Step-by-step instructions for applying for a loan on the mobile operator MTS. We top up the balance in debt on MTS - a trust payment or in full trust How to call a debt on MTS

09.10.2022

Where does the dust come from and where does the money disappear? This aphorism perfectly illustrates the state of the cell phone balance. The money on your balance always runs out unexpectedly, and the subscription fee is withdrawn precisely when the balance is close to zero. If you use MTS cellular communications, then this is not a problem, since at any time you can top up your phone balance with credit, or take advantage of other opportunities so as not to be left without communication at the most inopportune moment.

Today we will tell you about MTS services, which open up the opportunity to use cell phone, when the money on your balance runs out and you can’t top up your account.

How to borrow from an operator

The most simple option To quickly top up your cell phone balance when it’s in the red - borrow money from MTS. Despite the ease of replenishing your account in this way, there are some limitations to the “Promised Payment” service. The main one is that the number must be serviced in the operator’s network for more than two months, and you can borrow it if the balance of the MTS number is not lower than minus thirty rubles. You can also always borrow 50 rubles from MTS on your phone if you have a positive balance.

You can also borrow money from MTS for a period not exceeding three days, and you can borrow from the operator no more than eight hundred rubles. This may not be convenient if the monthly fee for the tariff exceeds this amount.

Of course, not every subscriber, and not in every situation, this service can help avoid blocking, since the minus may be greater than the limit allowed for the subscriber. However, it is set in an amount that exceeds the subscription fee according to the tariff for most subscribers. This is due to the fact that MTS determines the amount that can be borrowed on a phone number based on the subscriber’s costs.

You can borrow from MTS more than once, but connect several payments. In this case, several factors are taken into account. The total amount of such payments should not exceed the permissible limit for the telephone number. Also, each of them has its own return time. If one of your payments is late, your number may be blocked.

The cost of the service is determined by the amount that the subscriber can borrow into his MTS account. The user can independently choose which amount should be credited to the balance. You can borrow up to 30 rubles from MTS for free.

There are several ways to activate payment charging, and the subscriber can independently choose the one that is more convenient for him in each specific situation.

As you can see from our table, it is possible to activate the service and borrow money using your MTS number, using the Internet through an application or website, or using a command from the phone, or calling the loan number.

Alternative options

“Promised payment” allows you to quickly top up your balance in any situation if you can’t do it quickly in the usual way. But what to do if you need to use the service often, and you don’t want to overpay by connecting such an option?

The most convenient option for using your phone without having to constantly monitor your balance is the ability to take out a loan on MTS. This opportunity is available to anyone who has been using the operator’s number for more than three months and spends more than two hundred rubles per month on services.

“In full confidence” allows you not to worry that the money will run out unexpectedly, since you can use your cell phone on credit on an ongoing basis. The main thing you need to do is to prevent your number from being blocked. To do this, it is enough to pay the invoice issued by MTS for the services provided by the 24th of each month. You can take out a loan on MTS and check your limit both on the website and via SMS using the command *132#.

This service is also convenient for the operator, and even offers additional privileges when connecting to it. After activation, sixty points are credited to the loyalty program.

The limit for this service is set based on the subscriber's costs. The amount of the monthly bill increased by twenty percent is the amount of the loan that can be obtained.

Considering that the operator recalculates the limit by number every month, it can be fixed at a certain value. You can do this either on the website or from your phone without an Internet connection.

The operator also has several services that will allow those who are not used to taking out loans to stay in touch and use communication services on credit. This is also an opportunity to ask another subscriber to top up the balance of the number, or to call back.

conclusions

Now you know that it is difficult to remain without communication using an MTS number, and if the money on your balance runs out. You can use either a service that allows you to borrow money from the operator or use a credit form of payment.

The first option is available to any subscriber, regardless of how much is spent per month on a cell phone. The only disadvantage is that you have to pay an additional amount for using the service. The credit payment system is provided free of charge to everyone who spends more than two hundred rubles a month on a phone.

Sometimes the money allocated to your mobile account runs out unexpectedly, and you need to make calls urgently and constantly be available for contact. How to borrow on MTS? Absolutely simple. In such a situation, ordering a promised payment quickly helps out, thanks to which it is possible to borrow from the operator mobile communications. The mobile network company took care of its customers by enabling this feature.

You can only use mobile network services with a deposit in your account. If the balance is low and negative (minus), the number is automatically blocked by the system for all outgoing signals. Although receiving incoming voice calls, messages will be possible.

Sometimes you don’t have time to quickly run to a self-service terminal and top up your account mobile number another way, and the fastest and surest option is to borrow money from MTS. The loan procedure from the red operator is called a promised payment, and can be provided to any users of the company in varying amounts. Using the option of borrowing funds - borrowing money from the operator company - is partially permitted, including if there is a minus on the phone - if the minus is not more than 30. With a large loan the function will not connect.

Conditions for providing a credit option

At the user's request, the company issues its loan on its own terms, for a fixed fee for temporary use of them Money. The subscriber can only request the amount he needs; the remaining points of the debt obligations do not change. The permitted 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 from MTS for a phone within the range of 10 - 800 rubles. The limit on the allowed loan amount is determined by the number of mobile services used monthly specific subscriber. For users who top up their smartphone account with less than 300 rubles per month, the largest allowable amount of a temporary loan will be 200 rubles. Credit money from the network company is given for three days. During this period, or upon expiration of the allotted period, it is necessary to reimburse the funds by depositing them into the account of your subscriber number.

The top-up amount must 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 and it will be impossible to make any outgoing communications. The blocking will be automatically lifted after the debt is fully repaid.

How to borrow money for your phone from MTS

The most convenient way to try to borrow money from MTS is to send a USSD request in the format *111*123#. After calling this combination, the smartphone screen will display additional window, in which you need to indicate how much you want to borrow: 50, 100, 150, 200 rubles and so on.

To order the promised payment, you can use:

My MTS application. In the menu you need to find the option at zero, where it is possible to temporarily withdraw funds until the next replenishment to the authorized subscriber number;
You can borrow money on the operator’s official website. After logging into the user account, you need to go to the payment point, then follow the link the desired option. By following the instructions and completing the necessary steps, we receive credit funds to your mobile number;
Another existing method borrow virtual funds from a cellular operator - call 1113, provide the required information, get the desired loan.

The required amount is sent to the subscriber’s number within a few minutes, when the option is activated in absolutely any way. The client receives an SMS message on his smartphone with a notification.

For using the money that the provider lends, a fee is deducted from the account. Borrow from MTS 10 – 29 rubles. possible without a commission, you will only need to return the borrowed amount without overpayment. If you borrow more than 30 rubles, the commission will be written off in the established amount:

For a loan in the range of 31-99 = 7 rubles;
100-199 = 10 rubles;
200-499 = 25 rubles;
more than 500 = 50 rub.

They often borrow 50, 150, 100 rubles from MTS, that is, a round number for convenience. But, a little trick: you can apply for absolutely any loan within the available limits. To save on overpayments, you should borrow not 100, but 99 rubles, not 200, but 199 rubles. Insignificant, but it will cost you less to overpay.

It is not necessary to borrow 200 rubles. on the phone, so that it will certainly be enough. Larger size loan - more commission. With one active loan, if necessary, it is possible to borrow money from MTS again, only the second loan must be more than the first, cover the loan and commission for the previous loan. Thus, the first is paid off and the second becomes the only debt.

The commission fee for using money on credit is written off for each issued loan ordered, that is, every time you take money from MTS. Connecting to the service is free. If you repay the borrowed money in good faith and on time, you can use the promised payment function an unlimited number of times.

Replenishment of account after promised payment

After you have borrowed funds, you must return them. How to independently calculate how much to deposit into your account?

Let’s say there was 1 ruble on your balance, you borrowed 50 rubles from MTS for your phone and made free calls without spending a penny. When, after three days, the operator takes his funds back, a ruble will also remain in the account. When replenishing the balance by any amount, a commission for using the service will be debited - 7 rubles.

Another situation for using a credit limit. If you borrow 100 rubles when your account has a minus, and at the same time spend the borrowed money in full on any needs, then the replenishment amount should cover the entire debt.

For example:

On the account -30 rubles. We borrowed 150 rubles from MTS for a phone.

30+150=120 rub. turned out to be an available balance.

For three days, 100 rubles were written off for paid communication operations. 20 left. Upon expiration of the loan period, if the balance is not topped up ahead of schedule, MTS debits its funds from the subscriber’s mobile account.

It follows from this that you need to put enough bills on your balance to get out of the minus, and so that it is enough to write off the commission for borrowing money from MTS - 10 rubles. It will be possible to use the number with a positive balance on the number account. If there is a minus on the phone, the client’s number is blocked until the debt is repaid.

You can deposit money into your account for the promised payment ahead of schedule, the commission will not be less, it will be debited in any case. If you delay the repayment of loans that you took out, the provider mobile network may block the ability to use the promised payment function for a specific subscriber for a certain period.

Connecting to the service With full trust

The MTS company provides a unique service for communication without restrictions, even with a minus on the phone. The option is called full trust; by activating it, you can use communication services until the credit limit of the number reaches -300 rubles. The spent funds are reimbursed in one replenishment at the end of the month. Pros of this add-on:

activated for free;
There is no additional fee for use;
operates on an ongoing basis.

For those MTS subscribers who actively use the promised payment service and other operator offers, the maximum limit increases after every six months.

Conclusion

The ability to borrow from a mobile operator is a convenient option. It is very easy to activate: you only need one request with mobile smartphone. Loyal reward for using funds of this operator makes the service accessible. The article describes in detail how to borrow money from MTS and how to repay credit debt.

MTS is one of the largest providers in Russia and offers its customers convenient services which are commonly called smart services. This concept is popular among manufacturers and telecommunications providers and involves personalization of services and the ability for customers to customize services at their discretion. The same applies to payment. MTS users can borrow money from their carrier when they have limited funds to top up their plans or prepay.

Get credit from MTS Russia with complete confidence - available from 50 to 3000 rubles

Many clients find it convenient to pay for services once a month; this can be a repayment payment from the company or immediately after receiving a salary once or twice a month. The MTS company met its customers and offered the “In Full Trust” service, which can be used by all subscribers within their average monthly costs. It relieves clients from the need to constantly monitor their balance. On top of all the advantages, this service is also completely free.

On average, subscribers who have activated “On Full Trust” can communicate without the threat of account blocking if the minus balance is less than 300 rubles. The amount depends on the total monthly costs; the increase in available credit funds provided by the provider occurs after 6 months of regular use of the service and can reach 3,000 rubles. With the help of the “On Full Trust” service, you can safely go on a trip around the country, on a business trip, or simply forget to top up your phone - you will always be in touch, regardless of the circumstances.

The “In Full Trust” service makes it possible to:

top up your phone once a month;
do not worry about blocked calls at the most inopportune moment;
do not control your balance after each call;
receive a loan from the provider in the amount of 50% of the average monthly costs within six months;
regularly use a loan of up to 3,000 rubles.

How the service works

The amount that is accrued in the form of a loan within the framework of the “On Full Trust” service depends on your average monthly limit for the use of communication services. If a subscriber spends 500 rubles per month, then he will be given a 600 ruble loan; after six months, this amount will be increased to 750 rubles.

In case of failure to pay the next tranche within the agreed time frame, the limit on using the service will be reduced. The client can fix his limit at a certain amount independently *111*2136#.

Conditions for connecting to the service

the “On Full Trust” option is available to all subscribers except for customers using the Cool, Guest, Internet packages, Your Country, My Friend, Sail+ and Basic 092013 tariffs;
the subscriber spends at least 200 rubles per month (check for the last 3 months);
if there is no debt.

Please note that the settlement method will be changed to deferred payment. To disable, dial *111*32#.

Activation of the “In Full Trust” service

A subscriber can activate the “In Full Trust” service completely free of charge by dialing the key combination *111*32# or using the My Office and its web application mobile version. There is no subscription fee required to use the service.

Bonus points are your savior if you have no funds

When connecting, the subscriber receives 120 bonus points into their account, which can be spent at their discretion, including on free calls. Connect MTS Bonus to get additional benefits from using communication services.

Bonuses from MTS - catalog of rewards.

How to get a loan from MTS with a minus account

Understanding the needs of subscribers, MTS allows you to top up your account on credit if you have a negative balance. This can be done using 4 available methods.

Unforeseen situations often occur when, at the most inopportune moment, the balance runs out of funds, and there is no financial opportunity to replenish the account or there is no suitable payment terminal in the area. What to do? To instantly solve this problem, you can take out a loan from MTS. To achieve this, several convenient services have been implemented that will help you stay in touch. From the article you will find out which ones.

Trust payment service

Have you run out of money on your balance, but are unable to pay for cellular services yourself? There is no nearest terminal or communication shop around, but you don’t want to leave the house? Ask your provider for help. Use the “Promised payment” option. As part of the offer, receive a certain amount for a three-day period of use. Moreover, you can safely count on assistance with zero or even negative conditions, up to 300 rubles. After activation, up to 1000 rubles can be credited.

Depending on the amount of the trust payment provided, the provider may charge money for operating the service:

The specified cash contributions are written off upon activation of each loan in automatic mode, only after the expiration of the service - 3 days, in excess of the amount spent.

The amount of credit funds assigned to each user varies. It all depends on the activity of the consumer and his financial costs for cellular services during the operation of the SIM card:

If the provider has approved the maximum loan amount - 1000 rubles, then you can activate several payments at once, but their total amount should not exceed 1000 rubles.

Otherwise, the option has the following restrictions and features of provision:

The service is open for connection on all tariff plans, with the exception of “Basic”, “Guest” and “Resort”.
To receive financial assistance from the operator, you must have service experience in the MTS network for more than two months.
If there are several personal accounts, then there should be no debts on them.
The service cannot work together with “Credit” and “On Full Trust”.
A tariff system based on deferred payments is not used.
You cannot get a loan if a similar option is already activated on your SIM card. This condition does not apply to clients who have been approved for the maximum amount.
After the completion of the three-day period, the provider blocks the phone number if the resulting debt has not been repaid in full. The account must be replenished with an amount that covers the previous debt and the loan provided.
The service does not affect the calculation features tariff plan.

You can obtain information about connected trust payments at any time in one of the following ways:

In the future, to avoid blocking the number, try to deposit the entire amount that will cover the loan and previous debt.

“In full confidence” service

The proposal will allow you to go into a negative position and at the same time continue to actively consume cellular services without restrictions. The operator provides a preferential limit of a certain size, which depends on the length of service of the company’s client and monthly payments. Connection is free, subscription fee absent.

You can lose up to 300 rubles. After four months of operation, this limit may be increased depending on communication costs plus an additional 20 percent. The provider increases the quota once every 30 days; for this to happen, the following conditions must be met:

The subscriber must pay his bills on time without arrears.
Costs for cellular communication increased.

After activating the option, you can count on the following credit limit:

As a result, you can get a loan for MTS up to 800 rubles. Communication costs phone number are taken into account for the last three months. If you do not have time to pay in time for the connected offers of the provider, the limit is automatically reduced. The minimum bet is 300 rubles. To check and fix the limit, use the USSD command *111*2136#. The option is managed in the personal account environment. Open the installed services section and select the appropriate option from the list.

Features and limitations:

The function is open for activation on almost all operator contracts, except for the “Guest”, “Cool” lines, tariffs for modem and tablet, “Your Country” and “My Friend”.
To activate the option, you must have more than three months of experience in the MTS company, have a positive balance, and have spent more than 200 rubles over the past three months.
The option is not available if one of the personal accounts has a debt. Statistics are taken into account for 30 days.
After launching the function, billing switches to deferred payment.
Owners of the service cannot use the “Trust Payment”.
If you don't use mobile device more than 30 days, the option may be automatically deactivated.
Payment of debt under the offer must be made every month by the 24th. If you want to see the exact amount of debt, then dial *132#. After this, you will receive a notification indicating the limit provided, the amount of funds spent and the period for repayment.
When you consume 75 percent of your quota, you will receive an alert from your provider with a warning.
If you exceed the established limit, the operator suspends servicing the number. To unblock it, top up your account with the specified amount.

How to use

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

From phone

To send a request to connect the “Promised Payment”, enter 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 the “In Full Trust” service, 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 Internet access point.

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

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#.

Lack of money on the phone balance deprives the subscriber of the opportunity to fully use mobile communication services. Each of us can forget in a timely manner and replenish it or temporarily not have such an opportunity. The operator is aware that every day great amount customers are in need of borrowed money, as a result of which services have been created that allow the subscriber to receive a certain amount of money on their phone account, of course, on loan. Knowing how to borrow money from MTS, you can continue to use the operator’s services despite the inability to replenish your account yourself. Today, MTS has several offers for subscribers who need a loan for their mobile account.
You can borrow money from MTS using the following services:

“Promised payment” service;
“In full confidence” service;
“Top up my account” service.

The first two services involve obtaining a loan from the operator. Using the latest service, you can ask someone close to you to top up your account. All services deserve attention, so we will look at them all in detail. Carefully study the material and choose the best way for you to receive a loan for your phone balance.

Service "Promised payment"

Don’t know how to borrow money from MTS? We recommend that you first study the service. This service is the most popular among subscribers who decide to borrow money from the operator. Most often, MTS clients borrow from the operator in this way. There are good reasons for the popularity of the service. It is really convenient and can help out in a difficult situation. We have already talked about this service, so now we will consider only the basic conditions.
As part of the MTS “Promised Payment” service, it is possible to receive up to 800 rubles to your mobile phone balance, while the duration of the service is 3 days. The loan amount that will be available to you depends on your average monthly communication expenses and the duration of use of MTS services. For the operator, these factors are evidence of your reliability. The longer you are a client of MTS and the more substantial your spending, the greater the trust in you and, accordingly, the size of the promised payment.

Unfortunately, the operator does not lend without his own benefit. Before you borrow money from MTS using the “Promised Payment” service, you should familiarize yourself with the size of the commission. There is no single commission for receiving a trust payment. The amount of the service fee depends on the loan amount. Below are the commission amounts:

Commission amount for the “Promised Payment” service:

Up to 99 rubles (commission - 7 rubles);
From 100 to 199 rubles (commission - 10 rubles);
From 200 to 499 rubles (commission - 25 rubles);
More than 500 rubles (commission - 50 rubles).

If the size of the commission suits you, you can safely take the promised payment. The service is available to all MTS subscribers. The main thing is that the phone balance is at least minus 30 rubles. If the balance is positive, the amount of the promised payment is 50 rubles the same for all subscribers. To take the promised payment, dial * 111 * 123 # on your phone or call 1113 . Activation of the service is also possible through your MTS personal account.

“In full confidence” service

The promised payment is not the only way to receive borrowed funds on your phone balance. If you are thinking about how to borrow money from MTS, you should also familiarize yourself with the “In Full Trust” service. This service also provides for the possibility of using borrowed funds, but it is completely different from the promised payment. Essentially these are two different services. With this service, you can continue to use communication services even with a negative balance. The operator sets a limit until which you can use your mobile phone as usual. Initially, the subscriber is given the opportunity to spend up to minus 300 rubles; in the future, this limit can be increased. We already have it on our website detailed review“In full confidence” services, so now we will consider only the main aspects.

Conditions for connecting to the “In Full Trust” service:

More than 90 days have passed since the purchase of the SIM card;
Average monthly communication expenses over the last three months exceed 200 rubles;
At the time of connection, there must be money on your balance (it is enough to have at least 1 ruble in your account).

If all these conditions are met, you can afford to connect to this service. To activate the “In Full Trust” service, dial the command * 111 * 32 # on your phone or use personal account MTS. Before borrowing money from MTS in this way, we recommend that you carefully read the features of the “In Full Trust” service. A link to a detailed review is provided above.

“Top up my account” service

Above we looked at ways to get a loan for your phone balance from an operator. MTS also has a “Top up my account” service, which allows you to ask someone close to you to top up your account. The service is free and does not require prior connection. The essence of the service is that you send free SMS to a friend with a request to top up your account. Next, you just have to hope that your request will be responded to. The subscriber can top up your account in any convenient way or even.

To send your request to top up your account, dial the following command on your phone: *116* subscriber number#. Almost instantly on specified number You will receive an SMS with the text: “Please top up my account.” You can send 5 such requests for free per day. It is also worth mentioning the existence of a similar service. With this service you can send a free SMS asking them to call you back. When the subscriber calls you back, you can ask him to top up your account. If none of your loved ones can help you, the promised payment will help you out.