Loan money to a card from Beeline: features of the service

Beeline is one of the leading cellular operators in Russia. It gained its popularity due to its convenience, accessibility and many useful options. One of the new offers from Beeline is a loan on a card. This is an opportunity to obtain a loan on favorable terms in order to take advantage of all the benefits of the tariff plan even if there are no funds in your personal account.

Conditions

The cash loan is provided by a microcredit partner of the Beeline brand, which operates in Russia under the SIMPLY brand. Credit 24" since 2014.

No guarantors, security or additional certificates are required. There are no hidden fees or charges.

To register, the phone number must be active, and the client must link his bank card to it. Loans are transferred only to the borrower’s bank card.

Over time, other MFO partners will be added.

Design methods

Financial problems often arise unexpectedly for people. Consumer loans are issued when you visit an MFO office or a microfinance organization service point on the territory of a trading partner.

If you require cash, money to a bank card or e-wallet, the easiest way is to apply online.

It has become possible to draw up a loan agreement for Beeline users starting in 2021 through the operator’s website.

The client is identified by mobile phone number and information from the telecom operator’s database.

The borrower gives consent to this by entering his phone number and code into a special window on the loan page of the site. The code arrives instantly via SMS, which is sent to the client’s entered phone number.

Customer Reviews

Boris, Moscow : “The questionnaire is short and simple, the money came to the Beeline card instantly. I returned it ahead of schedule, and they even recalculated the percentage. Thank you, I’m pleased, I’ll come back again!”

Anna, Volgograd : “I didn’t even think that I would ever take out a loan from an MFO. But here you have to pay the loan, there is no one to intercept it from, and your salary is delayed. Out of desperation I decided to take a risk. They gave 10 thousand without any problems, returned it after 2 days, so there was practically no overpayment. Now I know that there is nothing wrong with microfinance organizations.”

Alexander, Samara : “This is not the first time I have taken out loans, mainly on a Beeline card. Of course, the percentage is higher than in banks, but everything suits me. It’s easy to take, easy to give, no certificates, calls to relatives, reports on where I want to spend.”

Offers

More than 2,400 microfinance companies operate in the Russian borrowing market. To better study the offer from Beeline, we will add to the comparative table the offers of other microfinance organizations that also operate online and issue funds by transfer to a bank card.

Characteristics of MFO products:

As you can see, the first row of the table is in many ways similar to the offers of other microfinance organizations. The largest amounts and duration of the loan repayment period are from the MFO "Moneza".

Do you want to know under what conditions you can get a quick cash loan using your passport on the day of application without certificates? Then we recommend following the link and reading the article. If you are looking for offers with the help of which you can take out a loan from a private person against receipt urgently without prepayment, then we advise you to follow the link.

Features of obtaining a loan

A loan from Beeline can be obtained in different amounts, even for a phone, depending on a person’s needs. At the same time, a lot depends on the bank that agreed to issue money through Beeline.

This mobile operator also has the opportunity to issue a bank card, which will act like a regular one, and you can also connect a credit limit to it.

The set of documents and certificates also varies depending on the bank that provides the loan, and you need to know under what conditions you can get a loan from Beeline’s three main partners.

How can I connect (ruru ru zm)

To get a bank loan through Beeline, you first need to order a card with a credit limit.

Next, you need to provide the documents required by the bank and request a certain limit that the client requires.

After this, the bank examines the documents and makes a decision on setting a limit on the card or refusing it.

Then you can use the credit limit at your discretion at any time, remembering to make regular payments to avoid penalties.

In the case of , a Beeline loan is taken using a different method. The fact is that some goods or services can be paid from a Beeline account, and if, when you try to pay, it turns out that there are not enough funds, you will receive an SMS with an offer to receive an instant loan for the required amount.

To agree to a microloan, the maximum amount of which is limited to 2 thousand rubles, you only need to respond to the SMS message, after which the required amount will be credited and the service paid.

To return the loan back, you only need to top up your account with the amount owed, after which the loan will be available again.

What to do if the balance is 0

The case of paying for services and goods by receiving a microloan on a mobile account has already been considered. But what to do when you don’t even have money to make a call, and you can’t stay without communication?

To do this, Beeline offers a service called “Trust Payment”, which involves a loan to a mobile account from Beeline for the ability to make calls.

To activate the service, you must be a Beeline client for at least 2 months, and the loan amount is calculated depending on the form of interaction between the client and the operator.

Photo: Trust payment service

For example, for subscribers with daily payment, the amount will be calculated depending on the level of their spending.

When spending from 50 to 70 rubles per day, the amount of 30 rubles will be issued, and if spending exceeds 70 rubles, then the microloan increases to 500 rubles.

In the case of monthly payment, the loan will be issued in the amount of the monthly subscription fee, while a certain fixed amount will be charged for using the loan.

To activate this service, it will be enough to dial the combination *141#, after which the money will be available.

Terms of service

To get a loan on a Beeline card, you must meet certain requirements of specific banks cooperating with the operator.

Thus, cooperation is ongoing with Alfa-Bank and Tinkoff Bank, of which the least troublesome loan application will be at Tinkoff.

How to properly fill out a loan of 15,000 rubles on a card, see the article: loan for 15,000 rubles. Read about the features of a 5 Plus loan here.

To get it here, you only need to be age-appropriate, have a phone number and be registered in Russia.

Alfa-Bank is more demanding and, in addition to more stringent age requirements, also stipulates the need for length of service, a certain level of income and even a landline telephone number.

At the same time, a loan from Beeline can only be issued using their card, which, moreover, is not insured against loss of funds.

That is, if an error occurs and funds disappear from the card, they will not be reimbursed by the company.

Rules for issuing a loan on a Beeline card

To get a loan from Beeline, you must first of all have a means of payment issued at one of the company’s offices.

You also need a confirmed credit limit from one of the banks, issued based on a specific package of documents and the client’s needs.

But borrowed funds from a mobile account can also be transferred to a bank card of any bank; for this, various payment services are used that charge a hefty commission for this type of card replenishment.

Since the card is used not only as a credit, but also as a debit, there are proposals for charging interest on the balance, which depends on the amounts available on the card and the standard amount is 4%.

To become a Beeline client, receive a card and set a credit limit, you must be a citizen of the Russian Federation, have registration in the country and have reached the age of majority.

These requirements are also found in other credit institutions and when receiving other services in many companies.

Compliance with them will help the company avoid financial losses in the future and confirms that a person can manage his own money and rights and is fully aware of the consequences of decisions.

How to fill out an online application correctly

The card is issued on the basis of an application, which involves setting a credit limit. It can be filled out both on the company’s website and in one of the network’s offices.

There are no special fields in the application, and in general it is similar to what is filled out in any microfinance organization or numerous stores.

The application must include the following information:

• Full name (an option is provided for clients who do not have a middle name);
• Mobile phone number;
• E-mail address.

After filling out the fields, you must check the box to agree to the data processing carried out by Beeline and wait for a call from the manager.

After processing the application, a place for receiving the card will be agreed upon in a telephone conversation, which can be either at the company’s office or via courier delivery to your home. Another option is to send the card using Russian Post.

After issuing a card, you can embed a chip into it with the possibility of contactless payments, but payment from a mobile application is also available using the NFC chip built into the phone.

To do this, download the Beeline application and log into your personal account. In it you can control your account, pay for all kinds of services and goods, plan expenses and much more. You can also set up payment from your phone.

To phone

Beeline clients, if there is no or small balance of money on their mobile phone account, can receive a small amount from the operator to make urgent calls.

The term for returning borrowed funds is three days. After the specified period, the program will automatically withdraw the borrowed amount from the cell phone balance on the 5th day after the transfer of funds.

If the balance goes into minus, the phone will become inactive. This will require urgent replenishment of funds.

You can also receive it automatically when your account reaches a certain minimum amount. The amount of finance that can be borrowed for 3 days depends on how much money the subscriber spends on communications per month.

Expenses up to 50 rubles per month – the service is not activated. After 5 days, the unused portion of the loan amount “burns out.”

Costs for calls, Internet, TV and other things are higher - the amount is set by the operator:

Monthly communication costs for a three-month period. also available in roaming.

Features of RU RU loan

• there is no need to provide any documents;
• no guarantors or collateral required;
• There is no need to visit the office and sign an agreement;
• funds are transferred instantly.

Such a microloan is very convenient when you urgently need to make a payment, but you don’t have enough money.

Using borrowed funds on the RU RU payment service you can pay for:

• fines, taxes;
• air tickets;
• communal payments;
• purchases in computer games
• movie tickets;
• other goods and services.

The disadvantage of a RU RU loan is the fixed commission amount - 25%, which does not decrease if the debt is repaid early. However, since only this fee is charged for using the loan, the borrower always knows the exact amount of money that will need to be repaid later.

Loans from mobile operators, of course, are no longer news. All active mobile phone users, at least once in their lives, have found themselves in a situation where the money on their balance runs out and they need to make a call. And in the arsenal of each cellular operator there was a suitable service that allows you to call “on credit”. For Beeline it is “Trust Payment”, for MTS, TELE2 and Megafon it is “Promised Payment”. Also, some operators allow you to “go into the minus”, for example, MTS provides a free one that allows you to go into the minus by as much as 300 rubles. These types of “loans” from mobile operators will not surprise anyone...

Requirements

Beeline imposes the same requirements on borrowers as its partner MCC Your Success LLC.

The criteria for a positive response to a client’s application are as follows:

1. Age over 21 years.
2. Russian citizen.
3. Full legal capacity.
4. Permanent registration in the territory of one of the regions of the Russian Federation.

Presentation of a passport is not required, since its scanned copy is already in the Beeline database from the time the SIM card was issued.

Upon successful repayment of the loan, the client can apply for other products on the website of the brand “Simply! Credit 24" if you live and work in the region served by the microcredit company.

Read the operating rules of the mentioned organization here.

Documentation

From the documentation, it will be enough for the client to sign a loan agreement, having previously read the rules and conditions of working with clients of the microcredit company.

Agree to the use of an electronic analogue of the borrower’s personal signature. Under the loan agreement, the client signs consent to communicate with organizations that are intermediaries between the mobile operator and microfinance organizations.

"Just! Credit", in addition to a Russian passport, in some cases may request:

• SNILS;
• pensioner's or driver's license;
• vehicle registration certificate;
• TIN;
• military ID;
• passport for traveling abroad.

Actions if your phone balance is zero

There are times when, in a hurry, in the rapid flow of events in modern life, you forget to pay for the necessary services. One of the most necessary things today is cellular communication. Forgetfulness and untimely deposit of funds into a personal account can lead to blocking of services, which will somewhat tear the user out of the usual flow of life.

, who cares about the client, has provided several simple actions designed to ensure that the person does not get into an unforeseen situation and always remains in touch.

If suddenly the funds on your mobile account suddenly run out, if there is neither a bank nor a payment terminal in the nearest location - no means to top up the balance, a prudent mobile operator offers the following:

• or use the “Call me” option, which allows a client without funds in his personal account to send a short message to the required number, informing him that it is impossible to make an outgoing call;
• or use the “Trust payment” option, which, on a credit basis, provides the client with the necessary financial resources to make an outgoing call.

Interest rates

Microfinance companies calculate interest rates on loans daily. Most organizations lower interest rates for subsequent loans to loyal customers and also offer an increase in the period for using borrowed funds.

Offers from the microfinance companies under consideration are summarized in tabular form:

For comparison: MFO "Turboloan" has an interest rate of 2.17%.

All MFOs have a system of fines or penalties for improper execution of the loan agreement in case of delay. For example, “Prosto Credit” and “Vivus” charge 0.05% for each day of late payment, and Pay ps - from 0.1 to 0.2% per day.

Read the rules for providing microloans to MFC “Loan Online” here.

How to get on the card

In addition to SIM cards, the Beeline company provides its customers with a debit and credit card; all company cards have the opportunity to accumulate interest and receive cashback.

Find out how to apply for a “Your Money” loan through your personal account. Do you need conditions to get a 911 loan? See here.

To get it you need:

• Fill out an application on the company’s website;
• Debit will be issued immediately;
• Credit, later, as it will take time to approve the loan.

Deadlines

The conditions and rules for issuing loans from microfinance companies are quite difficult to comply with, with the amount of interest rapidly increasing. In this regard, Beeline does not propose concluding a loan agreement for a long term.

The standard offer from partner organizations is announced for a repayment period of 7 to 30 days.

Let's look at the products of Beeline partners in the comparative table:

All organizations allow contract extension, but not for every offer and with different deadlines. For example, Vivus does not offer renewal for the Red product.

Each extension of the repayment period leads to additional costs, but, on the other hand, it protects against fines and lowering the borrower’s credit rating.

Who can take advantage of a microloan from Beeline?

Of course, before using the service provided, you need to familiarize yourself with the conditions and obligations required to be fulfilled by the client. In case of non-compliance with obligations, the mobile operator has the right to unilaterally terminate the agreement and disable the service provided without prior notice.

So, a loan from Beeline, which is provided additionally, is given on the following conditions:

• repayment of funds received through the service is carried out no later than three days from the moment of its activation;
• early repayment is welcome, funds in full can be deposited before the expiration of the required payment period;
• funds spent on operator services over the last three months should not be less than fifty rubles for each month;
• The client must use it continuously for at least two months to obtain the right to use.

According to the cellular company’s standards, there is a direct relationship between the amount of the loan provided by Beeline and the amount of money spent on the company’s services by the direct client over the past three months.

The numbers are as follows:

• a loan of fifty rubles is provided if at least one hundred rubles have been spent in the last three months;
• eighty rubles are issued to those who have spent from one hundred to a thousand rubles on operator services;
• from a thousand to one and a half thousand rubles spent gives the right to qualify for a loan of one hundred rubles;
• two hundred rubles of credit will be received by those who spent from one and a half to three thousand;
• finally, those who spend more than three thousand rubles on calls and other services are provided with a microloan from Beeline in the amount of four hundred and fifty rubles.

These prices are correct when you are in your home region.

For roaming there will be different numbers:

• fifty credits are given for spent funds in the amount of up to three thousand rubles;
• over three thousand rubles of monthly expenses entitle you to a credit of five hundred rubles.

The terms of the loan provided can be obtained by dialing the command “*141*7#” on the device and then making a call. All information will be sent in a response message to the client’s device.

Providing this option also entails debiting funds from your personal account. This must be taken into account when calculating the amount required to be received. As a rule, provision is carried out for fifteen rubles, but this depends on the regional location at a given time.

Payments

In each agreement, microfinance companies describe all possible options for returning borrowed funds. Free methods are indicated separately, without commissions and overpayments. In the event of a gradual return of funds, clients must adhere to the payment schedule.

If it is not fulfilled, penalties and fines are assessed, which reach a value comparable to the volume of the loan itself.

If the client refuses to comply with the rules for using the loan, he will not be able to receive a larger amount or lower the loan rate the next time he applies.

MFOs allow early partial or full loan repayments. To do this, you need to send a corresponding application a few days in advance.

Do you want to know which microfinance organizations issue loans up to 300,000 rubles with a bad credit history? You can get the answer to this question here. You can find out how to get a loan of 500,000 rubles with any credit history from the article.

You can get detailed information about urgent loans up to 100,000 rubles per card using the link provided.

In many ways, the options for repaying obligations are the same for microfinance and microcredit companies.

Let's consider possible options using the example of the MFO “Simply! Credit 24":

• automatic online repayment from a bank card through the MFO website;
• through service points “Zolotaya Korona”, “MTS”, “Beeline” and “Euroset”;
• depositing cash in the Qiwi, Eleksnet and Leader terminal networks;
• by non-cash bank transfer.

When using the first and third options, the payment commission will be zero. According to the latter method, taking into account the duration of transactions between banks - up to 5 days. Electronic payment in the terminal network takes place in a few minutes, as does the transfer of funds on the MFO’s web resource.

With information on cooperation with MFO “Simply! Credit 24" can be found here.

Alternatives to the service

If it is impossible to receive a trust payment in your case or this option is not suitable for some reason, there are other solutions if there is not enough money in the account.

"Always in touch"

This free service will help you write SMS, make calls and use the Internet even with a negative balance. You can choose a convenient limit for “going into the red” – from 200 to 750 rubles. Cannot be used in conjunction with “Trust Payment”.

Call at someone else's expense

The option will help you make calls at the expense of the interlocutor. Dial 05050 + subscriber number (example: 050509126756643).

"Top up my account"

The service will help you send a free message with a request to top up your balance. To activate, dial *143*subscriber number# (example: *143*79066548547#).

"Call me"

Using the option, you can send an SMS requesting a call back. To activate, dial *144*subscriber number# (example: *144*79066548547#). The cost of each request is 3 rubles. The money is written off even if your SIM card balance is in the minus.

Advantages and disadvantages

Positive characteristics include the speed of online registration and round-the-clock availability of funds to a bank card identified by the Beeline operator.

Individuals with a low credit rating can apply for funds from microfinance.

Opportunity to correct your credit history. Possibility of extending the period of validity of loan agreements. Reduced interest rates when applying for the following loans for reliable borrowers.

The main negative of loans from Beeline partners is the high cost of loans (about 800% per annum), large fines for late payments and increased interest rates (for example, for SMSfinans by 0.1% or 0.2%).

How to use ?

In order to connect, which will make it possible to take out a loan from Beeline, you need to use the cellular operator’s commands on your device. The full list of commands is provided on the official website, but we are interested in those that relate to a service that helps in the absence of funds in a personal account.

So, the interaction options are as follows:

1. Connecting the service. The command “*141#” is dialed on the device’s keyboard and a call is made.
2. By using the command “*141*1#” and making a call, you can find out the amount that is available for borrowing on a given personal account.
3. Service ban. If the client does not want to use the service, or wants to limit it on his number, he must use the “0611” command and press the call button.

It is worth considering that the commands used may vary depending on the region where you are located. In order to use the correct combinations, on the official Beeline website you need to select your region of location or stay.

The same manipulations with the service can be carried out at Beeline offices, as well as other necessary actions. Only the person to whom the operator number is registered can add, disable services, or change options. Personal identification may be required with the necessary documents, usually a passport. Naturally, the microloan itself can be obtained from Beeline by personally contacting the operator’s managers at the company’s official representative offices and offices.

If you are not satisfied with personal communication, but also manipulation with teams is not an option, there is another way out. If you have access to the global network, you can use your personal account on the operator’s website, where all services, their connection, disconnection, tariff changes and reference information are also available.