MTS Money Wallet

The main articles are:

• Mobile apps
• Electronic payment systems in Russia
• Payment system

Service "MTS Money Wallet" - mobile application the development of MTS Money, launched in August 2016, with the help of which subscribers MTS instantly upload to - from NFCsmartphones OS Android virtual bank cards for contactless payment of goods and services.

The service was developed in partnership with MTS-Bank PJSC and Runet Business Systems LLC.

2025: Launch of payment by QR code from MTS Money cards

MTS February 7, 2025 announced the launch of the opportunity to pay for goods and services trade at points online stores and according to To the QR code SBP MTS cards Money using MTS applications Money on. Android

This will avoid problems with payment in retail outlets in the absence of a physical bank card, and the online payment process using a QR code goes not only faster, but also guarantees security - there is no need to enter full details on the seller's website or application.

To make a payment, you need to select "Payment by QR" on the main page of the MTS Money on Android mobile application, scan the QR code, check the data in payment form and make a payment.

Also, through the MTS Money application, it is convenient to pay for supplier services throughout Russia and abroad. Among them are cellular communications Internetproviders government agencies, management companies,,, transport insurance investment companies, foreign gaming streaming and services.

2020: Launch of refinancing and processing of consumer loans

On September 21, 2020, MTS Bank PJSC announced the launch of online registration of non-targeted cash loans and refinancing of consumer loans and credit cards in the MTS Money mobile application. This is the fifth channel through which individual clients will be able to sign a loan agreement with MTS Bank.

MTS Money

Signing loan documents in a mobile application is another step towards the digital transformation of banking. We made the interface of the MTS Money application intuitive for obtaining loans. For example, during the formation of documents, clients will additionally familiarize themselves with the description of the next steps, and the contract itself will be able to send to their e-mail or instant messengers. Such online registration in a few clicks on your smartphone is safe, convenient and saves customers time, - said Ivan Barsov, director of retail lending at MTS Bank.

To arrange loans and refinancing through the MTS Money application, it is necessary:

• submit an application at the office, website or Internet bank;
• after approval, agree the terms of the loan with the contact center employee;
• enter the MTS Money application by clicking the "Execute Contract" button on the main screen;
• after the documents are generated, click "Sign" button;
• enter the code received via SMS in the "Confirmation" field;
• after entering the correct code, the contract is considered signed.

The discount of 0.5 percentage points from the agreed rate is displayed automatically in the application. The money will be credited to the account in 10 minutes without a visit to the bank. Also, customers can receive credit funds in any convenient operating office of the bank, MTS communication salon or by ordering free delivery.

The MTS Money mobile application is the fifth channel for issuing inappropriate loans and refinancing them, in addition to contacting the offices of MTS Bank, MTS salons, Internet bank and delivery.

The offer is relevant for both existing and new clients of MTS Bank. To use the service, existing individual customers need to update the MTS Money mobile application on operating systems iOS or. Android The MTS Money mobile application is available in and. App Store Google Play

2018: Electronic wallets insured against hackers for the first time in Russia

MTS was the first in Russia to insure the electronic wallets of its clients against hacker attacks.

'The protection of electronic payment tools is becoming more urgent. Digitalization penetrates all spheres of human life and fraud shifts from the physical world to the virtual one. The threat of cyber risks is increasing, therefore, I am sure we managed to offer a timely solution demanded by the market, "said Igor Fatyanov, CEO of Zetta Insurance

Insurance provides compensation for the theft of funds by hackers up to 10 thousand rubles. Such insurance works only in Russia in the MTS Wallet service. Insurance does not apply to other services, but other players in the market can also use the practice.

2017: MTS Money Wallet Service Development Plans

The service "MTS Money Wallet" combines payment instruments - MTS electronic wallet account, personal subscriber account, bank cards - in one place to access the MTS financial services spectrum .

MTS clients were able to make payments and transfers from an electronic wallet from a smartphone or MTS website, for this it is not required to open a bank account or issue a bank card. To use a comfortable payment tool, you need to install the MTS Money application on your gadget or go to the http://dengi.mts.ru. You can replenish the MTS electronic wallet from the cards of any Russian banks and then use it as the main source of payment for payment of goods and services, as well as money transfers. The issuer of electronic funds is MTS Bank.

The service is available not only to subscribers - individuals, but also to users of corporate tariffs, whose numbers are issued for legal entities. Now this category of subscribers will not face restrictions when paying by mobile phone number - for example, you can pay for communication, Internet, transport, housing and communal services from the MTS e-wallet by separating funds on it from funds on your personal phone account or bank card.

MTS subscribers will have the opportunity to participate in the MTS Bonus loyalty program - using the service, they will be able to accumulate bonus points and pay for MTS communication services, as well as goods and services of other MTS partner companies.

MTS will expand the functionality of the service on a monthly basis, including focusing on customer feedback and wishes. Users can send their suggestions and comments to an email address feedback.dengi@mts.ru

Service development

During 2017, the service, among other things, will receive the following development:

• The functionality of the service, with the exception of payments from a personal account, will become available to subscribers of any cellular operators;
• It will be possible to make payments in stores and transport from MTS personal account or electronic wallet both through the MTS Money application and using USSD/SMS commands (for users of push-button phones);
• The MTS Money payment button will be added to online stores and terminals of service partners for quick payment from a bank card, personal account or MTS electronic wallet tied to the service;
• Existing users and providers of the mobile commerce service "Easy Payment" and "Auto Payment" will be transferred to the service "MTS Money";
• The MTS Money service will be merged with the MTS Bank mobile banking service and the expansion of the range of banking services provided from mobile devices. After authorization in the service, MTS Bank clients will be able to see the list and balance of their bank cards, make transfers between cards and issue bank products.

By the end of 2017, the MTS Money payment button will be added to the terminals of MTS partners - at the cash desks of cafes, shops, taxis, online stores - for quick payment from a bank card, MTS personal phone account or MTS Money wallet account tied to the service.

The service will implement the functionality of transfers by mobile phone number to non-registered users, payment in online stores, instant messengers and other applications, the ability to link a wallet account to Apple Pay, Android Pay and Samsung Pay services, issuing a virtual bank card, the ability to issue loans, deposits and cards, buy mutual funds, insure funds, as well as analyze your expenses.

For the first time in Russia, users of push-button phones will be able to control their electronic means remotely - by launching control using USSD commands. Currently, 44 percent of subscribers in the MTS network use push-button phones, the launch of the USSD menu will significantly expand the audience of the service.

By identifying users, MTS can offer customers to make payments with high limits on one-time transactions up to 60 thousand rubles. and up to 200 thousand rubles. per day, which is comparable to the limits on traditional bank cards.

MTS will also combine the MTS Money service with the MTS Bank mobile banking service. After authorization in the service, MTS Bank clients will be able to see the list and balance of their bank cards, make transfers between cards and issue bank products.

At the beginning of 2017, 35 million people use all MTS financial services, while six of them are regular users of mobile commerce. At the end of 2016, their number increased by 25%.

2016: MTS Money

and MTS-Bank the company MTS announced in August 2016 the launch of the MTS Money mobile application, with the help of which MTS subscribers will be able to instantly download NFCsmartphones virtual bank cards, travel tickets and discount coupons for contactless payment of goods and services, travel in Moscow transport and receive discounts in stores.

After installing the MTS Money application Google Play , a MTS subscriber can download Mastercard the MTS Money bank card issued by MTS Bank from the MTS subscriber. To do this, you do not need to contact the MTS or MTS Bank communication salon - just indicate the name, surname, phone number and e-mail in the application. After replenishing it, the card will immediately be available for one-touch purchases at any point of sale around the world, equipped with cash terminals with contactless readers. Over time, application users will be able to issue cards and other Russian banks through the application.

The application allows you to download the Troika transport card with the Electronic Wallet and 90 Minutes tariff for contactless payment for travel in public transport of the capital: buses, trams, trolleybuses, as well as the Moscow Metro and Aeroexpress trains. To do this, the MTS subscriber will need to replace the SIM card with an NFC SIM card in any MTS salon in Moscow and the Moscow region. With the help of the MTS Money application, you can also upload discount coupons and loyalty cards to your smartphone.

"Issuing a bank card in the MTS Money application for smartphones is not just a successfully implemented technological task, it is our response to the requirements for the modern level of banking service. Now the smartphone is becoming a single contactless payment point for our customers in stores, cafes and public transport. We offer a way to pay for goods and services - where smartphone owners used a classic plastic card before, now it is enough to attach a smartphone to the cash terminal, "− said Eduard Issopov, Deputy Chairman of the Management Board of MTS Bank.

CardsMobile acted as a technical partner of MTS in the development of the MTS Money application. For issuing cards, the application uses the CardsMobile platform, which provides remote release of bank cards to smartphones of users, as well as remote loading of travel tickets into SIM cards, for example, Troika cards.

It also became known that by the end of 2016 MTS plans to launch a microcredit program for its clients, and at rates below the market average. Those wishing to use this service will be able to borrow up to 15 thousand rubles. for up to several months. Loans will be credited to a virtual bank card in a smartphone that should be managed operating system Android and support contactless payments NFC technology. According to Solodovnikov, 20% of devices registered in the MTS network (about 8 million) currently support this technology. By the end of 2016, their number should increase to 23%, and in another year it will be 36%.