Orange, Vodafone and Cosmote mobile credit transferIn Romania the prepaid customers of Orange, Vodafone and Cosmote can send mobile credits within the each network. The Transfer of money between two numbers allows people who share their mobile credits with each other. This could be the case when somebody is recharging their phone and distributes the mobile credit within his family. The network operators still strictly regulate the transfer of mobile credits in Romania. They impose limits on how much and how many times you can send mobile credits to other prepaid phones. Nevertheless this useful feature is free of any charge for the customer. Mobile money transfer also plays a vital role in remittance. People who live and work abroad can send their family and friends mobile credit, for instance via Fonmoney. The people who receive the top up can then distribute it again to their friends. This saves the sender extra charges for the top up. For instance could a Romanian diaspora who lives in Italy top up his wives phone, who still lives in Romania, and she could distribute the mobile credits within the family, for free and the husband would only have to top up one number instead of many.
Mobile credit transfer – Orange RomaniaYou can send mobile credits from one Orange prepaid card to another Orange prepaid card by dialling the code (free of charge) *100#. Here you will enter a display menu where you have to follow the instruction. You can send between 1 and 3 Euros worth of credits. Once the mobile credit transfer has been successful, the sender and the receiver will receive a short text message, stating the amount that has been received, or rather deducted. Orange Romania limits the amounts of transactions to other prepaid cards to 3 times each month. The validity of the receiver’s prepaid card will extend for 5 days and is also restricted from making any further recharges for 30 days. The use of this service is free of charge and the transfer of the mobile credit is free as well.
Mobile Credit Transfer – Vodafone RomaniaVodafone Romania has various ways of transferring mobile money between two prepaid phones. You can log on to your Vodafone account you should find under menu point Services – transfer credits Alternatively, you can dial *100#. Here a menu will show up where you have to select 1. My Account, 2. Credit in advance and SOS Services and 3. Transfer Credit Another alternative is to call *222 and select the option 1. Your Credit and Services 2. Out of Credit? and 3. Offer/Ask for Mobile Credit. Vodafone Romania allows transfer mobile money in values of 1 Euros, 2 Euros and 3 Euros. The receiver of the mobile credit will receive a short message with the details about the mobile money transfer.
Mobile Credit Transfer – Cosmote RomaniaYou can transfer mobile credit within the Comsote network with this easy to use code: *444* amount*number# One example could look like this: *444*3*0760001000#. Once the code has gone through, you will receive a text message from Cosmote with the transaction details. If all the details are correct you will have to dial *444*1# to confirm the credit transfer. Remember: you can only send values of 1, 2 or 3 Euros. The receivers activity period will extend for 7 days when one euro is received, for 13 days when two euros are received and for 21 days when three euros are received.
Romania is one of the top receiving countries of remittance. In a study carried out in 2006 by the ifad, the total inflow of officially registered and classified remittance to Romania constituted of 3.9 percent of the total GDP of Romania. Since then the remittance has risen and reached its high in 2008 with 9.38 Billion US Dollars. It is estimated that over 50 percent of remittance flows to the rural areas of Romania. This is especially relevant since estimates show that only 23 percent of the population in Romania is using financial services, meaning that 77% don’t use any financial services, which is traditionally most common in rural areas. The costs of sending money to Romania can be relatively low when carried out between two banks, but if you don’t have a bank account this is insignificant. Furthermore, a bank transfer takes traditionally between 5-7 working days. It can be assumed that therefore most official remittance takes place through Money Transfer Organisations (MTO) such as Western Union, MoneyGram or Moneybookers, but it can also be assumed that a large amount of remittance is unaccounted for and is remitted through unofficial channels. The MTO’s tend to have better networks than banks and are much faster (claims of under-one-hour delivery). The downside of these companies is that they are very expensive when you want to send small amounts, of less than 100 euros. The fees are as high 21 percent (World Bank, 2013), which is very high.
A shift to mobile credit transfers in RomaniaIncreasingly Romanians working abroad are using mobile credit as a source of remittance. They buy mobile credit for Cosmote, Vodafone Romania and recharge Orange Romania prepaid phones online. By sending money through this channel, the credit is delivered instantly and received on the mobile device. The costs are much lower for small amounts ranging from 7 to 25 percent (On Fonmoney between 7 and 10 percent), depending on the amount of mobile credits purchased. Mobile credits becomes particularly interesting for people who are unbanked, are on-the-go or lack the availability to collect cash from a partner of one of the MTO’s. Since the mobile saturation in Romania lays around 114 percent (New Media Trend Watch, 2013), it is safe to say that mobile credit has the potential to reach the whole population of Romania.
Remittance vs. Mobile Credit – the pattern reoccursWhen analysing the remittance sent to Romania (World Bank, 2011) with the amounts of mobile credits sent to Romania, it becomes clear that the remittance-flow and the top up flow show a lot of similarities. The highest remittance flow and the highest mobile credit flow into Romania stems from Italy with 29.33% and 37.15% respectively. Other countries such as Spain, Germany, the United Kingdom and France are also well represented in both flows into Romania.
What needs to happen in the future of remittance?Romania benefits from all levels and varieties of remittance that enters the country: money is being saved and invested, consumption is increasing and general wealth is increasing. The trend needs to shift towards cheaper remittance and a wider array of possibilities. The needs of the sender and receiver are not fully met and need to be fulfilled to increase and facilitate remittance. The World Bank estimates, that when prices for remittance fall by 5 percent up to 16 million USD could be freed up to be send back home. It can be assumed that mobile credit is working as a supplement of classical remittance. A study conducted by Berg Insights predicts that the mobile money transfer market constituted of 350 million USD in 2011 and is growing at a rapid pace. For remittance levels to increase further through official channels, such as MTO’s and mobile credit organisations, Romania needs to further facilitate these flows and impose less laws that constrain the private sector to find further solutions to send and receive remittance. This would free up more and increase the flows of remittance that would enter Romania.
The transfer of mobile credits within Poland is only possible within the mobile network of Plus. The exchange of mobile credits between other networks to share and distribute your mobile money to friends and family is traditionally not possible but in some cases within one mobile network, even though sending mobile money between friends and family could be a great way to support friends and family. Sending money is already well established in various countries, a prime example are the Philippines, it has not fully been established in Poland, with the exemption being Plus. SimPlus is the second largest mobile network in Poland and also one that is appealing to the younger generations with innovative products. Plus offers the transfer of mobile credit between prepaid phones for a couple of years now. The service of mobile money transfer by Plus is called “Teleprzelew”“ and is operated through SMS codes. To transfer your top up to another Plus prepaid phone, you have to send a text message to 5511 containing the text “P [Amount] [Plus Number]”, for example “P 15 600 666 666”. Once the message has been send, you will receive a SMS by Plus with the details of the transfer request, including the Plus number that will receive the top up and the amount of mobile money you want to send. If the details are correct, send a SMS within 15 minutes to 5511 with the word ‘TAK” (yes). Plus will charge you a fee of 5 gr including VAT for the transfer of mobile credit. You can only send and receive 20 PLN within a period 30 days. Receiving top up from another prepaid number will not extend the validity of the Plus Sim-card.
Fonmoney is excited to announce that three new countries have been added. You can now top up prepaid numbers in Senegal, Morocco and Tunisia.
Recharge Tigo or Orange in Senegal with 4920 XOF (8,00 EUR), 9840 XOF (16,00 EUR) or 19680 XOF (32,00 EUR)
Recharge INWI, Maroc Telecom, Méditel and Bayn in Morocco with 50 MAD (5.50 EUR), 100 MAD (11.00 EUR), 150 MAD (15.00 EUR) or 200 MAD (22.00 EUR)
Recharge airtime Orange, Tunisie Telecom and Tunisiana in Tunisia with 15 TND (8.00 EUR), 30 TND (18.00 EUR), 40 TND (25.00 EUR) or 60 TND (37.00 EUR)
Mabzicle is a great blog that provides you with frequent updates about everyday life. Owned by the witty and multi talented information technology student and blogger Richard, Mabzicle not only informs its readers with the latest news and technology advancements but also gives you reviews, tweaks, How-To’s, tips and tutorials. Started in 2009 the blog has done wonderful and has kept its readers intrigued and wanting more. In one of its recent post Mabzicle gives you information about e-loading of Filipino mobiles phones through the Internet. The article particularly expresses the easiness that online loading provides and how it fulfills the needs of hundreds of people seeking services like these. Richard also maintains a Facebook page for his Blog and gives the hundreds of people a sneak peak to his blog posts and the possibility to discuss the articles.
Poland is a large country with 4 major mobile network operators. consisting of T-Mobile, Orange, Plus and Play. Poland has a subscriber penetration rate of 141 percent with a total of 54.3 million subscribers.
T-Mobile Plans & Tariffs
T-Mobile, the largest mobile network provider in Poland has two brands under which they market their prepaid products. The most popular are Tak-Tak and Heyah.Heyah is a pure prepaid provider that offers various prepaid plans that have favorable tariffs for mobile web surfing, SMS packages and cheaper calls. The prepaid cards can be purchased at various locations, for example in supermarkets, shops and gas stations. Generally, Heyah offers two different starter packages, either a package for 5 PLN (1.2 EUR, 1 GBP) or a package for 20 PLN (4.1 GBP, 4.8 EUR). Calls are generally charged with 30 gr. SMS are free within the Heyah network and to other network provider within Poland are charged with 14gr. Mobile internet costs 2 gr for 100 kb but you can choose a data package with 600 MB for 15 PLN (3.6 EUR, 3 GBP) or a Heyah data package with 1,2 GB for 25 PLN (5 GBP, 6 EUR).Heyah can be topped up at the same locations, where you can buy the SIM-cards. Usually you can buy scratch cards with a code that you have to send. Alternatively, you can top up Heyah online on Fonmoney. Heyah can be recharged for 40 PLN (EUR 11), 50 PLN (EUR 14), 80 PLN (EUR 23) and 100 PLN (EUR 28).T-Mobile’s Tak-Tak has various starter packages, the Starter T-Mobile na Karte 20, which costs 20 PLN (4.1 GBP, 4.8 EUR), is valid for 1 month and comes with 20 PLN airtime. The second one is the Starter T-Mobile na Karte 9, which costs 9 PLN (2.1 EUR, 1.8 GBP), is valid for 14 days and comes with 8 PLN airtime.To maintain the validity of your Tak-Tak prepaid card, you must top up your prepaid number regularly. You can recharge your Tak-Tak number comfortably online via Fonmoney with 40 zl (11 EUR), 50 zl (14 EUR), 80 zl (23 EUR) and 100 zl (28 EUR). Alternatively, you can recharge via ATM’s, T-Mobile shops, supermarkets, gas stations and newsstand within Poland.
Orange Plans & Tariffs
Orange is the second larges mobile operator in Poland. Orange has 5 prepaid tariffs to offer: Orange Smart, Orange One, Nowe Orange Go and Orange Free na karte.Orange Smart is aimed at prepaid users that have a smartphone. Orange Smart users only pay 1gr per 100 KB and get bonus mobile data on every top up. When you recharge your Orange Smart tariff with Fonmoney with 40 zl (11 EUR) you should get 400 MB bonus data, with 50 zl (14 EUR) you should get 1 GB bonus data and with 100 zl (28 EUR) you should get 3 GB of bonus data. Calls within the Orange network and other networks cost 29 gr per minute, SMS cost 20 gr and mobile Internet costs 1 gr per 100 KB.Orange One is a standard tariff that provides bonus minutes, free SMS or free calling days (usually weekends) when you top up for 25 PLN or more. The tariffs are 29 gr per minute (63 gr per minute to Play), only 15 gr per SMS and 50 gr for 100 KB.The Nowe Orange Go prepaid tariff is very interesting, since the more you top up the lower your SMS and calling rates get. When you top up Nowe Orange Go via Fonmoney you will pay the following rates:
- Top up 40 zl (11 EUR) and the calling rate per minutes is 39 gr within the Orange network, 49 gr outside the Orange network, 10 gr per SMS within the Orange network, 18 gr outside the Orange network, 20 gr per MMS within the Orange network and 30 gr MMS outside the Orange network.
- When you top up 50 zl (14 EUR) the calling rates drop to 29 gr per minute inside and outside the Orange network. SMS drop to 5 gr within the Orange network and 18 gr outside the Orange network. The MMS costs drop to 10 gr within the Orange network and stay at 30 gr per MMS outside the Orange network.
- When you top up 100 zl (28 EUR) the costs per call drop to 20 gr per minute within the Orange network and remain at 29 gr per minute outside the Orange network. SMS cost only 1 gr inside the Orange network and remain at 18 gr outside the Orange network. MMS drop to 2 gr within the Orange network and stay at 30 gr per MMS.
Mobile Internet costs 25 gr per 50 KB across all top up stages.Orange Free na karte is aimed at mobile internet, especially for tablet and laptops (sticks). The Internet speed gets up to 42 Mb per second fast. You get great bonus data when you top up Orange Free na karte via Fonmoney. When you top up 50 zl (14 EUR) you already get 2.27 GB (valid for 3 month) on top and when you recharge 100 zl (28 EUR) you get 6 GB on top of your airtime. A call costs 29 gr to all networks, except Play, (75 gr), per SMS you are charged 20 gr, 40 gr per MMS and 1 gr per any additional 100 KB.
Plus Plans & Tariffs
Plus is the 3rd largest mobile network provider in Poland with a customer base of 13.84 million. Plus prepaid cards are available in 4 different tariffs that operate through the product name Plus na Karte “wiecej do Wszystkich”. The tariffs offer cheap SMS, call and mobile Internet rates.Wiecej do Wszystkich (More to all) concept is that the more you top up the cheaper the rates become. The normal rates are the following: 29 gr per minute to all networks, 19 gr per SMS, 29 gr per MMS and 29 gr per 100 KB data used.
- When you top up 40 zl (EUR 11) on Fonmoney the Plus rates drop to 25 gr per call per minute and 9 gr per SMS. Once the airtime is charged, activate the tariff by calling *136*11*07#.
- When you top up 50 zl or more (EUR 14), via Fonmoney, the Plus rates drop to 19 gr per call per minute and 6 gr per SMS. Once the airtime is recharged, activate the tariff by calling *136*11*08#.
- When you top up 100 zl (EUR 28). or more the, the Plus rate will drop to 9 gr per call per minute and to only 1 gr per SMS. Once the airtime is topped up, activate the tariff by dialing *136*11*09#.
Wiecej Internetu i SMS-ow (More Internet and SMS) is a tariff that gets you a package of 1000 SMS valid for 30 days when you recharge 40 zl (EUR 11) or more (activate under *136*11*02#) and 200 MB for 1 zl per day when you recharge 40 zl (EUR 11) or more (activate under *136*11*03#). The basic rates are 29 gr per call/minute, 9 gr per SMS, 29 gr per MMS and 5 gr for 100 KB.Wiecej w Plusie (Flatrate for SMS and calls) get you unlimited SMS and calls in the Plus network when you make a top up of 50 zl (EUR 14) or more. The tariff is valid for 30 days and is prolonged with each top up made within the 30 days. Activate it under *136*11*08#.
Play Plans & Tariffs
Play is the fourth largest mobile operator in Poland with a subscriber base of 8.70 million people. Play offers three different prepaid packages: Play na Karte, Play na Kartę Lubię to! and Play na Kartę Rok Ważności Konta.Play na Karte is very popular among young people who enjoy the benefit of getting free calls within the Plus network. Calls to other networks cost 0.29 zl per minute, SMS cost 9 gr and mobile Internet costs 12 gr for 100 KB. You can get unlimited SMS to all networks for only 10 zl, which is valid for 30 days or for 5 zl, which is only active for 7 days (activate under *111*266*1#). You can also activate mobile Internet packages for 5 zl, which will get you 250 MB and is valid for 7 days (activate by calling 111*274*1#)., or 10 zl, which is valid for 30 days and gets you 1 GB (activate by calling 111*275*1#).Play na Kartę Lubię to! is a great prepaid card aimed at user with smartphones. For each top up you get a mobile Internet package on top of your airtime. The basic rates are: 0,29 zł per call per minute, 0,09 zł per SMS and 0 zł for the first 100 Kb. When you top up your Play prepaid number via Fonmoney you will get the following bonus mobile Internet data:
- Top up 40 zł on Fonmoney and get 500 MB on this Play tariff.
- Top up 50 zł on Fonmoney and get 1 GB on this Play tariff.
- Top up 100 zł or more on Fonmoney and get 2 GB on this Play tariff.
Play na Kartę Rok Ważności Konta is especially interesting for people who need to have a Polish SIM card activated without topping up regular, e.g. tourists or infrequent user. This prepaid card is valid for 365 days after each top up. The basic rates for calls are 0,29 zl per call/minute, SMS cost 0,09 zl (to all networks) and per 100 Kb you pay 0,12 zl.
Do you want to send money to Poland? Click here!
‘My Simple Thoughts’ is a wonderful Filipino blog by Rogelio, aka RT. This blogger usually writes about technology, travel, sports health, education and other subjects relatedto the Philippines. Here you can find articles, reviews, comments and opinion on hot Filipino topics. One of their latest articles writes about how one can load various Filipino prepaid mobiles from anywhere around the world via Fonmoney. It also explains the benefits of online load for the Filipinos living and working abroad.
There are many very interesting Filipino Blogs around the world that write about technology. Uptech-It is one of such Blogs, that’s passionate about the new technology and especially in the field of Mobile Phones. Here one can find the latest information that keeps you well informed. One of their article explains, how you can send load to the Philippines over the Internet via Fonmoney.
The Philippines is one of the large countries in the Asia-Pacific with a population of 92 million citizens. An additional 12 million live overseas. The Filipinos living abroad count towards strong contributors to Philippines GDP, since they send large portion of their money earned abroad back home. Alone in 2011, it is estimated that 23,065 million dollars were remitted to the Philippines, according to the World Bank.
The Filipino (+63 country code) telecommunication market has a mobile phone penetration of over 103% vs. a fixed line penetration of 3,3%. The market is dominated by Smart Communications, with roughly 67 million subscribers, followed by Globe Telecom with over 30 million subscribers and Sun Cellular with around 10 million subscribers. Prepaid subscribers still overweigh postpaid subscribers by far but postpaid are catching up slowly.
You can load your prepaid mobile phones right here on Fonmoney. You can load Globe from abroad just as you can load Smart and Sun. Prepaid mobile phones can be loaded from anywhere in the world.
SIM-cards can be purchased everywhere in the Philippines, since the official retailers are selling them but also small corner shops and other resellers. Once you buy a SIM-card it is usually ready to use and comes with initial mobile load. Then you have to chance to take advantage of the numerous prepaid plans that Smart, Globe and Sun offer to its customers. The prepaid plans vary from great text and SMS deals to cheaper calling rates. The various plans are activated by sending a piece of code to the service number, which are as followed: Smart “211” and Globe “8888”. Sun requires the purchase of the specific SIM Card for each prepaid plan.
Globe, Smart and Sun have great offers and services for the Filipino people that allow them to send loads, get great SMS packages and decent data packages. The customer has to simply pick one of many from his preferred mobile network operator.
The list shows you how much load you need, to call, text and surf the web on a standard prepaid card. It also shows which mobile network has what to offer.
- Sun Cellular charges its customers between 5 PHP and 6.5 PHP for national calls. If you call abroad, you must 10 PHP from your Sun mobile load.
- Sun charges only 0.50 PHP within their own network and 1 PHP to the other networks.
- Give-a-Load is a service provided by Sun Cellular, that allows its customers to send a load from one Sun mobile phone to another Sun cellular phone.
- Globe charges 6.5 PHP for calls within the Globe network and 7.5 to Sun or Smart.
- Each SMS send is charged with 1 PHP to all Filipino networks.
- Globe has a service called Share-a-Load which allows Globe subscribers to share their load with other Globe subscribers. The service can be used via SMS.
- Smart Communications rates are 7.5 PHP to Smart users and 7.5 PHP to other users.
- A SMS costs 1 PHP per standard message.
- Smart has a service that allows user to ask friends for a bit of load, called Ask-a-Load. One subscriber asks another for some load via a free request text.
- Pasaload is Smarts service that allows its users to send load from one phone to another within the Smart Network.
In general prepaid plans in the Filipinos offer great value for a little load. Subscribers have to keep in mind that their SIM card is only valid for a certain time after the last load. The bigger the load the longer lasts the airtime. If you run out of mobile credit you can buy Smart load online on Fonmoney. Another thing to consider is that when you dip below a certain amount your Roaming will be deactivated. If you need more load, top up Globe or load Sun Cellular with Fonmoney.
Mobile Prefixes in the Philippines
Smart: 907, 908, 909, 910, 918, 919, 920, 921, 928, 929, 939, 946, 947, 999
Globe: 905, 906, 915, 916, 917, 926, 927, 935
Sun: 922, 923, 932, 933, 942, 943
Turkey is a large country with a population exceeding 73 million. This enormous country has 3 mobile service providers; Turkcell, Vodafone and Avea. They hold the mobile market share of 51.1%, 28.5% and 20.4% respectively. With a total of more than 66.1 million subscribers the mobile penetration in turkey is 88.5% and it is split up between 62.6% prepaid users and 37.4% postpaid users.Buying a SIM card in Turkey is easy but it cannot be used until it is registered, this requires registration with official prove of identification, for example a valid passport, this applies both to the local citizen as well as to foreigners. Due to the easiness of use and availability of various plans that one can choose from, prepaid or pay-as-you-go SIM cards are very popular in Turkey.It is very convenient to top-up a SIM card in Turkey, as recharge vouchers can be bought on every corner. Since there are only three large service providers, official shops and authorized distributors are found everywhere, which sell top-up for Turkcell, Vodafone and Avea.Top-up is done in units and is locally known as “Kontör”. This means that you don’t buy minutes but units and depending on which operator or line you call you pay certain units per minutes. One of the good things is that you get bonus units every time you top-up and the bigger the amount you top up, the more bonus “Kontör” you get, hence this makes calls cheaper as you top up more.The following list of top-up units for Turkcell, Vodafone and Avea are taken from their homepages and should give you an overview about how much it costs to make a call and what you get when you top-up.Turkcell
- TL 30 will get you 100 “Kontör”, which makes it 0.3 per unit.
- The normal cost of call is TL 0.40 Per min, when you recharge for TL 30 the cost for call is TL 0.50 per 5 minutes, when you refill for TL 50 the cost for call is TL 0.50 per 10 minutes.
- National SMS: TL 0.415, International SMS: TL 0.75, National MMS: TL 0.80, International MMS: TL 2.80
- Data: TL 0.50/100KB
- TL 24 will get you 250 “Kontör”, which makes it 0.096 per unit and also the cheapest among the three service providers.
- The normal cost for calling is TL 0.40 per min. If you refill with less than TL 20 you get the special rate on the day you refill. If you refill with more than TL 20 you get the special tariff for 30 days. If you do not refill again you switch back to the normal tariff.
- National SMS: TRY 0.41, International SMS: TRY 0.75, MMS: TRY 0.80
- Data: TL 0.001/KB
- For TL 20 you will get 100 “Kontör” of credit, which makes it 0.20 per unit.
- The normal cost for calling is TL 0.40/min. With the following tariffs you get cheaper rates whenever you refill. The special rate is valid for 30 days from the refill date. Billing unit for the standard rate is 60/60. For the special rates, HepsiBir, TL 20 refill: 120/120, HepsiBir, TL 30 refill: 180/180, MobilÖğrenci, TL 30 refill: 600/600 MobilÖğrenci, TL 50 refill: 1200/120.
- National SMS: TL 0.50,International SMS: TL 0.75, MMS: TL 0.99 - € 0.42
- Data: TL 0.0017/KB