How to get express money on MTS and what are the conditions for this service?

Can every subscriber receive a debt?

Less than 2 months have passed since you purchased the SIM card? The service will be available; however, you can only borrow 50 rubles. And only if the balance is not below zero.

On the 61st day after registering the number, the operator begins to trust the client more. This means that these lending conditions become relevant for you:

• spend from 300 rubles on communications, you can take out a loan of 100 rubles or 200 rubles;
• you spend from 301 rubles per month, you get the opportunity to take 300-400 rubles;
• if spending exceeds the amount of 501 rubles, a debt of up to 800 rubles becomes available.

To borrow from MTS, the minus on your account should not exceed 30 rubles. Otherwise you will have to use the options described below.

Attention! “Promised payment” is incompatible with some tariffs (for example, “Guest”, or “MTS Connect”) and services (for example, “On Full Trust”). However, many tariffs, including Smart-unlimited, are compatible with it.

Cost and commission charged for the service

The cost of the service depends on the loan amount:

• for a loan within the range of 31-99 rubles you will pay 7 rubles in commission;
• 100-199 – 10 rubles;
• 200-499 – 25 rubles;
• over 500 – commission 50 rubles.

The commission is debited from the account for each connection after the expiration of the validity period in a lump sum with the principal amount of the debt. If the subscriber has not made payment within the specified period, the number is blocked for outgoing calls and messages until the debt is fully repaid.

If you do not want to overpay, it is better to borrow not 200, but 199 rubles, so the commission will be less. In addition, in case of active debt, you can take out a second loan, which will fully cover the amount of the first one along with the commission. You can use the rest of the amount for communication services, and at the end of the term you can completely pay off the debt.

How to take the promised payment on MTS

Enter the USSD command *111*123#. You will be offered several available amounts for replenishment (if your SIM card is more than 60 days old).

Important! If you take out a loan for a phone from 20 rubles, then the operator takes a commission. Its size ranges from 7 to 50 rubles.

If the combination does not work, you can borrow money from MTS by calling 1113 or visiting your personal account using this link - online.mts.ru. Online you can both borrow from MTS and connect other options with a zero balance.

How to use

Now let’s look at how you can connect the described services and get a loan for your phone in various ways. If you cannot configure it yourself and send an activation request, contact specialists at technical support number “0890” or any MTS communication center for assistance.

From phone

To send a request to connect the “Promised Payment”, enter the USSD command *111*123# and press the call button, or call the service number “1113”. The “In full confidence” option is installed by dialing *111*32#.

From your personal account

Your personal account is a convenient and sophisticated tool for managing all the characteristics of your tariff plan and installed services. Here you can find out the exact amount of money on your balance and top it up at any time if it is minus or zero. To apply for a loan for three days as part of the “Trust payment” function, go to the payment section and select the options tab at zero. Here you can activate , but remember that both of them are mutually exclusive.

A similar list of actions can be repeated in the official mobile application “My MTS”. In the main menu, select the services section, and then options at zero. Next you will see a list of all offers that will help if there is no money in your account. The program is freely available and provided free of charge to all clients of the provider. To enter your personal account and utility, you must have an active access point to the Internet.

Attention! The description of services and their main characteristics in the article correspond only to the Moscow region of the country. Check with local representatives of the operator about the specifics of the offer in your locality.

If you run out of money, it doesn’t matter. From the article we learned how you can borrow money from MTS. To avoid getting into such an unpleasant situation in the future, try to replenish your balance in a timely manner and periodically check it in your personal account or using the combination *100#.

How to talk on credit up to minus 300 rubles

"Promised payment" is bad for two reasons:

1. It’s easy to miss the moment when there is less than 30 rubles in your account. and, accordingly, give yourself more through the “Promised Payment”;
2. For new subscribers, it is usually useless, since they can only borrow money from MTS if they have a positive balance.

Therefore, there is an alternative called “In Full Trust”. This is a service that allows you to pay for communications once a month and lose up to 300 rubles.

It works like this:

• You connect “On Full Trust” for free - the service does not require any connection fees or a fixed monthly fee;
• spend as much as you need. Even on loan. Negative balance limit – 300 rubles;
• at the end of the month the system itself calculates how much you owe. You receive an SMS indicating the amount;
• You pay the invoice by the 24th.

Attention! If the balance falls below the permissible limit or the MTS loan is not repaid on time, the SIM card may be blocked.

The advantage of the service is that 300 rubles is only the initial stage. If you regularly top up your balance, the maximum amount of debt will increase to 900 rubles, since after the starting period (30-31 days) it begins to be calculated from the total amount of payments for 3 months.

To connect “In full confidence”, dial *111*32# or send an SMS with the text 2118 to number 111. In addition, you can call 111 and after the autoinformer message, dial the numbers 2118.

Step-by-step instructions for connecting to a debt service

Connection options:

• personal account on the operator’s website. You need to log in, then go to the “ Payment ” section, select the desired amount and term;
• USSD command *111*123# and call button. Then, in the voice menu of the service, select the amount of interest and confirm your choice;
• make a call to service number 1113 , then follow the voice menu prompts.

The requested amount is credited to the account in a few minutes using any method. Upon activation of the service, the subscriber receives an SMS notification.

How to top up your MTS account using other subscribers

In some cases, it is not necessary to decide how to borrow the missing amount on MTS. There is no need to contact the bank or look into your wallet either. You can also top up your account using other users.

Previously, MTS provided more expanded opportunities in this area. For example, it was possible to deposit money from your account to a third-party subscriber after dialing a certain USSD command. At the moment, this method no longer works.

It is now possible to ask for a loan of money only with USSD - a request to another user by dialing *116*subscriber number# and the call key. The recipient will receive a message asking them to transfer funds to their mobile account. The amount that needs to be borrowed can be indicated immediately, reflected in the USSD code as *116* subscriber number*amount # and call.

If you don’t have time to wait for another user to help with payment, it’s worth trying to use. The essence of the option is that calls can be made at the expense of others with their consent. After sending the request, the operator must obtain permission to perform the action from the subscriber at whose expense the calls are supposed to be made.

To activate, you need to call 0880 and enter the 10-digit number of another user. A similar principle applies when sending SMS at the expense of the recipient. To do this, enter the combination of numbers 5880 before the message. After confirmation, the SMS is delivered.

The conclusion based on the above is the following: services are available in the absence of funds on the phone account, with a zero or minus balance, and even when roaming outside Russia or your home region. The option often turns out to be indispensable if it is not possible to make a payment, but you urgently need to use the connection.

Option “In full confidence”

The operator provides regular subscribers with another convenient option: you can communicate until the account balance reaches -300 rubles . To activate the service, there must be available funds on your balance.

• The connection is made using the USSD command *111*32# call key or in your personal account on the operator’s website. The service is provided free of charge.
• To find out the amount of the current debt and the due date for its payment, dial the command * 132# call key. Top up your account within the specified period to avoid blocking the number.

Option “Top up my account”

In this case, you borrow funds not from the operator, but from relatives or friends. The subscriber is given the opportunity to send a free request to top up the balance to a subscriber of any telecom operator in the Russian Federation.

1. Dial the command 116*subscriber number# call key.
2. The specified subscriber will receive an SMS message asking for a top-up.
3. Requests can be sent no more than 5 times in 24 hours.

How to make free calls with a positive and negative score on your smartphone

If you have an IOS, Windows Phone or Android phone, install the Viber program. This is software that allows you to call or write a message for free to any person who has it installed (and it doesn’t matter whether MTS is on the other subscriber’s phone or not). Install and get the opportunity to talk for free.

Viber works via 3G, 4G or WI-FI, so all you need to make a call is free internet. The program automatically synchronizes with your contacts from your phone or SIM card.

Additional benefit from the application: you can transfer images and videos, as well as other files, just like in the popular Skype messenger, which often behaves strangely on mobile phones.

Activation

You can borrow money on an MTS SIM card in another way; in this case, the company lends funds by spending money from the balance, even if there is a minus. The service allows the client to lose 300 rubles or more. But this function will be available to the client only if he has no debts on other accounts and SIM cards from the MTS operator. In addition, funds in the amount of at least three hundred rubles must be regularly credited to the balance of the SIM card used within three months.

To activate the offer, you should dial the command *111*32# on your cell phone or connect through your personal account profile.

• note
• Every month the client must replenish the balance in order to fully cover the established amount of debt. If payment is not made on time, communication services will be suspended, but there is no penalty for non-payment.

If the company does not issue the client a loan for MTS on the phone for certain reasons, you can use other ways to contact the desired subscriber. The service is provided a limited number of times; no more than five requests can be sent during the day. The option is activated in the following ways:

• USSD request. On a mobile phone, dial the code *110*, then enter the subscriber’s contact number and press pound. The request is sent using the call key. All you have to do is wait until a message is received on the specified phone number asking you to make a call.
• Interactive menu. The company has developed a special service to activate the necessary options without the help of a technical support operator. On your cell phone you should enter *111#. Next is button 6, it means “More”. Select item 4 called “Call me back”. The client should indicate the number of the interlocutor to whom the request will be forwarded. The application is then sent for processing.
• Cell phone application. If the client has the “My MTS” application on his mobile phone, he can use it to send a request. To do this, go to the services section and select “All”. There the section “Opportunities at zero” will open. After the transition, the “Call me back” option is selected. The subscriber enters the contact information of the person to whom the request is sent. The forwarding is confirmed and a new page will display notification delivery details.

• note
• This service is provided free of charge and without commission. If replenishing the balance is impossible, and you cannot take out a trust loan, you can use the “Call me back” request.

The subscriber can connect completely free of charge by dialing the key combination *111*32# or using the My Office web application and its mobile version. There is no subscription fee required to use the service.

Call and text SMS at friend's expense

If the client cannot put money on his cell phone, he has access to the service of making a call to the account of another user. To do this, dial contact number 0880 on a mobile phone. The client should listen to the voice informant, and then indicate the interlocutor’s number in 10 digit format. If the other client agrees to pay for the call, the conversation will take place.

MTS auto payment

The MTS operator has many services in case your balance is zero or minus. But why bring your account to such a state?

Replenishment can be automated if you set up autopayment—automatically making payments from a bank card.

You can set it up either according to a schedule or when you reach a threshold - for example, if you have 50 or 100 rubles left in your account, the operator will write off the amount you specified when setting up the payment from the card.

Here are the main advantages of autopayment:

• You will never be left without money on your phone and, accordingly, without communication;
• Zero commission and subscription fee;
• You can pay for your phone or the phones of your loved ones;
• You can set a spending limit on mobile communications from a bank card.

Automatic payment can only be activated in your personal account or in the mobile application, where you can link a bank card. The operator also regularly holds promotions for new users of the service, offering a discount on communication fees for a certain period.

Conditions for providing a credit option

If users request to replenish their balance in debt, the company reserves the right to do this under certain conditions. It is mandatory to withhold a commission (fixed fee), and the subscriber can only make a corresponding request, without changing the remaining clauses of the contract. The size of the allowed limit depends on many conditions:

• how often the consumer used the operator’s offers;
• what amounts are usually borrowed;
• how much he spends, etc.

In this case, the loan is issued for 3 days, no more than 300 RUR, an increase to 400 or 500 is possible, but on other conditions, on an individual basis. Timely replenishment is mandatory, taking into account the fee established for the use of company funds.

Important nuances

The “Express Money” option is provided by one of two organizations: MTS PJSC and MFO LLC Migcredit. In the first case, the service is called a debt limit, in the second - a loan.

“Express Money” can be obtained from MTS or from the credit organization MigCredit. In the first case, with the money received you can buy only MTS services, in the second - all goods and services on the Internet (using the MTS Money wallet).