How to borrow money from MTS for a phone with a negative balance (promised payment) + TOP 7 ways

What is “Promised Payment”

But first, let’s pay a little attention to the theory and figure out what this proposal actually is.
The MTS Promised Payment service is an ideal solution when there is a “minus” on the account, which will allow subscribers to stay in touch. This is a kind of loan provided to subscribers for 3 days, which allows you to delay the need to replenish your account, without losing the main thing - the opportunity to use communication services.

Before taking the promised payment to MTS, subscribers need to make sure whether they meet the conditions imposed by the operator on users. Their company has put forward a whole list that looks like this:

• The subscriber must be a client of the operator for at least two months (60 days);
• The client does not use additional or “In full confidence”;
• The user does not have any debts for using the services;
• The number has not yet been connected.

Why might they refuse to provide an OP?

• If you are a new subscriber and have not used MTS for more than 60 days, you will not be given money.
• If there is a debt on other personal accounts in MTS, then the “OP” service will be denied or access will be limited.
• You have active services - “On full confidence” or “Credit” - the promised payment will not go through.
• If the OP is valid, you cannot request a new one.

Once again, you won’t be able to take 300 rubles at a minus if you spend on average 50-100 rubles. The system itself determines the subscriber's solvency based on active services on his number.

Who can take a trust payment on MTS

This service is compatible with almost all tariffs, with the exception of some. It is also not available for connection if the “Credit” or “On Full Trust” option is already active.

To be able to borrow money from MTS under the “Trust Payment”, the following conditions must be met:

• Using the services of MTS for more than 2 months;
• No debts on other personal accounts of the operator;
• Using a non-credit payment system;
• Not active at the time of connection.

Calling an automatic top-up service

To request a promised payment from MTS, how to dial a number? Here's what to do:

• activate the phone panel;
• dial a combination of characters and numbers *111*123#;
• send a request by clicking the call button;
• wait for automatic system confirmation that the requested service has been activated.

Typically, a response to a USSD technical request comes within two minutes . You can check your enrollment using a USSD request of the form *111*32#.

How to connect the “Promised payment” of MTS

• Via USSD combination *111*123#>>
• In your personal account on the operator’s website;
• By calling a short number 1113 .

The service is activated instantly.

How to take the promised payment on MTS - USSD combination

An almost instant way to borrow money for communications is the command line. So, the service promised payment by MTS, how to take it.

• The number combination for the free command is *111*123# and then “call”.
• After this, wait for the system to calculate and send you the funds.
• To clarify the situation with the payment, dial the USSD code *111*1230# , press “call”. You will receive the necessary information in response.

Take the promised payment to MTS by phone

• The trust payment number is considered to be a set of numbers 1113 , after this combination, follow the voice prompts and you will receive the required service. This call is free.
• To clarify the payment situation after a while, you can call 11131.

We take the promised payment in the “My MTS” application

As an alternative, you can always use “My MTS” - a convenient mobile application.

• Go to the “Invoice and Payment” section and go to the “Zero Opportunities” tab.

How to activate a promised payment in your personal account

You can also order the promised payment from the operator’s website by logging into your MTS personal account.

• After authorization, go to the “Payment” section;
• Next, you need to find “Promised payment”, where to activate it.

Note: of all the possible ways to receive the promised payment, the USSD command is still considered the most efficient.

How to log into your MTS personal account

Using the personal account of mobile television systems, the user has the opportunity to activate any of the functions listed above, without dialing any USSD codes or other numerical combinations, and without calling the operator. All that is required from the user is to log into the Personal Account and go through the necessary tabs. The official MTS website and the user’s personal account allows the latter to manage his account (replenish it) and connect various services.

To log in to the site, you do not need to have any useful skills. This procedure will not take the user much time.

First you need to go to the official website of the company. To immediately get to the desired page, type it into the address bar of your browser.

It is possible to register both from a mobile phone and from a desktop computer. It will be more convenient for smartphone users to download the official My MTS , which successfully replaces the Personal Account.

You can download the program from official stores for Android or iPhone: Play Market and App Store, respectively. Through the offer under consideration, it is easy to connect the promised payment: “Invoice and payment” - “Possibilities at zero”.

Application "My MTS"

A page will immediately open where the user will be required to enter his phone number and password. Since we don’t have a password, we need to click on “receive password via SMS”. Before doing this, you should fill out a captcha (a picture with a code) to confirm that the user is not a robot. A code word will be sent to your mobile number with a text message. It must be entered in the field located under the phone number. Then click on “Login”.

MTS recommends changing your password immediately after entering the page, since randomly generated code words sent immediately upon authorization are not very reliable and are easy to hack. This can be done in your personal account settings.

All information provided in the personal account will display the current state of affairs of the subscriber regarding the account, the selected tariff and connected services. Also, here you can use the “Internet assistant”, which will help in many operations with your personal account, including borrowing from the company. To connect the “Promised Payment”, you need to go to the “Payment” section and select “Promised Payment”.

MTS personal account

Terms of Use

“Promised payment” is available to subscribers on all MTS tariffs, except for the “Guest” and “Your Country” tariffs. In addition, the service is not available to users of tablets with the MTS iPad tariff plan, as well as to subscribers with the archived tariff “Basic 092913”.

The amount of the promised payment to MTS, interest on the loan

If you want to borrow into an MTS account, you can use the following amounts:

• take up to 30 rubles - there will be no interest on the loan;
• take from 31 to 99 rubles - the percentage will be 7 rubles >;
• take from 100 to 199 rubles - the percentage will be 10 rubles >;
• take from 200 to 499 rubles - the interest will be 25 rubles >;
• over 500 rubles - interest - 50 rubles .

The promised payment is provided for a period of 3 days. If you do not repay the debt after 3 days, the interest will not increase!

When repaying a trust payment from MTS, you need to put in an amount greater than what was provided, plus interest.

If you have not agreed on the provided limit within 3 days, the balances will not be burned. You will go into minus exactly as much as you agreed on the money.

What size of the “Promised payment” is available to subscribers

• All MTS subscribers with a positive balance have access to a “Promised payment” in the amount of 50 ₽;
• The “Promised payment” limits are formed from subscribers’ communication expenses (see table);

If you spend more than 500 ₽ per month on communications from MTS, then you can take several “Promised payments” even in addition to the existing ones. The main thing is that the total amount does not exceed 1 thousand rubles.

How to check the available amount of the “Promised Payment”

• Via USSD command *111*1230#>>
• In the “My MTS” LC system on the operator’s website, going to the “Payment” section;
• When making a voice call to a number 11131 .

How to find out how much of the promised MTS payment is available

Few people count the money spent on mobile communications per month! Of course, you can get detailed information, but it all takes a long time! To find out how much of the promised MTS payment is available to you, use one of the methods:

• call 11131;
• send a request to *111*1230#;
• go to “Personal Account” .

Everything is very simple!

Price

The service has no subscription fee. The fee is charged only for its activation. The connection amount changes based on the requested amount of funds:

The cost of the service is not charged immediately after connection, but after 3 days along with the amount of debt or immediately after depositing funds into the SIM card.

How to take out a loan “In full confidence”?

There are several combinations of numbers in order to receive a payment by phone:

• using the command *111*32#>;
• by contacting the company’s specialists at 0890>;
• settings in your personal account on the official website or in the “ My MTS ” .

Initially, the subscriber is credited with a credit amount of 300 rubles. once a month. Subject to timely repayment of the debt and active use, the amount increases in the future, and if there is debt, it returns to the initial value.

The subscriber can manage the limit in his personal account or using the command *111*2136# - call. If desired, you can order a fixed limit, or recalculation taking into account monthly costs.

To whom is it available?

Before trying to take out a debt from MTS, it is recommended to clarify for which subscribers this opportunity is provided. In practice, to use the option, the client must meet the following criteria:

1. The user has been using MTS for more than three months.
2. Does not allow delays in regular payments.
3. Regularly increases the cost of cellular communications.

Compliance with these standards will allow you to borrow from the operator if you yourself are unable to replenish the account due to certain life circumstances.

Important! Do not forget that the size of the trust payment, as well as the commission charged, directly depend on the period of use of the services of this company.

Option connection conditions

If you are interested in the full trust option, it will also be useful for you to obtain information on the conditions for its connection. In practice, the following key points can be highlighted:

• you are not a corporate client;
• such a mini-loan is provided for three days;
• There is a commission from 0 to 50 rubles.

The amount of the withheld amount depends on what specific limit of funds was provided to the client of the cellular company. In addition, the amount of the trust payment varies depending on your regular cellular expenses.

Connection methods

To take advantage of this opportunity, the subscriber needs to make a corresponding request to the operator. As a rule, the cellular company activates the function for the following call options:

1. if the client called 1113;
2. applied through your personal account or mobile application;
3. dialed the combination from your phone *111*123#.

Subsequently, when the request is completed, you will receive a corresponding SMS notification that the funds have been credited to the phone balance and will be debited on such and such a date.

How to disable the service

This option is not provided automatically, but is only enabled upon human request. If you want to close it early, then the following two options are available:

• Deposit the amount to pay off the debt and the promised payment.
• Wait until the money is fully debited after three days.

Subsequently, you will be able to reuse this function only at the moment when you replenish your phone balance to the minimum value, otherwise you will not be able to use the help.

Important! This is a very convenient option for those who always want to stay in touch, but do not forget that such actions can significantly increase your communication costs.

If you use a tariff plan from MTS and are not a corporate user, then you can always replenish your balance, even if you do not have a chance to replenish it yourself. The operator took care of its subscribers by providing them with a trust payment option. Of course, this is provided for a fee, but sometimes it can help the user out in the most difficult life circumstances.

Assistant via the Internet

For clients who can connect to the World Wide Web at any time, there is a service option - an Internet assistant. To activate the option, you need to go to the MTS website, open the Internet Assistant section and find the “Payment” , and then click on “Promised payment” .

The option in question is valid for only three days, and the amount borrowed should not exceed 800 rubles per month. The service is activated if you have at least 30 rubles in your mobile phone account. The subscriber himself chooses the amount he wants to borrow from the operator.

Promised payment is becoming more and more popular every year. Subscribers willingly borrow money and pay it back. With the operation in question, you can be sure that there will always be money in your mobile phone account, which means the client will be able to make a call at any time.

This is interesting: How to transfer money from a phone to an MTS phone?

With full trust

This service makes it possible to communicate on credit. provides an amount depending on the client’s status. It can range from 300 to 3000 rubles . The longer the subscriber is a subscriber to mobile telesystems, and the more he spends on communication services, the more worthy the loan amount will be.

When the option is activated, the subscriber is only required to confirm his agreement to repay the debt by the 24th of each month. If the client is late in payment at least once, the future loan limit is reduced.

At the request of the company, the defaulter’s number can be blocked if he ignores requests to pay the debt, or exceeds the maximum limit. To activate the “On Full Trust” option, you need to dial *111*32#call button, or connect in the client’s personal account. Also, the option can be activated by dialing 05902, and then follow the operator’s instructions.

Option “In full confidence”

Express money

This option is available for people whose number has not yet been blocked. When the balance becomes negative, but the number has not yet been blocked, the subscriber may have time to borrow from 50 to 100 rubles. The only negative: the user needs to pay a commission of 10-20 rubles for each loan. The loan is provided for one month.

An advantage is the fact that activation of this service is possible even when the above options are not available to the client. In order for the subscriber to be presented with a certain amount, it is necessary to write the number 50 or 100 and send it to number 1976.

In a reply text message, the subscriber will receive information about when to repay the loan and other conditions. But the loan of 50 rubles must be paid within the next 7 days. When you top up your phone balance, the required amount is debited automatically by the operator.

VIDEO: how to borrow on mobile TV systems when your account has a minus

express credit mts

express credit mts

Help from a friend

A few more interesting ways on how to borrow money when there is a minus. Mobile telesystems have made every effort to enable customers to help each other with money problems.

You can send an SMS to a friend with a request to top up your account or call back, as well as call the subscriber and talk to him at his expense. But the probability that money will be credited to the account is high only in the first case. The listed options can be used by all subscribers, regardless of their debt. Messages asking to call back or top up an account can be sent by the user no more than 5-10 times a day, depending on the choice of service. To send a “beacon”, you need to dial *110*number of the required subscriber# on your mobile screen.

Transfer of funds by another client

To send a request to top up your account with another client, you need to dial *116*number of the subscriber who will top up your account#call button. The number can be written in any format, with seven or eight, or without them at all. The application will still be sent. This service is completely free for the client.

The subscriber is provided with 4 submissions of this application per day. The lender will receive a text message asking them to deposit money into the borrower's account. To prevent these messages from disturbing the client, he needs to dial the combination *116*0# call button.

How to transfer funds to a subscriber

Help me out

There is a very useful feature called Help Out. This service provides the opportunity to talk with the called subscriber at his expense. You just need to dial 0880 before the desired number of the client you are calling and press the call button.

If the user answers the call, he will automatically pay for it. It is necessary to take into account what the client can provide in the service: hang up the call or press the “0” key. The subscriber has the opportunity to use 10 times a day.

can be very necessary

Methods to check all “Promised payments” on MTS

If you want to find out the history of all loans, you can do this using the following methods:

1. Dial a special combination on your phone: *111*1230#;
2. Go to your Personal Account on the official MTS website, then open the “Payment” section, then “Promised Payment” and select “History of Promised Payments”.

You can also activate automatic account replenishment by setting “Autopayment”. Autopayment can be activated using an MTS Money bank card and set up automatic debiting of funds according to a given schedule. Thus, you can pay for various services, for example, Internet, cable TV, credit, top up your mobile phone balance and much more.

Alternative service

To avoid paying a commission for using the promised payment, set up. In the setup form, indicate your phone number, payment amount and payment method - bank card or MTS Money Wallet service. The schedule is also indicated here - according to the balance threshold or according to the schedule. In the first case, the balance will be replenished automatically immediately upon reaching the threshold - its default size is 50 rubles. In the second case, replenishment is made every N days (from 1 to 180 days).

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How to take the promised payment with a negative balance

Advance crediting is most required when there is absolutely no money left in the account. In such cases, it is possible to receive a trust payment, but there is a limitation. Before you take the promised payment to MTS , you should make sure that your account will have less than -300 rubles, you will not receive temporary funds. You will need to carry out the same operations as with a positive account.

If your balance is satisfactory, then you can easily enter the USSD command and receive money.

If you are in a Wi-Fi network zone, then by connecting to it you can take a trust payment through a special MTS application. To do this, you will need a login and password from your personal account. Nowadays, more and more public Wi-Fi points are appearing, so you can urgently receive funds in many places in the city.

It is also easy to take the promised payment through a computer connected to the Internet, using your personal account according to the described instructions.

Using the app

A great way to get money is to use the official mobile application, where you can find the required option and activate it via the Internet.

To borrow 50 rubles, you will need:

• download the application if it is not already installed;
• log in;
• click on the small icon with the image of a wallet;
• select the “promised payment” item;
• specify the parameters for receiving funds;
• wait for the money to arrive on your phone.

Additionally, in the application you can clarify the presence of debts and the status of the requested transactions.

It should be noted that only subscribers using prepaid tariffs are able to receive a loan.

Those who pay a monthly subscription fee will not be able to use such a service, since it makes no sense, even if the balance is below zero.

Repayment of promised payment

If there is money in the account and you understand that you can top it up at any time, no matter what method, the promised payment you took will automatically be repaid. This is also convenient, you don’t have to think and count how much extra you still have to pay.

How can I prevent my number from being blocked? You have three days to replenish the balance in the amount of debt, the main thing is that it is higher than the real one. In this case, it is not necessary to take into account the amount of the loan taken. This is important, it saves time. Trust payment lasts longer than 3 days. The calculation method for your tariff will not change.

You can also set up automatic replenishment of your personal account from your bank card account. Link it once, and money will be credited to your account without your participation when the balance approaches zero. That way, when it matters, you won't be forced to think about how to get out of the situation.

Debt repayment

To pay off the debt and simultaneously disable the service, you must top up your account with the amount of the trust payment taken and the cost of its activation. You can top up your balance in any way.

There are two types of debt repayment:

• partial – the replenishment amount is small and is not enough to cover the amount of the trust payment and the cost of its activation.
• full – the replenishment amount is sufficient to cover the debt.

For subscribers in Russia, the debt must be repaid within three days after activating the service. If the SIM card is located outside the Russian Federation and roaming is enabled, this time is extended to 7 days. If the debt is not repaid on time, the number is blocked and the funds in the account are frozen. The blocking will be automatically lifted after the debt is repaid.

Thus, there are four ways to receive a trust payment. The easiest way to activate the service is by typing the USSD command or calling customer support. Funds are credited to your balance immediately and can be used within 3 days.

How to disable a promised payment

The trust payment is automatically deactivated after 3 days from the date of provision.

This means that the funds will be debited from the phone account with a commission, so the balance may go quite negative.

You can return the money before the due date. To do this, you simply need to enter the amount of the trust payment and the commission. After this, you will receive an SMS notification about the repayment. Money can be deposited either in parts or in full. You can top up your account through terminals, ATMs, bank cards, electronic wallets, and your MTS personal account.

If you took the promised payment on MTS, take into account that with any replenishment of the balance, the money will first go towards this debt, and only then to your SIM card.

What is a “Trust payment”

A trusted (promised) MTS payment, or entrusted payment, allows you to immediately top up your mobile phone balance. It makes sense to use it when money is needed urgently - for example, an important conversation suddenly ended due to a zero balance. The funds received are virtual and cannot be transferred through the Easy Payment .

To pay off the debt, you need to top up your account with an amount equal to the amount of the debt + the cost of the service. This must be done within 3 days after activating the service, otherwise the number will be blocked.

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.

Service capabilities

As mentioned above, the capabilities of the service and the size of the loan directly depend on the client’s monthly cellular expenses. That is, the more active the subscriber is, the larger the mobile loan he will be provided.

The minimum amount allocated by the telesystem within the framework of the “Trust Payment” service is 50 rubles. It can be taken by both subscribers with a positive balance and with a negative one.

Now let's look in detail at how you can get a loan for MTS with a negative balance.

Additional Information

You can use the service even if your account balance is minus 30 rubles. The operator lends money for three days, after which the debt will be automatically written off. Therefore, during this time it is necessary to replenish the balance. In this case, the replenishment amount must be greater than the amount of debt. If the money does not arrive in the account on time, the number will be blocked. After depositing funds, the following may happen:

• Partial repayment of the loan - if the funds on the balance sheet are not enough to write off the entire debt;
• Full – if the funds received into the account are sufficient to pay the debt.

The subscriber can always obtain information about the availability and amount of credit for a previously activated service. The combination *111*1230# will help you find out about the current MTS “Promised Payment” option, after dialing it you need to click on the call. To obtain this information, you can also call 11131 or look at the information on your page in the “History of Trust Payments”. To do this, you need to open the “Payment” tab in your Personal Account and then go to the “Promised Payment” subsection. Information about the account status will be presented taking into account the amount of the “Trust payment”.

It will be useful for the company’s subscribers to know not only how to take the promised payment on MTS, but also how to get a loan through other alternative services. One of them is “In full confidence”.

Conclusion

Even if you have a minus on your account, it’s easy to call using several of the above services. It should be remembered that if the minus exceeds 30 rubles, or the number is blocked, the opportunity to use the services automatically disappears. But since progress does not stand still, the subscriber always has the opportunity to independently top up his personal account using his personal account or through the Sberbank Online application.

The easiest way to connect services is through your personal account, logging in to which is easy and quick. You must enter your phone number and receive a password.

There is no need to overdue debts. You should pay off your debts on time and there will be no problems with the operator. Otherwise, the operator’s trust in the client will decrease, and the list of services with a negative balance will decrease.

There is no need to wait until the balance goes into minus. It is necessary to take care in advance that the account may suddenly become negative, otherwise it will be impossible to connect to the services.

VIDEO: Opportunities with a negative balance