Belcard bank card. Belkart – payment cards. Competitors in the Belarusian market

Adults are grown-up children who enjoy every playful moment in a measured life. That is why Belarusbank gives the opportunity to holders of BELKART card products to take part in the marketing game “Happy Seasons with BELKART”. Making a payment non-cash, you can claim cool prizes.

Description

There is no need to make any extra expenses. As usual, you should use the card when purchasing food and industrial goods for personal use.

To participate in the drawing:

Save the product or cash receipt for an amount of at least 30 Belarusian rubles.
Log in as a participant on the website igra.kartochki.by by entering in the form:
1. surname, first name, patronymic;
2. residence address;
3. phone number;
4. electronic mailbox;
5. the first and last four digits of the BELKARD card.
Register the check with:
1. number;
2. date of payment;
3. amount.

There are restrictions on the list of products. These include alcoholic beverages and beer, tobacco products, and medicines.

The drawing in 2018 takes place in several stages:

first stage from 1.04. to 1.06;
second stage from 1.06. to 1.09;
third stage from 1.09. to 1.11.

The rules of the game do not limit the number of checks for participation in the drawing. Original receipts must be retained until prizes are issued.

Participants

Adults can take part in the prize draw:

citizens of the Republic of Belarus;
foreigners and stateless persons with a residence permit in the country.

Prizes

Each season has its own prizes:

In the spring - inflatable mattresses, hoverboards, bicycles, bracelets, a vacation certificate.
In summer - laptop, tablets, e-readers, chargers, wireless headphones.
In the fall - cameras, action cameras, certificates for a professional photo shoot and vacation at a ski resort, gift cards.

All participants and winners of seasonal drawings can become owners of a super prize of 20,000 rubles.

March 1994 - a decision was made to begin work on the creation of the BelKart system.
December 30, 1994 - a certificate of registration of the BelKart trademark was received.
September 26, 1995 - the first operation was performed using a BelKart card with a microprocessor.
April 2001 - the beginning of interbank settlements based on multilateral clearing.
January 2002 - payment for services in self-service devices was introduced.
June 30, 2004 - CJSC "BelKart Payment System" was established.
February 2007 - Internet banking service was introduced.
On September 21, 2007, CJSC Payment System BelKart was merged with OJSC Bank Processing Center.
August 2008 - the beginning of the mass issue of BelKart-M cards.
October 2009 - the millionth BelKart-M card was issued.
July 2012 - 4,630,000 cards of the BelCard payment system are in circulation on the territory of the Republic of Belarus. The BelCard card service network includes at least 3,107 ATMs, 3,126 information kiosks and 7,175 terminals. At least 30,921 trade and service organizations accept BelCard cards. The payment system covers more than 90% of the country’s acquiring infrastructure. As of July 1, 2012, the share of banks in the volume of BelKart-M card issuance was as follows: Belarusbank - 63.5%; Belagroprombank - 15.7%; BPS-Sberbank - 12.8%; Other banks - 8%.
November 2012 - over 52 thousand installed in at least 34 thousand organizations. payment terminals for non-cash payments using BelCard cards, there are 4143 information kiosks for cashless payment services and 3528 ATMs.
December 3, 2012 - CJSC Trustbank issued the first non-personalized card in the BelCard system. The first non-personalized BelCart card was issued
April 01, 2013 - restyling of the BELKART payment system was carried out. The name of the payment system was changed (instead of “BelKart” - BELKART), a new trademark was adopted (a symbolic image of a cornflower flower, with blue card petals). From 01/01/2014, the new logo will be applied to all cards of the payment system issued for circulation.
August 16, 2013 - signing of an agreement on the establishment of CJSC BELKART. The founders were OJSC Bank Processing Center, OJSC ASB Belarusbank", OJSC Belagroprombank and OJSC Belinvestbank.
October 1, 2013 - The Minsk City Executive Committee registered an independent legal entity, CJSC "BELKART Payment System".
On February 5, 2014, an agreement was signed between CJSC Payment System BELKART and the payment system MasterCard International to issue co-branded cards BELKART-Maestro.
In March 2014, the first co-branded BELKART-Maestro card with an EMV standard chip was issued. The product allowed the domestic payment system to reach the international level. The project was implemented through the joint work of BELKART Payment System CJSC, Bank Processing Center OJSC and ASB Belarusbank OJSC.
On April 16, 2014, CJSC “BELKART Payment System” became a member of the Association of Belarusian Banks.
On October 30, 2014, CJSC Payment System BELKART and NP National Payment Council (Russia) entered into a non-commercial cooperation agreement. As part of this agreement, ZAO Payment System BELKART and NP NPS intend to exchange information, analytical and other experience for the development of a unified infrastructure of payment systems, as well as the compatibility of national payment instruments.
On November 18, 2014, CJSC Payment System BELKART together with OJSC Belinvestbank with the support of ProfMarketSystem LLC launched the republican coalition loyalty program “Motsnaya Kartka”. By paying with such a card, its owner receives discounts and bonuses in stores, medical centers and gas stations in the territory of the Republic of Belarus.
On December 8, BTA Bank CJSC began issuing premium segment cards BELKART-PREMIUM.
On February 2, 2015, Technobank OJSC joined the BELKART “Motsnaya Kartka” loyalty program and began issuing BELKART-Premium “Motsnaya Kartka” cards.
On March 9, 2015, Paritetbank OJSC joined the BELKART “Motsnaya Kartka” loyalty program and began issuing BELKART-Premium “Motsnaya Kartka” cards.
On June 12, 2015, Idea Bank CJSC began issuing BELKART-PREMIUM-Maestro cards.
On June 15, 2015, Belagroprombank OJSC began issuing BELKART savings cards.
On June 18, 2015, Fransabank began issuing: BELKART-PREMIUM “Tainichok” savings cards and BELKART-STANDARD salary cards.
On June 30, 2015, Belagroprombank OJSC began issuing BELKART-CORPORATE cards.
On June 30, Bank Moscow-Minsk joined the BELKART Motsnaya Card loyalty program and also began issuing BELKART-PREMIUM-Maestro salary cards.
On July 1, 2015, the Belarusian People's Bank began issuing co-branded BELKART-Maestro cards.
On July 9, 2015, CJSC "Trustbank" joined the BELKART "Motsnaya Kartka" loyalty program and began issuing BELKART-Premium "Motsnaya Kartka" cards.
On September 1, 2015, Belgazprombank OJSC began issuing BELKARD - STANDARD cards.
On September 14, 2015, OJSC Belinvestbank began issuing co-branded student cards BELKART-Premium.
On October 26, 2015, Alfa-Bank CJSC joined the BELKART “Motsnaya Kartka” loyalty program and began issuing BELKART-Premium “Motsnaya Kartka” cards.
On October 29, 2015, BPS-Sberbank OJSC joined the BELKART “Motsnaya Kartka” loyalty program and began issuing BELKART-Premium “Motsnaya Kartka” cards.
On January 19, 2016, MTBank CJSC began accepting BELKART bank payment cards for servicing.
On March 25, 2016, Eurotorginvestbank OJSC became an associated participant in the BELKART payment system.
On April 20, 2016, Technobank OJSC began issuing TALAKA Ladnaya cards.
On May 12, 2016, Eurotorginvestbank OJSC was certified for the possibility of issuing and acquiring.
On May 31, 2016, OJSC “KhKBank” left the BELKART payment system.
On June 08, 2016, MTBank CJSC was certified to carry out the activities of issuing BELKART bank payment cards.
August 01, 2016 OJSC Belgazprombank provided the opportunity to make card-to-card transfers at the bank’s ATMs.
On August 5, 2016, Technobank OJSC began issuing BELKART-PREMIUM-Maestro cards as part of the Motsnaya Card loyalty program.
On November 1, 2016, Absolutbank CJSC passed departmental certification within the BELKART payment system.

Belkart is the national payment system of the Republic of Belarus. It was created back in 1994 under the leadership of the National Bank of the Republic of Belarus. The first bank to issue Belkart payment cards was Belpromstroybank, and the first monetary transaction using a national payment system card was made at the end of September 1995.

Further, the payment system developed, a system of ATMs and self-service points was created, and some time later, Belcard cardholders had the opportunity to pay for utilities and other types of services. By 2012, the number of banks participating in the Belkart payment system reached 17. In 2013, this figure increased to 21.

On this moment To pay for goods and services, the Belkart card is accepted only in online stores in the by domain zone.

Belkart cards

You can pay with Belkart payment system cards within Belarus without restrictions. There are no transaction fees. Cards of the Belkart payment system are issued and serviced by 22 banks of the Republic of Belarus: Belarusbank, Belinvestbank, Belagroprombank, BPS-Sberbank, Eurotorginvestbank, Belgazprombank, Priorbank, Paritetbank, Bank Reshenie, Bank BelVEB, MTBank, BNB-Bank, BSB Bank, Bank Moscow- Minsk, Fransabank, Technobank, Zepter Bank, BTA Bank, RRB-Bank, Alfa-Bank, Idea Bank, ABSOLUTBANK.

The only exception from this list is MTBank. Minsk Transit Bank only services cards of the Belkart payment system, but does not issue them.

Standard

Co-branding

Corporate

Prepaid

Credit

Student Card

Student

Belkart standard: Salary card with a standard set of functions

Belkart Standard has a standard set of functions of a payment bank card: making non-cash payments for goods and services (today, 100% of retail outlets in the Republic accept cards of the Belkart payment system), withdrawing cash, using the services of the issuing bank, i.e. the bank that issued the card remotely.

You can open Belkart Standard as part of a salary project.

Belkart Premium Card: Status bank card

Belcard Premium is a bank card with increased level protection of the owner’s personal data. The card has a number of additional security elements.

With such a card, you have the opportunity to participate in the “Your Bonus” loyalty program, receive additional discounts in partner stores, participate in promotions and games, and much more.

For more detailed information, please contact your bank. this map released. Please note that the terms of use and tariffs are set directly by the issuing bank, and not by the payment system.

Belcard Maestro: Co-badged card for payments abroad

Belkart Maestro is a payment card based on two payment systems: the national Belkart and the international Maestro. The advantages of this card are that you can pay for Belcard Maestro purchases and services not only in the Republic of Belarus, but also abroad. The national payment system is used within the country, and the international payment system is used abroad.

It is also worth noting that with this card you can pay for goods and services on the Internet in any domain zone (a regular Belcard card allows you to pay only in the by domain zone).

Belcard internet banking

Internet banking is an incredibly convenient multifunctional banking service that is provided to bank clients to remotely manage their finances from any PC or other device with access to the Internet.

Once again, it is worth noting that the Internet banking service or Internet bank is provided not by the Belkart payment system, but by the bank that issued the card. Those. If you are the owner of a Belarusbank Belkart card, then Belarusbank provides you with the Internet banking service.

However, before you start using this service, you must activate it. The Internet banking service is activated on the website of the issuing bank.

As an example, let’s look at how to connect Internet banking for a Belarusbank Belkart card.

1. Go to the official website of Belarusbank: belarusbank.by. In the top menu, select Internet banking and the system automatically switches you to the desired address.

2. If your Internet banking system is already connected, then simply enter your username and password; if not, then go to the “Online registration” tab.

3. Once on the Online registration page, enter the data and click continue.

To work in the Internet banking system from Belarusbank, the client must have a personal session code card. Only you should have this card so that no one else can use your Internet banking without your knowledge. You will need the code to log in.

If you connect Internet banking at a bank branch, you will be given a key card immediately. If you register online yourself, then the key card will be sent to you by mail within 10 days.

After entering your login, password and session code, you will be taken to Personal Area Internet banking systems, and there you already choose what operations you are going to perform.

All other banks have approximately the same connection scheme. There may be minor differences, but the principle is the same.

For the convenience of its clients, Belkart has created online manuals on using Internet banking from different banks. You can download what you need below.

Now the transfer of funds to and from the Belkart card can be carried out in any way offered by the bank that issued the card, including using the Internet. Interbank transfers of funds from account to account using BELKART cards on the Internet became available to holders of BELKART cards from January 1, 2017.

As a rule, all banks have approximately the same list of tools that allow you to transfer money to a card. A more correct question would be not “How to transfer money to a Belkart card?”, but “How to transfer money to a card of such and such a bank.” Currently, 22 banks of the Republic of Belarus are engaged in servicing cards of the Belkart payment system, which means that transferring from one Belkart card to another within the country does not cause any difficulties or difficulties. The only nuance that may arise during the process of transferring funds is the commission that the issuing bank charges from its clients in case of transferring money to a card of another bank.

If we talk in general about the methods of transferring money to a card, they are as follows:

Internet banking – allows you to transfer money from one card account to another. Transfer cash You can both within your own banking products, and to cards of third parties.

ATM or information kiosk – allows you to transfer funds from one card to another. The owner of the recipient's card can be either the sender himself or a third party. To make a transfer, you need to know the recipient's card number and its expiration date.

Self-service payment terminal – allows you to transfer cash to a card.

Bank branch - you can top up your card account with cash or non-cash funds.

Internet application - some banks offer their clients to use smartphone applications to manage their finances.

Transfer from Belcard to Visa

Transfer funds from your Belcard card to Visa card only possible if you are a Belkart Maestro card holder. Otherwise, implement this operation will be impossible.

Nuances may arise with the payment of commission. Some banks charge a fee for transferring funds between cards. There are a number of nuances here, for example, a commission may be charged when transferring funds through an ATM, but not when transferring via Internet banking. Most banks transfer funds within their network without commissions (this applies to both cards of the same owner and different ones). However, there are those who charge a small percentage for such a procedure.

To know up-to-date information You can go to the website of the bank that services the sender's card, because... the commission is paid by the sender of the funds.

Belcard: payment by card. Where can you pay with a bank card of the Belkart payment system?

You can pay for goods and services with a Belkart payment system card without restrictions throughout the entire territory of the Republic of Belarus: in shops, cafes, hairdressers, pay for utilities and other services, etc.

As for the Internet, you can pay with Belkar cards only in the by domain zone, this means that you cannot pay for goods, for example, with an AliExpress card of the Belkar payment system.

Also, Belcard cards cannot be used to pay abroad. At the moment, this payment system is not international, but operates only within Belarus.

The only exception is the Belkart Maestro co-branding card. A co-branded card is a card of two payment systems, in our case, national Belcard and international. With this card you can pay not only within our country, but also abroad. However, it is worth noting that only MasterCard partners accept such cards for payment. Pay attention to this and look for the corresponding logo.

Balance Belcard

Check balance payment card can be done in any way offered by the issuing bank, i.e. the bank that issued this card. As a rule, there are a number of standard methods that apply to plastic cards of any banks:

ATM, information kiosk or self-service terminal
From a specialist in any branch of your bank

These methods are known to everyone and are good only if you have time and the opportunity to get away. When there is neither time nor opportunity, but you need to find out the balance right now, you can use one of the following methods:

Internet banking. Log into your personal account and see your card balance online.

SMS banking. You send an SMS in the prescribed form, and you will receive a response message with your balance.

USSD request. You dial a short combination of numbers on your phone and receive a response from the bank.

The presence of a particular function on your Belkart card must be checked on the website that issued the card.

Let's consider ways to check the balance of a Belarusbank card:

SMS banking: send SMS: Ostatok[space]Card password – Ostatok 5685 to number 611.

Internet banking: go to your personal account and see your balance

M-banking: download a special application for your smartphone and view your balance through it

The service of short USSD requests for viewing the balance of Belarusbank cards is not provided.