How to withdraw money from your phone - we are looking for a profitable way. Bring yourself benefits What can you pay with your mobile phone?

Megafon warns that not all banks accept money from a telephone balance to a card, and therefore advises using the “transfer to a bank account” service.

Transfer funds from phone to bank account

We return to the main menu and go to the “transfer to bank account” tab. Everything here is the same as in the previous version. Enter your phone number and secret code. We dial the account number, consisting of 20 digits. We agree to carry out the operation.

The conditions are the same: 5.95% + 95 or 259 rubles, period – up to 5 days. You can use the service if an account is opened in the banks Home Credit, Otkritie, Absolut, Russian Standard, Tinkov, OTP Bank, MTS-Bank, Alfa-Bank, Renaissance Credit, Probusinessbank, Bank24.ru and some others.

If you do not want to deal with the transfer of funds to a bank card or account, you can use the “Receive Cash” service.

Several options for receiving funds from your phone in cash

Megafon invites us to use any of five money transfer systems: Unistream, Leader, BLIZKO, CONTACT, ANELIC. Choose any one - the withdrawal conditions are the same everywhere: 5.95% + 95 or 259 rubles. Limits: 15 thousand rubles. per day and 40 thousand rubles. per month.

Let's use the BLIZKO system (note: the principle of translation is the same everywhere).

The operator offers two options: withdraw funds via SMS or fill out a form - choose the method that is acceptable to you. You will have to collect the money in person at any BLIZKO distribution point. You should take your passport or other document confirming your identity with you. Don't forget to provide the transfer control number. It will come to you in the form of SMS immediately after the operation is confirmed.

Virtual cards of the Big Three

MTS, Beeline and Megafon offer their clients virtual bank cards as a means of payment on the Internet. The Megafon card balance is equal to the balance of the phone linked to it.

Getting an online card is easy: follow the link and follow the instructions.

Transferring money through MegaFon-Visa is not actually a transfer of any kind. This is just an opportunity provided by the operator to use your balance to pay for goods and services on the Internet. That is, money comes to you in the form of paid utility bills, applications purchased on Google Play, purchased in an online store of things, etc.

The fee charged is 1.5% of the payment amount + 5 rubles. Limit: 15 thousand rubles. per day.

How to cash out your phone balance using other online services

The first option is to transfer money to a Webmoney wallet. To do this, use your account on the official website of the payment system.

Go to the “Top up” tab and select “From a mobile phone account”. A new window will open in front of you. The service notifies that it is also possible to top up the account from the balance of the client of the Megafon operator.

The transfer commission will be 7%. Let's remember that withdrawing funds through Megafon's website cost us less - only 5.9%.

And one more honest way: the QIWI-WALLET service.

Click the “Top up” button and then go to the “Pay” tab. Choose an operator, in our case it is Megafon with a commission of 5.6%. Specify the transfer amount and wait for a confirmation SMS.

That's all. Here are six ways to withdraw money from your phone in the form of cash and non-cash funds. Which option to choose is up to you.

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 a mobile application. 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 the 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

The digital card has the following transaction limits:

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.

Where can you use money from your mobile phone - options and methods.

In my opinion, the most convenient and optimal way to benefit from the money on your phone is to cash it out. This can be done without losing interest when withdrawing in this way: find a colleague or friend who needs to top up their mobile phone balance. You will transfer money to him from your account, and he will give you cash. The top three mobile leaders (Beeline, MTS, Megafon) have such a service and it is inexpensive.

Excellent: a device with a few signs of use, such as small scratches, is almost unnoticeable. Very good: a device with some signs of use, but lighter. Good: A unit with many different signs of use such as scratches, scratches and dents.

In MTS, transferring money from account to account costs only 10 rubles; this amount may vary across the country. The service for transferring funds to MTS is called “Direct Transfer”. How to transfer money from MTS to MTS? (3 ways): link.
Transferring funds to MTS is possible not only within the network, but also to numbers of other operators: link.

You can also simply pay by credit card via mobile internet by entering your bank details, just like on a computer. But the new fad that will change the way we pay in the near future is contactless payment: phones are starting to appear that include a mobile payment system where you just need to hand your phone in front of the terminal to pay for your purchase. These markers are starting to bloom everywhere and will soon become commonplace . Farewell wallet, check or credit card!

Also possible:
- payment for Internet and satellite Internet;
- payment for television;
- payments in online stores;
- payment for telephone services;
- payment for mobile communications;
- buying tickets to a concert or cinema;
- buying magazines;
- payment for software and hosting;
- purchase of electronic currency;
- payments on social networks;
- payment of duties and fines to the traffic police;
- making money transfers.

The principle is simple: you register through the application and enter your bank details, regardless of the bank where your accounts are located, and select the option you want to use: pay for purchases, send money to your friends or send requests for money, such as general present. You don't need to go to a store to buy tickets, you can simply pay through the app on your phone or directly from your mobile phone in stores equipped with a contactless payment system. stored directly on your mobile phone, so you don't have to forget your transport tickets at home!

Let us add that the number of services that can be paid for with a cellular device is constantly growing, and their variety is increasing. Most often, Premium SMS is used for payment. Unfortunately, such payments do not fully comply with legal standards, which makes it very difficult to develop the mobile payment market in this direction. And if the user does not know, the question of such payments is removed by itself.

What should you keep in mind?

However, you must equip yourself with a mobile phone and a package compatible with the use of the application. from your operator. To avoid getting angry, it is better to take care of some points. Where will the money be collected? From your mobile operator or from your bank account?

Will there be an additional payment? Paying with your mobile phone is fine, but isn't it worth the extra? If in doubt, even for a small amount, don't risk it! Is my data secure? What really turned people off from buying something. In the early days of online e-commerce, paying online involved providing your card number and expiration date. To do this, you have been redirected to the bank's page in the online store.

As for using NFC, the phone itself must support this technology. NFC is usually used to pay for utilities, purchases and television. In addition, the use of near field communication is actively practiced where cash payments have been replaced by non-cash payments (for example, today non-cash payment of fares on public transport is allowed).

But this was not enough, they decided that you also need to indicate the three-digit number located behind your card. Then 2-3 years ago they decided to provide in addition to other details such as your date of birth and this on another page that you were redirected to after the first form provided by your bank.

Along the way, you will notice that you have two redirects and thus a total of three forms to fill out: the one that the merchant has for your contact information for delivery or the other, that is, the merchant bank and, finally, from your bank. At the moment it was annoying.

So, now we know that you can pay with your mobile phone. Let's talk about the features and advantages of mobile payments.

Advantages of paying for services from a mobile phone

The advantages of such payments include a wide selection of different services, time savings, convenience and security. In addition, in order to pay for a particular service, you only need the Internet and a telephone.

You lost or forgot your phone So much the worse for you, go somewhere else, don't pay for what you need to pay and jump, even fewer clients for the trader and so much the worse if it's an urgent purchase. You will see that this will not be enough to counter fraud because of course it will not stop bag snatchers from buying online as they will have the blue card and your phone and that in 2 years you will have to swipe using a fingerprint reader fingers to pay online.

And in 3 years this will be what? genital print reader? rectal? Will it be necessary to prove that it is 15 times better if you own a blue card before payment is confirmed? Of course, there are fewer purse thefts than card piracy on the Internet. Class for payment in the office, in front of colleagues, right?

Even if there is no Wi-Fi nearby, you can use the mobile Internet - you just need to select the appropriate category. For example, we select “utilities”, indicate the personal account number, telephone number and housing office number, enter the amount and pay. Passport and other personal data are not needed.

The presence of a commission when transferring funds depends on the company to whose account they are received. Sometimes it is missing. In any case, even if there is a commission, its size is small, and the exact amount will be indicated before we make the payment.

What is it? . Leave your wallet in the car! You don't need to take out your credit card or count your currency, you can now pay directly for your smartphone. Do you want to support a cause or association that is important to you without having to fill out extensive forms? seconds! None of your banking information is stored or transmitted via your smartphone.

Download the app now and send mobile payments! Buy a voucher that can be used against the following minimum fuel requirement of 30 liters at all partner stations. The cost of subscription services is truly exorbitant and we soon find ourselves with a few cents left on the smartphone.

Surely, everyone has at least once thought about how you can withdraw money from your mobile phone account and is it even possible? And for some, such an opportunity is even necessary for various reasons. The most common reason is payments to a mobile phone from various Internet projects, for example, from questionnaires, the PageTester service and others, which have the ability to transfer earned funds only to the phone balance. In this case, I think many will want to withdraw their earnings from their phone account, especially if there are already enough funds on the phone to pay for communications.

And in this article I will talk about the most convenient ways to transfer your money from mobile phone accounts of 3 cellular operators to various payment systems on the Internet and to bank accounts / cards. In the article I will touch on the most popular cellular operators: Beeline, MTS and Megafon.

Let's first consider the possibilities of transferring funds from a mobile phone to major electronic payment systems.

Withdrawal of funds from a mobile phone account to an account in the QIWI payment system

Today, it is possible to transfer funds from a mobile phone account to the QIWI payment system from the following operators: MTS, Megafon, Tele2 and Matrix. It has been impossible to transfer money from a Beeline account to QIWI for more than a year.

Important limitation! In one QIWI account, you can withdraw money only from the phone to which this account is registered.

Let's look at how to withdraw money through available mobile operators:

Here is a simple scheme for transferring funds from mobile phone accounts to the QIWI payment system.

On the plus side I will highlight this method of output: speed, convenience.

Of the minuses: there is no way to transfer funds from Beeline operator phones and, most importantly, there is a huge commission for the transfer. The commission of 9.90% is very high and unprofitable! But when there are no other options left, you can use this method of transfer, but then it is better to transfer small amounts so as not to lose a lot on a large commission.

Now let's consider the possibility of withdrawing funds from a mobile phone to a WebMoney wallet.

Withdrawal of funds from a mobile phone account to an account in the WebMoney payment system

You can make transfers to the WebMoney payment system from mobile phone accounts of the following operators: Beeline, Megafon, MTS and Baikalwestcom.

Let's look at how to do this step by step:

As you can see, withdrawing any amount from your phone to WebMoney is not difficult, everything is simple and fast.

Pros This method of withdrawing funds from your phone is exactly the same as when using QIWI: speed, convenience.

Well cons the same as when working with QIWI: exorbitant commissions (9-11% of each transfer).

Of the most popular and major electronic payment systems, we did not consider only the Yandex-Money system. The fact is that it is impossible to top up your Yandex-Money account through their own service. All other options for transferring funds from a phone account (including topping up Yandex) can be done through the official websites of cellular operators.

Let's start with the MTS operator.

The main methods of withdrawing funds from a mobile phone account connected to the MTS operator

I personally have been using this telecom operator for all the years since I was given my first Sony Erriscon T230 phone. It’s just how it happened in our family. But it also turned out that withdrawing funds from the phone account of the MTS operator is easier than from the phones of other operators and there are more options.

Let's look at what options are available for withdrawing funds from MTS operator phones:

For example, through the “Electronic money” section you can transfer money both to QIWI, WebMoney (the withdrawal of which we have already discussed above), and to many other payment systems, including the Yandex-Money system, which does not have the ability to top up your phone account through its website .

As an example of working with the MTS “Easy Payment” service, let’s consider replenishing an account in the Yandex-Money system:

On the plus side When withdrawing money from your phone to payment systems through the MTS service, I will again highlight only convenience and speed.

Minus as always – huge commissions, which can be more than 10%!

It is also very convenient to withdraw money from your phone directly to a Visa or Mastercard card of any bank.

The only thing is that this method is more or less profitable only if you withdraw 600 rubles or more. Because the mandatory minimum commission is 25 rubles. In this case, if you withdraw, for example, 100 rubles, then the amount with commission will be 125 rubles, which is simply insanely high! In general, the commission is 4% and when withdrawing, for example, 600 rubles, you pay the same 25 rubles as a commission. I think you understand what I meant...

Therefore, I recommend withdrawing from your phone to a card through this MTS service only amounts of approximately 600 rubles and above.

Total plus is convenience, since you will receive the money directly to the card! But the speed will not always be, since the money, depending on the bank you use, will be credited either in the same minute or up to 3 days inclusive.

Minus– It is very unprofitable to withdraw small amounts.

Well, the last method of withdrawing money from a mobile phone, which I would like to consider from all available through the MTS service - transfer of funds using payment details of any bank.

Let's look at how to withdraw funds from MTS phones to bank payment details:

I use this method to withdraw money from my phone regularly.

Plus there is one and very important one - a small commission.

Minus– funds can be credited up to 3 days inclusive and it depends on the bank. Usually in about a day.

So, if you have a phone from the mobile operator MTS, then I recommend withdrawing funds using the last method above, and of course, if it’s convenient for you :)

Cellular operators Beeline and Megafon also have exactly the same services similar to “Easy Payment” in MTS. The principle of payments there is similar, and now we will briefly consider the options that interest us for withdrawing money from a mobile phone account through the services of these operators.

Basic methods of withdrawing funds from a mobile phone account connected to the Beeline operator

The Beeline service, which provides the ability to withdraw funds from a mobile phone account or pay for any services, is called “Pay from account”.

In order to switch to this service, open the official website of the cellular operator Beeline using the link:

beeline

On the website, in the main menu at the top, select “Payment” and in the pop-up list – “Pay from account”:

As a result, a page will open with a large number of categories of payment / withdrawal options:

All we have to do is select the desired category and the desired option in it. If you look through the list of categories, you will see that Beeline does not provide the ability to withdraw funds to any of the payment systems, which may be inconvenient for some users.

Of all the categories presented on the site, we are only interested in 2: “Loan repayment” and “Money transfers”. Money transfers include transfers through the CONTACT and UNISTREAM systems, through which you can cash out funds. We will not consider such systems, since these are very inconvenient withdrawal methods, since it is easier to send money to a card.

And in the “Loan repayment” section we see what we need - the ability to withdraw money to Visa and Mastercard cards, as well as to the accounts of the banks presented in the list:

All of these methods have a huge disadvantage - quite large minimum amounts for withdrawal of funds for many well-known banks and cards. For example, for Alfa-Bank the minimum is 1,000 rubles, for Sberbank – 500 rubles, and withdrawal to Mastercard cards – from 1,300 rubles.

Mastercard replenishment

To pay with Mastercard cards, select the appropriate button from the list:

Everything is simple here. The card number is indicated, then the phone number from which the payment will be made and the amount (from 1300 rubles). The commission is 5.95% + 10 rubles for making a payment.

To continue payment, you must enter the captcha, check the “I agree to the terms of service” checkbox and click the “Pay” button.

You will need to perform subsequent actions using your mobile phone. You will receive an SMS with instructions for further actions.

Pros of this replenishment option: convenience. The money will be credited directly to your bank card.

Cons: The crediting period depends on the bank and can be up to 3 days inclusive. The second minus is the commission. 5.95% + 10 rubles is still a bit much. And the last minus is that the minimum for withdrawal from the card is 1300 rubles.

Top up your account at the selected bank

You need to select from the list a bank that is convenient for you, where you have a current account, for example, Alfa-Bank:

You can display more banks on the page by clicking the button at the bottom of the page: “Show N more services”, where N is the number of options available to you.

When you go to the payment page, you must indicate at the very top your current account, the Beeline phone number from which you are withdrawing funds and the payment amount:

Below you will see the amount already taking into account the commission, which when withdrawing to the accounts of any bank is 2.99% + 10 rubles for making a payment. This is already significantly less than when withdrawing funds to bank cards.

To complete the payment, you need to enter the captcha at the bottom of the page, accept the terms of the agreement by checking the “I agree to the terms of service” checkbox and click the “Pay” button. Well, then you will receive the same payment confirmation via SMS, which will be sent to your phone.

The advantage of this method– low commission.

Cons– depending on the bank, the minimum amount that you can withdraw can vary from 10 to 1300 rubles or even more. And the second disadvantage is the term for crediting funds - from 1 to 3 days.

I told you about the most convenient ways to withdraw money from mobile phones of the Beeline operator. Well, it remains to tell us what is available to us from the Megafon operator.

Basic methods of withdrawing funds from a mobile phone account connected to the Megafon operator

The mobile operator Megafon has 2 services that allow you to withdraw funds from a mobile phone and pay for various services using it: “Money transfers” and “Megafon Money”.

I’ll immediately touch on the restrictions and conditions of mobile payments from Megafon operator phones:

After payment/withdrawal of funds, you must have at least 10 rubles left on your balance;

The minimum payment is 1 ruble, the maximum is 5000 rubles.

The maximum payment amount per day is 15,000 rubles, and per month – 40,000 rubles.

Withdrawal options and tariffs for the Money Transfer service from Megafon.

You can access this service at:

megafon

Let’s immediately take a look at the tariffs for available translations. To do this, in the left column, go to the “Tariffs” section:

From this section it is clear that the commissions for withdrawing funds are quite large, for example, when withdrawing to bank accounts and cards, it will be at least 7.35% + 95 rubles!

At the same time, the “Money Transfers” service does not support withdrawal of funds to any of the electronic payment systems on the Internet.

In general, you can withdraw money through this service only in 4 ways: in cash through the CONTACT, UNISTREAM and similar systems; to a bank card; to a bank account, to another phone number.

The principle of payment is exactly the same as, for example, in Beeline, only before making a payment you must immediately authorize you as a Megafon subscriber. As an example, I demonstrate what authorization looks like before payment when withdrawing via a bank card:

You need to enter your Megafon operator phone number and click the “Get password” button. After that, you will receive a password via SMS message to the specified number, which you must enter on the same page below in the “Password” field and click the “Login” button.

After this, the withdrawal/payment process will be similar, for example, to how you did it. Those. you will need to indicate the account number/card (depending on which withdrawal method you chose), the phone number from which you are paying and the amount.

Megafon Money service does not have any useful and profitable ways to withdraw funds from your phone.

You can go to this service and see the available options using the link:

megafon

You will be taken directly to the section for services that you can pay for and options for where you can withdraw money. On the page that opens, go to the “Service Catalog” tab and see all the sections that Megafon offers us:

Unfortunately, of the sections that are interesting to us, there is only one - “Electronic money”, and there are only 2 withdrawal methods: a wallet in the QIWI payment system and a wallet in the W1 (Unified Wallet) system. You can already top up QIWI from your phone from the Megafon operator directly through your account in this payment system, as I wrote at the beginning of this article. But the W1 system is not such a popular system and to which it would generally make sense to withdraw money from a mobile phone.

In conclusion, I will summarize. It is possible to withdraw money from mobile phones and this can be done in various ways. In this article, I touched on the possibilities of withdrawing funds from the phones of 3 cellular operators: MTS, Beeline and Megafon. The “Easy Payment” service from MTS has the most convenient payment methods and the largest list of them. Next I’ll highlight Beeline, which also has a good range of withdrawal methods from mobile phones, but the commissions are higher than in MTS and there is no possibility of withdrawing funds to payment systems (for example, Yandex-Money). Well, the last one - Megafon, in my opinion, clearly lags behind all the others in terms of mobile payment capabilities (withdrawals from the phone and payments), since there are few withdrawal methods and the commissions are quite high.

In addition to withdrawing money from a mobile phone account to various payment systems and bank accounts, many will probably be equally interested in the topic of transferring funds between phones of different cellular operators. You can read about this in a separate article:

And that’s probably all for today... Good mood and good luck to everyone! ;)

Do you have a certain amount of money accumulated on your phone and need to withdraw it? Why and how doesn't matter. The main thing is, is it possible to remove it and how to do it? And how much will this pleasure cost?

You won't be able to cash out money from your phone for free. All operators charge money for this. The only difference is the amount of commissions. And looking ahead, I will say that it may differ several times!

It all depends on 3 parameters:

operator;
amount withdrawn;
cashing method.

If you are looking for an answer to a question,

how can you withdraw money from your phone to a card (for example, Sberbank) without commission

I'll disappoint you. You won't find this way. I searched and the result was negative.

The percentages for withdrawals stated on websites on the main pages do not accurately reflect the real picture. Usually it is indicated from….%, that is, the minimum percentage. In fact, it can be increased by 50-100% for sure.

I also had this need. Several tens of thousands of rubles are stuck on the Internet. And they had to be transferred somewhere. Therefore, we had to conduct a comparative review of the possibilities for withdrawing money from a phone from the main mobile operators:

Tele2;
Beeline;
Megaphone.

You can find services online that provide similar services. But it is still safer to use the services directly from official representatives.

I decided for myself that if the size of the commissions varies greatly, then I will create an additional new number with the desired communication provider and will carry out withdrawals at the lowest cost.

So, let's go - how you can withdraw money from your phone with minimal losses.

Each mobile operator provides the ability to withdraw funds. The only difference is the size of the commission and some restrictions on the amount of withdrawal amounts.

All operations are available on the official websites of communication providers (or in the application).

How to transfer money from Beeline

The actions we need are hidden in the “Payment and Finance” - “Money Transfers” menu.

Several withdrawal methods are available:

to a bank card;
electronic wallet;
withdrawal from an ATM;
money transfers.

Transfer to card

commission from 5%;
The minimum withdrawal amount is from 50 rubles;
withdrawal time - from 5 minutes.

The required minimum 5% commission from Beeline is achieved only when transferring from 5561 rubles.

It is generally not profitable to withdraw small amounts. The withdrawal fee is simply extortionate.

If we convert the above commissions into percentages, we get the following picture:

up to 250 rubles - from 20%;
from 250 to 730 rubles - 14 - 28%;
730 - 1,430 rubles - 6.6 - 13%;
1,430 - 1,880 rubles - 6.4 - 8.3%;
1 880 — 3 800 — 6 — 12%;
3 800 — 5660 — 6,1 — 9%.

It turns out that in order to withdraw the minimum amount of 50 rubles from Beeline, you will additionally have to pay the same amount in the form of a commission. Which in this case will be as much as 100%.

It will be cheaper to withdraw money to a bank account (not to a card) - 2.99%. Account details can be found either in the agreement or at the bank. Also, if you use your bank’s personal account, the necessary information, which account your card is attached to, is always available.

The downside of a bank transfer will be the payment processing time of up to 3 business days. When withdrawing to a card, funds arrive within 2-3 hours (up to 24 hours), but usually much earlier.

Cash withdrawal from an ATM

The website has instructions on how to do this. And a list of ATMs in your city where you can cash out.

There are no tricks here and there is a single rate - 5.95% of the withdrawn amount. The main thing is that the ATM is one of Beeline's partner banks.

You can withdraw no more than 5,000 rubles at a time and a maximum of 40,000 per month.

Money transfers

Output available to:

Unistream;
Contact;
post office;
Golden Crown.

Uniastream and Contact charge 5.95% + 10 rubles, regardless of the transfer amount. Enrollment is almost instant.

Withdrawal via Russian Post will be cheaper, only 2.6% + 50 rubles (if you are willing to wait a week).

It is preferable to withdraw through the Golden Crown. Absolutely no withdrawal fees. But the maximum transfer amount is only 1,000 rubles.

Money can be obtained at Beeline offices and partner stores. You can find a list on the website.

Conclusions and preferred method of cashing out from Beeline

It is more profitable to withdraw small amounts (up to 1,000 rubles) through Zolotaya Korona. But here you will definitely need to visit the office (and spend time).

Transferring to a bank card turned out to be the most unprofitable. If you do not withdraw the maximum amount (5660 rubles and above with a 5% commission), the transfer fee will cost on average 8-10% or more. But there is a definite plus here. The money goes almost immediately to the card and there is no need to go anywhere. For small amounts withdrawn (up to 500 - 1,000 rubles), you can probably turn a blind eye to a commission of 50-100 rubles.

If time is of the essence: the alternative is direct withdrawal to a bank account - only 3%. Funds will appear in your account within 3 days.

When using money transfers and ATM withdrawals, we have approximately the same costs - 5.95%. The choice in favor of one or another withdrawal method must be made based on the amount (maximum 4,000 at an ATM) and the time spent (either go to the ATM and withdraw money, or find a transfer issuing point, wasting time standing in line and processing the transfer issuance) .

I don’t even want to talk about Russian Post. A week for translation + the possibility of being stuck in a queue for an indefinite time is somehow not very impressive. Although there may be extreme sports enthusiasts who are willing to stand in line for an hour for a low 2.6% commission......

How to withdraw money from an MTS number

MTS has 3 options to cash out:

transfer to card;
money transfers;
to a bank account.

Go to the “Manage Payments” tab, then select “Money Transfers” or “Easy Payment”. Or follow the link https://pay.mts.ru/.

To a bank card

Transfer limits from 50 to 15,000 thousand per transaction. But no more than 5 payments per day.

Commission 4.3%, but not less than 60 rubles.

Processing time up to 2 hours. But usually the money is credited immediately.

Because of the notorious 60 rubles, when withdrawing small change, the interest rate will be many times higher than the stated 4.3%.

For example,

for 300 rubles - 20%,
500 rubles - 12%;
1000 rubles - 6%.

The required 4.3% commission from MTS is achieved when transferring to a card from 1,400 rubles (60 rubles).

Money transfers

Payment systems similar to Beeline + Russian Post.

Russian Post - 4.2% + 55 rubles for transfer (period 4-8 days, from 100 to 14,000 rubles);
Contact and Unistream - fixed 4.3%, regardless of the amount (instantly, from 1,000 to 15,000 per transaction).

Easy payment

Another way to withdraw money to a card from the MTS operator is “Easy payment” - “Repayment of loans”.

Select the required bank from the list provided. Transfer is available by card number (fast, but more expensive), or directly to a bank account (longer, but cheaper).

Withdrawal to a card will cost the standard 4.3% (or 60 rubles).

When withdrawing to an account, the transfer fee will depend on the selected bank (in most banks 2.3% + 10 rubles for making a payment).

The exception is Sberbank - 2.6%.

A profitable way to cash out from MTS

If you have time, the best option is withdrawal to a bank account (within 1-3 days), with a minimum commission of only 2.3%.

If you don’t mind losing an extra 2% on cash, choose a transfer to a bank card (almost instantly) for 4.3%. But don’t forget about the minimum wage of 60 rubles.

It’s a pity to lose extra funds - our option is money transfers for a fixed percentage - 4.3, regardless of the amount. First, of course, you need to find out where the issuing points are located and whether visiting the branch will be convenient for you personally (wasting time on the road and processing the receipt of payment).

How to withdraw money from a Megafon phone in cash

Money from your phone balance can be cashed out only in two ways:

to the map.
to a bank account.

The service is located “Options and services” - “Payments and transfers” or at the link https://money.megafon.ru/

from 50 to 13,730 rubles per transaction when withdrawing to a bank card;
from 1 to 15,000 rubles (per operation), up to 40,000 per day and month to a bank account.

Tariffs for transfers are simply outrageous.

to the card:

7.35%+ 95 rubles for withdrawal up to 5,000 rubles;
7.35% + 295 rubles - from 5000 rubles.

To a bank account - a flat rate of 8% + 40 rubles, regardless of the payment amount.

Let’s consider, as an example, how much you will have to pay when withdrawing different amounts to a card from Megafon:

500 rubles - 36.75 (7.35%) + 95 rubles. = 131.75 rub. or 26%
1,000 rubles - 73.5 + 95 rubles. = 168.5 rub. or 16.85%
3,000 - 220 + 95 = 315 rubles or 10.5%
5,000 - 367.5 + 295 = 662.5 rubles. or 13%.

Transfers from Megafon

Withdrawal methods similar to the above operators are available.

It was not possible to find tariffs on the website. Either they don’t exist, or they are hidden very deeply so that no one finds out the terrible military secret.)))

The amount of commissions is formed only when you specify the transfer amount.

As an example, I’ll show you what the commission was when withdrawing 500 and 1000 rubles to Russian Post - 19.3 and 8.65%. Very expensive.

Megafon map

Megafon has its own payment bank card. Its main feature is a single balance account on the phone and funds on the card. By topping up your card, you top up your phone. Write-off occurs in the same way. You can pay with your card for purchases all over the world.

The only negative is the paid cash withdrawal. 2.5% of the amount (but not less than 100 rubles). You can transfer money by transferring money to cards of other banks (MoneySend). For example, at VTB or Alfa Bank. The rate is 1.99%.

An option for those who periodically need to cash out money from a Megafon phone.

For Megafon subscribers, the card is issued free of charge (if you have a tariff with a monthly fee). Or for only 99 rubles. Self-service plastic amounts to zero rubles per year!!!

How to profitably get money

The Megafon operator does not really welcome (or rather does not welcome at all) the withdrawal of money from the phone balance. How else to explain the simply huge commissions for cashing out funds.

When transferring even 2 - 3 thousand, you will have to pay more than 10-15% of the fees. For withdrawals of 500 - 1,000 rubles we pay almost 20%.

The only correct option is to get a Megafon card (for free) and, if necessary, cash out (for 2.5%) or transfer to other cards (for 1.99%).

Ways to cash out money from Tele2

All financial transactions with a phone number are carried out on the website https://market.tele2.ru/.

What I like about TELE2 is the availability of information and tariffs for translations. Everything is clear and easily accessible. How much, for how much and how.

Carrying out transactions on the operator’s website

To a bank account or by money transfer - 5.75%.

For withdrawal to a card they charge from 50 to 400 rubles. The commission grid is reminiscent of Beeline.

Converting to percentages, we get the following figures:

from 1 to 250 rubles - from 20%;
251 - 730 rub. — 27 — 9.6%;
731 - 1,410 rub. — 12 — 6.3%;
1,411 - 1,880 rub. — 8.5 — 6.3%;
1,881 - 3,800 rub. — 10.6 — 5.2%
3,801 - 5,700 rub. — 7.9 — 5.2%;
5,701 - 14,600 rub. — 7 — 2.7%

I was amused by the amount of fees charged by Tele2, which amounted to borderline amounts. For example, when withdrawing 730 rubles, they take 70 rubles or 9.6%. If you cash out 731 rubles from your phone, then Tele2 already takes 90 rubles or 12.3%.

Take this into account. It may be more profitable to split the amount into several payments.

Transfer via phone

It is much easier (and cheaper) to withdraw directly from your phone.

To do this, just dial *135#. Next, select the required service.

The commission for withdrawal from Tele 2 number is the same - 5% of the transfer amount.

Enrollment period is up to 3 working days.

Restrictions and limits on transfers:

from 10 to 14,200 rubles per operation;
no more than 150,000 rubles per day;
500 thousand per month.

What do we choose from Tele2?

Withdrawing to the bank using SMS commands with a 5% commission is the best option. But...if you don’t withdraw large amounts.

What should be the transfer amount to reduce the commission?

In the table of tariffs for transfers through the site, the minimum fee of 2.7% is achieved with a one-time withdrawal of 14,600 rubles.

If the cash out amount is equal to 8 thousand, we get a 5% commission.

select withdrawal via USSD command for 5% when withdrawing amounts up to 8,000 rubles;
through the operator’s website when cashing out from 8,000 to 14,600 rubles. Then the fee will be from 2.5 to 5%

In conclusion

Withdrawing money from the phone number of major mobile operators (MTS, Beeline, Megafon or Tele2) is not a cheap pleasure.

You will have to pay 5, 10 and even 20% or more, just for transferring your own funds!

For some it may seem like a small amount, the transfer fee is 6-7%. Some may even be willing to pay 10%. If the amount to be withdrawn is small. With 1,000 rubles, you will lose 90-100 rubles. It doesn't seem like that much money.

For me, the option of losing 10% at a time does not look very attractive.

The deposit rate in Sberbank is 5-6% per annum. Imagine, people invest money for a whole year to earn 5-6%. And to get 20% you need to keep the money on deposit for 3-4 years.

A more expedient option is to spend the “surplus” money on purchases or paying for housing and communal services and taxes. All operators have such capabilities. Of course, in some cases commissions are charged (around 2-3%). But there are also “no commission” services. Additionally, some online stores allow you to pay for goods directly from your mobile phone account, without additional fees.

If you still need “real” money, the best option for withdrawing funds from your phone is a transfer to a bank account using the bank details. On average 2.3-3% of the transfer amount.

If “extra” money appears on your phone periodically (for example, from the Internet: review sites, etc.), then it would probably be more advisable to buy an additional SIM card from the operator, with the lowest withdrawal fees.

I made my choice. I received a plastic green one. And I calmly spend money in stores.

If you need to withdraw cash, Megafon has the lowest commission of 2% among the big four operators.

A small financial life hack

There are money transfer services that pay bonuses for transactions, including replenishing your phone balance. The reward is usually from 50 to 100 rubles. Credited to your mobile phone account.

I transfer money to Megafon (replenishing the card accordingly) using the Pay-up service. Details can be found in this.

For 500 rubles, minus the service commission of 10 rubles, the net profit is 40 rubles or 8%.

There is only one drawback - the bonus is awarded only on the first payment per day.

Everyone has a large balance on their phone and low withdrawal fees!