Emergency Balance

The Emergency Balance Service allows Teletalk subscribers to get loans and use mobile operator’s services with zero or low balance. The service is available through SMS and USSD.

The Emergency Balance service uses the scoring feature to decide whether to give a loan to the subscriber who requests it or not. The subscriber may request the maximum loan available or request a specific loan amount by sending a corresponding command. Subscribers are charged a service fee for using the Emergency Balance service.

 

Loan Amount and Service Fees
SMS/USSD Request Loan Amount, BDT Service Fee
Dial *1122# Or SMS “Loan” and send to 1122 The service uses the scoring to calculate the loan amount available to the subscriber Free
Dial *1122*10# Or SMS “loan 10” and send to 1122 10 0
Dial *1122*12# Or SMS “loan 12” and send to 1122 12 1.53 (1.2 BDT service fee + 0.33 BDT SC, SD & VAT)
Dial *1122*20# Or SMS “loan 20” and send to 1122 20 2.55 (2 BDT service fee + 0.55 BDT SC, SD & VAT)
Dial *1122*30# Or SMS “loan 30” 1and send to1122 30 3.83 (3 BDT service fee + 0.83 BDT SC, SD & VAT)
Dial *1122*50# Or SMS “loan 50” and send to 1122 50 6.38 (5 BDT service fee + 1.38 BDT SC, SD & VAT)
Dial *1122*0# Or SMS “Loan info” and send to 1122 Check for the subscriber’s current debt Free

* SMS Charge for requesting loan to 1122 short code is free.

Eligibility Criteria
Loan Bands (BDT) Min Days (days) Service fees (excluding VAT+SD+SC) BDT Average recharge/ Month(BDT) Recovery Attempts
10 180 0 160 240 On recharge
12 180 1.2 160 240 On recharge
20 180 2 160 240 On recharge
30 180 3 240 340 On recharge
50 180 5 400 400+ On recharge