BLIZKO depends on the payment amount.

From 1 to 4999 rub. — 7.35% + 95 rub.
From 5,000 to 15,000 rubles. — 7.35% + 259 rub.

Receiving money transferred from Megafon in cash through Russian Post takes longer, but is more profitable. Transaction fees are lower.

From 100 to 2999 rub. — 3.5% + 51.5 rub.
From 3,000 to 13,600 rubles. - 5.2%.

What cards does Megafon offer?

The mobile operator offers 2 types of plastic:

NFC standard;
Gold.

Let's look at how much money needs to be deposited into the Megafon Mastercard account when registering, depending on the tariff. If you decide to issue a Megafon Mastercard Standard NFC bank card, then opening the card:

for users of tariffs “Turn on! Listen/Speak/Chat/Watch/Premium" and "All inclusive" M/L/XL/VIP - free;
for subscribers with tariffs “Turn on! Open/Write" and "All inclusive" XS/S - also free;
subscribers with all other tariffs will need to deposit 149 rubles into their account.

If you decide to issue Gold, then you will need to deposit into her account during registration:

holders of tariffs “Turn on! Listen/Speak/Chat/Watch/Premium” and “All Inclusive” M/L/XL/VIP no need to deposit money into your account;
subscribers with tariffs “Turn on! Open/Write" and "All inclusive" XS/S you need to have 99 rubles with you;
subscribers with all other tariffs will have to deposit 249 rubles into their account when registering.

How to get and start using the card

In order to receive a card, you only need to be a Megafon subscriber. You can get the card immediately when you apply for a new SIM card, or you can come to a Megafon salon and apply for a bank card with your passport for an old SIM card. The client signs the application and deposits an amount from 0 rubles to 249 rubles into the account, depending on the tariff of his phone. This money will remain in the account. The card is issued and issued immediately. All you have to do is activate it and get a PIN code. You can start using it the same moment you activated it.

How to activate a Megafon Mastercard bank card? Take the plastic in your hands and call from your phone number to which it is linked to the toll-free number 5555. Then all you have to do is follow the instructions of the automated system. Don’t forget to write down your PIN code or remember it well—it won’t be possible to change it to a more familiar one. The first purchase will need to be made in a store (or a withdrawal from an ATM) must be made by entering a PIN code.

Rates

When issuing a card, you must connect your phone number to one of the three tariff plans indicated in the table below.

Light Standard Maximum

Monthly service fee for spending more than 3,000 rubles – 0 rubles;
if the conditions are not met - 49 rubles; spending over 10,000 rubles - 0 rubles;
if the conditions are not met - 149 rubles; when spending more than 30,000 rubles - 0 rubles;
if conditions are not met – 199 rubles
Cashback - 1% (no more than 1,000 rubles per month) 1.5% (no more than 3,000 rubles per month)
Income on balance 6% 8% 10%

Important! Interest on the balance is accrued only on amounts not exceeding 200,000 rubles and if there is a daily balance of over five hundred rubles.

Regardless of the tariff plan, the card holder receives free bonus internet for purchases - 10 MB for every 100 rubles, SMS banking and protection from accidental paid subscriptions.

Advantages

What are the main advantages of plastic from Megafon that can be listed:

monthly accrual of 8% per annum on the account balance. In order for interest to be credited, you must make at least one transaction during the billing period and have a permanent account balance of more than 500 rubles. That is, if you have 10,500 rubles in your subscriber account every month, then you will receive as much as 800 rubles per annum;
when making purchases from partners - cashback up to 50% return: up to 15% in Megafon communication stores, up to 10% in Rive Gauche perfume stores, up to 10% in Shokoladnitsa coffee shops, up to 25% in Burger King, etc. The number of promotion partners is constantly increasing , among them are large supermarkets, flower shops, furniture shops, boutiques, restaurants, gas stations, etc.

What other advantages can be noted in the plastic offer from Megafon:

instant delivery;
if you order a Megafon tariff in an online store, you can receive a card by courier;
free SMS information.

Cashback and interest on balance

Cashback, a return of money to your account for certain purchases, is available on all Megafon cards. The percentage of this return, of course, is determined by the partners, at whose outlets the payment takes place. The website https://bank.megafon.ru states that you can return up to 20%. There is a whole section there - the Promotions page with a complete list of offers from various partners, retail chains, online stores, book publishers, entertainment venues, and so on.

Each of these offers can be opened by clicking the mouse and you can see its conditions. This is the cashback percentage, the duration of the promotion (how many days are left) and a brief description of the partner store. There is also a button to quickly go to the corresponding site.

However, we recommend that you also go to the “Increased cashback” section. Here you can activate paid promotions, for which Megafon undertakes to pay increased cashback every month. Connection for all categories costs 119 rubles and you can choose any number of them. You can get back up to 1,000 rubles for each category, and 2,000 rubles for payments from the “All Entertainment” category.

Like any bank card, these products from Megafon accrue interest on the remaining balance. It is 8% and is the same for everyone. And here there is a peculiarity. Interest is accrued only if there is at least 500 rubles in the account. If the balance decreases, then interest stops flowing.

How to use the card

Along with the card, you get access to the Megafon.Bank application and Internet banking. You can perform the following operations in them:

transfer money to a card of any bank;
send transfers to Unistream;
pay for various services;
view detailed information about each transaction, limits, balance;
replenish your Megafon card from a card of any other bank.

The Megafon card does not have its own separate account, and there is no way to send a payment using its details in the mobile application or online banking.

How to cash out

This can be done through any ATM of any bank in the same way as when withdrawing money from a card of another bank: entering the card, password and the required amount. Withdrawal of money can be carried out both in Russia and abroad. The second method is the Payments and Transfers service. It offers several options for withdrawing money without using a card:

transfer to a bank account;
transfer to a bank card;
Cash collection points: Russian Post, Unistream or Contact.

How to top up your account

Topping up your Megafon card account is not difficult. To do this, you just need to add money to your mobile phone balance in any convenient way.

The balance on the card and the balance on the phone are one and the same. The only exceptions are bonus accruals to your mobile account, which can be spent exclusively on communications.

You can top up your card:

by bank card;
cash in salons and terminals;
through electronic wallets and ATMs.

Card issuer - Round Bank

To implement the new bank card project, Megafon attracted the issuing bank, which is Round Bank. This bank cannot be called large and branded, but, in fact, it only issues plastic under an agreement with Megafon and services it. All tariffs and terms of service are set by the operator. You can express concerns: the bank is small, what if it bursts, and the money is not insured. But Round Bank’s hotline assures that in this case the funds will remain on the balance of the Megafon client’s mobile account.

The Megafon card is serviced by the MasterCard payment system, which allows the holder to enjoy the privileges of this system, including the privileges of MasterCard Favorites. This is an international system, so the new means of payment can be used all over the world.

Advantages of cards

The Megafon card is a unique product on the Russian market. It allows you to combine the balance of your card and mobile phone. There are other advantages:

free service;
cashback from partners;
low-cost or free release;
a convenient application for monitoring transactions and making necessary payments;
high rate on account balance;
easy balance replenishment.

Sources:

https://megafonme.ru/bankovskaya-karta-megafon-snyatie-nalichnyx/
https://megafon-info.com/platezhnaya-karta-megafon-mastercard/
https://debetcardsinfo.ru/stati/vsya-informatsiya-i-usloviya-ispolzovaniya-bankovskoy-karty-mastercard-ot-megafon/
https://kartavbanke.ru/debet/debetovaya-karta-megafona.html