MTS "Express Money" service: how to borrow, maximum amount and how to disable

MTS “Express Money” is an option to quickly resolve financial difficulties on your balance sheet. Everyone has a situation where they didn’t have time to replenish their account, or there wasn’t enough money before payday. In this case, it is impossible to refuse communication, because the rhythm of modern life implies a constant online status. So what to do? Using the option from MTS, the user tops up his account balance at any time, anywhere, while continuing to communicate with family and colleagues.

What can you do if your balance is zero?

MTS has a number of services united by the common name “Opportunities at Zero”. These services are provided to assist subscribers whose balance is zero.

Attention! Subscribers can use the promised payment or the “Credit with full confidence” option.

Also, in an emergency situation, you can use the help of friends and relatives by sending them a “Call me” beacon, sending an SMS with the content “Help me out” or “Top up my account.”

Credit firms

Mobile telesystems cooperate with Simberella LLC, MigCredit LLC. These are registered partners who meet the necessary legal requirements.

• In the first case, the money is transferred to a specific subscriber account. Each action is fully regulated by the concluded service agreement, which is automatically drawn up at the time of the subscriber’s consent.
• In the second, the company increases the balance of the mobile balance by crediting funds. All actions are carried out through PJSC MTS Bank.

MTS is not the first year in the services market and will not allow its customers to be deceived.

The most widespread is the borrowing of funds.

To activate the service, the subscriber must express a desire by typing a combination of characters or in the Personal Account. The funds will immediately be credited to the subscriber's account.

After connecting this option, the subscriber will be able to continue to use communication services. In this case, he must repay the debt within three days.

To pay off the debt, you will need to credit funds to your account. You can make a bank transfer, pay in cash through a terminal, etc.

MTS sent a letter about the debt: what to do?

In the future, the subscriber will be able to use the service again. You can use, after connecting which funds will be debited from your bank card to your phone account automatically as soon as the need arises to top up your account.

Reviews

Despite the popularity of the service, there are not many reviews about it on the Internet yet. They are mainly found on forums and in comments on interest-related sites, where users consider the possibilities of certain options.

Let's highlight the advantages that users highlight in their reviews:

1. Quickly receive funds into your account.
2. Minimum requirements to receive the service.
3. Cooperation with reliable microfinance organizations.
4. Lack of bureaucratic red tape.

Minuses:

1. High commission.
2. Not available on all plans.

Connection features

If a subscriber has outstanding debts for more than 30 days on other numbers, he will be denied the “Promised Payment” option. A person who has been an MTS subscriber for less than two months will also be denied the option.

Important! The subscriber independently chooses the amount of payment, but the company has set a maximum amount, which depends on the subscriber’s expenses and his history of using this service.

The company is not obliged to provide this service; this is its right. The company reserves the right to unmotivated refusal to provide services. For example, basic tariff customers.

Watch the video. How to take the promised payment to MTS via phone:

Conditions of receipt

When registering for the Express Money online service from MTS, you must take into account a number of requirements for subscribers.

Conditions:

1. The client is an individual.
2. A valid contract for communication services for 30 days or more (counting from the date of conclusion).
3. Active use of the tariff plan.
4. No debts during use. So, do not forget to find out about any debts on your personal account before doing this.
5. Reliable personal data.
6. The rate is not corporate. Exception, tariff plans Cool, fixed line or Basic 092013.
7. There is no prohibition on returning part of the advance.
8. There is no prohibition on transferring personal data to third parties.
9. No financial block.
10. There is no ban on issuing microloans.

To receive Express Money on MTS on your phone, you need to take these requirements into account, and they must be met.

How to borrow 50 rubles on MTS

Often, a small amount of money is enough for a subscriber to continue using communication services if an emergency occurs. At the same time, it replenishes the account quite quickly.

The operator provides the “Promised Payment” option, within which subscribers can take funds in the amount of up to 800 rubles. on credit.

To activate the service, the subscriber does not need to sign any documents or personally contact the company’s office. You just need to enter the following combination on your phone: *111*123#.

You can also activate the service by calling 1113 or through your Personal Account on the MTS website. After connecting the service, the client receives a message with information about the payment amount, debt repayment period and commission.

It is recommended to repay the debt in a timely manner. Otherwise, communication services may be suspended. If the debt is not repaid, it may be forcibly written off from the subscriber’s accounts that are registered to him.

The company also has the right to file a lawsuit. According to the court decision, the subscriber will have to pay fines, court costs, penalties, etc.

Attention! Our qualified lawyers will assist you free of charge and around the clock on any issues. Find out more here.

Commission

Using the Promised Payment option requires a payment that depends on the total amount of funds requested. Borrowers should note that upon repayment they will have to pay an additional small amount. Users should be aware that:

1. when receiving a loan of less than 30 rubles. no commission is charged;
2. when borrowing from 31 to 99 rubles, an additional 7 rubles are debited;
3. if a subscriber requests from 100 to 199 rubles, the commission is 10 rubles;
4. when replenishing your balance in the amount from 200 to 499 rubles. charged 25 rubles;
5. when receiving 500 rubles or more – 50 rubles.

Using the second option is free. But the funds spent must be returned before the 24th of the current month.

Loan "In full confidence"

Using this service, a subscriber can borrow money from 300 rubles. per month. At the same time, there must be no debt on all subscriber numbers, as well as regular replenishment of the account by at least 300 rubles. during the previous three months.

The service can be activated in one of the following ways: in your Personal Account on the company’s website or by entering the symbol combination *111*32# on your phone.

Payment is made once a month according to the invoice, which is sent for the previous month before the 24th. If you partially repay or fail to repay the debt, you will not be able to use the loan again (until you repay the debt).

How to disable all paid subscriptions on MTS?

What can be replaced

If for some reason you are not satisfied with the Express Money option from MTS, you can use other options. In particular, MTS offers a promised payment option, which can be received with a balance of at least -300 rubles. The money spent must be returned within three days, otherwise the funds will be blocked. The maximum limit is 1000 rubles. Connection is possible in several ways:

• My MTS application;
• Personal Area;
• sending command *111*123#;
• free call 1113.

The loan period is 72 hours. When receiving up to RUR 30, no additional fee will be charged. In other cases, you will have to pay a commission.

Clients do not have to borrow the required amount. All you need to do is call at the expense of another subscriber. In this case, you need to dial 0880 (subscriber number, 10 characters), and then click on the Call item. Alternatively, you can dial 0880, wait for the informant to contact you, and then enter the sponsor’s phone number. No more than 10 calls or SMS are allowed per day.

The option considered is very convenient, so it is in demand.
So, to disable Express Money on MTS, you do not need to dial 1976, because there is automatic prolongation. Providing funds without the client’s knowledge is also impossible, which eliminates risks. Everyone decides for himself whether he needs a loan on such terms or not. If our article helped you, please like it!

Fast transfers

Express Money function. Maximum amount: 100 rub. This option can be used by subscribers who have been denied other lending services.

This means that people who have been MTS subscribers for only a month can also take out a loan. In this case, they can borrow money in the amount of 50 rubles. Starting from 3 months of using the company’s services, you can take the amount of 100 rubles. In this case, a fee of 10-20 rubles is charged for using the service.

The service is activated by sending a message to number 1976; in the message you should indicate the required loan amount. Lending is provided by a partner of the MTS company, so you can repay the debt using the “Easy Payment” service or through the MTS Wallet.

If the autopayment service is activated, the funds will first be written off as a fee for communication services, and then to pay off the debt.

To check the amount to be paid, the subscriber should send a message with the text “info” to the number 1976. You can also call 0890 to get the information you need. Calls within the Russian Federation are free.

Description of service

Before using the Express money service from MTS, you need to understand the features of the option. Its essence is simple. If at the time of the call there is insufficient amount in the user’s account, the system offers to top up the balance from 20 to 2600 rubles. The amount of payments and the amount to be refunded (including the commission payment) are indicated in the message with the service offer. To agree, you need to send “1” in the response message.

The service is available for tariff plans from the Cool group, but not basic (092013). In addition, there are limits on the fixed use of network capabilities. At the same time, to enable the Express money service on MTS, you do not have to be a corporate client.

The essence of the option is the same as when applying for a loan on a bank card; each user has his own credit limit. Taking into account existing restrictions, the company offers the subscriber an amount for the use of mobile communications, and the subscriber returns this debt to the company.

How to borrow money on MTS from friends

If a subscriber does not want to borrow from MTS, or has been denied the loan, he can turn to relatives and friends for help.

Remember! The company offers clients a number of the following methods for replenishing their account:

• “Call me back” option: you will need to dial the following combination on your phone: *110*friend_number# (for example, *110*89108935007#). Using the service, the subscriber can send a beacon. At the same time, you will receive a message asking you to call him back.
• : you need to call the number 0880, having received an answer, dial 10 digits of the relative’s number without the first 8. In this case, the subscriber will be able to call a relative at his expense.
• “Top up my account” option: dial the combination *116*relative_number# (for example, *116*89103789456#). A message will be sent to the number of the second subscriber asking you to top up your account.

How to write a complaint against MTS?

Requirements for borrowers

The main requirement for subscribers is to use the connection. To activate the option, you must be in service with the company for more than 60 days.

• The free tariff plan “Super MTS” secretly became paid and expensive

To figure out how to get a loan for MTS on your phone and which number to dial, it is not enough to know the correct combinations; you should clarify the available borrowing amount. It depends on the monthly spending of clients:

• up to 300 rub. – 200;
• up to 500 – 400;
• over 500 – 800.

Those wishing to connect to the second service must use MTS communications for the last 3 months and spend at least 200 rubles monthly.

For the first 4 months after connecting the option, users have access to 300 rubles. If during this time monthly expenses exceed this amount, the available limit expands to the subscriber's average expenses and 20% above this amount.

Alternative option

Available for MTS operators. Its functioning is based on cooperation between MTS and microfinance organizations. By activating the service, the subscriber takes out a loan from a microfinance organization.

Only persons who have been MTS subscribers for more than four months can use the option.

If the balance is zero, MTS partners send messages to the subscriber indicating the loan amount, repayment period and other conditions.

Watch the video. Methods for connecting the promised payment:

Nuances

The service has many nuances. Firstly, it is important to understand that money is provided by 2 organizations:

• the operator itself, that is, MTS, while the commission for replenishing the account is charged by NPO MOBI Money LLC;
• Migcredit LLC. The commission for replenishing the account is charged by MTS Bank.

The commission amount reaches 30% of the transfer amount. At the same time, there is a difference between the funds provided by MTS and a microcredit organization. We have listed the main differences in the table.

Important! Borrowed money cannot be used to pay off debts from other credit institutions.

Sometimes, if all conditions are met, it is not provided. How to remove the ban? To do this, the subscriber must consent to the transfer of personal information to third parties.

MTS “Express Money” is an option to quickly resolve financial difficulties on your balance sheet. Everyone has a situation where they didn’t have time to replenish their account, or there wasn’t enough money before payday. In this case, it is impossible to refuse communication, because the rhythm of modern life implies a constant online status. So what to do? Using the option from MTS, the user tops up his account balance at any time, anywhere, while continuing to communicate with family and colleagues.

"Promised payment"

This service allows you to borrow money from MTS. This is the fastest and most convenient way to borrow. You can connect it in various ways, and the loan size depends on the activity of using the tariff. We will describe the cost and connection conditions below.

Connection methods

You can connect the promised payment to take out a loan as follows:

• Use USSD request *111*123# . Then enter the amount you need to receive, subject to the specified limit, and then confirm your choice. The subscriber will receive an SMS message notifying about the transfer of funds.
• In your personal account on the official MTS website. In the “Payment” section, go to the “Promised payment” sub-item and follow the instructions.

• Using an application for mobile gadgets through the auto-payment connection menu. You can download it in the official stores for each platform (iOS, Android and Windows Phone).

• Through a call to the call center operator at 0890 or 8-800-250-0890 (when making a call from the home number or another operator’s number). Attention! 0 in one of the main sections of the menu .

Payment amount and commission

All subscribers can borrow money from MTS on a paid basis. The cost of use depends directly on the size of the loan. Small amounts can be taken free of charge without overpayments. Starting from a loan of 31 rubles, MTS will charge a commission. You will learn more about it from the table below.

The maximum loan amount depends on the subscriber’s expenses. The official MTS website also provides a table of the relationship between the loan size and your monthly expenses. You can top up your account with a maximum of 800 rubles. Two such replenishments are allowed, but the total amount does not exceed the specified money limit.

Terms and restrictions

To receive borrowed money on your phone, the subscriber must meet the following requirements:

• be on a paid basis and use the package for more than 60 days;
• or "Credit" must be disabled;
• positive balance without debt;
• the subscriber does not pay on a deferred payment basis.

The amount must be repaid within 3 days after the loan. There are also a number of exception tariffs for which it is impossible to deposit funds using this

A useful service that will allow you to extend communication after the balance has been used up. Its main feature is that the subscriber can go into the red up to a certain amount without fear of blocking. There is no subscription fee for use. Thus, this is one of the ways to borrow on MTS. The initial limit is exactly 300 rubles, but every month you have the opportunity to increase it. It is necessary to strictly fulfill the requirements:

• pay all bills for the package on time;
• spend more on communication services than in the previous month;
• the difference between the new calculated limit and the old limit must exceed 50 rubles.

The table from the official website will tell you about the principles of calculation:

You can also fix your limit or resume recalculation through your personal account or a special USSD request *111*2136#.

To connect “In Full Trust” your package must:

• be serviced for more than three months;
• have monthly expenses for communication services in the region of 200 rubles;
• have a positive balance and no debt.

When you use up 75 percent of your allocated limit, you will receive an SMS notification. Please note that if you exceed the limit, the number is blocked.

*111*32# in the dialing field . An alternative option is the “My MTS” application (section “Bill and payment”, menu item “Possibilities at zero”). You can also activate the limit in your personal account. This type of mobile loan is convenient for people who do not control their balance. Thus, if you get into a negative situation, you will be in touch, at the same time you will be able to make calls, and SMS notifications will notify the subscriber about the current situation automatically.

Summary

As you can see, MTS clients have a wide range of opportunities to borrow money from the company or enlist the support of loved ones. The choice of a specific loan method here is determined by the personal preferences of the user, however, certain requirements of the operator still limit the circle of persons financed.

We hope that the publication contains useful information for readers, and we invite you to learn about the nuances of similar services in the Crimea. Such information is available here. Remember, a timely replenished personal account eliminates the need to resort to lending services.

Transfer money from Belarus

It has already gotten ridiculous - a customer from Belarus does not know how to pay for the goods - the bank told her that there are no rubles. The amount is small, converting it into dollars/euros will only cost me a penny, and we will lose due to the exchange rate difference.. How else can the situation be resolved?

I have cards from Sberbank, VTB, Raiffeisen, Yandex-money... or, in the end, just put it on my phone... but is it possible to send money from Belarus to a Russian number? Has anyone encountered this?

A girl from Belarus also wrote to me that there was nowhere to buy currency. A few days ago there was a topic from the admins about the possibility of paying through Yandex-Money from neighboring countries, in connection with the additional capabilities of Yandex_Money. Now you can transfer via Yandex. Look.

Useful MTS commands and USSD requests

Each MTS subscriber using a mobile phone must have a set of necessary numbers and MTS commands to manage his number or tariff plan. Using these commands, you can check your phone balance, connect the necessary services and options.

So that you can manage your number and always be in touch, below is a list of numbers and USSD commands that will be useful to you. Save them in your phone's phone book.

• How to change MTS number through your personal account. Is it possible to return the old number? Who can change MTS number

The MTS operator also informs that calls to emergency numbers are absolutely free, even if you are outside the country.

Lending from MTS - what is it?

The phenomenon of lending from MTS implies two types of options:

• crediting funds to your mobile phone balance to pay for communications;
• providing a mini-loan to your telephone balance to pay for goods and services.

Both options involve the same mechanism (with minor differences).

The user enters a certain combination of symbols and numbers on his device and sends a request for a loan by calling. After this, within a few minutes, if the client satisfies the operator’s requirements, money (Russian rubles) is credited to the account. Of course, before the expiration of the borrowed funds, the debt must be repaid

– this is done by adding the amount of debt to the balance sheet along with interest or commissions.

Who can use

Not everyone is given credit for mobile communications. It is possible to receive funds if you:

• subscriber of a tariff plan from the Cool line;
• necessarily not a corporate client;
• use the number for at least 120 days;
• during this time the number was not blocked;
• no other debts;
• “On full confidence” or “Promised payment” options are not active.

If registered clients fulfill the conditions, the company will review and give a positive response to the loan.

"Top up my account"

Any user of another operator can pay the subscriber's balance. To do this you need:

1. Send a request using the command *116*recipient's phone number# (the number can start with +7, 7, 8, 9).
2. The service covers mobile networks throughout Russia.
3. The message will include a request to transfer money.

Attention! You can top up your balance on the official Internet portal or by visiting a communication salon

To disable notifications, a USSD code request has been implemented *116*0#.

mobile connection

In addition to the federal mobile operators Beeline, MTS, Megafon, Tele 2, balance replenishment is available for the following regional mobile communication providers.

SkyLink Omsk, SkyLink Moscow, SkyLink Volgograd, Skylink-Voronezh, Skylink-Kaluga, Skylink-Kuzbass, Skylink-Omsk, Skylink-Krasnodar, Skylink-Ryazan, Skylink-Udmurtia, Skylink-Vladimir, Skylink-Chelyabinsk, Skylink-Tver, Skylink -Rostov, SMARTS-Penza, SMARTS-Astrakhan, SMARTS-Cheboksary, SMARTS-Samara, Nizhny Novgorod Cellular Communications (NSS), Motive (Ekaterinburg).

A few disadvantages

In addition to the advantages, the smart money card presented by MTS has some disadvantages, such as some new MTS tariff, due to the presence of which many consumers believe that this service is just a scam of suckers. Therefore, we warn you that the plastic card in question and the conditions for its use are not ideal, because they have a significant number of disadvantages, a detailed list of which is given below:

1. there are a large number of paid additional services and options - if you have activated them but do not use them, the commission is not refunded;
2. Some subscribers find it difficult to activate the “Basic” tariff due to the fact that its activation is carried out as part of “cross-selling” - if you have exactly the same difficulty, then we strongly recommend that you contact the company’s employees to clarify the situation;
3. timely, but paid information about promised MTS and any other payments via SMS is provided - the monthly cost of the service is 50 rubles, it can be disabled during the initial registration if you do not see any point in it;
4. if there are not enough funds in the account to write off the commission, then penalties are automatically charged - 0.1% per day;
5. replenishing the balance of your account with MTS is possible from other cards, but you also have to pay a commission for this;
6. there are no free outgoing bank transfers - the minimum transfer fee is 20 rubles;
7. The bank's mandatory requirement is to keep all checks received for at least one year from the date of receipt.

Additional Information

Funds are provided to subscribers most often from two large holdings:

Both companies in the market are engaged in financial transactions, providing loans to the population at low interest rates. One of the additional and popular areas is lending money to mobile subscribers.

If an application is submitted for MTS, funds are transferred to the subscriber’s specifically designated personal account.

MigCredit is a supporter of transferring directly to the mobile balance. Despite the different sources of financing, the main link in the chain of financial transactions will be the mobile service provider MTS Bank.

The company has a good reputation, and the brand has been on the market for many years; financial fraud is completely excluded.

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