home Loans Mts bank where to withdraw. MTS Bank credit card: registration, conditions, cash withdrawal. Ways to top up your MTS Money card

Mts bank where to withdraw. MTS Bank credit card: registration, conditions, cash withdrawal. Ways to top up your MTS Money card

When first associated with MTS, the operator that comes to mind is mobile communications, serving millions of subscribers throughout Russia. But today MTS has outgrown its recognizable status, in parallel with its main activities, becoming commercial bank with broad prospects.

Both private and corporate participants become clients of MTS Bank. The financial institution offers the widest forms of lending. The convenience of using the product is associated with the issuance of MTS credit and debit cards, which can be cashed out at any “red” terminal with a small commission or no commission at all. In this article we will talk about how to withdraw funds from an MTS card or partner banks.

Partnership of banks with MTS

The overwhelming number of domestic banks enter into agreements with other financial institutions, which means the beginning of cooperation within the framework of customer service. MTS Bank was no exception, which recently acquired a whole group of friendly banks both in Russia and in Europe.

Interbank partnership opens up new opportunities for clients:

Withdraw money from ATMs of partner banks without commission;
Make transactions from card to card;
Pay utility debts;
Make purchases in stores, etc.

Why did MTS begin to cooperate with other banks? It's all about the low coverage of our country's own ATMs. MTS Bank offices are mainly located in large cities, with few settlements equipped with a much smaller number of bank terminals. Due to the development of the corporate network with other banks, MTS has become more recognizable. Now holders of “red” cards can withdraw cash not only from ATMs of the central office, but also through the terminals of partner banks, without commission or with a minimum percentage.

In general, the benefits of interbank cooperation look something like this:

establishing new banking connections;
maintaining a single corporate line of clients;
expanding the coverage area of ATMs;
service banking products no commission;
speed of cash withdrawal;
Relieving the burden on bank central offices.

Even the most ordinary bank has fairly reputable financial institutions as partners, which means it has the right to count on profits from cooperation.

Who does MTS Bank cooperate with?

Like any other well-known bank, MTS is included in the list of consumer banks providing services both in Russia and abroad. MTS Bank clients can withdraw cash not only in rubles, but also in dollars, euros, hryvnias, Belarusian currency, yuan, etc.

Two banks are considered official partners of MTS Bank:

Sberbank;
VTB.

Particularly worth noting is the cooperation between MTS and Sberbank. In addition to an extensive number of ATMs throughout Russia, both banks offer their customers the “Thank You” service for credit cards.

Where can I withdraw money from MTS cards without commission?

If you need to withdraw money from an MTS card, but you do not want to pay a commission, use one of the following methods:

Cash withdrawal from ATMs of MTS and the corporate network of VTB and Sberbank. It is best to find out about all changes and updates on the official MTS website.
Withdrawing money at MTS cash desks and branches of partner banks. There is no fee for receiving cash only for debit cards (for example, Smart Money MTS) and then only when cashing out at ATMs. Receiving money at the cash desk will cost 0.5% of the withdrawal amount from an MTS Bank card (for comparison, third-party banks will charge 1.5% for a similar procedure). Credit card commission - 3.9% + 350 rubles for the transaction. Bring your passport and a plastic card from MTS (credit or debit).

The bank offers its clients to install the MTS Money mobile application. The program allows you to find out about the terminals closest to your home operating in your city. To receive a request, you need to open the diagram on the “Offices and ATMs” tab.

Today, many people actively use payment by bank transfer and banking plastic cards. This is a quick and easy way to pay bills or transfer money to other people, top up your phone balance, etc. Let's look at the main ways to replenish an MTS Bank card.

Depositing funds through an ATM

You can deposit funds into your account at one of the many ATMs - MTS Bank terminals. To replenish the balance of an MTS Bank card, you can do without visiting a bank branch; do it in. Deposit funds into account debit card or you can repay loan debt through self-service terminals.

So, to top up your card through an ATM you need:

insert the card to which you want to deposit funds into the ATM;
enter the card PIN code;
select the “cash acceptance” item from the menu;
deposit funds following the instructions on the monitor;
Confirm the transaction and collect the receipt.

This procedure will take a few minutes, so most often money is deposited onto the card using the method described above.

Depositing funds to a card via MTS Internet Banking

You can deposit funds to your card using the system mobile banking quickly and simply. You can connect as on an MTS number, which will allow you to repay loans monthly, pay utility bills or top up your balance mobile phone etc. Money will be debited from your accounts at the specified time, so you don’t have to worry about late mandatory payments. With such a system, you can quickly pay taxes, various penalties, and will also be able to track the movement of funds in your accounts.

Depositing money through a cash desk at a bank branch

You have the opportunity to top up your card at MTS Bank at any of its offices. To do this, go to the ticket office with your passport and plastic card. Funds will be transferred to the account immediately after deposit.

Topping up your card with a transfer from other cards

If you want to top up your MTS Bank card using a card from another bank, you can carry out the procedure using the “transfer of funds by card number” service. To transfer funds you need to enter the 16-digit card number and card validity period. The money will be transferred to the recipient's account in a few minutes. There are cases when the wait was up to 2 days (this depends on the conditions of the transfer of the sending bank). Please note that when transferring, a commission fee for the procedure is charged, which is charged by banks for using the services. Transfers of funds between client accounts are carried out without commission.

Depositing funds through the Zolotaya Korona system

To top up your card account, you can use the service “ gold Crown" To do this, you need to contact one of the service points on site. Russian Federation.

To make transfers to an MTS Bank card account using the Zolotaya Korona system, you need to:

contact the nearest Zolotaya Korona point;
take your passport and information about the card that needs to be topped up;
contribute financial resources to the cashier, having previously checked the transfer details reflected on the preliminary check;
sign the check, pick it up and keep it.

Using this system, you can top up your MTS Money card for free, and other MTS Bank cards will charge 1%. Usually money is transferred within 24 hours or the next business day. You can find out more about where to deposit funds on your MTS Bank card, as well as information about the exact location of service points at or check by number hotline.

You received an MTS Money card and wantto know more about its capabilities? The article will tell you about the specifics of the design and use of this product. You will also see the rates available on your account.

The following “plastic” products of MTS Bank received this name:

MTS Money debit card, which is issued to;
and MTS Money Deposit card, which allows you to receive income on your balance own funds.

The features of the products in question are as follows:

their registration is possible outside the bank office;
they allow you to make purchases / pay for services on the Internet;
The cards offer various bonus programs;
Account management is possible using Internet banking and mobile phone.

The bank also offers a set of special options that make MTS Money cards unique:

1. "Mobile"

Activating the service gives clients the opportunity to receive 3% of the amount of non-cash card turnover on their mobile account. That is, all purchases and services paid for by card and not in cash are taken into account.

According to the terms of the program, enrollment of more than 1 thousand rubles is prohibited. per month. The money will be attached to the phone number specified in the application for the card. For a year of connecting the option, 500 rubles will be charged.

2. "Shopping"

The essence of the option is that the bank returns 3% of the amount of transactions performed back to the card for purchases made by the client. There are some nuances:

The service is only available for cards with zero;
purchases made during the month are taken into account;
bonuses are awarded only for payment for services specified in the program terms;
interest is accrued only if more than 15 thousand rubles are used;
per month, no more than 1,500 rubles can be credited to the card. arrived;
the bank will ask for 1.5 thousand rubles to activate the special offer.

3. "Travel"

The feature is designed to save on airfare, hotels and car rentals while on vacation. This bonus system is based on the principle of awarding special points for making purchases using a card:

for every 15 rubles spent within the country, the bank gives the client 1 point (for a Mastercard Standard card you need to spend 20 rubles);
If the specified amounts are spent abroad, then 2 points will be credited to the client’s account.

When leaving on vacation, the points accumulated by the holder will be transferred by the bank into cash at the rate: 1 point - 0.5 rubles. Thus, the card holder has real money that can be spent on certain needs.

The bank also accrues an additional 15% of the average balance of points for last year. But these bonuses will become available only on the next date of use of special units. The validity of the latter is limited to three years.

The service is not available for cards with zero credit limit. The annual cost of the option is 1.3 thousand rubles.

MTS Money credit card

There are two tariffs for this program:

"Plus";
and "Extra";

Both of them are personal and differ from each other in the set of options and capabilities. “Plastic” with the latest tariff is issued only at a bank branch. This results in a complicated registration procedure and a thorough check of the applicant’s information.

The conditions for the MTS Money credit card are as follows:

loan limit - up to 40 thousand rubles. at the “Plus” tariff / up to 600 thousand rubles. on the “Extra” card;
the rate for violating the conditions is 23, 25, 35, 43, 47 and 55%;
minimum obligatory payment for a loan - 10% of the amount of debt, but not less than 100 rubles/1000 rubles;
fine for failure to fulfill loan obligations - 30% of the total amount of debt, but not less than 2 thousand rubles;
late fee - 30% of the required payment, but not less than 1000 rubles. for the first pass, 1500 rub. at the second and 2000 rub. for all subsequent gaps in loan compensation.

MTS Money card: commissions

Additional payments are divided into several groups:

1. Annual maintenance card account:

“Basic” tariff - 300 rubles;
“Plus” - 590 rub.;
and “Extra” - 700 rub.

2. Receiving cash Money:

using your own funds at ATMs and MTS cash desks - free of charge;
withdrawal credit money, regardless of the name of the institution - 350 rubles. and 3.9% of the total amount;
100 rub. when cashing out your savings from other banks;
obtaining a loan without using a card at the MTS cash desk - 4% of the size of the transaction;
request for cash withdrawal at the cash desk without presenting the plastic card - 0.5% of the amount of funds received.

Free cash withdrawals are also available at ATMs or cash desks of the unified payment system. At the same time, in all cases, restrictions on withdrawal amounts are established: per day - no more than 50 thousand rubles, per month - 600 thousand rubles.

3. Cashless transfer from a card account:

to another MTS Money card - free except when used credit funds(here 3.9% of the transfer amount and 350 rubles are charged);
to the accounts of others financial institutions: own funds - 0.3% of the total amount, but not less than 20 rubles. / loan money - as in the previous case;
payment of taxes and other generally obligatory payments - without charging interest;
transfer at a bank cash desk using credit money - 7% of the replenishment amount;
transfer by card number at an ATM, through online or mobile banking - 0.75% from your own funds but not less than 50 rubles. / when using a loan account, the commission amount coincides with the situation of a cashless transfer to another MTS Money card;
implementation specified operations in other banks - 0.3% and not less than 30 rubles. when using your own savings / when paying with credit funds, the charges are the same as in the previous example.

4. Payment for services:

MTS Money card: how to apply online

The bank does not provide the ability to remotely fill out an application for card issue.

In all cases, the following registration procedure applies:

an adult client takes his passport with him and goes to a bank branch or MTS retail outlet;
receives an application form from the employee;
carefully fills out the document;
checks the correctness of the entered data;
signs the form and submits it for processing.

Within a few minutes the card will be handed to the client. The absence of information about a valid registration in the passport is the reason for refusal to issue a card.

Deposit on MTS Money card

The option that provides the opportunity to open a deposit account if you have a card is called “Savings+”. This program is designed to generate profit on the balance of your own funds stored on the card. In this case, the bank offers its clients 7.5% per annum.

The terms of the deposit are as follows:

If the daily balance is more than 300 thousand rubles, then the rate drops to 6% per year.

The bank does not charge any commission for activating the function. And recently, this function is mandatory for all MTS Money cards.

You can also transfer change from your purchases to your savings account. This service is called “Piggy Bank”. The client must be informed about the intention to connect it when registering a savings account or additionally contact the bank office.

convenience and simplicity of product design;
availability of various options to save money;
attractive interest rates.

But there are a few more negative comments from customers. They are not satisfied with:

the presence of many commissions for carrying out transactions even in MTS Bank;
failures when replenishing a credit card, resulting in arrears;
frequent refusals by the institution to increase the credit limit;
refusal of bank employees to explain the situation regarding the accrual of an unreasonable penalty to borrowers.

Remember that in addition to the basic functions, you can also connect additional ones to your card. If you often pay with a card, read the terms of additional options and connect the most suitable one for yourself. Please take into account the fact that these profitable offer paid.
Carefully read the fees for all MTS Money cards. This will help you calculate the total amount of funds required for a particular financial transaction.
When withdrawing cash, give preference to free methods. And remember that there is always a fee for withdrawing credit funds.

Data update date: February 2016.

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I am the owner debit card MTS.Money (received at an MTS store), and for a long time I used it exclusively as a piggy bank card. I paid her for online store services a couple of times, several times through PayPal, paid at terminals, withdrew money from ATMs (of the bank itself and OPC) - I have no complaints about all this. Everything works as it should.

Finally, a certain amount had accumulated on the card, which I needed to withdraw in cash and subsequently spend.
I didn’t find a fee for withdrawing my own funds in the service tariffs, but the Bank’s website posted information that if you need to withdraw money in excess of the daily limit, you need to write an application at the bank’s office and the money can only be received the next day. It was also written there that own funds are withdrawn from the card without commission.

Everything suited me, and I went to the office near Oktyabrskaya metro station. I stood in line and explained the situation to the operator. (I was very pleased with the division of the queue into those with loans and everyone else. It saves a lot of time.) The girl listened politely and handed out a statement: “Write an application to withdraw cash. The commission will be 0.5% of the amount withdrawn.” I was surprised and clarified. However, the operator assured that if the withdrawal is not made through the cash register, then only with a commission.

In the application I was confused by the clause “reason for withdrawal”. When I asked the operator, she said: “Write what happened to your card, why you can’t withdraw money from it.” I explained that there was nothing wrong with the card, it just had limits and I needed to withdraw cash beyond them. To this she said that in this case no application is needed, there should be no limits, and the money can simply be withdrawn at the cash register.

What was unpleasantly surprising was that the cash register is a kind of “aquarium”, the glass of which looks into the hall. This way, anyone could see how much money I was withdrawing. I stood in line at the cash register and described the situation to the cashier. I was very pleased that the cashier checked my passport very thoroughly (even tried to peel off the photo). He named the amount, tried to make a posting - “exceeding the limits.” The cashier suggested trying to withdraw part of the amount - 100,000. I agreed - “exceeding the limits.” The cashier said that I would need to find out through the hotline what my withdrawal limits are and try to withdraw within their limits - she didn’t see any other option.

I called the hotline, where the operator told me that in order to check the limits on the card, he needs to have access to the database, and the database is unavailable due to the update. Well, that means it’s not fate.

In the evening I called the hotline again. The operator checked my passport details and said that the withdrawal limit for MTS.Money cards is up to 100,000 rubles. If you need more, you need to write an application for withdrawal, and she suggested doing this over the phone. I agreed, after which the operator said that the application had been accepted, and offered to choose a bank office convenient for me to receive cash, and clarified that when withdrawing my own funds, no commission was charged. I asked for any office in which the cash register is fenced off from other premises. The operator said that she did not have such information, but suggested an office near Chistye Prudy metro station, because there most likely is one there. I agreed. After which they told me that the money could be collected tomorrow.

The next day I went to the bank branch to get money. First I came to the ticket office (the same aquariums as at the October one - it’s good that there weren’t too many people yet). I told the cashier that I had left an application to withdraw cash in excess of the withdrawal limits, to which she said that she did not have such information, but she would try to post it. The result of the posting is “exceeding limits”. The cashier suggested going to the operating room. In the operating room, the girl operator said that they had not received any application, and money could be withdrawn simply at the cash register. I explained that my card had withdrawal limits and I needed to get a large amount in hand. After that, another bank employee (apparently a senior one) approached me and asked my name and how much I was going to withdraw. This employee called on the phone and asked: “Did a statement come in for ***ov? What is the amount?” Then he said that there really is a withdrawal application, you can get the money, the commission will be 0.5%. I asked why there is a fee if I withdraw my money. To this, the young man said that if he withdraws his money there would be no commission, asked the girl operator with whom I had talked before to do the wiring and left. The girl checked my passport information, checked it against the database and issued an application for cash withdrawal, warning that the commission would be 0.5%. I again explained that I was withdrawing my own money, that on the bank’s website, on the hotline and a few minutes ago the young man had announced that withdrawal of OWN money is not subject to commission. To this the girl said that this is how the program works for her, and either with a commission or not at all.

I was already tired of arguing, so I agreed. The application form for cash withdrawal was given to me the same as previously in the office at Oktyabrskaya metro station. In the “reason for withdrawal” field, the operator suggested writing “due to exceeding the card limits.” After filling out the application, the operator filled out a cash order and directed me to the cashier for money. The cashier checked the order, my passport and issued the funds.

After receiving the money, I returned to the terminal and asked if I would receive an SMS about withdrawing cash, since I was withdrawing using an order. The operator said that if I have SMS notification enabled, the message will come in any case.
However, the SMS never arrived, which I view as a serious security gap. Having subsequently checked the balance, I saw that both the money and the commission had been debited from the account.

In conclusion, we can say that in general the MTS.Money card is quite convenient for daily payments, but keeping large amounts on it (more than 50,000 is the daily withdrawal limit at ATMs) is not profitable. Operators and employees answer questions politely and competently, but are not fully knowledgeable about their own products and services. In addition, the bank is trying with all its might to collect a commission for issuing its own funds to the client, although there is no such information on the website or in the tariffs - this is perhaps the biggest disadvantage.