Megafon's virtual debit card allows you to pay for goods and services using your smartphone. And not just with its help, but directly from the subscriber account of the mobile number! The product is intended for those whose phones can make contactless payments in stores. The card is issued by the little-known bank “Round” under the Megafon brand.
Taking into account the peculiarities of the service, the card received few interesting characteristics in numbers. We have listed them in this small table.
| Characteristic | Conditions |
| Issue cost | for free |
| Maintenance cost, per year | for free |
| Cashback | from 0 to 5% |
| Interest on balance | from 6 to 10% |
| Cash withdrawal from an ATM | from 0 to 4.5% |
Design!
However, faceless numbers do not fully reflect the advantages and disadvantages of Megafon’s digital map. To find out, you just need to read the full text of the review.
What it is?
The MegaFon digital card is an electronic analogue of the plastic one, intended for payment both on the Internet and in regular stores, if the phone is equipped with an NFC chip and supports contactless payment.
Belongs to the MasterCard payment system (Prepaid category). The issuer is Bank Round. Registration is available only to existing subscribers - individuals; corporate numbers cannot be used.
How it works
The digital card balance is linked to the phone balance. The tariff (Lite, Standard, Maximum) is connected to the number and implies additional bonuses (cashback, megabytes, partner promotions).
The money is stored in the personal account of the mobile operator and is not exposed to the risks of the financial system (revocation of the bank’s license, blocking in accordance with the anti-money laundering law No. 115-FZ).
Terms of use
Issue, reissue, SMS notification and SMS banking are free. The standard validity period is 3 years.
The following details are available:
- number;
- validity;
- security code CVC2;
- PIN.
Contactless payments are possible online and in regular stores. Only your own funds are used for payment. You cannot use funds received as part of the “Promised Payment” or as a minimum advance payment. When you activate the “Ban on mobile payments” payment for purchases is impossible.
Internet bank
MegaFon Bank's online service (bank.megafon.bank) is accessible from a desktop computer, laptop and smartphone (the site is adapted for viewing on gadgets).
Wide functionality:
- transaction control;
- card management (ordering a new one, blocking, connecting services);
- payments and transfers;
- refill;
- telephone payment (including numbers of loved ones);
- tracking bonuses and cashback.
Mobile app
Options have been developed for iOS and Android. Available for free download. The functionality is not inferior to online banking:
- management of the card and deposited funds;
- expense reports for any period, transaction control;
- payments and transfers;
- replenish your phone balance (your own and your loved ones);
- tracking bonuses and cashback;
- chat with technical support staff;
- sending receipts by e-mail upon request;
- tracking promotional codes from partners.
Safety
All money is reliably protected from intruders; Megafon uses modern security standards and Mastercard technologies. All data transfers between the bank and the operator are carried out in encrypted form. Card details are not stored in Megafon Bank, but are only requested if necessary via a secure SSL connection.
If you have lost your bank card or it has been stolen, take care of timely blocking using a simple command via SMS message: send BLOCK to 5555 and the card will be instantly blocked.
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.
Cashback
For transactions using a Megafon bank virtual card, ruble cashback is awarded monthly. You can manage your savings at your own discretion. It is convenient to track in the application and online banking.
Conditions
According to the Light tariff, a refund of part of the purchase price is not provided, according to the Standard - 1%, and according to the Maximum - 1.5%.
Increased cashback is awarded in special categories:
- gas station;
- cinemas;
- grocery supermarkets;
- taxi services, car sharing;
- cafes and fast food;
- children's goods and clothing;
- all entertainment (cinemas, museums, theaters, concerts).
Maximum cashback – 1000 rubles. per month in each category (in “All Entertainment” - 2000). It is allowed to connect any quantity (independent construction of the receiving scheme). But all categories are paid. “All entertainment” – 199 rubles, others – 119 rubles per month.
Let's analyze the accrual according to the Standard tariff. Over the course of a month, 10,000 was spent in supermarkets (increased returns are enabled), 3,000 was spent at the partner Heinemann duty-free in Sheremetyevo, and 15,000 in other purchases were made.
Based on the results of the billing period, we get 10000*0.05 + 3000*0.1 +15000*0.01 = 950 rubles. The rounding method is not mentioned in the rules.
Partners
Affiliate retail outlets offer increased cashback up to 20%. Before making a purchase, you must check the terms and conditions. Each partner sets the size, minimum and maximum purchase amount, and types of goods participating in the promotion.
At this stage there are very few partners, only 61, but the number is constantly increasing. Kanzler gives 10%, NYX 15%, L'Etoile up to 7.2%, Whirlpool 25%, Auchan 2.8%, Heinemann duty free in Sheremetyevo 10%.
Features of accrual
Cashback is not awarded for:
- cash withdrawal and replenishment;
- transfers to electronic wallets;
- payment for communication services;
- translations.
Limits
The maximum possible transaction amounts on VK are slightly lower than on plastic ones. Users have the right to spend:
- per day - 60,000. You can receive 5,000 in cash, transfer 15,000, or spend all 60,000 on purchases;
- per month – 100,000. The entire amount is available to pay for goods or 40,000 each for transfers and withdrawals.
The Megafon virtual bank card is a product with the most stringent limits in the line. They can only be expanded with material media. If you want to spend more, go with your passport to the nearest operator’s service office and order a plastic credit card. With it, the daily limits will increase to hundreds of thousands with the opportunity to spend them on any operation. Monthly payments will increase to 600,000 - all for purchases or 300,000 each for withdrawals and transfers.
How to use
You can use it in two ways: for online shopping and for contactless payment. It is convenient to track transactions on the Megafon Bank website or application or by sending an SMS to 5555 with the text HISTORY.
The balance and transaction history are available even in the absence of the Internet. MegaFon-Protection from random paid subscriptions is connected for free.
If difficulties arise, it is advisable to contact the employees, they will tell you how to use the Megafon digital card correctly:
- 8-800-550-55-00;
- +7-495-540-82-92;
- 5555.
How to pay for purchases
Payments online and offline are the same as with regular plastic. When shopping online, the transaction is confirmed by a code from SMS (3D-Secure technology). There are all the necessary details to fill out the payment form.
When making purchases in regular stores using a smartphone with NFC, you must enter a PIN if the amount is more than 1000 rubles.
Cash deposits and withdrawals
The following options are available for replenishment:
- telephone account;
- ATM with NFC technology support;
- payment terminal;
- mobile app;
- online bank.
Cash withdrawal:
- up to 10,000 with a monthly turnover of more than 3,000 – free;
- up to 10,000 – 2.5%;
- 10001-50000 – 3,5%;
- over 50001 – 4.5%.
Transfers to other cards
For transfers, you must use the online service or mobile application of MegaFon Bank.
Money can be transferred:
- instantly free of charge to other bank clients or to MTS cards;
- to cards of third-party banks with a commission of 1.99% (by number or details), crediting up to 5 business days;
- to an electronic wallet with a commission of 8%, instant credit;
- through the Unistream money transfer system (3%).
In the application, it is possible to send funds to a Sberbank card without commission using the recipient’s phone number. You can use the MoneySand transfer system from MasterCard, but there are restrictions: a minimum of 100 rubles, you are allowed to send a maximum of 15,000 at a time, and no more than 40,000 per day.
Transfers in your personal account are only available from your phone account.
Limits and restrictions
There are restrictions on use. Daily limit – 60,000 (cash withdrawals – 5,000, transfers – 15,000, non-cash payments – 60,000). Monthly limit – 100,000 (cash withdrawals – 40,000, transfers – 40,000, non-cash payments – 100,000).
To remove restrictions, you must undergo full verification by visiting a communication salon. It is not necessary to receive plastic. But if it was issued earlier, then the extended limits apply to the virtual card. The daily limit will be 100,000, monthly – 600,000.
Megafon Bank application
The operator has developed a convenient free Megafon Bank application, which allows you to monitor the status of your card account online, as well as the history of purchases and transactions. The application makes it possible to control the balance of the phones of your loved ones in order, if necessary, to replenish it in a timely manner. In order to start using the application, it is not necessary to issue a card. All you need to do is download and install the application on your mobile device or register on the website bank.megafon.ru.
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).
Comparison with Sberbank and MTS products
The Sberbank virtual card belongs to the Visa payment system; holders can enjoy Platinum class privileges. This can only be issued to existing clients over 14 years of age who have an active debit card connected to Sberbank Online.
Annual maintenance is free, valid for 3 years. All contactless payment technologies are supported. In the mobile application, in addition to managing hosted funds, it is possible to communicate with other users.
Limits on operations correspond to the main plastic. Cash withdrawals are available at ATMs that support contactless technology.
MTS.Money is easy to apply for yourself. Issue and annual maintenance are free, valid for 3 years, Standard level privileges from the MasterCard payment system are available.
Cash withdrawals are not permitted. Monthly turnover is limited to 200,000, maximum balance allowed is 60,000. The account is not linked to a telephone account. The issuer is MTS Bank. You can only get 1 virtual card per account.
Megafon virtual bank card
A virtual card (VC) has a huge advantage over “natural” plastic - it cannot be lost. Otherwise, it is the same payment instrument that has:
- 16-digit number;
- Security code CVC2;
- PIN code.
You can use a virtual card to pay for goods and services on the Internet. The card can also be used offline if the owner’s phone has a function that supports NFC contactless payments.
Review analysis
The holders are satisfied with the conditions and it is convenient to pay. It is allowed to withdraw money to Sberbank plastic without commission. You only have to put up with low transaction limits. Most of the complaints are about incompetent support service and slow resolution of issues.
The application for smartphones based on iOS and Android is unfinished; they prefer to use the online service. Cashback is credited on time, but often with errors. The statistics for displaying transactions is also lame; all transactions have to be monitored.
