The Megafon operator has released a classic debit bank card linked to a mobile phone account, without a credit limit and with quick processing. To implement the project, a Russian bank was brought in - Bank Round LLC. It issues and services Megafon plastic cards. Tariffs and conditions for cards are set by the operator himself.
The Megafon bank card is issued by the MasterCard payment system. This means that every client of the company can take advantage of all the benefits of this system (including the privileges provided by MasterCard Favorites) anywhere in the world.
How to get and issue a MegaFon bank card
It is enough to contact any operator’s salon, and you will immediately receive a card from the MegaFon online bank. It will help you use your funds more rationally and efficiently. The service allows you to maintain complete control over the movement of funds and the use of telephone communications by your relatives or employees. 24-hour access guarantees quick receipt of the necessary information and the ability to instantly make current payments. The MegaFon card is convenient and reliable, which bank can service it, the customer service will answer.
conclusions
As you can see, the changes affected not only the introduction of a monthly fee, but also the improvement of user conditions (cashback “for everything” and up to 10% per annum on the balance appeared).
In addition, tariffs will be charged only to low-active users. To get free service and get all the privileges of the Megafon card, you just need to use the card periodically.
Thus, the introduced changes have made the card even more profitable for those who use it as their “main” - actively make purchases and keep large sums on their balance. And unprofitable for those who signed it up “just in case” to take advantage of the situation.
Here we examined only the distinctive indicators for paid tariffs. There are other bonuses available to all Megafon card holders, regardless of tariff. Read about this in our other articles.
How to activate a MegaFon bank card
All you need to do is call the toll-free number 5555 from the phone to which your online service bank card is linked. After this, you will need to accurately follow the instructions of the answering machine and perform all the necessary actions. To ensure that the system does not crash when working with MasterCard PayPass, be sure to enter your PIN code the first time you use it. If any difficulties arise, you must immediately contact customer service. It is best to carry out activation in the office with the support of a specialist. This will allow you to avoid difficult situations and perform the necessary settings without failures. MegaFon will always help, no matter where you apply for a card.
Unistream
Cash withdrawal is possible on the same website in the “Get Cash” section. It is best to choose Unistream, but you can use Contact.
All that remains is to form an application and click on the “Get cash in Russia” button. You must select one of the proposed options - sending money via SMS or filling out a special form.
In the first option, in the message you need to indicate the type and amount of payment, the full name of the recipient, and then send this information to the short number 3116.
If you use the second option, you will need to log in to the site in the same way as when withdrawing money to a bank card.
MegaFon card service price
This is a completely free card that does not require additional costs from the client. We offer impeccable bank service, allowing you to save MegaFon client’s money. As a user of any tariff from the “All Inclusive” line, you will not even have to pay for the production of the card. It is included with the package for free. This is an ideal opportunity to quickly top up your balance at a time convenient for you with minimal costs. In any other case, you will have to pay some amount for the transfer of funds.
Commissions
You can withdraw money from any ATM of any bank - there are no restrictions. You need to remember about percentages! They are low, consider the amount before receiving funds.
Transactions made at ATMs and Agent service points during the calendar month:
You can withdraw money from a Megafon card without commission if you withdraw up to 10,000 (and the turnover in the current month exceeded 3,000);
- When withdrawing up to 10,000 – 2.5%;
- From 10,001 to 50,000 – 3.5%;
- From 50,001 the commission will be 4.5%,
If you want to receive funds through a point of issue, be prepared to pay a commission of 4.99%. A small amount for quick receipt of funds!
The commission applies to both versions of the bank card - digital and plastic, without changes.
We told you how to withdraw money from a Megafon card - now you know where to look for the issue point and what additional expenses to expect. Be fully prepared and prepared for any situation!
Is it possible to issue several cards for one person?
Each user can apply for up to ten MegaFon cards to their passport for free, and the money will always be protected. They can be linked to a single personal account. This will allow you to always know about the movement of funds and keep complete records. If necessary, you can link each phone you use to a separate MegaFon card, which has its own personal account, and the money will begin to generate income. Since the bank card and phone number are linked, replenishment can be done through regular terminals by depositing money into your phone number. This greatly simplifies working with bank cards.
Internet bank
A fairly convenient service has been created for card users - Internet banking "Megafon-Bank" . It allows you to monitor the transactions that were carried out with this card. To do this, you need to go to the official web resource bank.megafon.ru.
Smartphone owners are invited to download the Megafon-Bank application. It is available for mobile devices running on the following platforms: Android, iOS, Windows Phone.
Possibilities of Internet banking Megafon
- pay for various services;
- transfer money to other MasterCard cards using the MasterCard MoneySend system;
- view transactions performed on it;
- set limits;
- set additional numbers for SMS notifications. This allows you to receive SMS messages about completed transactions not only to the main phone number, but also to an additional phone number;
- find out the MCC transaction code by downloading the payment receipt as a pdf file; block her.
Withdrawing cash using a MegaFon card
All the necessary information can always be obtained by going to the section on additional and important information in your personal account or by calling the MegaFon hotline. You can get real money using a bank card by withdrawing the required amount from your phone account using any ATM. Bank cards also work outside of Russia in those countries where MegaFon Bank supports its work.
- Amounts up to one hundred thousand rubles are subject to a 2.5 percent commission for cash withdrawal from a bank card.
- Over one hundred thousand and up to two hundred and fifty thousand rubles are subject to a three percent commission.
- When withdrawing more than 250,000 rubles in cash from bank cards, you should be aware that you will pay three and a half percent commission.
Advantages of the card
Let's highlight some features and advantages of the card:
- flexible reward system: cashback, interest on the balance;
- free megabytes of Internet traffic awarded for purchases;
- profitable withdrawal of money from your phone account to any bank cards;
- the ability to withdraw cash without commission;
- availability of connecting convenient and useful services for maximum benefit;
- contactless payment and modern technologies;
- profitable withdrawal of funds from Webmoney;
- possibility of free service;
- convenient and multifunctional Internet banking.
Let's briefly look at some aspects.
Cashback
Cashback is a partial return of funds spent.
Refunds are provided for the Megafon card:
- affiliate – up to 20%;
- “for everything” - 1% or 1.5% depending on the connected tariff;
- from purchases through the “#Spices” service.
Up to 10% per annum on balance
Storing money on a Megafon card can be compared to a profitable deposit.
The interest on the balance depends on the chosen tariff. Minimum 6% per annum, maximum - 10%.
At the same time, the maximum amount for which a bonus can be accrued is 200 thousand rubles.
Bonus megabytes
For every 100 rubles spent on a bank card, 10 bonus megabytes are given for using the Internet.
Accrual occurs within 30 days after making a purchase. You can find out the number of bonuses received in several ways:
- in Megafon’s personal account;
- Megafon Bank mobile application;
- from an SMS message that will arrive immediately after bonus megabytes are credited.
For users who have one of the paid subscriptions
tariffs that support the Internet access function - consumption occurs automatically after the end of Internet traffic on the tariff. That is, you first need to spend the entire Internet limit according to the tariff, after which bonus megabytes will begin to be written off.
Those customers who do not have a tariff with Internet access can use the accrued megabytes at any time.
Megabytes must be spent within 1 year after accrual, otherwise they will be canceled.
Contactless payment
All Megafon cards issued since September 2021 use PayPass technology - these are the so-called “contactless payments” of the MasterCard system. The first operation after activation is performed by entering a PIN code.
For further purchases up to 1000 rubles, just tap the card on the payment terminal. For transactions worth more than 1000 rubles, entering a PIN code is required.
After adding a card to Apple Pay, Google Pay or Samsung Pay, you can pay from your smartphone by touching it to the terminal. These technologies also allow you to make offline purchases using a digital card.
Profitable withdrawal of funds from Webmoney
One of the most profitable ways to withdraw money from the Webmoney system is to transfer it to a Megafon card.
The benefit is that the commission for transferring funds from WebMoney to a Megafon subscriber number will be only 0.8%. In this case, money is credited to your mobile account instantly. By means of a bank card linked to the phone, they are at the user’s complete disposal for all kinds of purchases, transfers, cash withdrawals, etc.
SMS banking
The service allows you to manage your card using short SMS commands. Functions such as checking the account balance, listing recent transactions, blocking, and changing the PIN code are available.
The service is implemented by the user sending short message commands to number 5555:
- “BALANCE” (to check the funds available for expenses);
- “PIN” (obtaining a new PIN code for the card);
- “HISTORY” and “HISTORY NNNN” respectively, where NNNN is the last 4 digits of the card number (obtaining information about the last 10 transactions for all cards or for a specific card);
- “BLOCK NNNN” (card blocking, NNNN - last 4 digits);
- “BLOCK ALL” (block all cards linked to the client’s phone number).
The SMS information service is free and activated by default for those who are served under one of the tariff plans (“Lite”, “Standard” or “Maximum”).
For those users who issued a card before the introduction of tariffs and did not switch to them in the future, the option is paid - the cost is 30 rubles per month. Connects via a mobile application or call to number 5555.
Megafon.Bank
This is a full-fledged online bank that is accessible to the user from any device.
The service allows you to:
- receive information about all completed transactions and accrued bonuses;
- quickly and conveniently make any payments (fines, housing and communal services, payment for any goods and services) and transfers;
- enable or disable various options, switch from one tariff to another “in one click”;
- issue virtual (digital) cards;
- change PIN code, etc.
The functionality of the mobile application is wider than the personal account on the official website of Megafon Bank. For example, the latter does not display information about connected options and tariffs, and there is no way to disable or change them.
In this regard, we recommend using the Bank’s mobile application. It is easy to find on Google play and Apple Store. The application is adapted for all popular operating systems: IOS, Android, Windows Phone.
How to find out about all the possibilities and existing tariffs
Comprehensive information about the bank card can always be obtained by contacting the nearest office of the MegaFon operator. A specialist will answer any question you may have and help you understand the possible uses of cards and how to use them. For those who prefer to communicate via the Internet, there is a special tab in your personal account. Go to the “Important Information” section and carefully read the information provided about the bank card. If necessary, you can always use the help of a hotline operator.
Transfer money to Qiwi wallet
If there is a need to transfer money from Megafon to an electronic wallet, you need to go to the website https://qiwi.com/. To create a wallet, just enter your mobile phone number and go through a simple one-step registration.
At the next stage, you need to go to the “Additional accounts” tab, indicate the exact amount to transfer funds and click on the “Transfer” button. All that remains is to select a mobile operator and confirm your actions, select the “Top up wallet” option.
Further, withdrawal of money from Qiwi occurs according to the standard scheme.
Transferring money via messages on your phone
When there is a large amount on your mobile account balance, you can spend it on personal needs only after transferring it to a bank card. The easiest way to do this is to use SMS messages. Procedure:
- enter the word card in Latin letters in the appropriate field;
- after that, write the card number with expiration date and the amount without kopecks that you want to withdraw;
- send this data to short number 3116;
- The money will be received within 5 days from the moment the application is submitted - a small commission will be charged for using the service.
When typing a message, you need to avoid unnecessary spaces, random numbers and symbols. Otherwise, the operation will not be possible.
In the same way, you can transfer the required amount to the card through the website money.megafon.ru. The advantage of withdrawing money via the Internet is that when you apply again, the funds arrive in your account much earlier than after 5 business days.
Main advantages
Possibility of accruing cashback. Settlements with partners using a MegaFon bank card will bring money, up to 50 percent cashback. Full information about partners and places to receive additional bonuses can be found in the “Promotions” section.
- Interest accrued daily. Full payments are made for the past month at the beginning of the current month. In order for interest to be added to your balance, you must use the card at least once to pay for goods, services or withdraw cash. The mobile phone balance should not be less than 500 rubles during the month. You can read more about all the benefits in the “Important Information” section.
- You can freely use money on your phone balance using a MegaFon card. If necessary, they can always help you out in a critical situation and become the key to financial stability.
- The card allows you to make cashless payments in stores and on the Internet. Having a MegaFon card makes it possible to make purchases without using money at any retail establishment that has a special terminal.
- Free to use. No additional funds are required for mutual settlements and replenishment of your phone account. The balance is charged eight percent per annum; when working with MegaFon partners, you will receive an additional ten percent cashback.
A short video that will tell you about a bank card and its advantages:
Advantages and disadvantages
Advantages:
- easy receipt;
- You are allowed to issue 5 cards to one account, but only in your name;
- no risks to the financial system;
- free SMS information;
- convenient replenishment methods;
- interest on the balance;
- cashback on purchases;
- free transfers to Sberbank cards through the application.
Flaws:
- low limits;
- For contactless payment you need a smartphone with NFC support;
- paid connection for increased cashback;
- conditionally free service (only if a number of conditions are met).
Security measures
When issuing a MegaFon card, the same security technologies are used as when working with the MasterCard system. The subscriber's funds are always in the MegaFon personal account, so they are completely protected from any financial disasters. MegaFon cannot have its license suddenly revoked because it is not a financial organization. The operator also immediately informs the subscriber about any transactions via SMS message. You constantly have your finger on the pulse of money movements.
The location of the funds after they are received on the personal phone account is not the banking system of the state. You always have access to money because the card is linked to your personal account and any transactions related to communications or purchases of goods are immediately reflected on your balance. Expenses and top-ups can be made in the usual way through the terminal.
If you lose your phone or card, you must immediately notify your operator and block your SIM card. Any financial applications installed on your smartphone are provided with additional protection in the form of PIN codes that are known only to you. A reliable system allows you to quickly block and prevent any unauthorized attempts to enter or withdraw cash.
If you lose your card, you need to call the toll-free number 5555 as quickly as possible or, using the SMS banking option, send the message BLOCK to 5555. In any case, you must notify the operator and block all transactions on your card.
To prevent the possibility of any theft of funds, the system blocks transactions over 1000 rubles and requires confirmation of the PIN code. This precaution will prevent an attacker from using your card.
Transaction limits
The banking product provided by the operator has many advantages. You can use your phone balance and manage your purchases with one click!
As you know, cash withdrawals from a Megafon card are made from two different media. You can own a digital card or a physical plastic card; they have different transaction limits.
Digital
Let's look at the digital version first.
The daily limit is 60,000 ₽:
- For issue – 5000;
- For translations – 15,000;
- To pay for goods – 60,000.
You can spend 100,000 ₽ monthly:
- For issuance – 40,000;
- For transfers – 40,000;
- For payment – 100,000 rubles.
We will discuss the interest rate for withdrawing cash from a Megafon card later - for now we are talking about the established restrictions. If the user is constrained by limits and wants to increase the amount, you can contact the office with your passport to get plastic.
Physical
If you use a plastic bank carrier, you can withdraw RUB 100,000 daily:
- For issuance – 100,000;
- For transfers – 100,000;
- To pay for goods – 100,000.
600,000₽ available for spending monthly:
- For cash withdrawal – 300,000;
- For transfers and payment for goods also - 300,000.
Unfortunately, withdrawing cash without a commission from a Megafon bank card is almost never possible! Let's discuss the established rules in order to comfortably use the operator's bank product.
What is SMS banking
The option allows you to remotely manage your funds using a MegaFon card. By sending a message, you will instantly receive information about your balance, recent transactions and many other useful and important information. You can find out about all the possibilities by contacting the MegaFon operator. The cost of the service does not exceed thirty rubles per month. After connecting, the first month of using the option will be free.
A MegaFon bank card is a reliable partner in your everyday life. It will help you not to worry about reserve funds. Always at hand and does not take up much space. You don't have to carry a lot of cash with you. Ensures the safety and wise use of the money available in the account. Reliably protects against attacks by intruders. Helps you control the face network of your phone and family members.
Rates
There are 3 options to choose from – Light, Standard and Maximum. If you have operator cards on hand (plastic or virtual), then when choosing a tariff when issuing a new one, it applies to the rest.
If you need different tariff plans, you will need to get additional SIMs.
The subscription fee is charged monthly on the 1st. The first month's payment is written off in proportion to the remaining days of the month at the time of issue. If there is no money in the account, it is debited upon the first receipt. If there is not enough money, then the write-off occurs in the negative.
If several cards are linked to a number, then the fee is charged for one. Turnover to fulfill the conditions of free service is taken into account for all. Complete shutdown occurs only when closing.
Light
There is no fee for the initial connection for 2 months. With a turnover of over 3,000 per month, the tariff is provided free of charge. In other cases - for 49 rubles. monthly. The balance of funds is charged 6% per annum.
Standard
With a turnover of more than 10,000 per month, the fee is not debited; in other cases, 149 rubles. monthly. The balance is charged 8% per annum. There is a 1% cashback for all transactions.
Maximum
With a turnover of more than 30,000 per month, the fee is not debited; in other cases, 199 rubles. per month. The balance is charged 10% per annum. There is a 1.5% cashback for all transactions.
When calculating turnover for free service, transactions with the following MCC codes are not taken into account:
Switching tariff
When switching to another tariff plan, the cost will be charged only for the remaining days of the month.
The transition is carried out independently in the following ways:
- mobile app;
- online banking;
- Personal Area;
- call to 5555.
