A problem may arise when the phone runs out of funds, but you really need to make a call. Of course, when there is cash and a terminal or phone shop nearby, this is just a minor nuisance that can be easily solved. But what to do when there is no cash or there is simply nowhere to borrow money or replenish your account?
The largest Russian mobile operator Megafon offers the largest number of opportunities, compared to its competitors, to continue communication with a zero balance. In the article we will fully describe all possible services, methods of connecting them and costs. We recommend that you save this valuable information in your “Favorites” so that you always have it at hand when you need it.
the following services are available to Megafon subscribers :
- Promised payment
- Call me
- Call at a friend's expense
- Pay for me
- SMS at a friend's expense
- Pay when it's convenient
Let's look at each of them in more detail, and tell you how and under what conditions their connection is possible.
Promised payment
When you activate this service, Megafon will transfer a credit to your mobile balance in the form of a certain amount, which will need to be repaid within one to three days . The funds received can be used for everything you need - calls, internet, SMS, connecting options . That is, this amount is a kind of loan that you take from the operator.
How to connect?
Do one of the following:
- Dial *106# or *1006#
- Send an SMS to short number 0006 with the text 100 or 300 (depending on the required loan amount)
- Call 0006 and follow the answering machine prompts
Connection conditions
- subscription fee for use
- The deposited payment is written off : for a payment of 50 rubles - after 1 day , for 100 and 300 rubles - after 3 days
- The cost of connecting to the service is calculated according to the table:
To find out the amount of the promised payment available to you, dial the command *106#.
Remember that the payment must be repaid within the terms specified in the connection conditions, otherwise the balance may become negative . Reconnecting the service before repayment of the previous payment is impossible .
How to borrow money from MegaFon - instructions
With the help, it is possible to replenish the balance in debt if the user has zero rubles in his account. This kind of loan is provided for a period of up to 3 days, after which it is necessary to repay the resulting debt.
You can activate the service in one of the following ways:
- call the short number 0006;
- make a quick request *106#;
- use the official website of the operator by selecting the “Promised payment” section in your personal account.
The service can be used by a subscriber who has been actively using cellular communications for at least three months. The amount of funds received in debt depends on the subscriber's tariff plan.
Loan terms
Conditions for lending funds under the Promised payment service:
- minimum size – 50 rubles, maximum size – 300 rubles;
- VIP clients can expect to receive an amount of up to 3,000 rubles.
You can obtain VIP status if you spend more than 6,000 rubles on communication services over the last six months.
How much does the service cost?
The cost of providing the service will directly depend on the amount requested by the client:
- 5 rubles – when requesting a balance replenishment of 50 rubles;
- 15 rubles – if the requested amount is 150 rubles;
- 20 rubles – when transferring funds in the amount of 300 rubles.
The operator offers to connect the service automatically. By activating it, the subscriber will be able to automatically receive an amount of 300 rubles if his balance is 10 rubles.
Call me
It happens that the balance is close to zero, or the promised payment is not available due to a large minus. In this case, you can ask the subscriber you want to contact to call you back . After typing the command, the subscriber will receive an SMS in which your number will be indicated as the sender, with the text: “The subscriber asks you to call back .
How to connect?
Dial the request *144*subscriber number# and press the call key
Terms of service
- Subscription fee and connection fee - no
- The service is available in roaming and with a minus balance
- The request can be sent to a subscriber of any operator
- Maximum quantity - up to 5 requests/day
How much can you get?
The loan amount depends on the client’s status.
For subscribers who do not have unlimited Internet connected, the conditions are as follows:
The account can be topped up with specific amounts: 50, 150, 300 rubles. The connection fee is 5, 10, 15 rubles. respectively. The service can be activated when a balance of 10 rubles is reached. Automatic promised payment is valid for amounts of 150 and 300 rubles.
The connection amount depends on the account status. If the subscriber’s account has up to – 40 rubles. he can take 50 rubles. trust loan, with a balance of up to – 100 rubles. The loan amount is 150 rubles, if the account balance is up to -250 rubles, you can borrow 300 rubles. If the client has been served by the operator for more than 2 months, he can receive a loan in the amount of 150 or 300 rubles. for a period of 3 days.
Additionally, the amount of the loan is affected by how long the client uses Megafon. If he has been using Megafon services for 1-2 months, and he has already topped up his balance 3 times or more, the amount will be 50 rubles, which must be repaid in 2 days.
For clients with an unlimited Internet connection, a loan is available in amounts from 100 to 1300 rubles. for a period of 3 days.
For subscribers who spend more than 3 thousand rubles on communication services. per month (VIP clients), the maximum amount provided is 1300 rubles, but they can repay the debt in 7 days.
If, when connecting to the service, the client’s balance is negative, mobile payment and transfer services become unavailable to him.
Call at a friend's expense
You can make a call yourself even if there are no funds in your account, and the cost of the call will be paid by the interlocutor . This special service makes it possible to make such calls only between Megafon subscribers. In this case, the called subscriber will first hear a voice message from the answering machine that the call will be made at his expense, and after that he can accept it or reject it.
How to connect?
To make a call, dial 000 before the subscriber number (starting with +7 or
Terms of Use
- The cost of a conversation for the interlocutor will be 3 rubles/minute and does not depend on the tariff
- There is no subscription fee
- The number of calls is unlimited
Any subscriber can prohibit receiving calls at his expense by adding the interlocutor’s number to the black list. To do this, you need to send an SMS to number 5084 with the text “+” to bar for everyone, and the text “+subscriber number” to bar a call from a specific person.
Description of service
The service represents a confidential loan from the company to its customers. It is provided in two options: one-time connection or regular account replenishment in case of a critical balance. Often the Promised Payment is called a “Trust Payment”.
This service has a number of advantages:
- The subscriber can make a call even if he has no funds on his balance.
- You can use the service around the clock, anywhere, even while roaming.
- Just plug and unplug.
The option is paid, the fee for use is debited before connecting the service.
Pay for me
There is no way to top up your account yourself? You can ask acquaintances or friends to top up your account, even if it is not possible to convey the request yourself. The person will receive an SMS from your number with the text “Please top up my account . You can send a request to a subscriber of any mobile operator, even abroad.
How to connect?
Dial the combination *143*subscriber number# and press the call key.
Terms of service
- monthly fee . There is no connection fee
- The service is available both in the home network and in roaming
- Limit: no more than 5 requests/day, 30 requests/month
Did you know that you can find a Megafon subscriber using the special Navigator service? Read the article on how to log into the service and about Navigator tariffs.
Features of applying for a loan on a phone account
The Megafon operator allows one client to have several accounts at the same time. The main requirement is that all SIM cards must be registered to the same person. The funds received may be on the balance of the mobile phone number. The client must first obtain a virtual card, which will be used to carry out financial transactions in the future.
The Megafon operator has an international payment system. As a result of the seminar held in Barcelona on February 25, a memorandum was signed on further cooperation in the mobile financial services market. Each client has the right to receive a service called “Credit to phone account.”
At Megafon, this procedure is considered a new stage in the development of services. Users can receive a certain amount to a plastic card account or to a subscriber’s virtual account.
Important! You can submit an application through the mobile application. Thus, every Megafon client can get the necessary loan without leaving home. Funds can be used according to the client's wishes.
SMS at a friend's expense
A new service from Megafon, which undoubtedly became popular in a short time. Now you can not only make a call at the expense of the interlocutor, but also send an SMS at his expense , even when there is a minus on the phone. The subscriber to whom you are sending the SMS will receive a message asking you to confirm the sending at his expense, which he can confirm or reject.
How to connect?
To send an SMS at someone else's expense, dial 000 before the recipient's number (format: 000 79...., 000 89...., 000 9....)
Terms of Use
- The service is available only between Megafon subscribers
- The cost for the recipient is 3 rubles/SMS , for the sender it is free
Anyone can prohibit receiving SMS at their expense by adding a specific subscriber to the blacklist, or prohibiting reception from any numbers. To do this, you need to send an SMS to 5679 with the text “+7 subscriber number” or “+” to ban for everyone
Other options from MegaFon
To make full use of mobile communications, each subscriber can subscribe to various packages of profitable and convenient services. All relevant information can be obtained in the subscriber’s personal account.
"Pay for me"
When the user does not have funds in his account or his balance is in the negative, and it is not possible to replenish it in the near future, you can send an SMS to a subscriber of any operator with a request to make a payment and replenish the balance. Using the service is free and does not require an additional connection.
The notification received will contain a detailed description of the service and methods for transferring funds to the required number.
When making a combination, you must carefully enter the recipient's number. MegaFon will not be responsible for replenishing the balance of another subscriber.
The service is provided completely free of charge, no commissions or interest are charged, it is basic and does not require additional activation. All MegaFon subscribers can use the service, regardless of the connected tariff plan.
A request is sent using the command *143*subscriber number#. The number can be entered in any format. The limit on sending SMS is up to 5 per day and no more than 30 per month. The request is stored for 12 hours, after which it will be deleted and the recipient will not see it.
When I use the service, the subscriber by default agrees to receive advertising offers from MegaFon.
Using the service is quite simple - dial a short command, indicating the number of someone who can help financially at the moment. The notification itself will come from the company’s service number; the number that needs to be topped up will be included in the SMS. There is a risk of fraudulent activity. You should be especially careful when transferring funds.
The service is convenient if you need to perform some paid action and the balance is zero. If you just need to make a call, you can use other company services, for example, Call at a friend's expense or Promised payment.
"Call me"
It will help you to always stay in touch by allowing you to send requests asking to call you back. The convenience and advantages of the service are as follows:
- even with a minus balance, the user can send messages with a request;
- the other subscriber will receive a text message not from the operator, but on behalf of the person who sent the request;
- the option is provided free of charge;
- requests can be sent not only to subscribers within the network, but also to users of other cellular operators (it is important that MegaFon has the ability to exchange messages of this kind);
- The service covers the entire territory of the country.
It is allowed to send no more than 5 requests per day. The service can be used on any tariff plan and does not require additional installation.
To send a request, use the service combination - *144*subscriber number#. The number is indicated after 7. A notification will be sent in the form of a text message about the delivery of the request. The recipient will see a request to call back.
"Call at a friend's expense"
If there is no money in your account to make a call, you can use. The essence of the service is that the subscriber calls another person. When he picks up the phone, he will hear an information message stating that the call is being made at his expense. If the recipient agrees to pay for the call, a connection will be established.
Features of the service:
- available on any of the tariffs;
- if the balance is zero, automatic activation when dialing is possible;
- if the subscriber denies the call at his expense, the connection will be interrupted; to do this, he just needs to reset the incoming call;
- By pressing the number 1 in tone mode, the subscriber agrees to make the call and pay for it.
There is no need to pre-activate the service. To make a call, you need to dial three zeros on the phone, then the recipient’s phone number and the call button.
The cost for the service will be free for the caller, and 3 rubles per minute for the party receiving the call. This amount of payment will be regardless of what tariff plan he uses. In one day you can make no more than 10 calls at someone else’s expense.
The service is available for calls only to MegaFon subscribers. You cannot make requests for numbers of other mobile operators and landline phones.
Pay when it's convenient
The name of the service sounds like something new, but in fact, it is a popular service that has changed its name. It allows you to use all the operator’s services even with a negative balance. In this case, a virtual limit is provided , which is calculated individually, up to the limit of which you can “go into the minus”. At the beginning of the month, if there is an outstanding debt, you will receive an SMS with a report and the required amount to be repaid.
How to connect?
You must enter the command *550*1# , or send an SMS to 5050 with the text “1”
Terms of service
- The SIM card can be used for more than 90 days
- Total expenses for the last 90 days - more than 170 rubles
- The amount is calculated depending on the total amount of expenses for the last month
The listed features are available to almost any Megafon subscriber , each of them decides which ones to use individually. It’s great that there is such a wide choice of services.
Also, any of the listed services can be activated through your personal account on the Megafon website, or by phone 0500.
An alternative option is “Credit of Trust”
The method discussed above is not the only one. Let's highlight another way to borrow money for a phone for Megafon users. The operator offers the “Credit of Trust” option, but here the registration conditions are more stringent:
- The period of use of the SIM card is six months or more.
- Expenses for mobile communications and global network for the last quarter from 600 rubles.
The option can be activated in 2 ways:
- Through the office. In this case, the company employee will check the amount of expenses for the last 3 months. If it is above 600 rubles, the required amount is credited to the balance.
- By command (via phone). In such a situation, you need to dial *138#, and then call.
The loan size is selected by the client taking into account his needs. The following options are available here - 300, 600 or 900 rubles. To deactivate the service, just dial *138*2#. In the event that there is money left on the balance, it is returned back. If the payment is not made on time, the trust credit is active, but subject to prior replenishment. It turns out that these funds are withdrawn after money is deposited into the account, and when the balance is reduced to zero, they are returned.
Knowing how to borrow money on Megafon, you can quickly resolve difficulties associated with late account replenishment and lack of funds. As a result, you will always be in touch and will be able to communicate with near and dear people.
You already know how to borrow money on Megafon through “Promised Payment”. However, you can also take out a cash loan through such a useful add-on as “Credit of Trust”. Let's look at this service in more detail.
Description
Using this option, you can top up your card and take from 300 to 1,500 rubles. loan for using any types of mobile services and applications. You can connect a convenient add-on to your phone using an SMS request, a USSD code, or using prompts from a call center employee.
Connecting “Credit of Trust”
It should be noted right away that this functionality can only be used by clients who have been in the Megafon network for at least 4 months. The loan amount will depend on the client’s total expenses on cellular communications over the last three months.
SMS
Send a message with the text “1” to number 5138. In a couple of seconds you will receive a positive or negative response on your mobile phone. As mentioned above, everything will depend on your financial activity online. If the answer is positive, you will be able to select the loan amount.
USSD request
Dial the following combination of numbers on your phone: *138*1# and press the “Call” button. After a couple of seconds you will receive a response from the system.
Help Desk
You can also activate the “Credit of Trust” function at the nearest mobile operator office. To do this, you must have your original passport with you. Company employees will calculate your credit limit and inform you about the terms of the program, debt repayment terms, etc.
How to disable the option?
To disable the functionality, send a USSD request to *550*1# or send an SMS to 5138 with the text “2”. You can also deactivate the option at the office of your mobile operator.
As you can see, there are many ways to get money on your card via Megafon. How to get funds and which of the above programs will be the most convenient for you, decide for yourself.
Step-by-step algorithm for applying for a loan online
Let's look at step-by-step instructions on how to borrow money on Megafon
- To obtain a MasterCard digital bank card, you need to download the Megafon application.
- In the menu you need to go to the “Megafon Bank” subsection. After this, the phone number will become a mobile bank account. The advantages of such a change are a minimum percentage on the balance, cashback and a bonus discount system.
- The user can receive a plastic carrier with a traditional bank account at one of the branches of the Megafon operator.
- The initial loan amount is at least 10,000 rubles. The period for repaying the loan obligation varies based on the statistical data of each user. On average, it ranges from 1 to 3 months from the date of application.
- The mobile application will collect statistics on purchases and financial transactions. Thus, the operator will select a personal offer for each Megafon card holder.
- You can top up your account to pay off your loan obligation in the usual way. To do this, it is enough to deposit the required amount 2 days before the debit. Thus, many clients will be able to avoid possible delays.
Price
You need to understand that the money you receive from your provider is not a gift. In essence, this service is a loan from the Megafon operator. And the loan must be repaid, and with interest. The prices for the service are as follows:
- For a minimum loan of 50 rubles, you will have to pay 12 rubles more.
- If you take 100 rubles, you will have to return 120.
- For an amount of 150 rubles, an interest of 25 rubles is charged on top.
- For a loan of 200 rubles, a total amount of 230 is subject to repayment.
- If you take 300 rubles, the operator will charge 40 rubles for the service.
