MTS debit card. Credit card "MTS Money": reviews, registration and terms of use MTS money deposit universal bank card

This is a regular debit card that can be used for making payments and storing your own funds. Upon receipt of the card, you can immediately connect to the Internet bank to perform remote transactions: transfers between cards and accounts, payment of loans, operator services, etc.

MTS Bank issues cards serviced by the MasterCard system. This is an international system, so you can use the payment instrument throughout the country and around the world. All operations are available, including cash withdrawals through an ATM.

Card maintenance is paid - 590 rubles per year. Cashing out your account at MTS Bank ATMs is free. If you withdraw funds through third-party ATMs, the commission will be 100 rubles. You can find out more about the commissions in the bank's tariffs:

Cumulative function

This is a key option of the MTS Money Contribution card. The holder can use the card to pay for goods and services, and also use it as a savings tool. The bank charges 6-7.5% per annum on the client’s own money. This is an excellent alternative to the usual deposit.

Advantages over savings deposits:

you can make any outgoing and incoming transactions without restrictions;
you can withdraw money up to zero balance;
When opening a card, you do not need to immediately put money on it;
the client can regulate the profitability himself;
there are no restrictions on the amount and frequency of replenishing the card;
high rate on savings account.

The exact amount of profitability depends on how much money the client stores on the card. Please note that if the daily account balance during the month is less than 1000 rubles, interest is not accrued. If the daily balance during the month is within the range of 1,000-299,000 rubles, the bank charges 7.5% per annum. If the average daily balance exceeds 300,000 rubles, then the yield will be 6% per annum.

Important! If at least one day a month the balance is less than 10,000 rubles, interest will not be accrued.

Additional options

The savings function is the main, but not the only option connected to the MTS Money Contribution card. In addition, clients are provided with the following privileges:

Paid additional options

At their request, MTS Money Deposit cardholders can activate additional options on a paid basis:

Mobile option costs 500 rubles per year. This is a kind of Cash-Back, but bonuses are credited not to the card account, but to the client’s mobile phone account. The bonus is 3% of what you spend non-cash with your card. For example, if you spent 30,000 rubles in a month, you will receive 900 rubles as a bonus to your mobile account. There are restrictions on Cash-Back accruals - no more than 1000 rubles per month.
Shopping, the cost of the option is 1,500 rubles per year. This is a standard Cash-Back of 3%, which is credited to the client’s card account. Conditions for accruing a bonus: monthly turnover on the card must exceed 15,000 rubles. If this limit is met, the client receives Cash-Back for the current month. Restrictions on accrual of bonuses - 1500 rubles.
Travel, the cost of the option is 1300 rubles per year. For every 20 rubles spent from an MTS Money Deposit card, the client receives 1 point. Each point is 0.5 rubles. The accumulated points can be used to pay for air tickets, car rentals, and hotel rooms. As an additional bonus, MTS Bank annually accrues 15% on the average amount of points for the past year. The maximum number of points per month is 1500. Points are valid for 3 years, after which they begin to expire.

For example, if you enable the “Travel” option and spend 30,000 rubles monthly, then when using a standard card you will receive 1,500 points, which equals 750 rubles. In a year you will receive 750*12=9000 rubles, which you can spend on travel.

The points system depends on the type of card and where exactly the spending transaction is made:

More about using the MTS Money Contribution card

This is a modern card that is equipped with a one-touch payment system. You can pay for goods and services from your smartphone using the Android Pay, Apple Pay or Samsung Pay apps. Options for replenishing a card account can be found on the MTS Bank website:

Any citizen of the Russian Federation who has reached 18 years of age can receive an MTS Money Deposit card. The only documents required are a passport. You can apply for the issuance of a means of payment online on the bank’s website. After filling out the application, the manager contacts the client to agree on a place to receive the ready-to-use card. It can be picked up at any MTS office.

Most people are convinced that MTS is a mobile operator that, in addition to providing communication services, also sells mobile equipment and accessories. In fact, the Mobile TeleSystems company has long occupied a strong niche in other areas of activity. For example, MTS Bank provides financial services and any person, not necessarily an MTS subscriber, can become its client and use any services. The most popular among others are bank cards. MTS Bank offers its clients a choice of: debit and credit. Each of them has its own advantages. Let's look at each one separately.

Nowadays, many people use bank cards and are well versed in the difference between a credit card and a debit card. Debit assumes that the client deposits money into the account and will receive income for this - interest from the bank. A card debit account means that customers will spend their own funds when paying with a card.

Advantages:

You can apply on the MTS website.
You can get it at any MTS Bank salon or office.
Cashback is credited to the card weekly, this happens on Fridays, the amount is up to 5% of the amount spent on the card last week.

5% refund if paid in cafes, restaurants, sports clubs, taxis.
Other purchases earn 1% cash back on every transaction.
Cases in which cashback is not credited can be viewed on the website https://www.mtsbank.ru
Cash, certain expenses and certain purchases are not eligible for refunds.

Use can be completely free if one of these conditions is met:

The amount of purchases paid with the card must be at least 15 thousand rubles per month;
The account balance should not fall below the level of 30,000 rub..

When storing funds in the Weekend “Accumulative” account, interest is accrued at the rate of 6% per annum.
You can withdraw cash without paying a commission at ATMs throughout the Russian Federation, but it is worth mentioning that at MTS Bank ATMs this procedure will be free, and at terminals of third-party banks a commission may be charged for cashing out funds.
You can pay by tap using the Apple Pay, Google Pay or Samsung Pay apps.

MTS Money credit card

A credit card differs from a debit card in that the client pays not with his own funds, but with the bank’s funds, which he borrows. If the loan amount is returned to the card during the grace period, then no interest will be charged. You can order a non-registered credit card at any MTS salon, also via SMS to number 333, sending the last 4 digits of your passport number in the text, and on the website. You can pick up the card at the nearest salon, office or branch of MTS Bank.

The grace period is 51 days, during this period you can return funds to the card without paying interest;
The user will receive all the privileges that are available to Mastercard cardholders;
Cashback – up to 5 percent.

Benefits that the credit card holder will receive:

There is no fee for issuing a card;
If the client has his own funds on the card, they can be withdrawn completely free of charge and at any ATM in the Russian Federation without commission;
Contactless payment available;
A credit card can be issued with one document - a passport;
Credit conditions and tariffs;
Credit limit - up to RUB 299,999;
Annual card maintenance – 900 rubles;
Annual interest rate – 21-30.9%;
The minimum monthly payment amount is 5% of the debt amount (but not less than 100 rubles).

More detailed conditions for obtaining and using a banking loan product can be found.

Replenishment

You can add funds to your card in the following ways:

Using MTS wallet
By transfer from any other card or third-party bank account using: MTS website, MTS Bank website, Internet banking, mobile application;
At the cash desk of the MTS salon;
At a branch of MTS Bank upon presentation of your passport and the card itself;
In terminals located in MTS salons: "Eleksnet", "Cyberplat", "QiWi", "TelePay";
Using the Golden Crown terminal;
By non-cash transfer from an MTS bank account to a card account.

Methods for using all types of MTS Money cards

Cards are activated immediately after the first payment is made.

You can stop cooperation with the bank by terminating the contract. For a debit card, you just need to cash out the funds and write an application. For credit – pay off the debt and also write applications. If the period for using the card expires, its validity will terminate automatically. It can be extended or not.

Cards make it possible to pay for purchases and services using a smartphone, the main thing is to connect them to one from Apple Pay, Google Pay, Samsung Pay applications.

The MTS Bank debit card is an international product, allowing the holder to pay for purchases and make transfers. Among the list of cards, the Money product is of interest to users. Let's consider its features.

Reviews of MTS debit products

MTS Bank debit cards receive quite controversial reviews. In general, there are no complaints about card products. They comply with the international format and allow you to perform all basic types of banking services. But cards with additional features, according to customers, often do not correspond to the stated benefits. In particular, they note the incorrect accrual of income or cashback, the collection of a subscription fee in the event of a declared absence, etc.

In addition, in most cases it is not possible to receive competent advice in a timely manner, because employees do not have complete information. Quite often there are cases where the bank blocks a product on its own, without notifying the client. This happens when the bank accepts the transaction as atypical, “suspicious”. Moreover, unlocking sometimes takes quite a long time, causing a lot of difficulties on the part of the client.

But, despite the reviews received, the MTS debit card corresponds to the appropriate level of card product: Classic, Standard, Gold or Platinum. In accordance with the status, it allows you to receive privileges and use discounts and promotions from Visa and MasterCard partners everywhere. The range also includes virtual, student, gift, Money and Money Contribution.

Card Money from MTS Bank

MTS Money debit card is the most well-known product today, enjoying interest from customers. In addition to standard features, the card entitles you to some benefits. First of all, we are talking about the opportunity to earn additional income. To do this, you need to enable the “Cumulative +” option. It is stated that this happens automatically when the card is opened.

Savings account

A second account is opened for the client, a savings account, which receives interest on the balance. To receive them, you must maintain a balance of over 1 thousand rubles. The rates are within the following limits:

7.5% for amounts up to 299 thousand rubles;
6% for amounts over 300 thousand rubles.

If a client has several MTS Money Deposit and Money debit cards, you can connect the opportunity to receive income to only one of them. Additionally, if you have a savings account, you can activate the Change service. It operates according to the following rules:

When paying for a purchase, the bank rounds the amount up.
The rounding amount is selected by the user upon connection (10 or 100 rubles).
The difference between the rounded and actual cost is calculated.
It is sent to a savings account.
Only the actual purchase price is debited from the card.

Activation of this option is possible only with an active savings account.

Cashback on the Money card

In addition to the income function, the MTS Money debit card provides for the possibility of cashback. It can be provided in several ways. Clients find cashback transferred to their phone account the most interesting. When making payments by card, 3% of the costs are returned to the client’s phone balance. The service is paid and costs 500 rubles. In addition, a limit has been set on the maximum return amount - 1 thousand rubles.

The second cashback opportunity is presented in a more traditional form: when making non-cash payments, 3% of the cost is returned to the card account. The following rules apply:

Turnover must exceed 15 thousand rubles per month;
The service is not available to cards with a credit limit;
All types of payments for goods and services are taken into account, with a few exceptions (you should clarify them separately according to your tariff for the MTS Money debit card, reviews confirm the exclusion of the category of government services and some Internet transactions);
The maximum cashback does not exceed 1,500 rubles per month;
The cost of activating the service is 1500 rubles.

Benefits for travelers

There is also a Travel service designed for customers who fly frequently. It allows you to accumulate points to pay for air tickets, hotel services and car rentals. Accumulation occurs under the following conditions:

A point is awarded for every 20 rubles spent for the Standard card format and for 15 rubles – for Gold and World;
When paying with a card abroad, the value of points is doubled;
At the end of the year, 15% of the amount of points received for the period is awarded;
Points are retained for 3 years;
Cost of service: 1300 rubles.

You can activate each of the options yourself by calling the bank’s toll-free number. Here you will need to press numbers, according to the prompts of the autoinformer.

Terms of issue

A classic MTS Bank debit card has a service cost of 590 rubles, which is quite comparable to the products of other institutions. The price of the Money card is also within this limit. An additional product to one account is issued and serviced free of charge. According to a special offer from the bank, products are issued with a service cost of 300 rubles.

To get a card, just go to any MTS sales point and fill out a form. This can also be done on the website. You will need to select:

Card type;
Account currency;
Named/unnamed (they differ in terms of issue);
Status: classic, gold, platinum;
City and point of issue;
Personal information;
Passport data;
Registration address;
Phone, contacts;
Income level;
A codeword.

After submitting your application, you need to wait for feedback. In this case, the employee will specify the date and place of receipt. You will need to wait up to 10 days for your personalized product.

conclusions

Thus, the MTS debit card is a standard banking product, allowing you to make non-cash payments, make transfers, use abroad, etc. The Money card allows you to earn income, cashback or accumulate points to pay for air tickets. To do this, you will first need to enable the appropriate option. Reviews about additional features are often negative. It is worth studying them first to know what difficulties you may encounter when using an MTS debit card.