“Promised payment” is a service that can be found in the list of options of all Russian providers, including MTS. The essence of the proposal is that a user who has forgotten to deposit money into his mobile account on time and is unable to replenish it right away receives the right to continue using cellular communications even with a zero balance at the expense of the operator. If you don't have money for communication, you can borrow it from your provider. The main thing is not to forget to repay the promised payment to MTS on time. The option is analogous to a loan. The money must be returned with interest accrued on the amount. There will be no commission only if you take out a small loan of no more than 30.00 rubles.
How does a trust payment work?
The amounts a client can expect depend on how much money is spent on communications during the month. If you slander more than 500.00 rubles, your credit maximum is 800.00 rubles. If you spend 300.00-500.00 rubles, MTS will lend you up to 400.00 rubles. If the costs are minimal - up to 300.00 rubles, for the personal account of such a user it is possible to replenish the provider’s money with no more than 200.00 rubles.
As noted, the option that provides the opportunity to borrow funds is not provided free of charge. Tariffs for use are as follows:
| No. | Amount of “Promised payment” (rub.) | Cost , rub.) |
| 1. | less than 30.00 | 0.00 |
| 2. | 31.00-99.00 | 7.00 |
| 3. | 100.00-199.00 | 10.00 |
| 4. | 200.00-499.00 | 25.00 |
| 5. | more than 500.00 | 50.00 |
How many times is it allowed to take the promised payment on MTS?
You can take out small loans several times a month. The main thing is not to forget to pay off the debt. This will lead to the number being disconnected and to a denial of the opportunity to use the Promised Payment in the future.
How to withdraw a trust payment to MTS?
To withdraw the required amount of money to your phone using the described option, you need to activate the service. There are several connection ways:
- at the provider's office;
- USSD request;
- by calling the special number 11 13;
- in your personal account on the MTS resource;
- in the mobile application.
Expert opinion
Alexander Ivanovich
Financial expert
Important: the system automatically sets the payment amount based on the monthly spending of users.
The owner of a SIM card can independently set the amount of the allowed loan through his personal account. This will allow you to run the option every day, if you remember to repay the debt on time.
In what ways can you pay off debt?
Since our main task is to figure out how to repay the debt on the promised payment, we will consider the methods that borrowers can use.
If you use the service to repay a loan, you do not need to go to the provider’s office. All that is required of you is to deposit the required amount of funds into your mobile phone balance so that the mobile operator can write off what is owed to it:
- borrowed funds;
- reward for loyalty.
To replenish you can use any of the possible ways. It is advisable to take care of depositing amounts a little ahead of time, because practice shows that many users forget about their credit obligations when it comes to small amounts.
Expert opinion
Alexander Ivanovich
Financial expert
Important: it’s better to check your mobile phone balance once again to make sure that you don’t owe anything.
How to pay for the “Promised Payment” of MTS from the terminal?
Before proceeding to pay at a self-service device, check how much you owe to the mobile operator. Add to it what you need to pay for the service and don’t forget about funds for yourself so that you don’t have to borrow again.
To repay a loan through the terminal, proceed as follows:
- Find the device.
- Select payment for communication services from the menu.
- Find MTS.
- Enter the numbers of the number to be replenished.
- Enter the amount to be credited.
- Place banknotes in the special window.
- You complete the operation.
It's even easier to pay off debt using your phone. This method is very simple and works flawlessly. You can transfer funds from another SIM card or use a card from one of the Russian banks.
other methods
In addition to the methods mentioned above, there are other ways to pay off debt. This:
- mobile banking;
- Internet banking;
- e-wallet platform;
- sites that allow you to make various types of payments.
As an example, here is the algorithm for paying from a virtual wallet:
- Log in to your wallet.
- Check whether the account has the required amount of funds to repay the loan.
- Go to the “Payments” section or similar. Names may differ between services.
- Select the section “Mobile phone replenishment.
- Specify the provider, number, amount.
- Confirm the actions.
Self-service terminals
It is immediately necessary to clarify that the operation is supported by MTS or SMS-Bank ATMs.
To withdraw cash, you must follow these steps:
- Send a message RUB amount to number 3232;
- Send a response SMS notification with any text, except for the number 0;
- Wait for the request to be processed and a notification with a transaction PIN code by which you can withdraw money.
After this, you need to go to the nearest ATM, insert a bank card into the terminal and go to the CASH FROM PHONE BALANCE section.
Please note that you can cash out no more than 5,000 rubles per day, the average monthly limit is 40,000 rubles. The commission for such operations is set at 5.95% of the withdrawal amount.
Results and conclusions
Each method is good in its own way and has its own advantages and disadvantages. Determine the simplest one for yourself and follow the instructions.
Often, no commission is charged, but it is recommended to carefully read messages and tips on the official website.
Please note that the MTS personal account allows you not only to transfer money from one number to another, but also to top up your balance using bank cards or electronic payment systems.
If you have any questions, please contact the support service toll-free number 0890 - the MTS hotline operates around the clock and company specialists will help solve any difficulties with translation.
How to withdraw money from an MTS account? All available options
How to withdraw money from MTS? At first glance, the question is meaningless, because subscribers usually top up their personal accounts in order to use cellular services.
This is not entirely true. Firstly, withdrawal of money may be required if the subscriber plans to refuse further use of the MTS SIM card. Secondly, many microfinance organizations issue loans using mobile phone balances.
In these situations, the subscriber is faced with the question of cashing out funds, and we will tell you how this can be done.
Using USSD command
You can also send money from your phone using the short USSD command. It is dialed like a regular phone number, using numbers and the symbols * and #. To
conduct a transaction, dial:
- “*611*ХХХХХХХХХХХХХХХ*999# «
- Press the call button.
In this combination of numbers, the code “ 611 ” is a service command. Next comes the card number and, after an asterisk, the transfer amount in rubles . Using short USSD commands, a subscriber can not only send a transfer to a Sberbank card, but also top up a mobile phone account. The peculiarity of these two methods is:
- No internet connection required.
- You can perform actions from any phone (not necessarily a smartphone), even from a regular push-button phone.
Possible problems and their solutions
People may have a number of difficulties when using a trust payment. For example, it will not be possible to repay it when replenishing the balance. This happens if a person has topped up his account with an insufficient amount. Therefore, it is recommended to deposit more funds than required.
If everything was done correctly, but the problem remains, it is recommended to contact support. MTS employees will help you understand the issue and tell you what to do. Sometimes difficulties can arise due to a system error, but more often than not, the problems are caused by the person himself.
How many days is the service activated for?
The advance period is given for 3 days
, and the more the client uses MTS services, the greater the amount of credit he can receive into his account.
If monthly expenses are from 300 rubles, then the amount for which you can send a request increases to 200 rubles. From 300 to 500 expenses - 400 rubles in advance, from 500 money spent by the client - up to 800 rubles can be loaned. When a client spends more than 500 rubles, he can take out a second replenishment of debt before the first one is repaid.
Of course, there is a fee that is charged for using the advance payment. If there is no commission up to 20 rubles, from 20 it will be 5 rubles, and from 30 to 100 rubles it will be 7 rubles. The greater the amount of such replenishment, the greater the commission. If you make an advance payment of 500 rubles, it will be 50 rubles for using telecommunications on credit.
How to check the availability and balance of a service?
The operator offers two verification methods:
- Personal Area. The subscriber will need to select the “Promised payment” section in the “Payment” block, and then check the information in the “History of promised payments” item.
- Sending USSD command *111*123#.
If the debt was repaid in full and within three days, then the subscriber should not have any problems. If there are still controversial issues, then you should contact our consultants at 8-800-250-0890.
That's all, we have described in detail all the available information on this topic - good luck using it!
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How to deactivate the service
- To disable the service, you must call the MTS 24-hour support service number 0890 and use the instructions in the voice menu. If problems arise, you should contact your operator.
- You can visit the nearby MTS office. Employees will help resolve the issue of disabling the service. You just need to take your passport with you.
- It is also possible to deactivate the “promised payment” by using the “Internet assistant” function on the MTS Internet resource in the “Connecting and deactivating services” subsection.
It happens that you run out of money on your phone, but you need to call. It is in this case that you can take the promised payment, which will help quickly resolve payment problems. Of course, some are afraid to use such a service, especially older people. They worry that they may remain in debt to the company and think that they will face high interest rates.
However, this is not the case, and young people who are more daring in their actions constantly take the opportunity to borrow 100th communication services. This allows them to stay connected wherever they need it. In order not to forget the combination of numbers, it is better to write it down in a notebook or phone, otherwise only those who use this service themselves can help.
Established restrictions (limits) on transfers
Regardless of which card you send the transfer to, the MTS system will issue a limit on the maximum transaction amount. According to the offer agreement posted on the mobile operator’s website:
- The lower transfer threshold is set at 50 rubles.
- The upper limit for one transaction is 15,000 rubles at a time, and no more than 60,000 rubles per day.
- The maximum amount of total monthly transfers is 120,000 rubles.
The full terms of the offer agreement can be viewed at: https://payment.mts.ru/transfer/CardToCard.
Alternatives
Even with a negative balance, your SIM card is not blocked and you can freely use free services. You can easily get by with them until you can deposit money into your account. The most popular function is sending a free SMS message asking to call back. To do this, dial the combination *110*number# and press the call button. The subscriber will receive a notification that you want to contact him. If your account is negative, then when you try to call, the robot will inform you about the service, and you can send the same message.
A similar service is a request to top up your account. To do this, dial the combination *116*number# and press the call button. If your account balance is negative, you can also send such a message when calling.
The function of calling at someone else's expense to a mobile MTS has been implemented. It works like an incoming call. This can be done by dialing the special number 0880 and following the instructions of the informant.
The most convenient alternative is to enable automatic payment. It allows you to maintain your score so that it does not drop below the selected level. You can activate this service in your personal account.
How to transfer money via SMS
You can transfer money to your phone using a text message to number 6996. To do this, select the payee in the phone book or dial his number manually and send him an SMS in the following format: #transfer.
After submitting your request, your phone will receive a text message from number 6996 with further instructions to confirm the transfer.
After successful confirmation, you will receive an SMS notification that money has been debited from your account.
For a mobile transfer to an MTS number, a commission of 10 rubles is charged, regardless of the payment amount. If you decide to transfer money from MTS to subscribers of Beeline, Megafon, Rostelecom, SkyLink, Yota or Tele2, the commission will be calculated as follows - 4% + 10 rubles.
The cost of sending SMS is according to current tariffs.
The minimum payment amount is 10 rubles, the maximum is 5,000 rubles, you are allowed to transfer money no more than 10 times a day.
To which Sberbank cards can transfers from MTS be made?
Mobile telesystems (MTS) clients have access to the function of transferring money to Sberbank plastic cards. This operation can be useful if you don't have enough money on your own debit card. Or the subscriber will need to transfer money from the mobile operator’s account to the card of a relative, friend or colleague.
The card must work in the Visa, MasterCard, or MIR payment system. It does not matter whether it is debit or credit. The restrictions apply specifically to the servicing system. The transaction fee may vary depending on the size of the transfer amount.
Terms of service
Both in the Russian Federation and in the Republic of Belarus, users who wish to use the “Promised payment” option must meet certain conditions:
- absence of debts both on the number to which the loan will be made and on other client numbers;
- The SIM card was activated more than 3 months ago;
- “Your Country”, “Guest” and “MTS iPad” tariffs are not used;
- The “On full trust” or “Credit” options are not running;
- balance minus more than 30.00 rubles.
Expert opinion
Alexander Ivanovich
Financial expert
Important: if you fully comply with the connection conditions, but for some reason cannot take out a loan, contact the operator’s support service.
The right to call in the absence of funds is given to most clients. If you want to be able to use it regularly, do not forget to pay off your debt on time.
Why can’t I take the promised payment on MTS?
How to find out how much is left to pay on the promised payment?
To avoid confusion with your balance when using the described option, regularly check how much you have left to pay to the operator. You can find out whether the service is connected and what the debt is in the following ways:
- In the Internet Assistant service. To use it, you need to go to the “Payment” section and select the appropriate one.
- Dial the answering machine number 11131. The robot will dictate how much you need to pay.
- Send USSD request *111*1230#. A message will be sent shortly with the necessary information.
