We are tested by the self-service systems of Belarusian banks. Today I will estimate the work of the Internet - banking from BPS Sberbank.
Registration and data recovery
You can register in the system in two ways. The first - if you are already a bank client and you have some product, such as a card or deposit.
In my case is a map. To register, I needed a passport and a mobile phone on which the SMS code came to confirm.
The second way to use the service BPS Sberbank is to check in the guest room. To pass it, you do not need to be a bank client. For such a form of registration, you will only need an SMS confirmation.
The feature of the guest regime is the ability to pay some services using other banks, but today we will consider full version Systems.
If you forgot the username or password, then you just have to re-register. However, there is one minus - the former login to leave you can not, the system will say that it is already busy, you will have to invent a new one :(
Functional
Here is what the main page of the Internet bank looks like. On it you will find all your decorated products: maps or deposits.
Now let's get acquainted with "Personal Menu". First service - "Operations history".
Here you can see operations for any period, both on all cards and for some one.
I really liked the opportunity to manage payments, you will also find it in the side menu. Here are your payment, which can be renamed, delete and group by various folders ...
Also, let's not forget that for all services, such as payment of the phone or the Internet, you can configure automatic payment. However, this service is paid.
Perhaps one of the most interesting sections of the system - PF managerwhich can be found in the section "My Finance". Financial assistant will analyze all your income on cards, accounts and even loans :)
"Calculated sheets" - Of course, a useful feature, but it will come in handy only if the organization in which you work will make a special agreement with the bank.
For example, you can change the password to enter or choose a convenient way for you to confirm operations.
A pleasant surprise was the opportunity to adjust the visibility of products. For example, if you do not want to overload the main page, you can only leave one major card, and deposits and loans hide.
Installation of limits is also available on the Internet. However, I was able to establish limitations only by country of operations, limits on amounts and quantity issued me an "error" :(
In the next subsection - "My statements" - You can track references, loans applications, view prisoners for insurance contracts, as well as learn the status of their execution.
And now we will go on the main sections. First - "Payments and translations".
But the most unusual is the opportunity to pay the maps of other banks. Moreover, you can pay for both the services in the system of the ERIP, and replenish deposits, and repay overdraft, and even - to make translations :)
At first glance, it is clear that translations are strong side bank. You are accessible literally any transfers: by phone number, by map number, between maps of other banks and even translations in foreign currency beyond Belarus :)
In chapter "Cards" You can order a card to a new account or to the already valid.
But not everything is so smooth - to order a call and personal consultation in our system did not work. Infinite loading :(
In the section called "Deposits and accounts" You can choose a suitable contribution and open it without leaving home ...
In chapter "Credits" Only an application is available, but it seems not to everyone. Apparently, the application for a loan can only be submitted to the user who receives a salary on the BPS Sberbank card.
In chapter "Closed accounts" You will receive information about all the products you have previously made, for example, deposit or card account.
Personal opinion of the correspondent
In addition to basic functions, in the Internet - the bank can find many interesting opportunities, such as Identification Yandex Wallet or registration of an insurance application.
The functionality is extensive, especially in the transfers section.
Separately, I want to note the presence of a PF manager and the ability to pay for services by cards of other banks.
Test test - 111 points from 125 possible
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| Internet Bank Evaluation Criteria | BPS Sberbank | ||||
| connection | easy connection (availability) online (immediately after registration) | 5/0 | max 12. | 5 | |
| the authorization mechanism (for login enough login or password or need something else) | 2/1 | 2 | |||
| data recovery, in case of lost login and password (without visiting the bank) | 5/0 | 5 | |||
| convenience | are there any information about the balance on the first page | 5/0 | max 47. | 5 | |
| is it possible to browse fast payments to the first page | 3/0 | 3 | |||
| availability of quick access to frequently used features | 2/0 | 2 | |||
| Session Passwords (SMS / Cards) | 2 / 0 | 2 | |||
| connection / Disable 3D Secure | there is / no 5/0 | 5 | |||
| connection / Disable SMS - inform | there is / no 5/0 | 5 | |||
| ability to manage limits | there is / no 5/0 | 5 | |||
| is there information on tariffs and card commission | there is / no 5/0 | 5 | |||
| List of card operations in "Day per day" mode | 5/0 | 5 | |||
| power Code Replacement | 10/0 | 0 | |||
| Functionality | payments | Ability to create autoplase | 1/0 | max 42. | 1 |
| ability to create a list of your payments | 3/0 | 3 | |||
| availability of a free payment function | 5/0 | 5 | |||
| ability to rename your payments (templates) | 2/0 | 2 | |||
| are there any checks | 1/0 | 1 | |||
| you can print / send checks | 1/0 | 1 | |||
| you can make a second payment from the check | 2/0 | 2 | |||
| translations | on the map of his bank (without jerp) | 2/0 | 2 | ||
| on a map of any bank in Belarus (without jerp) | 5/0 | 5 | |||
| to map foreign Bank | 3/0 | 3 | |||
| personal Financial Manager Service | there is / no | 5/0 | 5 | ||
| deposits | there is / no | 5/0 | 5 | ||
| loans | online application | 1/0 | 0 | ||
| online receipt | 5/0 | 0 | |||
| repayment of credit | 1/0 | 1 | |||
| additional features | Online - Card Reissue Application | 2/0 | from 12. | 0 | |
| online - Application for the release of an additional card | 2/0 | 2 | |||
| search for ATMs and offices (yes / no) | 5/0 | 5 | |||
| currency exchange rates | 3/0 | 3 | |||
| plus 2 points per extra opportunity | insurance (+2 points), settlement sheet (+2 points) | 4 | |||
| feedback | Are there any phone bank (there / no) | 2/0 | max 12. | 2 | |
| there is online - real-time support, chat (yes / no) | 10/0 | 10 | |||
| personal opinion | Overall impression | without ballot | |||
| Maximum number of points | 125 | 111 | |||
JSC "BPS-Sberbank" is included in the Sberbank of Russia. This is one of the largest banks of Belarus. He originated in the twenties of the 20th century. Throughout the Soviet period of history, the Bank was financing capital construction Transport and industry of the USSR.
In 1959, the Bank becomes the Belarusian branch of the Constructionbank of the USSR and focuses in his hands financing 90% of all capital investments republic.
In 1987, as a result of the next banking reform, the Bank becomes part of Promstroybank of the USSR.
At the end of 1991, a Joint-Stock Commercial Belpromstroybank was created on the basis of the bank, which in 1992 becomes an open joint-stock company.
Since December 2009, 93% of BPS-Bank shares belong to Sberbank of Russia, and since the end of 2011 he began to be called OJSC BPS Sberbank.
Servicing the accounts of enterprises and entrepreneurs, the bank provides a variety banking services in the field of financing, lending, deposits and other things. Among his clients there are the largest enterprises of all branches of the Belarusian economy. Branches and bank divisions are available in all regions of Belarus.
Services of Bank BPS
BPS Sberbank offers a wide range of lending services. The following forms of loans are provided:
- lump-sum loan;
- connection overdraft;
- providing a credit line.
At the same time, credit rates are applied, the size of which depends on the market situation, the type and term of the loan, the solvency of the client.
To guarantee the return of the loan, the borrower uses the risk insurance of loan, warranty deposits, collateral, guarantees, guarantees.
Investment and Commercial Financing, Factoring
One of the main activities of the Bank with paramount importance is the financing of investment business projects.
Investment loans can be issued to the creation of new or modernization of existing enterprises, buying buildings, structures, equipment, agricultural machinery and transport. At the same time, the Bank prefers projects to promote an increase in the release of goods for exports, the development of high-tech industries, as well as projects using domestic raw materials.
Constantly growing limits of foreign banks to the Bank "BPS Sberbank", its high reputation abroad and work with foreign export credit agencies allow the Bank to confidently serve foreign trade operations of Belarusian enterprises.
The Bank provides customers with factoring, concluding one-time or general (urgent) contract with them. This service makes it possible to establish clients at the expense of the bank to replenish their coverages and increase the turnover, providing customers to the delay in the payment of goods.
Bank guarantees BPS
Thanks to the best experience and high reputation in international markets, the Bank is able to provide the entire range of guarantees to overseas companies.
The provision of these services makes it possible to reduce the risks of enterprises in foreign trade operations, as well as to reduce their costs of financing foreign trade operations.
Bank guarantees also help optimize economic operationsconducted within the country.
Cash and electronic banking services
The bank carries out quality maintenance cash Operations, guaranteeing their highest speed and reliability. Customers at the same time receive additional amenities. According to flexible tariffs, the Bank opens and conducts accounts, conducts all types of payments and transfers on them, performs transactions with cash.
The Bank provides customers with a permanent connection with it through the BS-Client remote service system. The subsystem "Bank-Client" of this system provides a high degree of reliability of working with confidential information and reliable protection against unauthorized use. Electronic digital signatures are used to confirm the authenticity of documents.
Currency Operations and International Calculations
The use of payment systems such as SWIFT, Telex allows the bank as quickly and effectively and effectively money transfers In countries - partners of the Republic of Belarus.
Through. currency transactions The bank serves foreign economic activity enterprises. In addition, the Bank imposes tasks for currency control over operations.
Banking Storage and Collection Services
The bank carries out the collection and delivery of cash or other values \u200b\u200bon special transport on a convenient schedule.
For storing documents and values \u200b\u200bof the enterprise and individuals Can use banking safes.
Placing and maintaining free cash
BPS Sberbank can offer the following accommodation and preservation of free funds:
- bank deposits (deposits);
- bank bills.
Deposits allow customers to store temporarily free funds and receive additional income from this. In this case, they keep the ability to again let these funds in turnover. Flexible bets and terms of deposits allow customers to choose optimal conditions for the placement of funds.
The impeccable reputation of the Bank "BPS Sberbank" allows him to provide its customers with such a service as bills. These papers serve as an analogue of the deposit with the only difference, which is issued for the bearer and can be sold to a third party. The client has the ability to return his money, or selling a bill, or using them as a means of means.
Securities operations, depositories
The bank in the interests of customers carries out the sale of state and corporate securities, provides primary placement Securities on stock exchanges, registers the transaction committed by the Client securities, Calculates on them, based on the transactions concluded by the client.
In addition, the Bank carries out the depositary storage of securities acquired by the Client.
June 2, 2017. 10515
News partners
IN lately BPS Sberbank released a number of updates " Online Sberbank", Internet bank for private clients. How long did this service improved from the moment of our last test? Let's look at its functional closer.
Guest regime
One of the coolest chips in our opinion was the format of the "guest regime". Why guests? Because now it is not necessary to be a bank client! In this case, the opportunity to make payments from the card of any bank at your disposal!
For the entrance we pass quick registration. We enter key data into the form, and the SMS comes to the phone. We come up with login, password - and ready :)
It contains a number of opportunities, thanks to which now (in addition to repaying a loan or overdraft), you can even pay utility payments. And all this bank card of any other Belarusian bank.
Services that can be paid, turned out to be very much. We decided to pay mobile communications. To do this, the first thing was required to specify the card number and email.
Then the system asked us to indicate the payment details - in our case, this is the phone number, full name, and the amount, everything is as usual.
The system, of course, requested the details of the card, and the 3D Secure password. After making all these data, the payment was successful - the system provided us with a check, and we received a confirmation of payment by email.
In addition to the usual payments in the system, there is an opportunity to translate money between the MasterCard system cards, including the CIS countries. We simply specify the sender's number, the service calculates the size of the transmission commission for us.
Click the "Continue" button, enter 3D Secure password and receive a message that the operation has passed successfully. Everything is clear and convenient.
If not even by the client, you can commit an impressive list of operations, then for its customers the bank is probably a lot of interesting things. We look.
Homepage and Visibility Settings
We liked the general structure of the Internet bank. Interface main page It became even more comfortable for perception. Here we found all our payments and cards.
We did not have to guess what category to look for different bank products. As it turned out, on the main page, not only all of our cards may be displayed, as well as deposits, accounts and loans.
In the Safety section, there is a "product visibility setting" function, which allows you to hide some of your products (cards, deposits, loans) from prying eyes. To do this, simply set the desired mode.
Not only all active products are displayed in the Internet Bank, in the apparent settings of products you can find all the cards you owned before, even with the "canceled" status.
My finance
In the "My Finance" section you can find a circular diagram on which all your deposits, maps and other accounts are displayed. And in case you no longer have to account active cards, then you can see whether money remained on the account, which will help not forget about your savings.
Also in the Finance section, we found an interesting service - "Calculated sheets. Data on accruals and deductions for wages Forms the company's accounting, in which the user works. This service is working after signing the contract between the employer and the bank.
Arbitrary payment
In the "Arbitrary Place" section also have several innovations. Now the bank customers can make a translating to a frequent person, and not only by counting the number, but also on the document.
As a document, there may be not only a passport, but also a residence permit, a refugee certificate or even a passport of a foreign state citizen.
The use of payment is charged fixed payment in size - 1 BYN.
Translations
Translations for the Bank's Customer Card in the system can be carried out in two ways.
The first, as usual - by the map number. Second - by number mobile phone. Let's try to use it ...
As soon as we specify the number and click the "Continue" button, the system automatically determines the recipient - it is very convenient, and will help us not make a mistake with the counterparty.
If the recipient has several cards, you can even specify another card number, you should only click on the "Specify another recipient's card number", and then fill in the form of the 4th last figures.
Overdraft.
In most banks, after registration of overdraft, personal funds and borrowed are not delimited on the map. For customers, it becomes a headache, because it is not entirely convenient to delete at times not small amounts.
The BPS Sberbank in the Sberbank Sberbank system has an overdraft balance and personal money are delimited. Now, in order to repay overdraft, we will not have to count all the amounts in the mind, all the necessary information is in this section, including a graphical display of debt.
You can repay overdraft in the "Loans" section through the Actions button. The system automatically displays the amount of the payment.
Payments and transfers of other banks
Recall, another of the functions of the Internet bank - the ability to repay loans, overdrafts and even replenish contributions by the cards of other banks. At the same time, the Commission for these services by the Bank is not charged.
For my part, we decided to check if it just seems to be at first glance? First of all, we opened the reader's Contribution "Online Deposit 1" in the section "Deposits and Accounts" for 1 month.
The process itself was surprisingly fast and simple, after selecting the desired deposit, we saw all the conditions on the deposit: interest rate, an initial fee, Storage time and other conditions.
And if something is unclear to you, the questions can always be clarified by the online consultant, without leaving the page.
We agree with the terms of the contract, enter an additional password - ready :)
After the opening of the contribution of the BPS Sberbank, even made us a "compliment", giving a discount in the stores of its partners.
But now let's try to replenish our new contribution. As it turned out, you can replenish not only your contribution, but also the deposit of any other client of the bank.
We decided to replenish the contribution of the other bank's card. It turned out to be a fairly simple.
To do this, go to the section "Payments and translations by cards of other banks" and choose the item "Replenish the Bank's Deposit Bank of another bank".
Fill out the questionnaire, specify the amount, the number of the account of the account, and the other fields, and after press the button "Replenish deposit". After that, we specify all the details of the card and choose "pay".
It remains to enter 3D Secure code, and ready.
Just open for us was the question of how quickly the money is credited to the deposit. We decided to ask about this with an online consultant.
Well, instant enrollment undoubted plus!
It is worth noting here that the VIP clients have the opportunity in addition to the online chat to ask the question of the question directly by the personal manager.
By the way, the personal account of a significant client is decorated in the appropriate color gamut of the premium segment.
Application for map
In the Sberbank online system, the user can issue a map not only to an existing account, but also order a new card.
The process itself took quite a bit of time, the first thing you need to choose either the map of the card to the current account or to the new one. If the choice is made in the direction of an existing account, then we simply choose the desired account by clicking the "Select" button. Depending on the user's preferences, you can select a map of one of the payment systems.
Within an hour, the map will be displayed in Internet banking. The user after time it is necessary to contact the Bank's office for the manufactured card and activate it in an ATM, looking at the balance of the card.
Currency exchange
Very helpful turned out to be a service for currency exchange. It is enough just to go to the "Translations" section and follow the link "Currency Exchange".
Further choose the cards for which we want to exchange currency. The sum of the translation indicates either the currency of the write-off cards, or in the currency currency currency and indicate the transfer amount. And a little lower in the "Reference" section, we will see what amount will be written off from our card, taking into account the exchange rate at the moment.
We enter an additional password, and ready. If you wish, the check can not only be printed, but also send to email, or save on a computer. The choice is yours.
Yandex money
Attracted our attention a useful and undoubtedly demanded service in the Internet bank-identification of the Yandex.Money wallet. Identifying the wallet, you confirm that it was opened by a real person and thus expand its capabilities.
This service can be found in the "Other" section, in the top menu of the system.
For identification, we enter the wallet number, after which a questionnaire with passport data appears before us, where you need to fill the missing details.
After that we pay the connection, which is only 0.1 BYN.
After identifying the system, you need to go to the Yandex.Money page and click on the balance sheet, then according to the active link "Passport details" and double-check them. After that, if the data is correct, you press the "Yes, this is the correct data" button.
You will see a notification that the identification will be completed soon, and after a while comes a notification that it is completed.
Identification Wallet will help expand the capabilities of the wallet itself. For example, now we can make personalized personal transfers to various bank cards or accounts with Yandex. Wallet.
Let's summarize
The overall impression of Sberbank online is positive, it is clear that the bank has made a big jerk forward in recent months. Progress noted not only the site, handing the bank to the reward for the best application for the VIP segment. According to the results of an independent study of international payment visa systemsThe Bank is also recognized as a leader in organizing digital sales channels of individual products.
Some roughness of course there. But this is an inevitable situation - they are eliminated during the process of improving the service.
For example, we would like to see in the "My Finance" section of the analytics of non-cash transactions (cars, products, travel, etc.) and cash withdrawals.
For full amenities, it is not enough to replenish the Yandex.Money wallet in your account. However, judging by the information posted on the BPS Sberbank website, the Bank is already working on this issue.
Having an overdraft user would be interesting to increase its amount directly in the Sberbank online service.
What did you like:
- "Guest Cabinet", which allows you to make payments from cards of other banks,
- Always at hand online chat, which allows you to solve the user's question promptly and at any time.
- The ability to make payments inside personal Cabinet Both with BPS-Sberbank cards and other banks.
- Ability to view information on your closed accounts and order a map to any account (including without a valid card).
- Comfortable monitoring of funds overdraft.
- And of course, the exclusive service of Yandex.Money.
In December 2009, the Government of the Republic of Belarus and Sberbank of Russia announced the signing of an agreement on the purchase of Sberbank of Russia 93.27% of the shares of OJSC BPS-Bank and the investment agreement on the long-term development of the BPS-Bank.
In October 2011, the Bank is renamed open joint-stock company "BPS Sberbank."
Focusing on the further growth of the economy, BPS-Sberbank OJSC has determined the strategic line of preserving progressive and dynamic development.
In order to strengthen positions on financial market, the bank will continue to consistently extension own capital and resource base, provision comprehensive service Clientele, Using international Standards banking, technical and financial resources available, the possibilities of the branch network.
The policy will remain unchanged on priority lending. real sectors Economy, primarily enterprises of energy, construction, fuel, refinery, chemical instrument-making industries.
Open Joint-Stock Company "BPS Sberbank" is the oldest and one of the largest banks of the Republic of Belarus. Formed on the basis of the former Belpromstroybank, which in 2009 was acquired by the Russian Sberbank. In 2011, the company survived rebranding and now fully corresponds to the style and concept of Sberbank.
Today, the services offered by the BPS Sberbank are extremely wide. Customers can serve here salary and deposit accounts, calculated on loans, make a mortgage and car on credit, pay for services, buy and sell currency and much more. In more detail about everything related to the bank, the easiest to know by visiting its website www.bps-sberbank.by.
BPS Sberbank to private clients
All services and opportunities that are developed by BPS Sberbank for private individuals-individualsAre on the tab of the main menu of the site "Private clients". Going to the first page, the visitor immediately sees interesting offers, housed on a mobile banner, as well as other popular services: online payments and deposits, credit cards, automatic payment and so on. Clicking on the desired one, the user will quickly transition to the section you need, bypassing the confusing menu.
By the way, the menu itself is located at the top of the page of the BPS Sberbank website and contains sections:
- take a loan - lending to various needs;
- choose a map - information on banknotes and their design;
- accumulate and save - the calculator of deposits, the conditions for their design for different currency;
- earn and invest - investments in funds, bonds, precious stones and metals;
- pay and translate - money transfers, online banking, auto-payment;
- insure yourself and property - insurance, rental safes.
This menu is duplicated at the bottom of the Sberbank BPS page, in the "All Products and Services of the Bank" block, but in a more visual form. The menu links lead on the service pages where you can learn more about them, apply for registration or order.
The most popular services of the BPS Sberbank are lending, maps and deposits, as well as the implementation of ruble or foreign exchange transfers.
Lending to Fizlitz
Lending on the Sberbank website BPS
Card design
Customer Bank can order a credit card online, and to come only to pick it up. The offer is very wide:
- salary cards;
- person Alants Visa, MasterCard, Maestro;
- credit cards;
- pension cards;
- affiliate cards (give bonuses when paying).
On the official website of the BPS Sberbank placed information about the conditions of granting a map: how to serve how much it costs, is there any credit limit And what, bonuses and so on.
Deposits from the Bank
Take deposit
BPS Sberbank offers to accommodate their money on short-term and long-term deposits under a profitable percentage. You can arrange a deposit in belorussian rubles and another currency, in the bank and online branch, submitting an application on the BPS Sberbank website. There is also a calculator of deposits.
Payment services and money transfers
Payment for services
Customers of the Bank often have questions about how, where and under what conditions they can translate money. BPS Sberbank forwards money throughout the country, as well as abroad in the CIS and Europe mills. Conditions, the Commission can be viewed on its official website in the relevant section. There is also detailed information about online services, Internet clients and bank applications.
BPS Sberbank Entrepreneurs
The main bank RB offers its commercial customers a profitable service and great opportunities. Detailed large and small entrepreneurs, as well as their financiers and accountants, can read about it on the tabs "Small and Middle Business" and " Corporate business»Official site institution.
Small and medium businesses
In their local menu there is information about lending legal entities, investment, service of business (accounts, calculations, translations, salary projects, taxes), insurance and other.
The most sought-after were partitions with loans and service.
Lending to Yurlitz
Take a loan
The Bank provides lending services in different volumes and any objectives: launch, expansion, business support, investment. In addition, via BPS Sberbank can produce shares and bonds, as well as obtain advice on financial issues.
Calculations for business
Settle calculations
All entrepreneurs know how many papers daily have to fill and how often you need to contact with the bank. Revenue is brought here, salary projects are issued here, calculations are made with counterparties, taxes and utility payments are paid here. BPS-Sberbank some of them were simplified, and now most services entrepreneur can order online or call. The most popular services for business are:
- opening and maintenance of enterprise accounts;
- salary projects;
- settlement and cash services;
- collection;
- wED service.
Mobile applications and remote maintenance
Customers of the Bank online and mobile services are particularly popular in the age of information technologies. For example, almost everything is used by Internet banking today, and the mobile client is installed on each second smartphone.
Corporate clients and firms order remote maintenance, and also lead their financial activitiesusing mobile and Internet client, information Systems and bank services.
With the help of online services, customers can manage their account, watch the balance on it, make payments in favor of other individuals and legal entities, translate money on a map of this or another bank, both their own and someone else, block and unlock accounts, draw out loans, Deposits, insurance, pay for services, fines and utilities, etc.
How to find a bank branch?
Although the operations with the bank are simplified as much as possible, still from time to time you have to visit the department. Find the nearest to your home or office is easy: by clicking on the link "Divisions and ATMs" in the header of the site and specifying your city, you can find the address, contacts and time of the department, as well as ATMs and terminals, including 24 / 7.
A similar tile is located at the bottom of the main page, section - "Regional Network"
Contacts and contact with the administration
Hotline BPS Sberbank for customers from any mobile - 148. Here you can:
- find out information on your account, card connected and disconnected, request an extract;
- consultation, if any of the services was not provided (for example, the payment or payment "hung" was passed, and the money did not come);
- leave a request, request, complaint;
- get help about security;
- set up services, get fast consultation.
The hotline works in automatic mode (the client listens in advance recorded information), as well as through operators. In principle, you can call here with any question: if there are no auto in the system, the operator will definitely help.
Bank customers can order a callback (link in the site cap), and the bank will call him back to the specified number.
