Do you often run out of funds on your balance sheet? If yes, then you are well aware that this can cause a lot of trouble. Especially if there are no terminals nearby. Indeed, in this case, you will have to wait for an opportunity to deposit money into the account. The MTS operator decided to meet the needs of its subscribers and therefore introduced several new commands that can help in this difficult situation. The subscriber can now "ask" for a loan. Both friends connected to the operator and the operator itself can act as borrowers. Let's take a closer look at how to borrow money on MTS if they run out.
Promised payment
The amount of this payment from MTS is calculated based on how much money is spent on the operator's services. If you want to increase the limit, you just need to use the various paid options more actively. And therefore, we can say with confidence that there is a clear relationship between your monthly expenses for communication services and the amount provided by the operator for this payment. You can activate this option in your personal account. There is also an option to call the service phone number.
This option is not free. The cost of its connection is calculated based on the exact amount you replenished your account. On average, this commission ranges from 7 to 50 rubles, that is, it can vary.
MTS allows subscribers to always stay in touch
In full trust
Subscribers consider that the main advantage of the option is that it is completely free. That is, you do not need to pay for its connection or use, which is very profitable. Moreover, for all subscribers who use the service for six months, the operator increases the additional limit free of charge. The amount of its increase also depends on your spending on communication services during the month. Ways to connect option:
- by sending a request from your mobile;
- by visiting your office on the MTS website.
After these simple manipulations, the service will be connected. Some subscribers who spend a lot of money on communication services are afraid of a significant increase in the limit. After all, it can be difficult to repay it in a certain situation. We hasten to reassure you, you can adjust its increase. For example, you have the option of fixing the limit.
You can use it after sending the command to *111*2136#. Keep in mind that you can undo a commit at any time.
Please note that after connecting the described option, the payment method for you will be changed. It will become credit. What does this mean? After changing the calculation to credit, you will need to pay a monthly fee on the invoice that the operator will issue. If you miss a payment, your number will be blocked. Therefore, when wondering how to borrow money from MTS, remember the need to pay for all services in a timely manner.
Despite such conditions, the option is very popular among subscribers connected to the MTS operator. However, not every subscriber has the opportunity to activate this service.
The operator imposes certain requirements on those wishing to connect it:
- subscribers must pay for all services in a timely manner;
- the service is provided exclusively to those subscribers who have been connected to the operator for at least 3 months;
- every month, the subscriber must transfer about 300 rubles for this option;
- there must be no debt on personal accounts.
Only those subscribers who meet the above requirements can activate this option.
MTS teams
Top up my account
Previously, many actively used the service, which allowed them to transfer funds from their personal account to the account of another subscriber. However, the service is currently unavailable. But this does not mean that the user will not be able to ask his friend for a loan. You can only specifically ask a friend to transfer funds to the mobile balance using a request.
The main advantage of the option is that it can be used even while roaming. At the same time, you can send a request to replenish the account even to those subscribers who are connected to other operators. This option will not cost money, does not charge any commission from the subscriber. It is noteworthy that the subscriber will be able to transfer funds to your phone in any way convenient for him. You can replenish through any terminal or via the Internet.
To send an SMS to a user and ask for funds, use the short command - *116*your friend's mobile number#. As soon as you use this command, your friend will receive an SMS message. It will contain a request for a transfer of funds, as well as a mobile number.
Each of us has faced the problem when you need to stay in touch with people, and the money on the balance sheet has ended abruptly. It's good when there is a terminal nearby and you can easily replenish your account, but what can you do if there is no such possibility?
After all, we are not always in the city, and being in nature or on the road to put money on a mobile phone is much more difficult. However, the mobile operator MTS has found a way out even of this situation.
The company provides an excellent opportunity for its subscribers to borrow money directly from the operator.
When the balance is close to zero, only one thought can come to mind about how to borrow money on mts. By connecting yourself with the option to borrow funds, they are automatically placed on your balance.
After that, they can be used for any types of services, according to the tariff plan for your number. The subscriber can receive for up to 3 days an amount of up to 800 rubles.
This service is available only to those subscribers whose balance has not exceeded the debt of 30 rubles. This type of loan is available to subscribers of any tariff plans, except for the following tariff line: "Your country", "Guest", "Basic 092013" and "MTS iPad".
How to borrow money on mts?
There is a special service that allows you to borrow a certain amount of funds from a telecom operator, it is called "Promised Payment". Its essence is as follows.
When the need arises, the subscriber orders this option, which allows you to top up your SIM card account on credit. The amount that you can count on directly depends on the previous communication costs for a monthly period of time.
Subscribers who meet the following requirements can use the promised payment:
- do not use deferred payment;
- services "Credit" or "On full trust" are not connected;
- The already connected promised payment does not work.
It is also worth considering the fact that if a subscriber uses MTS services for no more than 60 days or he has a debt on the first day of a given month, then the promised payment will be available only with a positive account and only in the amount of 50 rubles.
To activate the "Promised payment" option, type the following USSD command * 111 * 123 # on the keyboard. You can also use a personal Internet assistant, where you will need to go to the "Payment" menu, then select the "Promised Payment" item.
Or just call the special number 1113. As you can see, almost every subscriber can borrow on mts on the phone. The only thing is that the loan amount will depend on the funds spent on the subscriber's communication in previous months.
Depending on the amount of the promised payment, the client will be charged a different fee. If the loan is up to 30 rubles, then the service is free, if the payment is in the amount of 31 to 99 rubles, then an additional 7 rubles will be charged from the subscriber for using the service.
The greater the amount of borrowed funds, the greater the fee for their use. The subscriber can set the amount of this payment independently, only the upper limit is limited.
How to borrow on mts on an MTS modem?
If you need to replenish your account on an Internet modem from MTS, but there is no such possibility, then you can connect the “Promised Payment” directly from your personal account.
Tariffs for this type of service are exactly the same as for a mobile phone. In order to connect this option, log in to the Internet assistant, then go to the "Payment" section, and then select the "Promised payment" subsection.
Select the required amount and activate the service. After that, the selected amount will be credited to your balance. After the subscriber replenishes his personal account, the funds will be automatically withheld to pay off the debt.
Even the most prudent and prudent people sometimes encounter unexpected difficulties that require an instant decision from them. Well, if the problem is a negative balance or lack of money on the mobile. In such situations, it is enough to figure out how to borrow money on MTS, and calmly use the connection. This mobile company appreciates customer loyalty and is ready to meet them halfway.
The main thing is to return the received loans in a timely manner, and then the subscribers will not only have no problems with calls, but will also have the opportunity to receive quite serious amounts on credit to the account.
How to borrow 50 rubles on MTS on a phone?
MTS customers who suddenly run out of money are offered to use two options for replenishing their balance in debt. For subscribers who want to take 50 rubles, special options are available:
- Promised payment;
- In full confidence.
To use one of these services, you cannot have debts on any of the client's SIM cards connected at the offices of this mobile company. Additionally, the time during which the subscriber uses the communication of this mobile company and monthly costs is taken into account. The maximum loan amount that the user is able to count on depends on the funds spent. It will not be possible to borrow more than a monthly rate, so you should correctly calculate requests so as not to be refused.
How to borrow money on MTS 100 rubles to the phone?
The easiest and most affordable way to get a loan and replenish the balance is to use the "promised payment" service. To activate the option, just dial a short USSD command *111*123#xxx on your mobile phone, where xxx is the borrowed amount. It can range from 50 to 800 rubles, including 100 rubles or another amount from the specified range.
If using the command is inconvenient, you should call the service number 1113. Next, you will need to listen to the answer and specify the parameters for receiving funds. The balance will be replenished almost instantly, and the user will almost immediately be able to make calls and use other services of the mobile company.
It should be noted that, depending on the size of the debt, a subscription fee may be charged.
Its size depends on the region where the SIM card is connected, so the exact figures should be clarified at the service office or at the contact center (88002500890).
How to borrow 200 rubles on MTS on a phone?
Those wishing to take a large amount should use the option “on full trust”. With its help, you can take not only 200 rubles, but also 3000. The main condition for obtaining a large loan is the monthly expenses mentioned above. The calculation is based on the costs for the last three months, and the total amount must be 2 times less than the subscriber's usual monthly expenses for the phone.
To activate the service, you will have to dial the command *111*32#xxx . XXX is the amount requested by the client. The number of loans is not limited.
The only condition that must be met is that the old debt must be repaid before receiving a new one.
How to borrow on MTS with a negative balance?
In addition to the options listed, there are other ways to contact friends with a minus on the account or a zero balance. Users should use the following services:
- Call me back;
- Help out;
- Top up my account.
In the first case, the interlocutor will receive a message with a request to call the number indicated in the message. The second option will allow the subscriber to contact the interlocutor at his expense. The third option assumes that the subscriber who received the message will replenish the account of the friend who sent the request.
How to borrow?
Those who have not yet decided how to borrow money on MTS should not worry about the consequences and calmly choose the most preferable and convenient option from those listed above. But it must be remembered that borrowed funds should be returned as soon as possible. This will allow you to continue using cellular communications and, if the need arises again, to receive repeated loans. Their number is not limited, but each new debt must be issued after the full repayment of the previous one.
Sometimes the money put on a mobile account ends unexpectedly, and it is necessary to make calls urgently and constantly be available for contact. How to borrow on MTS? Absolutely simple. In such a situation, the order of the promised payment quickly helps out, thanks to which it is possible to borrow from a mobile operator. The mobile network company took care of customers by enabling this feature.
The use of mobile network services is allowed only with a deposit on the account. If the balance is low or negative (when minus) the number is automatically blocked by the system for all outgoing signals. While receiving incoming voice calls, messages will be possible.
There is no time to quickly run to the self-service terminal, top up your mobile number in another way, and the fastest sure option is to borrow money from MTS. The loan procedure from the red operator is called the promised payment, it can be provided to any users of the company in different amounts. Using the option of borrowing funds - borrowing from the operator company - is partially allowed, including with a minus on the phone - if the minus is not more than 30. With a large credit function does not connect.
Conditions for granting a credit option
At the request of the user, the company issues its loan on its own terms, for a fixed fee for the temporary use of their funds. The subscriber can only request the amount he needs, the rest of the debt obligations do not change. The allowed limit, how much money is allowed to be borrowed, is different for everyone, depending on the frequency of use of the operator's offers by the consumer.
It is permissible to borrow a loan from MTS to a phone in the range of 10 - 800 rubles. The limit of the allowed loan amount is determined by the number of mobile communication services used by a certain subscriber on a monthly basis. For users who top up their smartphone account for less than 300 rubles / month, the largest allowable amount of temporary loan will be 200 rubles. Credit money from the network company is given for three days. During this period, or after the expiration of the allotted period, it is necessary to reimburse the funds by depositing them into the account of your subscriber number.
The replenishment amount should cover the amount of debt taken on the phone plus a fee for the temporary use of money. If you create a deposit within the allotted period, the number will be blocked, it will be impossible to make any outgoing communications. The blocking will be automatically lifted after the full repayment of the debt.
How to take money to the phone from MTS
The most convenient way to make an attempt to borrow money from MTS is to send USSD - a request in the format *111*123#. After calling this combination, an additional window will appear on the smartphone screen in which you need to specify how much you want to borrow: 50, 100, 150, 200 rubles and so on.
To order the promised payment, you can use:
- Application My MTS. In the menu, you need to find the item of opportunities at zero, there it is possible to take funds temporarily limited until the next replenishment to an authorized subscriber number;
- You can borrow money on the official website of the operator. After entering the user account, you need to go to the payment point, then follow the link of the desired option. Following the instructions, having performed the necessary actions, we receive credit funds to our mobile number;
- Another existing way to borrow virtual funds from a mobile operator is to call 1113, indicate the required information, and receive the desired loan.
The required amount is transferred to the subscriber's number within a few minutes, when the option is activated in any way. The client receives an SMS message on a smartphone with a notification.
For the use of the money that the provider lends, a fee is deducted from the account. Borrow at MTS 10 - 29 rubles. It is possible without a commission, it will be necessary to return only the borrowed amount without overpayment. If you borrow more than 30 rubles, the commission will be deducted in the prescribed amount:
- For a loan within 31-99 = 7 rubles;
- 100-199 = 10 rubles;
- 200-499 = 25 rubles;
- more than 500 = 50 rubles.
They often borrow 50, 150, 100 rubles on MTS, that is, a round number for convenience. But, a little trick: you can draw up absolutely any loan within the available limits. To save on overpayment, you should borrow not 100, but 99 rubles, not 200, but 199 rubles. Slightly, but will pay less.
It is not necessary to borrow 200 rubles. on the phone to make sure it was enough. The larger the loan, the higher the commission. With one active loan, if necessary, it is possible to borrow money from MTS again, only the second loan should be larger than the first, cover the loan and the commission for the previous loan. Thus, the first is repaid, and the second becomes the only debt.
The commission fee for using money in debt is debited for each ordered issued loan, that is, every time you take money from MTS. Service connection is free. With a conscientious and timely return of borrowed money, you can use the promised payment function an unlimited number of times.
Replenishment of the account after the promised payment
Once you have borrowed money, you must pay it back. How to independently calculate how much to put into the account?
Let's say there was 1 ruble on the balance sheet, they borrowed 50 rubles on the phone from MTS and made free calls without spending a penny. When, after three days, the operator withdraws his funds back, the ruble will also remain in the account. When replenishing the balance for any amount, a commission for using the service will be debited - 7 rubles.
Another situation is the use of a credit limit. If you borrow 100 rubles with a minus in your account, and at the same time spend the borrowed money in full for any needs, then the replenishment amount should cover the entire debt.
For instance:
On the account -30 r. They borrowed 150 rubles from MTS on the phone.
30+150=120 rubles appeared to be in balance.
For three days, 100 rubles were written off for paid communication operations. There are 20 left. At the end of the crediting period, if the balance is not replenished ahead of schedule, MTS debits its funds from the subscriber's mobile account.
From this it follows that you need to put so many banknotes on the balance to get out of the minus, and so that it is enough to write off the commission for borrowing money on MTS - 10 rubles. It will be possible to use the number with a positive balance on the account of the number. With a minus on the phone, the client's number is blocked until the debt is paid off.
You can deposit money into the account for the promised payment ahead of schedule, the commission will not be less, it will be written off in any case. If you delay the return of loans that were borrowed, the mobile network provider may block the possibility of using the promised payment function for a specific subscriber for a certain period.
Activation of the service On full trust
MTS provides a unique service for communication without restrictions, even with a minus on the phone. The option is called on full trust, by connecting it, you can use communication services until the credit limit of the number reaches the value of -300 rubles. The funds spent are reimbursed in one replenishment at the end of the month. Pros of this add-on:
- activated for free;
- there is no additional usage fee;
- operates on an ongoing basis.
For those MTS subscribers who actively use the promised payment service and other offers of the operator, after every six months the maximum limit increases.
Conclusion
The ability to borrow from a mobile operator is a convenient option. It is activated very easily: you only need one request from your mobile smartphone. Loyal cheat for using the funds of this operator makes the service available. The article describes in detail how to borrow on MTS, and how to repay credit debt.
The negative balance problem can cause a lot of trouble. It’s good if there is a payment terminal within reach, and you can quickly replenish your account. Unfortunately, this is not always available, but the problem can be solved in another way - by borrowing some money from the operator or from friends.
The MTS service "Promised Payment" is the very first thing you remember when the phone suddenly runs out of money. This is the easiest and fastest way to borrow money on MTS.
"Promised payment" can be used if the balance on your account does not exceed minus 30 rubles.
By activating the "Promised Payment", you will receive an amount of up to 800 rubles to your account for a period of 3 days.
How is the Promised Payment amount calculated? It's simple: the more you spend on communication services per month, the more the operator is willing to lend you.
With expenses for communication services up to 300 rubles. per month, the amount of the promised payment will be 200 rubles. If your monthly expenses range from 301 to 500 rubles per month, you can count on the amount of 400 rubles. If every month you spend more than 501 rubles, then you can borrow 800 rubles from MTS.
The Promised Payment service is paid. Depending on the amount credited to your account, the operator charges a commission from 7 to 50 rubles.
You can borrow on MTS using the "Promised Payment" in one of the following ways:
- Send a USSD request to ✶111✶123#.
- Call the short number 1113 and follow the instructions of the autoinformer.
- In the “MTS Personal Account” (login.mts.ru). Enter the "Payment" section and select the "Promised payment" subsection.
Service "In full confidence"
By activating the “On full trust” service from MTS just once, you no longer have to worry that when you reach zero balance, you may suddenly be left without a connection. The thing is that this service provides an additional limit of 300 rubles. So you can safely continue to use the services of the operator until your balance reaches minus 300 rubles.
The service "On full trust" is provided absolutely free of charge - there is no monthly fee or connection fee, which is a definite plus compared to the "Promised payment". And if you use the "Full Trust" service for 6 months, the operator can increase your limit by 50% of your monthly communication costs.
You can activate the “Full Trust” service using the USSD command ✶111✶32# or in the MTS “Personal Account” (in the “Full Trust” section, “Limit Management” subsection).
If you are afraid that over time the limit available to you may become prohibitive and you will not be able to repay it, then I hasten to please you: the service "On full trust" allows you to fix your limit or resume limit recalculation depending on expenses. To do this, you just need to send a USSD request ✶111✶2136# from your mobile phone.
When activating the “On full trust” service, the payment method changes to credit. This means that now you will need to pay for mobile services once a month, according to the invoice, otherwise your number will be blocked!
Alas, the opportunity to borrow on MTS in this way is not provided to every subscriber. The thing is that MTS has established some conditions for providing the option:
- timely and full payment for mobile services;
- period of use of mobile services for at least 3 months;
- monthly communication costs of at least 300 rubles;
- absence of debts on other personal accounts in MTS.
In addition, the “On Full Trust” service is not provided to subscribers of the “Classy” and “Your Country” tariff plans, as well as the “Guest”, “MTS Connect”, “MTS iPad”, “Smile+”, “My Friend” tariff lines, "Base".
How to borrow on MTS from friends?
Until recently, MTS had the Direct Transfer service, when you could replenish the balance of another MTS subscriber simply by transferring money from your account to his phone account using a regular USSD command. Unfortunately, today this service is not available, and you will no longer be able to borrow on MTS from friends in this way.
As an alternative, the operator offers to send a request to replenish the account to one of your friends or relatives, and then just hope for his responsibility and wait patiently for him to be able to replenish your balance (either from his credit card via Internet or SMS banking, or through the terminal payment, or in some other way).
It’s good that this service is free, does not require connection and is available both in the home region and in roaming, and you can send a request to replenish your account to any mobile operator (not only MTS, but also Megafon or Beeline).
To send a message to a friend with a request to top up your phone balance, you need to dial the USSD command ✶116✶number# from your mobile phone.
"Number" is the phone number of the subscriber to whom you are sending the request. It can be dialed in any format: 9101234567, +79101234567, 89101234567 or 79101234567.
In the request, you can also specify the amount by which you need to replenish your balance. To do this, dial the USSD command of the form ✶116✶number✶amount#.
The subscriber whose number you specified in the request will receive an SMS message with the text: "Please top up my account."
Another way to ask a friend for a loan is to send a request to replenish your balance through the mobile portal ✶111# and select the menu item "Top up my account". Or you can use the direct command ✶111✶7#.
But what if you need to make an urgent call and you can't afford to wait for your friend to top up your phone? It remains to use the "Help Out" service and call at the expense of another subscriber.
How to make a call at the expense of another subscriber? "Rescue" service
I think you will be pleased to know that there is a way to make a call or send an SMS in case of emergency, even with a zero or negative balance.
This service will help you "Rescue". Using it, you can call MTS subscribers (as well as send SMS in your home region) at their expense, and it will not cost you a penny.
There are two ways to call another MTS subscriber at his expense:
Dial 0880 and after the autoinformer answers, enter the number of the called subscriber in 10-digit format (without 8 or +7).
Dial 0880 number (subscriber's number should be dialed in 10-digit format).
After that, the called subscriber will receive an incoming call. If he answers the call, the autoinformer will offer him to take the call at his own expense. If the called subscriber is busy or unavailable, he will receive an SMS message asking him to call back.
To send SMS to an MTS subscriber at his expense, you need to enter the subscriber's number with the prefix 5880. After receiving the consent of the addressee, the SMS will be delivered at his expense.
The Help Out service is available even in international roaming. This can be incredibly useful if you are in a foreign country and suddenly find yourself in an unpleasant situation, or without money in your pocket, or simply do not know how to top up your phone balance.
In order to call another MTS Russia subscriber while in international roaming at his expense, dial the USSD command: ✶880✶number#. Dial the subscriber's number without 8 or +7.
