In recent years, mobile operators have begun to actively introduce themselves into the banking structure, offering their customers all kinds of cards and other financial services. The company MTS does not stand aside, which has also been offering services in this industry to its subscribers for a long time.

Let's figure out what the MTS Smart Money card is, how to use it, how to issue it, etc.

MTS "Smart Money": what kind of card

This bank card is a completely standard product sold today by the absolute majority of other banking institutions. The card can be debit or credit, and the funds on it can be used both for paying for purchases and withdrawing cash, and for replenishing a mobile account.

For MTS subscribers using this card, a 100% discount on the monthly fee in the tariff plan they use can be provided. However, as you understand, the provision of such a discount is possible only if certain priority parameters are met. But more on that later.

MTS "Smart Money" card: detailed description

Current version. Map information updated on 10/15/2018.

Issue and maintenance of the card

• The card can be obtained by all citizens of the Russian Federation from 18 to 70 years old. It is absolutely optional to be an MTS subscriber.
• The cost of issuing a Smart Money card is 199 ₽;
• Monthly cost of servicing the card: for MTS subscribers - free of charge, for all other "holders" - 99 ₽ / month;

Card reissuance cost

• Reissue at the end of the validity period - free of charge;
• Reissue at the request of the client (if the card is broken, lost, etc.) - 199 ₽;
• At the discretion of the bank - free of charge (if the card has become unusable through no fault of the "holder" of the card)

Credit limit, interest and late fees

• The credit limit on the Smart Money card is set by the bank individually and ranges from 0 to 300 thousand ₽;
• The grace period of crediting (Grace period) is up to 51 days from the date of purchase (from the 1st day of the month in which the purchase was made until the 20th day of the next month);
• Interest rate for the use of credit funds during the grace period - 0% per annum;
• The interest rate for the rest of the time is from 24.9 to 27% per annum on the loan balance (The interest rate is set by the bank for each client individually when issuing a card);
• Penalty for non-payment of the minimum loan payment - 500 ₽;
• There is no penalty for non-payment of a technical overdraft;

Cash withdrawal from the MTS "Smart Money" card

Using the card

• Limit on cash withdrawals through ATMs or cash desks of MTS Bank PJSC: no more than 50,000 ₽ per day or no more than 600,000 ₽ per month;
• If you withdraw your money from the card through an ATM of MTS Bank, there is no commission;
• If you withdraw credit funds through an ATM of MTS Bank - a commission of 3.9% of the withdrawal amount plus 350 ₽;
• If you withdraw your money through the cash desk of MTS Bank - a commission of 0.5% of the withdrawal amount;
• If you withdraw your money through an ATM of any other bank - a commission of 1%, but not less than 100 ₽ + commission of the bank whose ATM you use;
• If you withdraw credit funds through an ATM of any other bank - commission 3.9% of the amount + 350 ₽ + commission of the bank whose ATM you use;

Without using a card

• There is no limit on cash withdrawals through the cash desk of MTS Bank PJSC (everything is clear here, they came and said that you want to withdraw all the money from the account - the bank is obliged to issue them);
• Commission for the issuance of own funds through the cash desk - 0.5% of the amount;
• Commission for the issuance of credit funds through the cash desk - 4% of the amount;

Money transfers using the MTS Smart Money card

• Replenishment of the card account - no commission;
• Transfer of funds to another card of MTS Bank within own funds through an ATM, Internet bank or mobile bank of MTS Bank - no commission;
• Transfer of funds to another card of MTS Bank of credit funds through an ATM, Internet bank or mobile bank of MTS Bank - commission 3.9% + 350 ₽;
• Transfer of funds to any other card or account within own funds through an ATM, Internet bank or mobile bank of MTS Bank - 1%, but not less than 49 ₽ per operation;
• Transfer of funds to any other card or credit account through an ATM, Internet bank or mobile bank of MTS Bank - commission 3.9% + 350 ₽;

Additional terms

• Fee for provision of informing service via SMS: none;
• Internet banking - free of charge;
• Mobile banking - free of charge;
• The card is valid for 3 years from the date of issue;
• If there are no funds on the account and you do not use the card for 6 months, the contract is automatically terminated, the account is closed, the card is canceled;

Conditions for obtaining a 100% discount on payment for MTS mobile communications

To receive a 100% discount, you must complete any of the conditions: either you spend/transfer more funds than indicated in the "Amount of operations per month" column, or you keep more than the minimum balance on your account.

—	Amount of transactions per month	Minimum balance
"Smart Zabugorishche"	30 000 ₽	100 000 ₽
"Smart+"
"Our Smart"
"Tariff"	20 000 ₽	70 000 ₽
"Smart Unlimited +"
"Smart Non-Stop"
"Smart"	10 000 ₽	50 000 ₽
"MTS Tablet"
"Smart Unlimited"
"My Unlimited"
"My Smart"
"X" or "Hype"

On the one hand, it seems not so difficult to fulfill one of the conditions, on the other hand, I don’t really like the size of the commissions. And there are not so many ATMs at MTS Bank. I myself have been an MTS subscriber for almost ten years, but I do not plan to receive a card. For me, "the game is not worth the candle."

How to get and activate the MTS "Smart money" card

To receive this card, subscribers need to either simply come to any of the official salons of the MTS operator. You should have a passport of a citizen of the Russian Federation with you. In just 15 minutes, the card will be issued and received by you.

To speed up the process, you can pre-fill an application for issuing a card online on the official website, the decision to issue or not issue a card will come to you in an SMS message. In case of a positive decision, a representative of the bank will contact you and you will be able to agree on the time of a visit to the MTS office to receive a card and sign an agreement.

After receiving the card, you need to activate it, or rather, get a PIN code to access the balance. You can do this using the following instruction:

1. Make a voice call to a number 88002500890 (for free).
2. To go to the "MTS Money" item, click on the button "3".
3. Next click the button "1", which will allow you to go to the card access code settings.
4. Enter the code from the text message.
5. Enter the PIN you want to use for your card.
6. Confirm the operation by entering the CVC2 code.

How to use the MTS Smart Money card

Using an MTS-Bank card is no different from using any other bank card. You can also pay for purchases in stores through terminals or using Apple, Android Pay, you can withdraw funds from any ATM (paying attention to the commission), at the cash desks of banking institutions, etc. These cards do not have any special skills or nuances of use.

How to replenish the MTS "Smart Money" card

Separately, attention should be paid to how the replenishment of the account linked to the MTS card is carried out. To this end, you can use a lot of various methods. The most popular and convenient of them are noted in the list below:

• At the box office of MTS offices;
• In special ATMs of MTS Bank;
• By transfer from a card of any other bank;
• In payment terminals;
• With the help of the Rapida or Golden Crown payment systems, for example;
• By bank transfer from the details of any bank.

If you choose a method related to replenishing the card through official MTS stores, you need to be aware of the restrictions that apply to the maximum replenishment amounts. The amount of replenishment per day cannot exceed 100 thousand rubles, and per month - 1 million rubles.

Video "Bank card MTS Money: 5 pluses and 5 minuses"

MTS personal account for the Smart Money card

Like any other bank, MTS Bank offers its customers the opportunity to use web banking to control their own expenses, make online transactions, etc. You can access your personal Internet banking account in the following way:

1. Visit the site mts.ru.
2. At the top of the screen (on the right), find the "My MTS" icon and click on it.
3. Select "Internet Banking" from the drop-down list.
4. On the page that opens, enter your username and password to enter, then click on the "Login" button.
5. You are inside the office.

Registration in the system, as well as its further use, of course, is offered to subscribers completely free of charge.

How to block an MTS Smart Money card

The last issue related to the Smart Money card, which we wanted to consider today, concerns the possibility of blocking a bank card. Such a need may arise in case of loss of the card, or if you wish to terminate the agreement with the bank and refuse to continue using the plastic product.

Regardless of what caused the need for blocking, you can implement your plan in the company's offices. There you need to apply with the documents and fill out the appropriate application for blocking.

We are all used to the fact that MTS is a mobile operator. However, now it is not only a wireless and Internet provider, but also a full-fledged bank. For example, everyone has the opportunity to issue a payment instrument from MTS Bank. It has a number of advantages and is relevant for certain purposes. Next, we will analyze how the MTS Money debit card is issued, what are the conditions for its use, how to manage the account, and also talk about bonuses.

What is it

First you need to understand what a debit card is. Every accountant knows what debit and credit are. In simple terms, a loan is an expense, and a debit is an income. That is, the owner of a credit card can take a loan from a bank for a certain period, and then must repay the debt with interest. In fact, this is how the bank makes money.

A debit card, on the contrary, implies that the holder will keep funds in the account, and for this he will be charged interest. By itself, it has a lot of features that it recommends to study before going to the nearest branch and making out "plastic".

If we talk about the benefits, we can highlight some of the most important:

• Receiving up to 8% per annum from the amount that is stored in the account. In this case, the enrollment occurs every month.
• Simple conditions for obtaining plastic - it will take only 30 minutes of free time.
• Several options for managing your account - the user can choose the best one for himself.
• The ability to pay for goods and services via the Internet, purchases in stores with terminals, withdraw cash at any ATM in the country marked Visa\MasterCard.
• The ability to withdraw money from the deposit at any time without penalties and loss of interest.
• Supports PayPass (contactless payment).
• Cash back option - a refund of up to 3% of the transfer or payment amount.
• Accrual of bonus points for using the card.

Terms of Use

It should immediately be noted three disadvantages that the MTS Money plastic card has:

1. This banking product is issued and serviced for a fee. The cost of maintenance is 590 rubles per year. Therefore, it makes no sense to draw up a card for those who will rarely use it.
2. The only option to replenish your account without a commission is to go to the nearest branch of the MTS sales salon or contact the bank service center.
3. Connection of additional tariff packages is paid.

In addition, there are conditions that must be met for the deposit to work:

• If the balance is kept from 1,000 to 299,000 rubles (inclusive), then the rate is 7.5% per annum of the amount.
• If the balance holds an amount of more than 300,000 rubles, the rate will be 6% per annum.

Citizens of the Russian Federation who have reached the age of 18 can receive a card. You will have to pay for connecting the Cash back service. In this case, you can choose one of three tariff plans:

You can learn more about the conditions for using the card, as well as its features, when applying with a bank employee. In addition, along with the card you get all the necessary papers (agreement, rules, and so on), which you can study on your own.

How to get

The registration procedure is very simple. All that is required is a passport of a citizen of the Russian Federation and some free time. In this case, you have two options on how to order an MTS Money card from MTS Bank:

• Through the official website.
• At the nearest MTS office. It can be a bank branch or a store (communication salon).

How to manage an account

There are several options for managing funds on the account:

1. Mobile banking.
2. With the help of SMS.

All methods are quite simple. To connect Internet banking and mobile banking, you need to be a client of MTS Bank. You can activate the service through an ATM or at the office. After that, you will be able to enter your personal account and manage your funds.

Bank in your pocket

Mobile banking allows you to install an application on your smartphone and manage your account directly from your phone. Service connection is free. This gives you the following options:

• Replenishment of mobile account.
• Pay fines, goods or services, and make other online payments.
• Access to a map of the location of offices and ATMs.
• Transferring money to accounts or cards of other banks.
• Always up-to-date information about the exchange rate.

You have received an MTS Money card and want toto 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.

This name was given to the following "plastic" products of MTS-Bank:

• debit card MTS Money, which is issued to;
• and the MTS Money Deposit card, which allows you to receive income on the balance of your 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;
• various bonus programs are provided for the cards;
• account management is possible with the help of Internet banking and a mobile phone.

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

1. "Mobile"

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

Under the terms of the program, it is prohibited to enroll more than 1 thousand rubles. per month. The money will be attached to the phone number specified in the card application. For the year of connecting the option, 500 rubles are 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 making purchases by the client. However, there are some nuances:

• the service is available only for cards with zero ;
• monthly purchases are taken into account;
• bonuses are accrued only for payment for services specified in the terms of the program;
• interest is charged only if more than 15 thousand rubles are used;
• per month, no more than 1500 rubles can be credited to the card. arrived;
• for connecting a special offer, the bank will ask for 1.5 thousand rubles.

3. "Travel"

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

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

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

Also, the bank additionally accrues 15% of the average balance of points for the previous 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 a zero credit limit. The annual cost of the option is 1.3 thousand rubles.

Credit card MTS Money

There are two tariffs for this program:

• "Plus";
• and "Extra";

Both of them are nominal and differ from each other by a set of options and capabilities. "Plastic" with the latest tariff is issued only at the bank branch. This results in a complicated registration procedure and a thorough verification of information about the applicant.

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 in case of violation of the conditions - 23, 25, 35, 43, 47 and 55%;
• the minimum mandatory loan payment is 10% of the debt, but not less than 100 rubles / 1000 rubles;
• a fine for default on loan obligations - 30% of the total debt, but not less than 2 thousand rubles;
• commission for delay - 30% of the mandatory payment, but not less than 1000 rubles. at the first pass, 1500 r. at the second and 2000 p. for all subsequent gaps in loan reimbursement.

MTS Money card: commissions

Additional payments are divided into several groups:

1. Annual card account maintenance:

• tariff "Basic" - 300 rubles;
• "Plus" - 590 rubles;
• and "Extra" - 700 rubles.

2. Receiving cash:

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

Free cash withdrawal is also available at ATMs or cash desks of the unified settlement system. At the same time, in all cases, restrictions on the amounts for withdrawal are set: 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 of charge, except when using credit funds (3.9% of the transfer amount and 350 rubles are charged here);
• to the accounts of other 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 obligatory payments - without charging interest;
• transfer at the bank cash desk at the expense of credit money - 7% of the replenishment amount;
• transfer by card number at an ATM, through online or mobile banking - 0.75% from own funds but not less than 50 rubles. / when using a loan account, the amount of the commission coincides with the situation of a cashless transfer to another MTS Money card;
• implementation of these operations in other banks - 0.3% and not less than 30 rubles. when using own savings / when paying with credit funds, the accruals 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 possibility of remotely filling out an application for issuing a card.

In all cases, the following procedure applies:

• an adult client takes a passport with him and applies to a bank branch or an MTS 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 over to the client. The absence of information about the current residence permit in the passport is the reason for the refusal to issue a card.

Deposit on the MTS Money card

The option that provides the opportunity to open a deposit account with a card is called "Cumulative+". This program is designed to make a profit on the balance of own funds stored on the card. The bank in this case offers its customers 7.5% per annum.

The terms of the deposit are as follows:

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

The bank does not charge a commission for activating the function. And more recently, this function is attached to all MTS Money cards without fail.

You can also transfer change from completed purchases to your savings account. This service was called "Piggy Bank". The intention to connect it to the client must be reported when registering a savings account or additionally contact the bank office.

• convenience and simplicity of product design;
• a variety of 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 transactions even in MTS-Bank;
• failures in the replenishment of a credit card, forming a delay;
• 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.

1. Remember that in addition to the basic functions, you can 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. At the same time, keep in mind the fact that these advantageous offers are paid.
2. Carefully read the commission rates for all MTS Money cards. This will help you calculate the total amount of funds required for a specific financial transaction.
3. When withdrawing cash, give preference to free methods. And remember that there is always a commission for withdrawing credit funds.

Data update date - February 2016