Most large financial institutions provide their customers with the ability to perform transactions remotely through online banking. On the territory of Belarus, BPS Sberbank Online is an extremely popular service that allows you to perform the most popular transactions among the clients of this bank.
What is BPS Sberbank Online
Online banking seems to be the main tool for performing transactions with accounts and cards remotely, which saves time and effort on visits to branches. At the same time, Internet banking BPS Sberbank Belarus is a local service, which in 2015 was transformed into the standard version of Sberbank Online.
This service has a number of advantages that have made it incredibly popular with the clients of this bank. Among them:
- the possibility of remote payment for housing and communal services, communications, taxes;
- an intuitive interface that even novice users can master;
- customize templates and auto payments;
- viewing the current exchange rate, balance of accounts and cards;
- search for the nearest terminals;
- the possibility of remote blocking of the card, making transactions by the number of "plastic" or account.
So wide functionality make such a service extremely useful for consumers who have an open account with this bank.
BPS Sberbank offers remote service via Internet banking
How to connect
One of the features of this service, it seems impossible to operate it without prior registration of the user. To do this, the client will need to visit the nearest branch of Sberbank. The algorithm of actions that must be performed to gain access to the service will be as follows:
- Find the nearest branch of this financial organization using the official website.
- Visit him, taking your passport, mobile phone with you.
- Contact an employee and express a desire to register in the Sberbank Online service.
- Fill in and sign the application for connection, indicating a valid phone number.
- Give the agreement to the employee and wait for the receipt of an SMS message from the bank about the successful activation of the option.
In order for the registration to be successful, the consumer must fulfill a number of requirements necessary for the correct operation of the service. First of all, the client must have the option “ Mobile bank"Otherwise Sberbank-Online will not be able to function properly.
In addition, the user must have one of the products of this financial institution - debit or credit card, savings account, deposit or other. It should be remembered that the service is tied to one product even in cases when the user has several of them. At the same time, he will still retain the ability to obtain information about them via the Internet.
After the client submits an application, activates the option and registers in the system, he will be given a login, password from his personal account. This combination is generated automatically and is not considered safe. Because of this, it is highly recommended to change the password to your own immediately after the first successful authorization.
To register in Internet banking, you need to fill out a short form
Interface overview
After the user logs in to Personal Area, many functions become available to it. The system interface assumes the presence of several tabs at once, which deserve the attention of the client in the first place. Among them:
- "Payments and Transfers";
- "Deposits and Accounts";
- "Cards";
- "Credits".
"Deposits and Accounts" contains information about all deposit products and customer accounts that he stores in a given organization. If desired, using this tab, you can open a new account, get a statement on existing deposits, and also deposit funds on them. Upon opening, the user will need to online select the deposit program, its placement period, currency and amount of funds.
The "Maps" section contains comprehensive information on all open client products. The left part of the window contains information about the number, name and expiration date of the card, and the second - the current balance, as well as the available actions. The last point deserves special attention, since it can be used to rename the product, make it a calculated one, configure the parameters of SMS-notifications about operations, or even block it altogether.
The "Loans" category contains information about all loans that the client has taken out in Sberbank. With its help, you can quickly find out the amount that will need to be paid in the next payment, as well as the total amount of funds to be repaid. If there is funds on a bank card, the user will be able to deposit monthly payment using the interface of this service.
Internet banking BPS Sberbank allows you to remotely manage your cards, deposits, as well as make payments
How to pay bills
As practice shows, most often users use Internet banking to pay for various bills and services. Sberbank-Online allows you to make such a procedure as simple as possible, since only a few manipulations will need to be performed to make a payment:
- Log in to your personal account.
- Go to the section "Payments and transfers".
- Select the services to be paid for.
- Specify payment details.
- Confirm your intention to make a payment using a verification code from an SMS message.
- Receive a check-receipt electronically.
Such a check should be kept until the funds are credited successfully. In this way, you can pay not only for services, but also carry out transactions of funds in favor of other users. To do this, instead of a service provider, you must specify the details of the recipient.
BPS-Sberbank has a long history of development, which began back in 1923. It was then that this oldest financial institution in the country known as Belpromstroybank. The current name BPS-Sberbank in Belarus received only a few years ago, after the government of the country entered into an agreement with Sberbank of Russia on the acquisition of shares by the latter.
Today BPS-Sberbank is a developed modern financial institution offering clients a wide range of services. The main areas of activity are electronic services for the population, settlement and cash operations, lending and opening deposits, trade and investment financing... On the pages of the official web resource there is complete list available services with detailed description... There, on the website, you can find out all the addresses of branches and ATMs in the desired city and see their location on an interactive map.
Dear Customer!
The Bank ensures the highest level of security of operations, using various means and methods of information protection - from passwords to multilevel security systems based on modern cryptographic protocols and algorithms.
To enter the Sberbank Online system, the Client must enter a username and password, to which the Bank has established certain requirements.
All payment transactions in the Web version of the Sberbank Online system must be confirmed by a code received via SMS to the number mobile phone... To confirm the operation, the Client received a message: “Do not tell anyone! Confirm the operation with a password:… ".
Using mobile app payments are confirmed using an additional password. An additional password for confirming operations is assigned by the user independently and is analogous to his own handwritten signature.
Another security measure is the setting of limits for the use of cards, which is aimed at reducing the risk of unauthorized transactions with the cards of the Bank's customers. At the same time, the Clients have the opportunity in certain cases to remove established by the Bank limits when contacting the Bank's subdivision or independently in the Sberbank Online system.
At the same time, customers should also follow the recommendations of banks for the safe use of cards. Do not transfer the card to third parties, keep confidential card data secret from other persons: number, card validity period, three-digit card authentication code (if any) indicated on the reverse side, logins and passwords, codes from SMS messages of the Bank. This information is never requested by the employees of the Bank.
The Bank on the official website repeatedly posted in the "News" section information that cases of fraud had become more frequent, cited various schemes used by fraudsters. The Bank warned Clients about the need to be vigilant, not to disclose confidential information to third parties, and also drew the attention of clients that the phone number of the fraudster may be similar to the phone number of the Bank and differ by one or more digits.
Therefore, if the interlocutor introduced himself as a bank employee and is trying to obtain secret data, we recommend that you immediately complete the dialogue and contact the Bank yourself by single number 148, or by phone +375 (29/44/25) 5 148 148 (A1, MTS, Life).
The latest news was posted by the Bank on the website on November 18, 2019.
At present, the Bank has changed the text of the SMS message sent to the Client to confirm the operation in the Web version of the Sberbank Online system, indicating that this code can only be requested by fraudsters.
Hundreds of Clients come to the Bank's Customer Support Center every day to get advice. The task of each operator is to provide the most complete information about the products and services of the Bank, to promptly help in resolving the issue that has arisen.
Unfortunately, it is not always possible to quickly answer a call. However, the Bank is introducing additional services to obtain alternative information. Already now, the robot Alesya is helping to solve a number of issues at IVR.
If you are sure that there have been unauthorized debits from your card, you have the right to apply for an application with an identity document to a Bank subdivision, as well as law enforcement agencies, to complete the proceedings.
Sincerely,
OJSC "BPS-Sberbank"
BPS-Sberbank OJSC is part of the Sberbank of Russia group. This is one of the largest banks in Belarus. It originated in the twenties of the XX century. Throughout the Soviet period of history, the bank was engaged in financing capital construction transport and industry of the USSR.
In 1959, the bank becomes the Belarusian branch of the newly created Stroybank of the USSR and concentrates in its hands 90% of all financing capital investments republics.
In 1987, as a result of another banking reform, the bank became part of the USSR Promstroybank.
At the end of 1991, on the basis of the bank, the joint-stock commercial Belpromstroybank was created, which in 1992 became an open joint-stock company.
Since December 2009, 93% of the shares of BPS-Bank have been owned by Sberbank of Russia, and since the end of 2011 it has been renamed OJSC “BPS-Sberbank”.
Serving the accounts of enterprises and entrepreneurs, the bank provides various Banking services in the field of financing, lending, deposits and others. Among his clients are the largest enterprises in all sectors of the Belarusian economy. Branches and subdivisions of the bank are available in all regions of Belarus.
BPS bank services
BPS-Sberbank offers a wide range of lending services. The following forms of loans are provided:
- one-time loan provision;
- overdraft connection;
- provision of a credit line.
At the same time, lending rates are applied, the amount of which depends on the market situation, the type and term of the loan, and the client's solvency.
To guarantee the repayment of the loan, the borrower uses insurance against the risk of loan default, guarantee deposits, pledges, sureties, guarantees.
Investment and trade finance, factoring
One of the main activities of the bank, which are of paramount importance, is the financing of investment business projects.
Investment loans can be issued for the creation of new or modernization of existing enterprises, the purchase of buildings, structures, equipment, agricultural machinery and transport. At the same time, the bank gives preference to projects that contribute to an increase in the output of goods for export, the development of high-tech industries, as well as projects using domestic raw materials.
The constantly growing limits of foreign banks on BPS-Sberbank, its high reputation abroad and work with foreign export credit agencies allow the bank to confidently service foreign trade operations of Belarusian enterprises.
The Bank provides its clients with factoring, concluding one-time or general (fixed-term) contracts with them. This service enables enterprises-clients at the expense of the bank to timely replenish their working capital and increase turnover by giving buyers a grace period to pay for goods.
Bank guarantees BPS
Thanks to extensive experience and high reputation on international markets the bank is able to provide a full range of services for the provision of guarantees to foreign 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 for financing foreign trade operations.
Bank guarantees also help optimize business transactions held domestically.
Settlement and cash and electronic banking services
The bank provides quality management settlement and cash transactions, guaranteeing their highest speed and reliability. At the same time, customers receive additional conveniences. At flexible rates, the bank opens and maintains accounts, conducts all types of payments and transfers on them, carries out operations with cash.
The Bank provides its clients with constant communication with it through the BS-Client remote service system. The "Bank-Client" subsystem of this system provides a high degree of reliability of work with confidential information and reliable protection against unauthorized use. Electronic digital signatures are used to confirm the authenticity of documents.
Foreign exchange transactions and international settlements
The use of such payment systems as SWIFT, TELEX allows the bank to quickly and efficiently conduct Money transfers to partner countries of the Republic of Belarus.
Through currency transactions the bank serves foreign economic activity enterprises. In addition, the bank is entrusted with the tasks of currency control over operations.
Bank storage and collection services
The Bank carries out collection and delivery of cash or other valuables on special vehicles at a convenient schedule.
For storage of documents and valuables of the enterprise and individuals can use bank safes.
Placement and preservation of free funds
BPS-Sberbank can offer the following options for placing and maintaining available funds:
- bank deposits (deposits);
- bank bills.
Deposits allow clients to keep temporarily free funds and receive additional income from this. At the same time, they still have the opportunity to put these funds back into circulation. Flexible rates and terms of deposits allow clients to choose the best conditions for placing funds.
The impeccable reputation of BPS-Sberbank allows it to provide its clients with such a service as promissory notes. These securities are analogous to a deposit with the only difference that they are issued to bearer and can be sold to a third party. The client has the opportunity to return his money, either by selling promissory notes, or using them as a means of payment.
Operations with securities, servicing of depositories
In the interests of clients, the Bank carries out the purchase and sale of government and corporate securities, provides initial placement securities on stock exchanges, registers the transactions made by the client on securities, makes settlements on them, based on the transactions concluded by the client.
In addition, the bank carries out depository storage of the securities purchased by the client.
A special Internet banking service from BPS-Sberbank Belarus allows the user to remotely control their own accounts, as well as conduct various Bank operations without leaving your computer.
Advantages
Internet banking allows an ordinary bank client to experience a whole range of advantages of the service:
- there is no need for a personal visit to a bank branch, you can forget about hours-long queues and carry out most of the routine operations at home, the main thing is to be able to access the Internet. This is very convenient, especially if it takes too long to get to the nearest branch;
- the service allows you to make money transfers, pay for utilities, communications, the Internet;
- in case of loss or theft of the card, it can be instantly blocked;
- personal account of BPS Sberbank is reliably protected from fraudulent actions via the Internet using the SSL protocol;
- there is always the opportunity to use the online chat, which provides the user with the ability to quickly resolve an important issue for him at any time;
- making payments through a personal account, it is possible not only with the use of Sberbank BPS cards, but also cards of other banks;
- the possibility of ordering cards linked to any of the current accounts is available;
- there is a convenient function for tracking overdraft finances;
- work with Yandex.Money is available (even the wallet identification, which allows you to increase its limits, can be done through your personal account);
- there is access to information not only open, but also closed deposits or accounts;
- you can see all the addresses of Sberbank in Belarus.
Cooperation with BPS-Sberbank of Belarus has many advantages
Functionality
Due to the large number of functions, BPS Sberbank online allows you to perform many different functions.
Financial transactions:
- payment for telephony, utilities, Internet access through the ERIP system, etc .;
- various payments to the accounts of individuals and legal entities;
- money transfers between users of Sberbank BPS cards and accounts in other banks;
- depositing funds towards repayment of loans;
- obtaining information regarding the balance and movement of finance on any of the existing accounts;
- formation of bank statements;
- viewing reference data on exchange rates, is there a Sberbank nearby in Minsk, where are ATMs and other information useful to the bank's client.
In addition, a personal account will allow users to activate a number of the following banking services:
- SMS notifications, which have long been practiced by Sberbank of Russia, informing customers about what is happening with their accounts, which significantly increases the security and guarantees the safety of accounts.
- One-button payment - allows you to make recurring payments in one click using a saved online form, greatly saving the user's time.
- "Automatic payment" - allows the bank to independently carry out payment transactions without client orders for certain transactions. The list of such payments is determined by the user independently and, if desired, can be changed.
- Provide additional payment security with Verified by Visa and MasterCard SecureCode for monetary transactions only by confirmation with a one-time password, which the client receives via SMS to personal number phone.
Internet banking i.bps-sberbank.by allows performing various operations on deposits, including opening and replenishing deposits, as well as transferring finances to metal accounts (it is a unique online service of BPS-Bank).
It is also allowed to conduct full control through internal system security of accounts and cards:
- changing the password for accessing your personal account;
- implementation or cancellation of card blocking;
- selection of additional methods of confirmation of the performed operation;
- viewing the authorization log and statements of accounts and deposits;
- selection of services displayed by default on the main page of your personal account.
A complete list of BPS-Sberbank branches is provided on the website
Service cost
The Sberbank card in Belarus allows you to use Internet banking services for free, however, the functionality is significantly limited. Connection is also allowed paid service, costing 7.5 rubles per year.
When choosing free service only the following services are available to the user:
- information and reference system;
- "Automatic payment";
- SMS notifications;
- security systems Verified by Visa and MasterCard SecureCode.
If the client enters into an agreement for comprehensive services in the bank, then he will have access to all the previously described services. Therefore, 7.5 rubles is quite an acceptable cost for complete operational freedom throughout the year.
Internet banking connection
To gain access to online services, it is enough to be a client of the bank. Usually holders of payment cards get access. Most often it is salary cards, which are used to pay for the household needs of citizens.
Access to the service is opened to the card user after the conclusion bank agreement in any of the offices. Registration is allowed without a personal visit to the bank branch. To do this, as a client of the bank, you will need to enter the bpsb.by website. This does not require installation of any additional programs, a computer with any modern browser installed is enough.
Client registration
To register a personal account, you will need to click on the "Sberbank-online" button on the bank's website, which is located in the upper right corner. In the window that appears, click on registration. The registration form contains the e-mail, mobile number and personal data of the client.
Registration in Internet banking
After pressing the "Continue" button, you will need to enter your username and password. The procedure ends with confirmation using a code automatically sent by the bank to the previously specified phone number. After confirmation, you can sign in to the system.
Registration form
Payment for services
To pay for services through Internet banking, you need to log in to your personal account. Then, you should go to the section of payments and transfers. Further, from the proposed list, a service is selected for which payment is required. After that, it remains only to follow the instructions of the system.
For example, payment health insurance is carried out as follows:
- it is necessary to select an item to pay for health insurance;
- the type of payment is set in the window that appears. Let it be "Payment of the first installment of the insurance premium";
- then, a write-off card is selected, with which payment will be made and the name of the company with which the DSMR agreement is concluded;
- the required amount and the payer's data are indicated, after which you need to click "next";
- after checking the correctness of the information entered, you can end the operation by entering the confirmation code and pressing the payment button.
A generated check will appear in the window that appears. It can be printed, sent to an e-mail box, or saved on a computer in PDF format. Also, the performed operation can be added to quick payments to facilitate subsequent payments.
Sberbank Online leaves a positive impression due to the large number of functions and services provided by the bank. The service managed to make a big breakthrough, which allowed it to get the title of the most innovation bank at the "Bank of the Year" award in Belarus.
Sberbank online has really become convenient system helping clients to implement financial transactions and the provision of related services, allowing you to quickly and safely conduct transactions with your accounts and cards.
