With the development of online shopping in Russia, such a financial instrument as a virtual card has become very popular. MTS Bank did not stay away from the new trend, and in 2013 presented its own version of this means of payment at the Svyaz-Expocomm exhibition. The first version of the card was only suitable for paying for purchases from a PC. But soon the bank released a version for smartphones, with which it was possible to pay for goods in supermarkets through a contactless payment system. What are the main features of this offer, and how does it work in 2017? Let's try to figure it out.
The MTS virtual bank card is available to two categories of customers. These include:
Additional obligatory conditions are the age of majority of the client and the presence of a valid Russian passport and Russian residence permit.
Important! The offer is available only to individuals. For subscribers connected to cellular communications at a corporate rate, as well as for organizations, the MTS Virtual Card service is not provided.
Both for PC and smartphones, the card is provided free of charge. The bank does not charge commissions for maintaining an account and reissuing a means of payment. However, there is a commission for replenishing the account. With a replenishment amount of up to 5,000, it is 60 rubles per operation. Transfers to the account in the amount of more than 5,000 rubles are made free of charge.
The main terms of the product will differ depending on whether the MTS Money virtual card is issued for a PC or for a smartphone.
Attention! Both considered means of payment from MTS Bank belong to the MasterCard payment system. A product such as a virtual card Visa MTS does not exist.
To receive a virtual means of payment, MTS subscribers were offered two options:
To top up the card without going into your Personal Account, you need to go to the "Easy payment" tab on the MTS website
In both cases, the client was asked to complete a short questionnaire. After entering the data, it was necessary to accept the terms of the virtual card offer and confirm their consent to its issuance using the code received via SMS. Upon completion of registration, the client received a message that indicated the number of the new card and its validity period. The security code had to be requested before each new operation. He also came to the phone and acted within an hour after receiving.
Unfortunately, at the time of this writing (April 2017), MTS Bank stopped issuing virtual cards in both options. Those customers who have previously issued this means of payment can continue to use it. But getting a new card, as well as reissuing an old one that has expired, is not yet possible. What is the reason for this decision, and whether the release of this popular payment instrument will resume, MTS Bank does not report.
To pay for purchases in an online store using a bank card, a payment transaction is performed without using terminals. The buyer only needs to enter the details of his payment instrument and confirm the operation by entering a one-time SMS password. The absence of the need for plastic cards for online purchases has led to the emergence of electronic payment instruments. The MTS virtual card does not have a physical plastic carrier and is issued only in the form of details.
The purpose of the electronic banking payment instrument is to make online payments and transfers on the Internet. That is, the user has access to:
Electronic banking products can be very useful for users who are afraid that their details will fall into the wrong hands when making online transfers. The card can be obtained for one-time payments and replenished only for an amount sufficient for the purchase. Even if attackers obtain user details using spyware, this will not pose a threat to his financial security.
Virtual plastic is issued immediately after an online application is made, and its details are sent to the user via SMS.
A bank virtual card of MTS Bank is issued and used for making payments via the Internet on the following conditions:
Since the issuance of virtual payment instruments does not require material resources and transactions through ATMs are impossible, they have very low tariffs.
You can get virtual plastic at.
The MTS MasterCard virtual card is issued to persons who meet the following requirements of the issuer:
| Replenishment points | Commission amount, rub. |
|---|---|
| Internet bank | 0,00% |
| Bank offices | 0,00% |
| Service "Easy payment" | Transfer from plastic of another bank - 1% (min 40) |
| Personal account of the subscriber of the MTS operator - 4% (min 25) | |
| Salons MTS | 1% (min 50) |
| Salons "Euroset" | 1% (min 50) |
| Salons "Svyaznoy" | 1% (min 50) |
| Shops "Eldorado", "Technosila" and "M.Video" | 1% (min 50) |
| Free checkout | 1% (min 50) |
| Qiwi Wallet | 1.6% (min 100) |
| Terminals X-Plat, CyberPlat, TelePay | From 1% |
| Terminals "Eleksnet" | 1.6% (min 50) |
| Transfers by card number from other banks | According to the current tariffs of the bank from which the transfer is sent |
Maintenance of a virtual payment instrument account is free of charge, so if you stop using it and safely forget about it, you will not have any debt. However, you can contact the nearest bank office or MTS communication salon and fill out the appropriate application. The rest of the funds can be transferred to your existing accounts.
The virtual payment instrument "MTS Money" provides its owner with:
Despite all the above functions, you will not be able to pay with your virtual card for goods whose cost exceeds 15,000 rubles. This tool is suitable for making small purchases. It is also important to note that the company issues only one type of virtual cards - MasterCard, so Visa MTS cannot be issued.
With the development of online shopping in Russia, such a financial instrument as a virtual card has become very popular. MTS Bank did not stay away from the new trend, and in 2013 presented its own version of this means of payment at the Svyaz-Expocomm exhibition. The first version of the card was only suitable for paying for purchases from a PC. But soon the bank released a version for smartphones, with which it was possible to pay for goods in supermarkets through a contactless payment system. What are the main features of this offer, and how does it work in 2017? Let's try to figure it out.
The MTS virtual bank card is available to two categories of customers. These include:
Additional obligatory conditions are the age of majority of the client and the presence of a valid Russian passport and Russian residence permit.
Important! The offer is available only to individuals. For subscribers connected to cellular communications at a corporate rate, as well as for organizations, the MTS Virtual Card service is not provided.
Both for PC and smartphones, the card is provided free of charge. The bank does not charge commissions for maintaining an account and reissuing a means of payment. However, there is a commission for replenishing the account. With a replenishment amount of up to 5,000, it is 60 rubles per operation. Transfers to the account in the amount of more than 5,000 rubles are made free of charge.
The main terms of the product will differ depending on whether the MTS Money virtual card is issued for a PC or for a smartphone.
Attention! Both considered means of payment from MTS Bank belong to the MasterCard payment system. A product such as a virtual card Visa MTS does not exist.
To receive a virtual means of payment, MTS subscribers were offered two options:
To top up the card without going into your Personal Account, you need to go to the "Easy payment" tab on the MTS website
In both cases, the client was asked to complete a short questionnaire. After entering the data, it was necessary to accept the terms of the virtual card offer and confirm their consent to its issuance using the code received via SMS. Upon completion of registration, the client received a message that indicated the number of the new card and its validity period. The security code had to be requested before each new operation. He also came to the phone and acted within an hour after receiving.
Unfortunately, at the time of this writing (April 2017), MTS Bank stopped issuing virtual cards in both options. Those customers who have previously issued this means of payment can continue to use it. But getting a new card, as well as reissuing an old one that has expired, is not yet possible. What is the reason for this decision, and whether the release of this popular payment instrument will resume, MTS Bank does not report.
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In response to the intrigues of imperial specialists, MTS offered a very logical way to secure money in a blood account - to acquire your own virtual MTS Bank card - MTS Money MasterCard. This is a virtual card, which, as conceived by the developers, should completely deprive access to the account from which purchases were previously made. It exists only in digital form, it does not have a plastic incarnation. Everyone who works with MasterCard accepts payments from it. Similar virtual cards have and.
Previously, in the period when the MTS virtual card was not yet developed (and analogues from other companies), there were two links when making a purchase:
Now things are a bit more complicated:
That is, in fact, you deprive someone on the seller's side of getting your personal data. They will remain under the jurisdiction of only the one who maintains your account.
Below is a detailed algorithm for making purchases through a virtual card:
Important: if there is money left on the virtual card, you can use it for the next transaction. But no one will have access to them until they enter the CVC2 phone code of the MTS Money card, which you can only request through your phone.
Also important: for greater security, the code will be valid for only one hour and will be canceled after the transaction. Moreover, it will only be valid for one operation, even if it is not successful (failure occurred, there were not enough funds, and so on).
This virtual card is issued free of charge. Later it will only need to be replenished.
You can apply for an MTS credit card online. The card is issued on the website page (you can also go from here, from the MTS website). The procedure is as follows:
Important: It is extremely difficult to forget the card number. It is formed as follows: first there are bank numbers 5550, then your phone number 99 999 999 999 and the number 8. That's it, the card number will be: 5 550 999 999 999 998. The card will work for 6 months. Then it will also be re-released for free.
Additional Information
You can also perform other operations through the phone:
Since using a virtual card is quite convenient, and most importantly, in the light of constant reports about it, it is completely safe, today it is gaining more and more popularity. It seems that 1.5% is not such a big price to pay for the safety of your own funds.
