How to withdraw money from a mobile phone: 7 ways

Modern technologies do not stand still. Many people do not even realize that each of them has an electronic wallet. Everyone uses phones, steadily replenishing their mobile balance for communication. Today it is not much different from full-fledged payment systems such as Qiwi or WebMoney.

How to withdraw money from MTS, Megafon, Beeline and Tele2 phones? The question is relevant because we often have to deal with situations where it is not possible to make a transfer to a card or pay in cash. You can simply top up your mobile phone and then send all the money to a card or some payment system.

What is needed to make a transfer?

First of all, you need to know the following information:

name of the mobile operator (Beeline, Megafon, etc.);
payment system (Visa, Mastercard or Maestro);
bank card number;
phone number.

In most cases, this is enough to complete the transfer. You will also, of course, need a phone with Internet access.

Different operators offer transfers in slightly different ways: the names of website sections, SMS and USSD request codes, and the procedure differ. We will provide instructions for users of Beeline, Megafon, MTS and Tele-2.

Almost all large banks - Sberbank, VTB-24, Raiffeisen Bank, etc. - support transfers to cards, but for convenience, in the text we will consider the actions of Sberbank card holders.

If you are not one of them, it will not be difficult for you to calculate your sequence of actions by analogy.

Receiving money from an ATM

You can withdraw money from your phone through an ATM. Only Beeline provides its subscribers with this opportunity. Algorithm of actions:

Send a request to number 7878, indicate the amount you want to withdraw.
Wait for an SMS indicating further actions.
After completing all the requirements, you will receive another message with a PIN code, which you will need to withdraw money.
Find the Beeline Money ATM, enter your phone number, PIN code and get cash.

Transferring money to a card from Beeline

Terms of transfer:

Minimum: 50 rub.
Maximum: 14,000 per day, 40,000 per month.
Commission: from 50 to 350 rubles, the exact amount depends on the transfer amount.
Maximum transactions: 10 per day, 20 per week, 50 per month.
Beeline users can use the website or SMS.

Step-by-step instruction

Let's look at the instructions:

Website:
follow the following chain: “payment and finance” – “money transfers” – “transfer to a bank card from a mobile phone”;
enter the requested information, and then “continue”.
SMS. Enter the number 7878 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

If you want to know the exact commission amount, use the following scheme:

Transfer – up to 250 rubles, commission 50 rubles.
Transfer – 250 – 730 rubles, commission – 70 rubles.
Transfer – 730 – 1430 rubles, commission – 95 rubles.
Translation – 1430 – 1880 rubles, commission – 120 rubles.
Translation – 1880 – 3800 rubles, commission – 230 rubles.
Transfer – 3800 – 5660 rubles, commission – 350 rubles.
Transfer above RUB 5,661, commission – 5.00%

How to transfer to Qiwi wallet

It is important to remember that money can be withdrawn from a mobile phone account via QIWI only from the balance of the number to which the account is registered in this payment system. The first thing you need to do is create a QIWI e-wallet, following the instructions on the website. Further algorithm of actions:

Log in to your account.
On the main page, find “Top up your wallet”.
Select “All deposit methods” on the left.
Next, open the “Mobile phone account” tab.
Then select the desired operator.

Different mobile service providers have different transfer fees. Withdrawal of money from a mobile phone to a QIWI wallet is carried out by the following cellular providers:

Operators	Commission amount (%)
MTS	9,9
Beeline	8,95
Megaphone	8,5
Tele 2	9,9

From a megaphone

Terms of transfer

The conditions are as follows:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: up to 5,000 pay 7.35% + 95 rubles (from an amount of 1,500 rubles the bank will take 15 * 7.35 + 95 = 205 rubles), over 5,000 pay 7.35% + 259 rubles (from an amount of 6,000 the bank will take 60 * 7.35 + 259 = 700 rubles).
Maximum transactions: not set.
Megafon users can use the website or SMS.

Step-by-step instruction

Instructions:

Via the website:
follow the following chain: “ – “more details”;
enter the requested information, and then “continue”.
Via SMS. Enter the number 8900 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

Withdrawing funds from Tele2

Via the Tele2 website

To conduct monetary transactions, the main page of the site sends the user to the page https://market.tele2.ru/. All tariffs and opportunities to withdraw money are clearly described here. The options for withdrawal amounts are clearly stated in the grid. For example, if you withdraw 250 rubles, you will pay 20% extra. And for withdrawing 251 rubles the tariff is already different - 9.6%. Although the amount has not changed noticeably.

Via phone

Using your personal phone, the process of withdrawing funds from Tele2 turns out to be more profitable. There is a single commission of 5%, the transfer period is 3 days. Often the money comes earlier. To execute a command you need to dial *135# and indicate a specific amount.

Current Tele2 limits:

10-14,200 rubles for one withdrawal;
less than 150 thousand per day;
less than 500 thousand per month.

With MTS

Conditions

The conditions are as follows:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: 4.3%, but not less than 60 rubles.
Maximum transactions: no more than five per day.
MTS users can use the website or SMS.

Instructions

Step-by-step instruction:

Via the website:
follow the following chain: “financial;
enter the requested information, and then “continue”.
Via SMS. Enter the number 6111 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

With Tele-2

Conditions

Let's consider the conditions:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: 5.75%, but not less than 40 rubles.
Maximum transactions: no more than 50 per day.
Tele-2 users can use the website, SMS or USSD request.

Instructions

Step-by-step instruction:

Via the website:
follow the “menu” chain – “transfers and payments”;
if your bank is in the panel on the right, click on it;
enter the requested information, and then “continue”.
Via SMS. Enter number 159 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.
Using USSD request. A USSD request is an alternative to SMS, a short code that can be entered in dialing mode to activate some service or receive information. We often use USSD requests to check the balance:
dial the message: *159*1*card number*how much you want to transfer# (example: *159*1*1234567890123456*1300*)
make a call.

Why do people transfer money?

A significant number of domestic transfers are made to help relatives: to support the family, to “feed” those who have gone on vacation. The volume of transfers to pay for housing, cars and other large purchases is growing. Funds are transferred to pay off loans, pay for housing and communal services, mobile communications, the Internet and other services. Also, money is actively moving between regions due to the expansion of business geography.

Often, the transfer needs to be done urgently, for example, if unforeseen situations arise: a wallet was stolen, a bank card was lost, etc. In these cases, the search begins for a way to quickly transfer money, and preferably with minimal losses on commissions.

With Yota

For Yota users, the transfer function from phone to card is not yet available. The fact is that all payments by Yota subscribers work using the Yota-money system.

The user credits funds to his personal account in the system, thereby replenishing the balance.

If you want to withdraw money from the system, there are two options left:

Come to the Yota branch with the passport for which the account was opened and write a written application for a refund.
Workaround: transfer money to an electronic wallet (with a 6% commission), and then to a card. Services such as Qiwi Wallet are suitable for this.

Yandex money and webmoney

In order to withdraw funds to Yandex wallet, you need to go to the official website, go through the registration procedure or log into an existing account, select “Top up”, then “From mobile balance” and enter the appropriate phone number.

Afterwards, you need to wait for a message confirming the transfer and enter the activation code in the window that opens.

If you are planning a transfer in the WebMoney system, you also need to log into your account (if necessary, go through the certification procedure by providing personal data), open “Top up wallet”, then “From phone+”.

Enter the required amount and confirm the operation via SMS message. WebMoney's commission rate is 10% on average.

Money transfer systems

One of their most popular money transfer systems is Unistream, which also has a minimum interest rate.

When transferring from an MTS number, the minimum amount will be 1 rub., the maximum – 15,000 rubles. The commission will be 4.3% of the amount;
if the transfer is made from a Beeline number, the amount can range from 100-14,000 rubles. A commission of 5.95%+10.00 rubles is charged;
When transferring from a Megafon number, the amount will be from 1 to 15,000 rubles. and commission 9%.

Transfer from card to phone

It will also be difficult for you to do without transfers from card to phone. This is a much more popular procedure.

Many people prefer to top up their balance using a card: it's fast and usually means no fees. There are several ways to transfer funds from your card to your phone account.

Using an ATM

The easiest way is to use an ATM. ATMs of almost all banks allow you to top up your telephone balance.

Here's what you need to do if you own a Sberbank card:

insert the card and enter the PIN code;
select “pay for mobile communications without commission”;
select your operator;
enter the phone number and then “continue”;
select how much you need to transfer and then “continue”;
make sure the entered data is correct and click “continue”;
take the card and check.

The sequence of actions differs slightly from bank to bank, but the ATM interface is quite simple and easy to use.

You don't have to rack your brain for a long time about where to click - just follow the prompts on the screen. And if something doesn’t work out, feel free to contact a consultant.

Using the app

If your card is linked to your phone, you can increase your balance through the bank app.

Here's how Sberbank.online works:

install the application and log in;
follow the next chain “payments” - “mobile communications”;
find your operator;
enter the required data and then “continue”;
Make sure the information is correct again and tap “continue.”

Using the site

If you have linked a card to your phone, you can top up your account through the operator’s website.

Beeline subscribers must do the following for this:

go to beeline.ru;
follow the following chain: “payment and finance” – “replenish your account from a bank card”;
Enter the requested information and click “pay”.

Use USSD request

Each bank offers its own USSD request. If you are a Sberbank client, dial *900*phone number*how much you want to top up#.

Example: *900*89855555555*1300#

Many banks also offer to connect. This is very convenient if you regularly make any payments (for example, for a mobile phone) and want this to be done automatically.

As soon as your balance becomes less than 30 rubles, the amount of money you chose is automatically credited from the card to your phone.

You receive two SMS: about debiting money from the card and about increasing the balance. You can find out all the additional information about auto payments and connect them on your bank’s website.

Withdrawal via Russian Post

You can withdraw cash from your mobile phone through Russian Post. Cash withdrawal is carried out in the following way:

Indicate your phone number and recipient information on the receipt.
Write the amount you want to withdraw from your phone.
Choose the most convenient post office.

The money is debited from the balance along with the commission. For different companies providing cellular communication services, it is:

Operator	Commission amount
MTS	4,2%+55,00
Beeline	2.6%+50.00 (post office)
Beeline	4.37%+80.00 (home delivery)
Megaphone	5,2%

Linking a card to a phone

As you may have noticed, there are things that can only be done by linking the card to the phone.

Linking a card to your phone is very convenient: it allows you to instantly top up your balance, manage your accounts in real time, track your purchase history and much more.

According to Mobile Banking Rank 2021, 18 million people use linked cards in Russia.

Here is just a small list of the benefits that people with linked cards receive:

you can pay utility bills using your phone;
you can set up automatic payments and top up your phone balance without any extra effort;
you can open deposits online, which usually means a higher rate;
you can use various bonus systems;
Finally, you can make instant transfers between your cards or to another person.

Get money without cash

Indirect ways to get money include paying for services. You can use your SIM card balance to pay for online purchases:

games, mobile applications;
books, audio publications;
magazines, periodicals in application format;
make an advance payment on the seller’s website.

Transactions can be made in the App Store, Play Market or on any website. You can often pay for an online purchase using your phone balance. To do this, when choosing payment, click on the link “Other payment methods” and “Pay by phone”.

Transferring money to a card linked to a phone number

If your card is connected to a phone number, you can very easily transfer money to another linked card. Sberbank users can act in two ways.

Using SMS

Enter number 900 and send via SMS (separated by a space): the word “TRANSFER”, the recipient’s phone number, the transfer amount.

Example: TRANSLATION 89855555555 1300.

Using the site

Step by step:

go to Sberbank.online;
if you do not remember the login and password for Sberbank.online, get them at any ATM or Sberbank branch;
follow the following chain: “payments and transfers” – “transfer to a Sberbank client” or “transfer to a card of another bank”;
enter the requested information, and then “continue”;
wait for the SMS verification and enter the code into the special field;
check and click "continue".

Connection

If you finally decide to link your card to your mobile phone, you will need the following information:

passport details;
phone number;
card number.

Now, having acquired the necessary information, you can act in two ways:

come to your bank's office and tell them what you need to connect;
activate the service using an ATM.

To do this, Sberbank clients need to act like this:

insert the card into the ATM and enter the PIN code;
follow the chain “Mobile Bank” - “Connect main card”;
enter the requested information;
wait for an SMS message about activating the service (it can take up to a day).

Now you can install the application, register in it yourself and get started. If you are an active user of mobile banking, it makes sense to pay attention to the app rating from Mobile Banking Rank.

Depending on the device you are used to working on, different applications will be most convenient:

the most convenient application for iPhones and Android smartphones was released by Tinkoff Bank;
the most convenient application for Windows Phone was released by Sberbank;
Alfa Bank released the most convenient application for iPad;
The most convenient application for Android tablets was released by Raiffeisenbank.

https://www.youtube.com/watch?v=dBlvAXzIxsQ&t=140s

Big Four Operator Fees Comparison

For clarity, we have collected in one table the conditions of all mobile operators for transferring from a telephone account to a Sberbank card.

Transfer amount sent (RUB)	To be received on the card (RUB)
Transfer amount sent (RUB)	From Megafon	From Beeline	With MTS	With Tele2
500	368,25	430	440	430
1000	831,5	905	940	910
5000	4337,5	4650	4785	4700
14000	12676	13300	13398	13600

As you can see, the most favorable tariffs for transfers are from MTS (except for transfers of maximum amounts - Tele2 takes the lead here. The least profitable service is from Megafon.