MTS Bank Online - an overview of the capabilities of your personal account

Subsidiary of the Russian operator MTS PJSC - MTS Bank offers its users a variety of banking services. Credit and salary cards, cash loans, interest-bearing deposits. The company serves both legal entities and individuals. Users can pay for various services, penalties, fines, non-cash and cash transfers, make any online purchases. For the convenience of using the bank, several services have been created. We will tell you in detail about one of them, located on the official website of MTS Bank - the Client's Personal Account.

Users of bank plastic cards and depositors can access their Personal Account in two main ways:

• Going to the official website of the service, located at: https://personalbank.ru.
• Or by installing the MTS Bank Online application on your mobile device.

Attention: access to the Personal Account of MTS Bank can only be obtained by those who purchased one of the bank's banking products and entered into a service agreement.

You can also go to the Personal Account of MTS Bank from the Personal Account of an MTS subscriber.

To get the opportunity to use web banking, you need a plastic card of MTS Bank, connection to the Web banking service and access to your Personal Account by login and password. How to connect web banking? MTS Bank Online is connected as an additional service from the bank. The service is connected free of charge and is not paid separately by the client.

Important! If you are already a holder of one of the options for MTS Bank plastic cards, but do not know if you have connected the mobile banking service, then you can contact the support service by calling the toll-free number 8-800-250-05-20 and ask the consultant.

The login and password will be sent to your mobile phone specified in the agreement for the provision of banking services immediately after the manager connects you to the web banking option. If you do the registration yourself through a bank terminal, then the login and password will be indicated on the receipt issued by the terminal.

Attention! You can activate the Mobile Bank service and register only at the Bank's office, with its representative in the MTS stores or through the bank's terminal. You cannot make a remote Internet connection to the service.

To use all the functions of web banking, you must open the official website of the bank and enter your Personal Account using the following browsers:

• Microsoft Internet Explorer 5.5 and later.
• Mozilla Firefox 2.0 and later.
• Opera 9.0 and later.
• Safari 2.0 and later. and higher,
• Google Chrome 2.0 and later.

And it is also permissible to use browsers based on their bases (engines).

Application for mobile devices

For the convenience of its customers, the bank has developed a mobile application that is installed free of charge. You can install it on almost any device and get access to banking transactions at any time and from any place where there is an Internet connection. The user can download MTS Bank Online at the following addresses:

• https://play.google.com/store/apps/details?id=ru.simpls.mbrd.ui - on Google Play for Android devices running this operating system.
• https://www.microsoft.com/ru-ru/store/p/MTS-Bank/9nblggh09dss?rtc=1 - on the Microsoft Store (Russia) for those who use gadgets running Windows Phone.
• https://itunes.apple.com/ru/app/mts-bank/id497905150?mt=8&ign-mpt=uo%3D4 - from the App Store for iPhone users (IPhone, iPad and iPod Touch).
• At the addresses: https://mb.mtsbank.ru/mtsbank.jad and https://mb.mtsbank.ru/mtsbank.jar - for devices and phones with Java support.

How do I install the application on my gadget? On Android, Windows and Apple devices, the application will be installed automatically after downloading it from the selected resource. On devices with Java support, the application will have to be installed manually after downloading the installation file.

How do I log into the online bank?

You can enter your Personal Account on the login page on the official website at: https://personalbank.ru.

On the login page in the upper right corner, select the login option from the drop-down list - for physical. persons or legal entities persons. In order to register, enter the received login and password or log in by your phone number using the received password. After that, you will be able to enter the main page of corporate Internet banking and you can start remotely managing your funds and carrying out financial transactions.

Attention! The "Mobile Bank" service from MTS is not provided to those who have a deposit or a current account in the bank. Only holders of plastic cards from MTS Bank can use the capabilities of remote management of their finances!

For security reasons, the first thing it is recommended to do when starting to use web banking is to change your username and password. To do this, you need to go to the top panel of the user menu in the "Settings" item, then to the sections "Change password" and "Change Login".

Important! Changing the password is necessary when you first visit your Personal Account - the password given to you in the terminal or by a bank employee is valid for only 48 hours! In case of expiration, the user will have to receive a new temporary password!

How to enter and start using the mobile bank using the mobile application? When using the mobile application, you will have to enter the login and password once, then, if you wish, come up with a four-digit PIN code (access code) and then log into the application using it. Before entering with a short four-digit access code, you will receive an SMS message on your phone with an additional secret password of 6 digits, which you will need to enter in the proposed field.

The main page of the mobile application looks a little different from its web version, but it is also intuitive.

You can change your login and password in the "Settings" item, and all information on cards and accounts, as well as operations with them, are opened when you go to the top item of the "Mobile Bank" menu.

Capabilities

The use by clients of the Personal Account greatly simplifies the work with their money, cards and accounts for both private clients and business. Let's consider the main features available to the user when using a remote Internet banking service.

Contacting the bank

Right from the chapter of the Internet banking service page, a bank client can send an appeal to the bank, if necessary, attach an attachment to it with a volume of no more than 1 MB. The function is convenient and allows you to remotely resolve many issues without visiting the bank branches personally. It will also appeal to those who do not like to call contact numbers too much and are used to communicating through correspondence.

On the same page, on the next tab, you can see all the notifications from the bank to the user, including by applying sorting by date.

Opening deposits

Using remote access to your funds via Internet banking from MTS, it is not difficult for a few simple steps to select a type of new deposit, open it and make the funds not just be dead on the accounts, but bring additional income. When considering deposit options, a deposit calculator is used, which will immediately be able to answer what income you will receive on your savings. Thus, you can easily find a deposit option that is interesting for you, both in terms of duration and profitability.

Credit calculator

How to check how much money can be requested from the bank in cash? For those who wish to take out a cash loan (for holders of salary cards and MTS subscribers), a credit calculator is available on the site, which will help to calculate and pre-navigate the size of the loan application, payment terms and the amount of overpayment on the amount claimed for the loan.

The loan calculator is located in the "Loans" section in the main menu of the Personal Account.

After going to the credit section of the site, you can familiarize yourself with the types of loans offered, maturities, conditions for obtaining and interest rates. On the page that opens, you will find a calculating calculator.

Important! All calculations made using the loan calculator on the site are preliminary. The bank determines the specific amount of lending individually after considering a specific application.

For small businesses, the bank offers a list of loans and borrowings. To get acquainted, you need to go to the appropriate section on the page "Small business". These are investment and revolving loans, overdraft and bank guarantee.

In a special section on the same page, you can familiarize yourself with the offered banking products and corporate clients. This is the purchase of bonds in rubles and foreign currency, the purchase of bills, brokerage services.

Payment for services and transfers

Working through the Personal Account with your own and credit funds located in the client's MTS bank implies the ability to make a variety of money transfers, repay loans, pay for purchases and payments.

In the "Pay" section, the user has access to a significant list of goods and services. These are cellular and landline communications, payment for transport cards, some types of insurance, transfers to e-wallets, television, utility bills, a list of Internet providers' services, and more.

Internal and external bank transfers can be made by clicking on the "Transfer" tab. On the page that opens, the user will be offered a list of options for bank transfers - within MTS Bank and to accounts and cards of third-party financial institutions.

Any of the received plastic cards of MTS Bank can also be used when making electronic purchases on the websites of sellers of goods and services when working with a Personal Account on the website or in a mobile application.

Important! When making electronic payments on third-party sites, MTS Bank uses a payment protection system - an additional security code on the back of a plastic card, as well as SMS confirmation of operations. This data is intended solely for personal use and its communication to a third party is unsafe!

Before making payments and transfers, you should carefully read the tariff rates assigned by the bank for specific operations. Detailed descriptions of all tariffs and rates can be found by going from the same page by clicking on the "Tariffs" section or by going directly to the address: http://www.mtsbank.ru/personal/tariffs/. The site will offer to download documents for review in .pdf format.

Account and card management

When using the Internet Bank, you can easily manage all your accounts and cards. Receive information at the current moment on the state - funds on accounts and debts. The bank's client will be able to manage cards and accounts in special sections of the Personal Cabinet “Cards” and “Accounts” - for the sections, separate items have been placed in the main upper menu.

bills cards

In the "Accounts" section, financial transactions from the displayed accounts are immediately available.

Attention! Plastic cards are linked to the account and all funds are fully displayed in the "Accounts" section. In the "Cards" section, you can see and access the amounts located only on specific open cards - both credit and debit - basic and additional.

To perform operations on the card or view detailed information on it, click on its display in the general list. When you go, you will immediately find yourself in the menu of a specific card.

Working in a mobile application

How to manage cards and accounts, make payments and transfers, make purchases from a mobile application? Managing and working with accounts and cards from the MTS Bank mobile application differs from ordinary web banking only in the form of the menu and a small additional functionality. All the same types of financial transactions are available to the client working from the application.

The main menu of the mobile application is called in the upper left corner by clicking on three strips and consists of the following main sections.

Main horizontal menu:

• My Finance
• Translations
• Payments

The section "My Finance" displays all your cards, accounts, loans and deposits. By clicking on a specific item, you can see all the details.

The “Transfers” section is responsible for non-cash transactions from cards and accounts for any transfers of funds within the bank and to external financial organizations (to cards and accounts). New translations and work with already created templates.

The Payments section allows you to carry out any payment transactions from your cards and accounts opened with MTS Bank.

Vertical menu:

• My Templates
• Settings
• news
• Addresses of offices and ATMs on the map
• Currency rates
• Ways of payment
• Communication with the bank

Password and Login, as well as in the browser version of the Personal Account, are located in the "Settings" menu item. There you can customize the look and theme of the application, manage the display of accounts and deposits, and undergo training on how to work with the MTS Bank mobile application.

Using templates, you can significantly speed up standard operations - replenishment of the balance of a mobile phone, regular payments for housing and communal services, payment for Internet providers, payment of loans and similar operations.

Differences in the functionality of the web version and the mobile application

When working with the functionality of the Personal Account, the main services and operations are the same in the web version and in the mobile application. Still, there are some differences for the user. Consider them in the table below.

As we can see from the table, the mobile application gives us a few more options for using web banking. Although these additions are not very essential, they still make working with their funds easier and more enjoyable.

Access recovery

How to restore access to the mobile bank if you have forgotten your Login or password from entering your Personal Account? To restore the Login or password for entering the mobile bank, you need to contact the operator by phone 8 800 250-0-520 or make a call directly from the application by clicking on the button with a hint.

Attention! If you entered the password or Login incorrectly 5 times, access to the mobile application and the browser version of the Personal Account will be blocked.

The bank employee will send you an informational SMS message in response to your request, which will contain a new login and password. You can also do this in the terminal of MTS Bank or from a bank consultant during a personal visit to a branch or representative office. When you call the operator, be prepared to give your passport details and the details of the plastic card issued by the bank.

Important! If access to the Personal Account is blocked in the MTS Bank mobile application in case of 5 incorrect attempts, new 5 attempts can be obtained by uninstalling and re-installing the application on the user's phone. This option can be used if there are difficulties with dialing to the Bank's support service, and you need to use the application urgently.

Leaving your personal account and closing the card

In order to safely use remote access to your finances, you need to follow simple precautions:

• Do not share passwords, temporary access codes and confirmations from SMS notifications to anyone.
• Do not tell anyone the secret code of the CVV2 / CVC2 card on the back side.
• Always force logout after finishing work in web banking.

Attention! When working with Internet banking and its web version, make sure that there is a "Lock" icon in the upper or lower right corner of the monitor - this icon denotes an encrypted and secure connection with bank servers. Be vigilant: there are sites that look like outwardly almost complete copies of banking sites that are created to steal your personal data (logins, passwords, card numbers, etc.).

Output

After the end of the working session on using the capabilities of the Personal Account, you need to leave it for security reasons.

In the mobile application, the exit is done by simply closing the application.

In the browser version of the account on the MTS.ru bank website, exit is done by clicking the corresponding button in the upper right corner of the menu.

Closing and blocking the card

If you stop using one of the cards, you can block the card directly in your Personal Account. Having opened the card you need, you will see a red button “Block” under the card data.

When blocking the card, you will need to select the reason for blocking from the proposed in the drop-down list on the next page. Remember that in some cases, you can only unblock or reissue a card if it is lost for a fee.

Important! It is possible to completely close the card, both debit and credit, only by contacting the bank or its representative in person. Accounts are not closed by card blocking.