MTS smart money card - what is it, how much does it cost and conditions in 2021

MTS Smart Money Card - what is it, how much does it cost?

MTS has created its own bank. This is a financial institution that has a number of advantages:

• It is highly reliable.
• Provides a wide range of services.
• Offers attractive conditions.
• You will be able to fully use various bank products.
• The organization expands opportunities for subscribers.
• It offers a convenient application for future use.
• The bank has a good reputation.

The MTS Smart Money card is an organization’s debit product with preferential services and additional privileges.

Using your personal account

Having found out what an MTS “Smart” card is, you can safely order it, since the mts.ru website offers users access to a personal account where they can control operations and manage their transactions.

If the carrier is lost or there is a desire to terminate the agreement with the bank, the account must be blocked.
This can be done in any department when contacting a consultant. Do not forget to take your passport, and you will have to write a corresponding application on the spot. If our article helped you, please like it!

How to get free mobile communications with an MTS Smart Money card?

Customers who have issued a card can receive a 100% discount on the monthly fee using the linked number. The following tariff plans participate in the promotion:

1. All programs from the Smart line.
2. My Unlimited.
3. Hype.
4. For tablet.

To receive a discount, you must fulfill a number of conditions:

• You must make monthly purchases for the amount specified by the operator.
• There must be a certain minimum balance left on the account.

The table shows the minimum balance and the amount of purchases made per month using the card:

If the client was unable to fulfill these conditions, then he does not take part in the promotion. As you can see, this generous offer was not without its nuances.

Conditions for receiving a 100% discount on payments for MTS mobile communications

To receive a 100% discount, any of the conditions must be met: either you spend/transfer more funds than indicated in the “Amount of transactions per month” column, or keep more than the minimum balance in your account.

On the one hand, it doesn’t seem that difficult to fulfill one of the conditions, on the other hand, I don’t really like the size of the commissions. And MTS Bank doesn’t have many ATMs. I myself have been an MTS subscriber for almost ten years, but I don’t plan to receive a card. For me, “the game is not worth the candle.”

Benefits and features

The MTS Smart Money card has a number of advantages:

1. This is a standard bank plastic card that can be used to pay online and in regular stores.
2. The service is free for MTS clients.
3. They will also not have to pay for SMS notifications.
4. Additional services are provided - online banking, mobile banking, proprietary program.
5. You can take advantage of an interest-free loan period of 51 days.
6. The credit limit is determined individually and is up to 300 thousand rubles.
7. You can use services for contactless payments, they will save you time.
8. Additional privileges are provided for VISA card holders.

What is she like?

MTS Smart Money is a Visa card. It has a nice design in the colors of the company itself. But in addition to a pleasant design, it has strong internal equipment. This bank card gives you the right not to pay a subscription fee in all types of the Smart tariff or the “MTS Tablet” . The owner can enable SMS notifications about all operations performed with it. 199 rubles for the issue other services are free. How to activate this service? To activate, you just need to take two simple steps: register and start using it by making your first purchase. The card is active as long as a certain amount is kept in the account and purchases are made every month. While it is activated, free use of the services of the tariff plan remains.

Important: for subscribers of Smart and MTS Tablet , the monthly amount of expenses should not be less than 10 thousand rubles , and the balance on the card should not be less than 50 thousand rubles; for subscribers of Smart Nonstop and Smart Unlimited , the monthly amount should not fall below 20 thousand rubles, the minimum balance should not fall below 70 thousand rubles; for subscribers of the Smart + tariff, the number of monthly purchases and the minimum balance should not fall below 30 thousand rubles and 100 thousand rubles , respectively.

Compliance with these conditions is checked on the last day of each month. If the conditions are met correctly, the cardholder receives a 100% discount on the services of his tariff plan, which lasts a month until the upcoming check. Compliance with the conditions on a monthly basis is not necessary; the discount can be provided in any month.

MTS Money Smart card – conditions

Are you interested in the conditions for the MTS Smart Money card? Let's study the main parameters for this product:

• Registration fee – 199 rubles.
• Service fee – 0 rubles for company subscribers.
• For other clients – 99 rubles/month.
• SMS info is free for operator subscribers.
• Withdrawals from MTS Bank ATMs – 0%.
• Commission at the institution's cash desks is 0.5%.
• In branches and ATMs of other banks - 1%, but not less than 100 rubles.
• Transfers between cards – 0%.
• Sending funds to an account at another institution – 1%.

Customer Reviews

Let's look at the reviews about the MTS Smart credit and debit card:

Andrey, Rostov-on-Don. I use the card as a regular credit card, I do not strive to receive a discount on communications. Overall, I’m happy with everything except the cash withdrawal fee (too expensive). I think it’s possible to give some kind of bonuses for timely return of money and active use of the card. Recommended, but not for regular use, I think you can find better conditions.

Irina, Moscow. I signed up for a debit card just for the free use of communications, because it costs quite a lot of money per month, considering my work. Constantly on the phone, sometimes even long-distance calls. In this case, the card helps out; you just need to spend 20 thousand rubles. I recommend it for regular use, because there is no annual maintenance.

Nikita, Novosibirsk. I don't like credit cards because they are a bottomless swamp from which it is impossible to climb out. To save money, I signed up for a debit card from MTS Bank, because the ATM was near my house, and then I got involved. Everyday expenses on food and utilities save me 500 rubles a month on communications. Convenient enough. Otherwise, the card is not impressive; there are no additional “goodies”.

How to use the Smart Money card?

We list the options for using the card:

• Shopping in any stores.
• Payment by phone.
• You can make purchases on online platforms.
• Withdraw money without fees from institution ATMs.
• Receive transaction data via SMS.
• Use the AutoPay service to automatically pay for various services.
• Visit your personal account to manage your account.
• Download the application to your smartphone.

The universal MTS Smart Money card is a modern product. It is in no way inferior to offers from other banks and will be truly useful for clients.

Conditions

The bank calls its card universal. Indeed, it is like this - you can order a debit or credit card. Both types allow you to get a 100% discount on communications.

The recipient of the card can be an adult citizen of Russia no older than 70 years. Key characteristics of the credit card:

• limit – 300 thousand rubles;
• rate 24.9–27%;
• issue – 199 rubles;
• service – 99 rubles per month, for MTS subscribers – 0 rubles;
• minimum required payment (MOP) – 5% of the debt amount, min. 100 rubles;
• additional card – no;
• reissue – 0. If the card is reissued at the request of the holder, then you need to pay 199 rubles;
• payment system – Mastercard Platinum.

The grace period lasts 51 days. All this time you can use the loan and not pay interest. It starts on the 1st of each month and ends on the 20th of the following month.

When the client pays off the entire debt by the end of the grace period, no other payments need to be made to the loan account. If he decides not to repay the debt in full, then in order for penalties not to be applied to him, he must pay:

• MOP;
• interest for the previous period.

For example, a client spent 30,000 rubles in supermarkets or online stores in September and decided not to pay the entire amount of the debt, but only the minimum payment. To prevent delays, he must deposit 5% of 30 thousand - 1.5 thousand rubles into the account by October 20.

In October, he makes purchases again, for example, in the amount of 10 thousand rubles. Then, by November 20, he must replenish the credit account by 10,000 * 5% = 500 rubles plus interest for the previous period, that is, for September - 30 thousand * 27% = 8,100 rubles.

How to apply for an MTS Smart Money card?

How to apply for a card? You will need:

• Visit your nearest MTS office.
• Contact staff for help.
• Provide a passport.
• Sign an agreement with the company.
• The entire registration procedure takes about 15 minutes.

You received the card, but how do you find out the PIN code for it? Necessary:

1. Call the number.
2. Press button 3 in the menu.
3. Select item 1.
4. Enter the control code received via SMS after registration.
5. Select the appropriate PIN to link to the card.

Grace period

Knowing the time of the grace period, it remains to understand the procedure for calculating it. This will avoid overpaying for the use of borrowed funds. Moreover, the financial institution approached the calculation of the time during which it is not required to pay interest in a creative way:

• The interest-free period is always counted from the 1st day of the calendar month;
• the starting month coincides with the month the purchase was made;
• benefits disappear on the 22nd day of the next calendar month.

Consequently, 51 days will be available only to those people who make a purchase at the beginning of the month. For others, the interest-free period will be noticeably shorter (sometimes 3 weeks).

MTS Smart Money card: what's the catch?

Many people are constantly looking for pitfalls and perceive all banking products as a scam. Of course, there were some nuances, including:

• Free service is provided exclusively to the operator's subscribers.
• According to the promotion, the company only covers the subscription fee according to the tariff.
• To get a discount, you need to spend a certain amount per month and maintain a minimum balance.
• Additional fees apply to replenishment.
• The credit limit is determined individually. It’s not a fact that you can get the maximum 300 thousand rubles.
• The cost of issuing a card is 199 rubles. At this time, many banks provide it free of charge.

Credit Smart

To receive it, you need to submit an application on the official website mtsbank.ru or at MTS Bank branches, and indicate the desired credit limit. Maximum - 300 thousand rubles. The limit is assigned individually to each client after consideration of the application by a representative of the Bank. The Smart card has an interest-free grace period of up to 51 days. If the user does not have time to repay the debt during the grace period, then he will have to pay interest - from 25 to 30% per annum (also set individually for each client).

It is very important to monitor your account and not miss the minimum payment, because in this case a fine of 500 rubles will be charged and then 0.1% of the amount owed for each day of delay.

When using the card as a credit card, you need to remember the fees charged for cash withdrawals and wire transfers.

The fee for withdrawing cash from credit funds is the same for any ATM and is 3.9% + 350 rubles. Non-cash transfers of credit money from a Smart card to other accounts and cards will cost the same, provided that the transfer is carried out using MTS Bank devices and self-service systems.

All user questions are standard for MTS Bank cards and are covered in more detail in the article about the Weekend Money credit card.

Answers to common questions

How is this product different from others?

The key feature is the opportunity to receive a discount on payment for mobile communication services when actively using the card.

Where can I withdraw money from my account without commission?

At the institution's own ATMs. On the page https://www.mtsbank.ru/about/atms/ you can find a map of self-service devices.

What are the conditions for issuing the card?

The client must reach the age of majority, have Russian citizenship, registration in any subject of the Federation, and provide a passport.

MTS Bank offers mobile communications for free, but...

Smart means “intelligent” in English. Indeed, in order to successfully use the MTS Smart Money card, you should think through every detail, from the advantages of simple and quick registration to the amount of spending or minimum balance amounts. Failure to comply with these important conditions will result in the card becoming an ineffective payment instrument. And, perhaps, unprofitable.

"MTS Smart Money" is a premium debit product of the Visa Platinum payment system. The card technology supports contactless payments, the plastic is equipped with a PayWave chip. An instant card; to receive it, you only need to be over 18 years old and provide a passport or other identification document.

Registration will cost 199 rubles and takes place at the MTS Bank office or at an MTS salon. The procedure takes 10-15 minutes. You must first connect or switch to one of the tariff plans of the MTS operator: Smart, Smart Nonstop, Smart Plus, Smart Unlimited, Smart Zabugorishche. Or connect the MTS Tablet option.

The maximum benefits of the card are:

• free service;
• free communication services and Internet from the MTS operator;
• free SMS information;
• Cash withdrawal from MTS Bank ATMs without commission.

It is possible to receive all these advantages from the MTS Smart Money card only if you comply with the requirements established by MTS Bank. At a minimum, this is either maintaining a minimum balance or the amount of minimum spending on purchases with the card for one month. Specific conditions depend on which MTS operator tariff the cardholder uses.

Conditions for receiving free communication

The holder of the MTS Smart Money card will receive a 100% discount on payment according to the tariff of the mobile operator, subject to one of the following conditions (or/or):

The billing period is equal to one month and includes the period from the last day of the previous month to the penultimate day of the current month. For example, from July 31 to August 30 or from September 30 to October 30. Payment for purchases in the last month is already included in the next billing period, that is, purchases made on October 31 will be included in the period from October 31 to November 29.

If the item is returned, the reward amount will be cancelled. If it has already been taken into account and free communication has been received, then next month the bank will increase the amount of the required minimum turnover on the card by the amount of the return transaction.

The calculation of minimum purchases includes non-cash payment for goods or services. But the following operations are not taken into account:

• cash withdrawals and operations equivalent to them, for example, transfer to an electronic wallet, purchase of precious metals or securities;
• payments in casinos, gambling establishments;
• transfers to other banks or to other cards/accounts;
• payment of government services, taxes, fines, fees;
• payments in favor of organizations whose activities cannot be classified. In particular, customers note that payments to com were not included.

If more than two purchases are made at one retail outlet within one calendar day, the third and subsequent transactions are not taken into account.

Otherwise, if at least one of the criteria for the minimum account balance or spending volume is met, a set of free services from MTS will become available in the next month after the billing month. To understand how profitable this offer is, you need to compare the requirements for free service with the subscription fee according to the tariffs, for example, for the Moscow region:

Simple mathematics allows us to calculate that according to the Smart tariff, savings, and essentially cashback in kind, will be 5% of the amount spent, and according to the Smart tariff MTS Tablet and Unlimited - 5.5%. Other offers on the MTS Smart Money card are even less, for example, Smart Plus is only 3% per month. Depending on the region of service of the MTS operator, the return on this card will be 2.5% to 5%.

Compared to bank offers for cashback on the amount of purchases (1% on average), this looks good. On the other hand, alternative bank cards with cashback make it possible to use the rewards received more widely. Since this is often either “real” money or bonuses that can be used for purchases or discounts from numerous bank partners.

And with the MTS Smart Money card, cashback only covers fees for mobile services. Plus requirements for a minimum turnover or account balance, which is not established for all cards that have a cashback function.

If we consider the MTS Smart Money card as profitable, that is, take the opportunity to receive free communications as a percentage of the account balance, then the annual rate will range from 9% to 12% per year.

However, even assuming that from the point of view of cashback or profitability, the MTS Smart Money card is profitable, it is still worth noting that some market specialists were skeptical about it.

In particular, Konstantin Prokshin from Tele2 is confident that the card carries hidden conditions that will not allow the holder to appreciate all its advantages.

Another expert, head of the wireless technologies department at J'son & Partners Consulting, Vitaly Solonin, shares a similar opinion.

Whether this will become clear after reviewing the tariff for the MTS Smart Money card.

Top up your card account

To replenish an MTS card account, the bank has identified several methods, including free ones:

• from a third-party bank card through MTS Bank remote servicing services. If the amount is more than 5,000 rubles, the operation is carried out without commission;
• in MTS showrooms. The daily limit is 100 thousand rubles, the monthly limit is 1 million rubles;
• at MTS Bank cash desks;
• at ATMs that accept cash;
• through terminals: Qiwi, TelePay, Comepay, Eleksnet, Cyberplat;
• through payment services Rapid and Zolotaya Korona;
• from an account in any bank in the Russian Federation.

Site Review

Any self-respecting organization has its own website. The MTS Bank organization not only keeps up with other banks, but has even been able to get ahead of them in many ways.

Having a website is necessary both for the bank itself to reduce the workload of employees, and for its clients for the convenience and efficiency of obtaining the necessary information. www.mts-banker.ru is the address of the official website of MTS Bank.

Site's home page

It is worth noting that the MTS Bank website has been repeatedly awarded for success in the field of design and functionality. Twice it was awarded the title of “Golden Site”. This competition recognized the merits of the creators of the Internet project. Has an award for the best design “Business Website Design”.

Here you can find all the data on the services offered, divided into certain categories. No need to waste time looking for what you need. The menu tab has sections and subsections that will take you to the desired page with information.

Services offered

The only downside to the site is the transition from one page to another. We have to wait. A message appears on the screen asking you to wait. But it doesn't take much time. In the near future, perhaps this problem will be solved.

The main page gives visitors the opportunity to immediately go to the Internet bank or directly contact the organization’s employees. The buttons are located in the upper right corner of the main page. In the feedback form, you can write a letter to the bank or call via Internet connection.

It is possible to contact customer support to clarify the unclear situation. Calls are available from any city and region of the Russian Federation. There is also a separate “fraud” button, by clicking on which you can send information about observed cases of fraudulent activities by individuals.

Below is a calculator for calculating the expected loan and the ability to fill out an online application for the loan product or deposit that suits you. All information presented on the site is completely understandable and presented in a form accessible to the client.

Credit application

You can fill out an application for the selected loan product on the bank’s website by calculating the monthly payments using the calculator. Or you can type the address app.mts-banker.ru in a search engine.

You can apply for a deposit or loan from this page Selecting which loan application to send to MTS Bank

To obtain initial approval from the bank, you do not need to enter a lot of data that is required to draw up a loan agreement.

• How to register a personal MTS Bank account?

First, you need to select the loan you want to apply for. Then enter the amount that is needed, with a loan closing period that is convenient for you.

Next, enter your full name and leave your contact information. At the bottom of the application, be sure to check the box indicating that you agree to the terms and conditions for the processing of your personal data.

Now you can send your application to the bank. Within a certain time, depending on the selected loan product, an MTS Bank employee will contact you and inform you of a preliminary decision. If the bank's decision is positive, a meeting will be scheduled at the office.

It is important to know! The borrower's age must not be older than 60 or younger than 18 years. Residence in the Russian Federation with registration is required. Work experience is important, which must be at least three months.

Internet banking capabilities

The most popular and in demand are:

• 24/7 quick access to the necessary information about your account status;
• replenishing the balance from the accounts of other MTS Bank cards or paying interest;
• loan payment (it is possible to activate automatic mode);
• making payments or paying for goods;
• the ability to quickly block in case of loss or theft;
• direct communication with bank specialists to resolve any issues that arise;
• constant reliable information about new services and promotions of MTS Bank.