At the end of January, the bank celebrated its 25th anniversary. But soon it may cease to exist. The bank's ratings are negative. What is going on in it?

On January 29, MTS Bank celebrated 25 years since its foundation. In terms of assets, it is in the TOP-50 Russian banks. However, it may collapse in the near future. This was reported by the correspondent. And there is evidence for this.

And most importantly, the protection of household deposits is rated very low - C4 is 304%, with an acceptable level of no more than 150%. Will the bank be able to protect its depositors during the outflow of funds? And leave them alone with their problems?

Why is the bank in trouble?

Here is the conclusion from the described situation with the bank card, when the client was driven around several branches, so that: “I ended up approaching MTS Bank with humor - this is not a bank, a parody. I just want to say: “You gave people a connection, so go on, don’t meddle in your own business!”. How else to approach? In one place, IT people were tinkering, in another the cash desk was closed, in the third, employees asked each other what to do. Without humor, you can be rude for such an attitude.

Another comment concerns the style of the bank. A person who is not his client suddenly began to receive calls from morning to night, because supposedly his phone number was listed in loan agreement. Bottom line: “The last straw was a conversation with a tactless, completely ill-mannered boorish woman .... Who brazenly told me that not only me but my whole family would have problems, and of a very unpleasant nature, after which I myself would run to them and beg them ... ".

Employees of MTS Bank are frankly rude. And it is even impossible for them to find out the surname and name of the employee in order to write a complaint.

Bank employee silent like a fish?

Even in a seemingly simple situation, problems arise in MTS Bank: “I took a loan from MTS Bank to buy a smartphone. Sorry is not the right word. I will say right away that in the MTS salon my credit was inflated many times over by numerous insurances. As a result, the amount of the loan increased by a third.”

When the client missed the loan repayment period by 2 days, they began to call him with threats and demand a fine of 1,500 rubles, which did not at all correspond to the amount of the fine, which was no more than a couple of rubles. The client had an opinion that MTS Bank was working "for a fool".

With such a level of service, it is generally surprising that the bank is still afloat. In the sphere of rendering any services, including banking, it is impossible to behave in this way. And to rip off your MTS customers with high interest rates is generally unforgivable. They already bring money to Yevtushenkov.

The fish rots from the head?

It is possible that all the bank's problems lie in its leadership. The Chairman of the Board of MTS Bank is Ilya Filatov, who from 2005 to 2014 worked at Uralsib Bank. And, probably, had a direct bearing on its collapse.

Immediately after Filatov left in 2015, it turned out that Uralsib needed additional capitalization for 20-22 billion rubles. Maybe Filatov was simply kicked out of Uralsib? Soon the bank came under the reorganization of Vladimir Kogan.

The owner of Uralsib, Nikolai Tsvetkov, was a representative of a sect of money worshipers and even, according to rumors, became its priest. In Uralsib, Tsvetkov regularly conducted trainings for top managers, to which Ilya Filatov belonged.

Ilya Filatov will ruin MTS Bank?

Here are the perspectives Tsvetkov drew at his trainings: “You will go with me, and this is the path of light, or you choose the path of torment. You will have to leave us, because you will have health problems, or your relatives will get sick, and you will have to take care of them ... ". It is very reminiscent of the threats of MTS Bank employees.

Ilya Filatov took the post of chairman of the board of the bank in 2015. And at the end of last year, MTS Bank already had “negative” ratings. This speaks of effective work banker? All last year, Vladimir Yevtushenkov had no time for the bank because of the conflict with Rosneft. Filatov could take advantage of this?

Ilya Filatov is also a member of the board of directors of East-West United Bank S.A (Luxembourg), which is part of the MTS Bank banking group. It also includes MBRR-Capital LLC, MTSB Mortgage Agent CJSC, Vector A LLC, Collection Agency Two Capitals LLC and Project Solution LLC.

Interestingly, the founder of CJSC Mortgage Agent with an authorized fund of 10 thousand rubles. are strange organizations from the Netherlands.

And here the question arises - is the money of depositors and clients of MTS Bank already floating in the direction of the Netherlands and Luxembourg?

MTS Bank observes a strange regime of silence. The site banki.ru did not publish any news about the results of the bank's work last year. And this is no coincidence. The bank's annual report has not yet been published, and only an unaudited report for 9 months of last year has been published on the bank's website

Since you are interested in how to close the MTS Bank card, therefore, you have it and it is activated, and you probably have a couple more reasons to do it correctly and without consequences. The first reason why customers are trying to get rid of banking plastic can be considered already announced - as unnecessary. The second, most common reason is that the bank unilaterally made tariffs or service conditions unfavorable. How to correctly refuse an MTS Bank card?

Introductory information

Without going into the reasons for your desire, we will advise: do not read reviews about the bank and turn off emotions. Don't read reviews because happy customers don't write reviews and you won't find anything other than negative reviews. You should turn off emotions so as not to rashly throw away or cut the plastic. If your card is found, then it can be used by attackers, moreover, even cut. In addition, according to the banking agreement, any card is the property of the bank and is issued for temporary use. To correctly close a credit card, as well as a debit card, it must be returned to the bank.

That is, it is necessary to return the card to the bank, so that there it will be solemnly cut into pieces! But nothing can be done, the contract requires - the client does. By the way, in modern agreements for servicing cards, the “client has the right” section or something similar is completely absent, and information about your rights must be collected bit by bit. In the MTS Bank agreement (conditions and receipt of settlement and credit bank cards) the rights of the bank itself are mentioned much more often than the right of the cardholder. However, we, as customers of the bank, have the right to terminate the contract with him, and we will consider how to do this correctly in this article.

It will take at least a month and a half to completely “zero out” your relationship with the bank, with the most favorable outcome. Surprised? Yes, exactly 45 days in advance, according to the terms of the agreement, the client must notify MTS Bank of his intention to close the card. This period is set if the parties do not have disputes regarding card transactions. If there are any, then 45 days are counted from the date of resolution of these very controversial issues.

Before the first visit to the bank

To close credit cards, first of all, you need to collect information about the debt to the bank. Even if you did not use borrowed funds, but a credit limit was set on the card, you need to make sure that you did not use it. Your confidence in this matter is not enough! We still need to check the "opinion" of the bank on this matter. You need to find out the debt in all possible ways:

1. View the debt in the client-bank;
2. Order a mini-statement via SMS-banking;
3. Call the CTO (call center).

If there is no debt, then in order to close a debit card or credit card, you need to deal with the balance on the card account. In this case, one more possibility of obtaining information is added - the corresponding check from an ATM. If there is money, then they can be transferred to a card account in another bank, pay for any services or withdraw at the bank's cash desk during a visit to the MTS Bank office.

"Automatic" closing of MTS Bank cards

So, all information about the status of accounts has been received. Now we need to decide on the next steps. If there is no debt on a plastic card and the balance is zero, then you can simply block the card and wait until it is closed. Under the terms of agreements for servicing debit and credit cards, the bank can close the card if the following set of conditions is met simultaneously:

• there is no card debt;
• zero account balance;
• for more than 12 months there were no transactions on accounts linked to the card;
• card expired more than 45 days ago.

In this case, you do not even have to go to the bank, but simply block the card with any accessible way. If at least one of the above conditions is not met or will not be met in the foreseeable future, then visiting the bank is indispensable.

First visit to the bank

When visiting the office of MTS Bank, you must write an application for closing the card account to which the bank card is linked. In fact, the application is being written to terminate the card service agreement, but the result of such an operation as closing the MTS Bank card should be precisely the closure of accounts!

After your application is accepted, ask a bank employee to calculate all interest and commissions payable. Here, most likely, you will have to wait until the calculations and charges are made. You can pay the debt at the expense of funds on the card account or in cash through the cashier. If, after paying interest and commissions, the account still has a positive balance, then you need to request a withdrawal of the balance through the cashier.

During your visit to the bank, you will be asked to return the card. Give it to a bank employee, but ask them to cut it in your presence so that the chip and magnetic strip are not intact. After leaving the bank, you should block the card through the CTO. You should definitely take advantage of this opportunity, because you are personally responsible for any operations until the card is blocked.

Final stage

Since the card will be closed at MTS Bank no earlier than in 45 calendar days, its holder must be prepared for another meeting with their favorite bank. The reporting period for calculating interest on the card is a calendar month. Therefore, on the 1st day of the month that comes after you submit your application, you must visit the bank office again. This is done in order to make sure that no interest is charged. If the bank nevertheless accrued interest and can prove the legitimacy of such an operation, then they should be repaid immediately. Thus, your costs will be minimal.

Holders of debit and credit cards after 45 days will have to visit the bank again. By this time, the bankers will be 100% determined with all the commissions that must be paid to the bank. They must be paid directly at the office, but the story does not end there. Now you should request from the manager a written confirmation of the absence of debt with the seal and signature of the office where the operation takes place. At this stage, you may meet fierce resistance, but you must be persistent.

Update July 20, 2018: MTS continues closing tariffs. The new party will close until August 20, for more details -.

Update October 18, 2018: MTS continues to close tariffs " Super MTS", a new batch - from November 1 to November 14, 2018. More details -.

Mobile operator MTS quietly decided to close an extremely profitable tariff plan Super MTS", which allowed you to communicate for free without subscription fee. This, of course, is not about the new unprofitable Super MTS, which does not provide free minutes for calls to MTS numbers (now a similar package is included in paid service"Everything is super"), and about favorable archival tariffs of "Super MTS".

Mobile operators, although they sometimes do all sorts of bad things like changing tariff conditions, transferring to other archived tariffs without the consent of subscribers, usually notify their customers of changes through the site. Now, apparently, in order not to spoil its reputation at all due to the fact that the news could massively spread through the media, MTS decided not to publish information on its official website, but simply notified subscribers about the changes via SMS. It is also likely that now MTS is simply setting the stage for loud and not very pleasant news ...

So, why is the transfer of subscribers from archived versions of Super MTS a bad thing? The fact is that the conditions on these tariffs are extremely good for a very respectable number of people. There is no subscription fee on MTS archival tariff plans and a package of free minutes (20 units per day) is provided for calls to MTS numbers home region. It turns out that you can call the MTS numbers of acquaintances, friends, relatives and not spend anything at all! This is extremely beneficial for not very rich people of all ages and pensioners.

What does MTS do? To pay for the "Yarovaya package" you need additional income. Therefore, now many operators are changing the conditions tariff plans, options, etc. Not so long ago, MTS changed the conditions on the current My Unlimited tariff. In some regions, the changes were even positive, for example, in , but mostly extremely negative, for example, in .

Now, in many regions, MTS will transfer subscribers from the Super MTS tariff, which is extremely beneficial for them, to some other tariff ... In its preparatory news, MTS recommends tariffs with a subscription fee "My Unlimited" and "Our Smart", but more on that later .

MTS subscribers in many regions received the following message: "Dear Customer! From July 2, 2018, your tariff will cease to be valid. Now we are selecting a new suitable tariff for you, expect an SMS with a recommendation in the coming days! About why tariffs are closed: mts.ru/closetp310518 or call 057033 (free of charge)"

Link in SMS - with redirection. Here is the normal address: link (leads to a specific publication about the transfer from archived tariff plans for St. Petersburg and the Leningrad region). In this publication, MTS prepares subscribers for the fact that the transition from the archived tariff without a monthly fee to the current tariff with a monthly fee is good. You can familiarize yourself with the publication (the link is just above), and I will offer a version with my comments in brackets. Check out the post " What is important to know about closing tariffs (Technologicus version)" You can . This news does not concern all regions of Russia, but rather a solid part of them.

MTS notifies subscribers via SMS about the closure of their tariff plan, then sends messages with the following content:

We recommend that you switch to the "My Unlimited" tariff, with which you can customize the amount of Internet, minutes and SMS for yourself! You can learn more about the tariff and switch to it or any other one in the My MTS application mts.ru/app or using the command *111*58#. We remind you that your current rate will be closed from July 2, 2018.

What will the subscribers of the archival Super MTS be transferred to? For the new unprofitable "Super MTS", tariffs with a monthly fee "My Unlimited" or "Our Smart"? Or maybe all the same for tariffs without a monthly fee "Red Energy" or "Per second"?

It remains to be hoped that MTS will nevertheless publish official news closer to the point about the closure of the extremely favorable Super MTS archival tariffs ...

Closing of Super MTS tariffs in St. Petersburg

July 1 update: link for subscribers from St. Petersburg: mts.ru/closetp200618 (the link is available only to subscribers of the Leningrad region). Tariffs closed:

• Super MTS 2012
• Super MTS 2013
• Super MTS_2011

Video version of the news

The telecommunications operator MTS has been holding a leading position in the competitive segment for a long time, thanks to the release of modern tariff offers and additional options. The closure of MTS tariffs is carried out solely to maintain High Quality service and provide customers with the best conditions for everyday use. A well-thought-out notification system allows you to provide users with information about the closure or transfer of a particular solution in a timely manner.

IN this material we'll consider:

• the main reasons for changing the existing TP lines;
• current options that are in demand;
• the pros and cons of such a policy for clients;
• what happens when archival tariffs are eliminated.

The operator notifies its customers about possible changes in the TP lines through the news section of the official website or in mobile application"My MTS". This is relevant mainly in the case of transferring a certain tariff to the archive. News materials also contain information about current offers for everyday use. There are also options with complete removal a specific offer from the database, in this case, a forced transfer of the client to a new TP is applied, in accordance with the terms of the concluded service agreement.

Why are MTS tariff plans closed?

“Why are MTS tariffs closed?” - a popular question among existing subscribers, to which there are several answers:

1. high competition makes it necessary to rebrand and completely rework some of the existing proposals. This may apply to both certain regions and the entire service area of ​​the telecommunications operator;
2. a large number of active tariffs create a certain difficulty for customers, complicating the choice for everyday use. Also, this factor negatively affects the operation of the technical equipment of the operator.

Closing archived MTS tariffs

Closing archived tariff plans is accompanied by their complete removal from the operator's database, and, accordingly, the impossibility of further operation. This makes it necessary to force a transition to the new variant for everyday use. The client is notified in advance by phone or in the form of an SMS message, which makes it necessary to independently study the existing options with and without a subscription fee. For such subscribers, more favorable conditions are often offered. It is recommended to switch to a new TP in advance.

Bad or good?

They close tariffs for MTS, how does this affect ordinary customers? Without this process, the development of a telecommunications operator will be impossible, which makes the process natural for any provider mobile communications. The advantages of the transition for the client are as follows:

• improving the quality of service;
• reduction of the monthly payment;
• the possibility of using new additional options;
• participation in special offers and receiving a discount as compensation.

The negative side lies in the need to independently study the current situation in the operator's market and choose an option for further service.

What to switch to?

It is very important to study current offers and choose the appropriate option to use. Among the tariff plans with a monthly fee, the Smart line occupies an active position, capable of satisfying the needs of both economical and demanding customers. Super MTS can boast of the absence of a subscription fee, the cost of monthly maintenance of which will depend solely on your needs. A detailed list of specifications is located on the corresponding page of the official website with the ability to select a specific service region.

Should we expect the closure of other tariffs?

As mentioned earlier, the operator notifies its customers in advance of all possible changes in the current line of TP. So you can be aware in advance of the need to make the transition to new tariff for further service.