What is a MegaFon digital card?

The MegaFon card is a digital card with full functionality, the account of which is the account of your phone. So, when making purchases using a MegaFon card, money will be debited from the phone balance. And vice versa: when you top up your phone balance, you can use these funds on your bank card.

This is very convenient, because the MegaFon card allows you to pay anywhere and immediately from your mobile phone account - in a cafe, at a gas station, through mobile app. And for every payment you will receive pleasant bonuses.

How to get a card

A MegaFon bank card can be either plastic or digital.

There is no need to receive a digital card, since it does not have a plastic carrier. MegaFon subscriber's passport data is checked automatically, so a passport is not needed. The card can be released in 15 seconds using any of these methods:
- in MegaFon's Personal Account → Digital Card → Issue;
- in the MegaFon Bank application → Issue a digital card.

You can get a plastic card at MegaFon stores immediately after applying. For this you will need a passport. After receiving the card you need to activate it.

How to activate a plastic card

There are two ways to activate your card:

Dial toll free number 5555 from the phone to which the card is linked and follow the instructions from the answering machine;
- install the MegaFon Bank application, click “Activate card” on the main screen, set a PIN code and start shopping.

How to manage a MegaFon card

What is MegaFon Bank

What is SMS banking and what commands can be used

SMS banking is an option for managing a digital card via SMS, with which you can find out the balance, receive a short statement on the card, and also perform other actions using short SMS commands.

The following commands can be sent to number 5555:

• BALANCE - find out the amount available for payments;
• PIN - find out how to get a new PIN code for the card;
• HISTORY - get information about the last 10 operations;
• HISTORY NNNN - get information about the last 10 transactions on the specified card, where NNNN is the last 4 digits of your card;
• BLOCK NNNN - block a card, where NNNN is the last 4 digits of your card;
• BLOCK ALL - block all your MegaFon bank cards.

How to top up your card and withdraw cash

The phone and card account are the same, so you just need to top up your MegaFon number in any way: via the Internet, payment terminal, ATM of any bank, etc.

Using the card, you can withdraw cash from your phone account at any ATM, including abroad. You can find out more about the withdrawal fee in the “Important Documents” section.

How to increase card limits

For digital card The following limits on transactions are established:

• daily - 60,000 ₽, including: cash withdrawal - 5,000 ₽, transfers - 15,000 ₽, payment for goods - 60,000 ₽;
• monthly - 100,000 ₽, including: cash withdrawal - 40,000 ₽, transfers - 40,000 ₽, payment for goods - 100,000 ₽.

If you want to increase these limits, contact the MegaFon office with your passport. You will be issued a plastic card with the following limits:

• daily - 100,000 ₽, including: cash withdrawal - 50,000 ₽, transfers - 100,000 ₽, payment for goods - 100,000 ₽;
• monthly - 600,000 ₽, including: cash withdrawal - 300,000 ₽, transfers - 300,000 ₽, payment for goods - 600,000 ₽.

Contactless payment via Mastercard PayPass

All Gold level cards feature Mastercard PayPass contactless payment technology. In some cities, classic maps also support this technology.

Card benefits and loyalty program

The card balance is your phone account. You can use it for any operations: transfers, payments in stores or on the Internet. Wherever you can pay for a purchase with a bank card, you can pay with money from your phone account.

Using the card is very profitable: issuing the card is free, the account balance is charged from 6% to 10% per annum depending on the card tariff, and when paying by card from MegaFon partners you can receive cashback of up to 20%. In addition, you can activate increased cashback in the “Entertainment”, “Supermarkets”, “Cafes” or another category and receive 5% of purchases back to your account (see the terms of the promotion).

When paying for purchases with a MegaFon card, you receive 10 MB of internet for every 100 ₽ spent. Information on the number of bonuses can be viewed in your Personal Account and the MegaFon Bank application. Bonus megabytes are credited within 30 days after making any purchases.

All payments, as well as receiving bonus MBs, will be available to the owner of the digital card, even if he does not have a plastic card.

Safety

How is money on the card protected?

MegaFon's digital card meets all security standards of the Mastercard payment system. The money on the card is in your personal account with MegaFon, so it is not subject to the risks of the financial system, for example, revocation of a banking license. In addition, you will receive notifications about all transactions to control all expenses and the balance of available funds.

How are card data protected?

The transfer of the card number between the bank and MegaFon Bank occurs in encrypted form. In the MegaFon Bank application, card details are not stored, but are requested in a secure form from the bank. In this case, the request for the CVC2 code is implemented using a separate method - the code is displayed separately from the other details.

Content

Almost every person has a situation when, for some reason, an amount accumulates on their mobile phone account that needs to be cashed out. To withdraw money from your balance, operators cellular communications have provided different ways.

How to withdraw money from your phone to a card

Each operator mobile communications has its own algorithms for withdrawing cash from the account. Subscribers can withdraw money to wallets of electronic payment systems, bank cards, through Russian Post. A cellular user has the opportunity to top up the balance of another subscriber or pay for a purchase in an online store. Learn more about how to cash out via bank card:

Operator	Transfer method	Size (rubles)	Commission (rubles)
	transfer via SMS to number 6111 with the text: “card”, card number, amount	50.00 one-time payment; 15000.00 maximum per day; 40000.00 maximum per month	4.3%, but not less than 60.00 4.3%, but not less than 60.00
	application My MTS service “Easy payment”
	USSD command: name payment system(Maestro, Visa, MasterCard,) 1111222233334444, transfer amount	from 50.00 to 14000.00	50.00-1000.00 – commission 50.00, for a larger amount – 5.95% + 10.00
	SMS data command to number 7878
	Beeline official website in the “Payment, Finance” section – “Money transfers” – “Transfer from mobile to bank card” – “Transfer from website”
	SMS to number 3116 with bank card details	from 50.00 to 15000.00 daily limit – 15000.00, monthly – 40000.00	up to 4,999.00 –5.95% + 95.00; from 5,000 to 15,000.00 – 5.95% + 259.00
	through the official website in the “Transfer of Funds” tab – bank card

How to transfer to Qiwi wallet

It is important to remember that money can be withdrawn from a mobile phone account via QIWI only from the balance of the number to which the account is registered in this payment system. The first thing you need to do is create a QIWI e-wallet, following the instructions on the website. Further algorithm of actions:

• Log in to your account.
• On home page find “Top up wallet”.
• Select “All deposit methods” on the left.
• Next, open the “Mobile phone account” tab.
• Then select the desired operator.

From different suppliers mobile services your transfer fees. Withdrawal of money from a mobile phone to a QIWI wallet is carried out by the following cellular providers:

How to withdraw to Yandex wallet

Today this system is the most popular in Russia. To top up your wallet, follow these steps:

• On the Yandex-Money website, click “Top up” - “From mobile balance” and enter your mobile phone number.
• Wait for an SMS from the operator (wait from 1 to 20 minutes).
• Confirm the transfer with a reply SMS.

You can withdraw money from your phone only after linking it to the Yandex-Money system. The service is available to the following mobile operators:

Transfer to WebMoney

First, you need to log into the WebMoney system using your account by entering your username and password, then link your phone number in the settings. To top up the balance, the user must have formal certificate and higher. It is easy to obtain by filling out the fields in the settings and sending scans of your passport. After confirmation, you can transfer money. Further actions:

• On the main page, find the option “Top up your wallet” - “From phone+”.
• Enter the amount in rubles in the window that appears (from 10.00 to 5000.00).
• An SMS will be sent to your phone number to confirm the transaction.
• Afterwards the money will be credited to your account.

Each cellular provider has its own commission percentage. It amounts to:

Money transfers

You can withdraw money from your phone using money transfer systems. Websites of mobile operators have special forms in which you must indicate:

• phone number;
• transfer amount;
• first name, patronymic, last name of the recipient;
• passport number and series (Beeline);
• sender details (Megafon).

Several systems are available to subscribers of mobile operators money transfers. Among the most popular:

Mobile service provider	Unistream
		Commission		Commission		Commission
	from 1.00 to 15000.00		from 10.00 to 15000.00		from 10.00 to 15000.00
	from 100.00 to 14000.00		Payment system not supported		from 1000.00 to 14000.00
	from 1.00 to 15000.00		from 1.00 to 15000.00		from 1.00 to 15000.00

Withdrawal via Russian Post

You can withdraw cash from your mobile phone through Russian Post. Cash withdrawal is carried out in the following way:

• Indicate your phone number and recipient information on the receipt.
• Write the amount you want to withdraw from your phone.
• Choose the most convenient post office.

The money is debited from the balance along with the commission. For different companies providing cellular communication services, it is:

Receiving money from an ATM

You can withdraw money from your phone through an ATM. Only Beeline provides its subscribers with this opportunity. Algorithm of actions:

• Send a request to number 7878, indicate the amount you want to withdraw.
• Wait for an SMS indicating further actions.
• After completing all the requirements, you will receive another message with a PIN code, which you will need to withdraw money.
• Find the Beeline Money ATM, enter your phone number, PIN code and get cash.

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You never know how there could be an indecently large amount on your phone balance that you definitely won’t be able to “talk” in the near future. Maybe you yourself mistakenly credited extra money when paying for mobile communications, or you received a payment on your phone for some work performed. Some, especially cunning credit card owners, cash out their credit cards in this way (first withdraw money to the phone balance, and then to a debit card). In general, situations are different, and if you suddenly need to transfer money from your phone to a card, then in this article we will describe the main methods that will help you carry out your undertaking.

Withdrawing money to a bank card

The easiest way to cash out a mobile phone is to withdraw it to a bank card. This method is offered by all members big three- MTS, Megafon and Beeline. To withdraw funds from a mobile phone to a card, you will need to go to the operator’s website (using the links above), select the “Transfer to a bank card” section. Next, enter your mobile phone number, card details (card number, holder name, expiration date) and transfer amount into the appropriate form. Everything is extremely simple - follow the system prompts.

Naturally, cash out cash It will not be possible without commissions and restrictions.

• So, in MTS you can withdraw an amount from 1,700 to 15,000 rubles at a time. You can make no more than five payments per day for a total amount of up to 30,000 rubles. The commission for such a transfer is 4%, minimum 25 rubles. We don’t know why the bank writes about the minimum commission of 25 rubles, because when transferring even the minimum amount of 1,700 rubles, the commission will be 68 rubles.
• When transferring funds from a Beeline balance to a bank card, the commission will be 4.95%. You can transfer from 1,300 to 15,000 rubles at a time.
• At Megafon, the commission directly depends on the transfer amount: when transferring an amount from 1 ruble to 4999 rubles, you will be charged 5.95% plus 95 rubles; and when transferring amounts from 5,000 to 15,000 - also 5.95% plus 259 rubles. Thus, the lower transfer limit is 1 ruble, the upper limit is also 15,000 rubles. The monthly limit is 40,000 rubles.

In a word, the commissions are not small, and using a mobile phone to cash out a credit card in this way is hardly advisable.

The speed of transfer to cards is from several minutes to 3-4 days, sometimes 5 days. Here everything will depend on your bank, and, surprisingly, even on the payment system. So it takes longer for the money to be transferred to the cards.

Another limitation for withdrawing money from your phone balance to a bank card is the card number. The fact is that all the forms presented on the operators’ websites allow you to enter only a card number consisting of 16 digits, but there are also cards whose number consists of 18 or 19 digits, for example, the Maestro card from Sberbank. In this case, you can use the following method.

Withdrawing money to a bank account

This method can only be used to withdraw money from the balance of a Beeline or Megafon mobile account. For some reason MTS does not practice this option.

Here everything is the same as in the previous method, only you will need to select the “Bank Account” item and indicate during the transfer not the card details, but the card bank account details (account number of 20 digits, BIC).

You can withdraw from your Beeline account using this method from 500 rubles to 15,000 rubles per transfer, but not more than 15,000 rubles per day or 40,000 rubles per month. The commission is still the same - 4.95%. True, you can withdraw money to the accounts of not all banks, but only: Absolut Bank, Alfa-Bank, Banka24.ru, GI Money Bank, MTS-Bank, Probusinessbank, Otkritie Bank, OTP Bank, Renaissance Credit, Russian Standard, Tinkova, Home Credit.

• 300,000 rub.
• on the day of treatment
• 55 days
• according to your passport
• 12,9 - 29,9%
• 18-70 years
• 590 rub.
• by mail/courier
• 2.9% + 290 rub.
• Master Card
• "Bravo"
• The legendary Tinkoff Platinum card, which you can get without a single visit to the bank: fill out an application and receive the card by mail or courier. read review

Megafon has the same limits and commissions as when transferring to a card (see previous paragraph). Megafon also openly says that money can only be transferred to the accounts of leading banks. Therefore, if your bank is not on the list of possible recipients, then you can use other methods to cash out the balance.

Virtual cards

Another very interesting and profitable way to withdraw money from your mobile phone balance is.

So MTS offers a virtual MTS MONEY card from MasterCard, which is issued once with a zero balance, and then you can top it up with any amount. The card is issued and serviced free of charge. The only commission is the commission for replenishing it, which is 1.5% of the amount. Thus, you can withdraw money from your mobile phone to a virtual MTS card for only 1.5% and make purchases or pay for services online (no commissions will be charged for payments). Or, transfer money to a debit card through the service (with a commission of 1.75% of the payment amount, but not less than 25 rubles for each transfer).

Megafon also has a virtual card, already from the VISA payment system. Here, the amount of funds on the card will be equal to the balance of your phone, that is, you will not need to constantly top it up. There are also no issuance or service fees. There is a commission for making payments by card - 1.5% of the amount plus 5 rubles.

• 300,000 rub.
• 1-2 days
• 50 days
• 22,9% - 27,9%%
• 22-60 years
• 950 rub. / 950 rub.
• by mail/courier
• 4.9%, min 490 rub.
• MTS Bonus
• The card has been discontinued
• A joint product of MTS and Citibank. For every 30 rubles spent, 1 bonus point MTS. An interesting service is available - pay in installments - the opportunity to increase the loan repayment period to 1-3 years with a reduced interest rate. read review

Beeline subscribers can issue a virtual Mobile Card (in partnership with Alfa Bank). Issue and maintenance are free. You can immediately withdraw cash from the card, however, with a commission of 4.95% (min. 29 rubles) or transfer money to another card with a commission of 3.45%. Beeline subscribers can also obtain a plastic “Mobile Card” on a physical medium. Issue of the card will cost 95 rubles. Commission for cash withdrawal - 5.9% min 125 rubles, commission for transfer 1.99%.

Receiving cash

It is also possible to receive cash immediately. Thus, all three mobile operators MTS, Megafon and Beeline offer services for withdrawing funds through fast money transfer systems. The algorithm for such a transfer differs only in that you need to select the appropriate section (for Megafon and MTS - “Receive cash”, for Beeline - “Transfer to Unistream” or “Contact Transfer”), enter the phone number, transfer amount and recipient details (full name ). That's all. Then you can immediately go to the nearest transfer point and receive cash (money is transferred instantly). Don't forget to take your passport with you.

You can withdraw money from MTS through the Unistream, Leader, CONTACT systems. Transfer amount from 1 ruble (through the CONTACT system from 1000 rubles) to 15,000 rubles at a time, no more than 5 payments per day for a total amount of up to 30,000 rubles, per month no more than 40,000 rubles. Transfer fee 4%.

Megafon also allows you to withdraw funds through Unistream, Leader, CONTACT. You can transfer from 1 ruble to 15,000 rubles in one transfer, the maximum amount per day is 15,000, per month - 40,000 rubles. The transfer fee, as when transferring to a card, depends on the transfer amount: when transferring an amount from 1 ruble to 4999 rubles, you will be charged 5.95% plus 95 rubles; and when transferring amounts from 5,000 to 15,000 -5.95% plus 259 rubles.

You can withdraw money from Beeline through Unistream or CONTACT. The transfer amount can be from 100 rubles to 15,000 (no more than 15,000 per day, no more than 40,000 per month). The transfer fee is a record low of 2.99% plus 10 rubles.

Table 1 - comparison of methods for withdrawing money from a mobile balance

Mobile operator	Withdrawal method	Limit	Commission
	To a bank card	From 1,700 to 15,000 rubles at a time. Per month - no more than 40,000 rubles.	4% minimum 25 rubles
	To a bank account	Is not provided
	Cash	From 1 to 15,000 rubles (through the CONTACT system from 1000 rubles). Per day - no more than five payments totaling up to 30,000 rubles. Per month - no more than 40,000 rubles.
	Virtual card	Per day - no more than five payments totaling up to 30,000 rubles. Per month - no more than 40,000 rubles.
	To a bank card	1 - 15,000 rubles per transfer. No more than 15,000 rubles per day. Per month - no more than 40,000 rubles.	when transferring 1 - 4999 rubles, the commission is 5.95% plus 95 rubles; and when transferring amounts from 5,000 to 15,000 - 5.95% plus 259 rubles.
	To a bank account
	Cash
	Virtual card		1.5% of the amount plus 5 rubles
	To a bank card	from 1,300 to 15,000 rubles at a time. The daily limit is no more than 15,000 rubles, the monthly limit is no more than 40,000 rubles.
	To a bank account	from 500 to 15,000 rubles at a time. The daily limit is no more than 15,000 rubles, the monthly limit is no more than 40,000 rubles.
	Cash	from 100 to 15,000 rubles at a time. The daily limit is no more than 15,000 rubles, the monthly limit is no more than 40,000 rubles.	2.99% +10 rubles
	Virtual card	From 1 to 15,000 rubles per transfer. Per day - no more than five payments totaling up to 30,000 rubles. Per month - no more than 40,000 rubles.	Cash withdrawal - 4.95% (min. 29 rubles) Transfer - 3.45%
	A plastic card " Mobile Map» VISA - RURU - Alfa-Bank		Issue of a card 95 rubles. Cash withdrawal - 5.95% (min. 125 rubles); transfer - 1.99%.

The share of non-cash payments is growing upward everywhere. Payment of utilities, fines, loans through online Internet banking services will not surprise anyone. Mobile operators are not lagging behind, so paying from a Beeline phone will not be difficult. Money will be debited not from a bank card, but from a mobile account. The service is relevant for people who store large amounts of money on their phone.

What can you pay for with a Beeline phone?

Beeline subscribers can pay for services via the Internet using their cell phone balance. This can be done on the operator’s official website. The list is limited:

• money transfers: Unistream both in Russia and CIS countries (Kazakhstan, Ukraine, Belarus, etc.), Russian Post;
• transfer to debit and credit bank cards: VISA, MAESTRO, MasterCard;
• mobile phone replenishment;
• entertainment: STEAM, VKontakte;
• traffic police fines by resolution number or through a search;
• television: Beeline TV, Tricolor TV, Continent TV, NTV Plus, DOM.RU (cable and digital TV), Orient Express, TELEKARTA;
• loans: Alfa-Bank, OTP, Home Credit, Webbankir;
• Internet: Rostelecom, DOM.RU, TTK, Beeline WiFi, Beeline Internet, City Line, Miti Telecom, Gars Telecom, Renet Com;
• transport cards: Troika, Strelka, Podorozhnik;
• Housing and communal services: MOSOBLGAZ, housing and communal services of Moscow EPD, housing and communal services of St. Petersburg, MosEnergoSbyt;
• taxes by searching by TIN or UIN;
• charitable contributions to the Life Line and Children of Russia funds;
• telephony: Beeline IP Telephone, MGTS, Sipnet;
• electronic wallets: WebMoney, Walletone, Yandex. Money.

Registration is not required to make a transaction through a browser. You can pay for the required service by selecting the appropriate section and filling out the form, indicating your mobile phone number in the debit account field.

Characteristics and conditions of the Mobile payment service

You can pay from your Beeline phone account directly from your device via the Internet using the “Mobile payment” service. The option is available to all subscribers. The connection difference depends on the tariff plan.

1. For subscribers on a prepaid payment system, the service is available immediately after activating the SIM card. The only condition is that the costs from the moment of connection must be at least 150 rubles. Subscription fee There is no charge for using the service.
2. Postpaid users will need to create a special account. To open it, you must enter the command *110*271# “call”. You can also get an account in your personal account on the Beeline website or by calling 0611. The balance can be topped up using any payment instruments from a terminal to a bank card, similar to a mobile phone.

The difference is in the input format: you must dial the number without 8 or +7, and replace the first digit 9 with 6. For example, if the mobile number is 9090631252, the account number is 6090631252. You can check the balance of the second using the USSD command *222# “call”.

Since the service does not provide a connection procedure, it is impossible to disable it.

How to use the option

To pay for Beeline services from your mobile phone account and make other payments, you need to go to the operator’s browser in the “Payment and Finance” - “Payment for Services” section. A menu of categories of all available services will open. For example, consider paying for STEAM with personal account your mobile.

1. Select the "Entertainment" section.
2. Click on the “STEAM” icon.
3. Enter your username used when logging into Personal Area on company's digital distribution service.
4. Enter the phone number without 8, the payment amount and the code from the picture.
5. Check the box next to “I agree to the terms of service”.
6. Click the “Pay” button.
7. Enter the verification code from the SMS notification.

Important! In some categories, the payment method field contains a bank card in addition to a mobile phone. This will allow you to pay for services, without replenishing the balance facial accounts Beeline. In the right field of the menu you will see information about the commission charged. The size is set depending on the category of service. So, when paying Beeline Internet payment is free, and upon replenishment WebMoney wallet you will have to pay 10 rubles. + 8.57% of the transfer amount.

If you can’t access the Internet, you can pay bills using SMS via short number 7878. Service availability depends on the specific service. Information about such methods and commands can be seen when filling out the payment form in the right field of the menu.

So, to top up your STEAM balance, you can send an SMS with the text:

Steam (space) your nickname (space) payment amount, for example, Steam login 100

To pay for parking, SMS must be sent to 7757 with the text PARKING NUMBER*CAR NUMBER*NUMBER OF HOURS. The cost will be calculated automatically taking into account a 5% commission.

In order not to remember text codes for payment various services via SMS, you can create drafts. Then the option will be available around the clock, even if there is no Internet access.

Restrictions and limits

When planning to pay bills and transfers using your mobile balance, you need to remember the restrictions. Beeline has set the following transaction limits depending on the category of service:

• minimum one-time payment: 10 – 1300 rub;
• maximum one-time payment: 5000 – 15000 rub;
• daily limit: 15000 rub, 10 transactions;
• weekly limit: 40000 rub, 20 transactions;
• monthly limit: 40000 rub, 50 transactions.

Benefits of the service

By introducing the Mobile Payment service, Beeline has significantly expanded the capabilities of its subscribers. Among the obvious advantages are:

• significant time savings;
• the device replaces terminals, bank cards, electronic wallets;
• You can make payments online.

The disadvantages of the system include the lack of a unified payment code via SMS. Some payments can be made directly, while others require bank details. In any case, “Mobile payment” from Beeline has become an excellent alternative to other methods of paying for services via the Internet.

Payment from "Mobile phone balance»
	Payment from Mobile phone balance happens through the service RoboKassa. Before paying, you must log in to the control panel. Payment occurs as follows: Log in to the control panel and go to the page: . On this page, select your payment method: RoboKassa. Enter the amount and click on the button "Top up". You will be redirected to the service RoboKassa, on this page, from the right column, select a payment option "From a mobile phone account." And to the left of the column in the drop-down list, select « Operator for payment» and press the button « Continue» . Then make payment with "From mobile phone balance" following the system instructions. That's it, the balance in the system has been replenished. The payment will be credited to your balance automatically.

Information about "Mobile payments"

Mobile payments- the future of mobile and e-commerce.

Whatsuchmobile payment?
This is a payment from cell phone, carried out both through the subscriber’s personal account and through a bank card, which makes it possible to pay for a wide range of services - communication services, fines, utility bills, loans, travel on public transport, air, railway tickets, and pay at retail outlets and at the gas station. According to the method of implementation, mobile payments can be remote and contactless.

• Remote payments

The telephone is used as a means of organization remote access client to his account. The client's bank account and the client's account in the billing system of its operator are used as the client's account. Remote payments are payments for housing and communal services, Internet, services mobile operators, TV, payments to the budget (fines, taxes), landline telephone, etc.

• Contactless payments

They are carried out when the client is required to be at the point of sale (paying for travel on public transport, buying Coca-Cola in a vending machine, etc.). For this you need a special mobile phone(with NFC chip) and seller equipment with NFC-reader.