May bank bps sberbank. BPS Sberbank. Information about the financial institution. Data registration and recovery

Guest Mode

One of the coolest features, in our opinion, is the “Guest Mode” format. Why guest? Because now you don't have to be a client of the bank! At the same time, the ability to make payments from any bank card is at your disposal!

To enter, we go through a quick registration. We enter key data into the form, and an SMS comes to the phone. Come up with a login, password - and you're done :)

It contains a number of features, thanks to which now (in addition to repaying a loan or overdraft), you can even pay utility bills. And all this with a bank card of any other Belarusian bank.

There were a lot of services that can be paid. We decided to pay for mobile communications. To do this, the first step was to indicate 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 amount, - everything is as usual.

The system, of course, asked us for the card details and the 3d Secure password. After entering all the data, the payment was successful - the system provided us with a check, and we received a confirmation of payment by e-mail.

In addition to making regular payments in the system, it is possible to transfer money between cards of the Mastercard system, including to the CIS countries. We just indicate the sender's number, the service calculates the commission for the transfer for us.

Press the "Continue" button, enter the 3d Secure password and receive a message that the operation was successful. Everything is clear and convenient.

Even if not being a client, you can make an impressive list of transactions, then the bank certainly has a lot of interesting things for its clients. We look.

Home page and visibility settings

We liked the general structure of the Internet bank. The home page interface has become even more user-friendly. Here we found all our payments and cards.

In the "Security" section there is a function "Setting the visibility of products", which allows you to hide some of your products (cards, deposits, loans) from prying eyes. To do this, simply set the desired mode.

My finances

In the section "My finances" you can find a pie chart that displays all your deposits, cards and other accounts. And if you no longer have active cards, then you can see if there is money left in the account, which will help you not to forget about your savings.

Arbitrary payment

There are also several innovations in the "Free payment" section. Now bank clients can make a transfer to a private person, and not only by account number, but also by document.

For using the payment, a fixed fee is charged in the amount of 1 BYN.

Translations

Transfers to the bank's customer card in the system can be carried out in two ways.

The first, as usual, is by card number. The second - by the mobile phone number. Let's try to use it ...

As soon as we indicate the number and press the "Continue" button, the system automatically detects the recipient - this is very convenient and will help us not to make a mistake with the counterparty.

Overdraft

In most banks, after an overdraft is issued, personal funds and borrowed funds are not differentiated on the card. For clients, this becomes a headache, because it is not very convenient to independently calculate, at times, far from small amounts.

BPS-Sberbank has a separate overdraft balance and personal money in the Sberbank Online system. Now, in order to repay an overdraft, we do not have to calculate all the amounts in our head, all the necessary information is in this section, including a graphical display of debt.

Payments and transfers with cards of other banks

Let us remind you that another function of the Internet Bank is the ability to repay loans, overdrafts and even replenish deposits with cards of other banks. At the same time, no commission is charged for these services by the bank.

For our part, we decided to check, is it as simple as it seems at first glance? First of all, we opened a revocable deposit "Online Deposit 1" in the section "Deposits and accounts" for 1 month.

And if something is not clear to you, questions can always be clarified with an online consultant without leaving the page.

We agree with the terms of the contract, enter an additional password - done :)

After opening the deposit, BPS-Sberbank even gave us a "compliment" by giving a discount in the stores of its partners.

Now let's try to replenish our new contribution... As it turned out, you can replenish not only your deposit, but also the deposit of any other client of the bank.

We decided to replenish the deposit with a card of another bank. It turned out to be quite simple.

We fill out the form, indicate the amount, the number of the account to be replenished, and the rest of the fields, and then press the button "Replenish the deposit". Then we indicate all the details of the card and select "Pay".

It remains to enter the 3d Secure code, and you're done.

The only open question for us was how quickly the money would be credited to the deposit. We decided to ask an online consultant about this.

It is worth noting here that VIP-clients have the opportunity, in addition to online chat, to ask a question of interest directly to their personal manager.

Card application

In the Sberbank Online system, a user can issue a card not only to an existing account, but also order a new card.

Currency exchange

The currency exchange service was very helpful. You just need to go to the "Transfers" section and follow the link "Currency exchange".

Next, select the cards with which we want to exchange currency. We indicate the amount of the transfer either in the currency of the debiting card, or in the currency of the crediting card and indicate the amount of the transfer. And a little lower in the "For reference" section, we will see how much will be debited from our card, taking into account the current exchange rate.

Yandex money

A useful and undoubtedly popular service in the Internet bank attracted our attention - identification of the Yandex.Money wallet. By identifying the wallet, you will confirm that you opened it a real man and thus expand the range of your possibilities.

This service can be found in the "Other" section, in the top menu of the system.

Then we pay for the connection, which costs only 0.1 BYN.

You will see a notification that identification will be completed soon, and after a while you will receive a notification that it is complete.

Wallet identification will help expand the capabilities of the wallet itself. For example, now we can make translations personal funds to various bank cards or an account with Yandex. Wallet.

Let's summarize

The overall impression of Sberbank Online is positive, it is clear that the bank has made a big leap forward in recent months. Progress was noted not only by the website, presenting the bank with an award for the best application for the VIP segment. According to the results of an independent study by the international payment system Visa, the bank is also recognized as a leader in organizing digital sales channels for selected products.

Of course there are some rough edges. But this is an inevitable situation - they are eliminated in the process of finalizing the service.

For example, we would like to see in the "My finances" section the analytics of expenses for non-cash transactions (cars, groceries, travel, etc.) and cash withdrawals.

For complete convenience, there is a lack of the ability to replenish the Yandex.Money wallet in your personal account. However, judging by the information posted on the BPS-Sberbank website, the bank is already working on this issue.

Having an overdraft, the user would be interested to increase its amount directly in the Sberbank Online service.

What we liked:

• "Guest Cabinet", which allows you to make payments from cards of other banks,
• Always at hand Online chat, which allows you to resolve the user's question quickly and at any time.
• The ability to make payments inside personal account both from BPS-Sberbank cards and from other banks.
• The ability to view information on your closed accounts and order a card for any account (including without a valid card).
• Convenient monitoring of overdraft funds.
• And of course, the exclusive Yandex.Money service.

In December 2009, the Government of the Republic of Belarus and Sberbank of Russia announced the signing of an agreement on the purchase by Sberbank of Russia of 93.27% of shares in BPS-Bank OJSC and the conclusion of an investment agreement on the long-term development of BPS-Bank.

In October 2011, the bank was renamed into BPS-Sberbank Open Joint Stock Company.

Focusing on the further growth of the economy, BPS-Sberbank has defined a strategic line for maintaining progressive and dynamic development.

In order to strengthen positions on financial market, the bank will continue to consistently build up equity capital and resource base, providing comprehensive service clientele using international standards banking, available technical and financial resources, branch network capabilities.

Priority lending policy will remain unchanged real sector economy, primarily energy, construction, fuel, oil refining, chemical instrument-making industries.

BPS-Sberbank OJSC is part of the Sberbank of Russia group. This is one of the largest banks in Belarus. It was born in the twenties of the XX century. Throughout the entire 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, a joint-stock commercial Belpromstroybank was created, which in 1992 became an open joint-stock company.

Since December 2009, 93% of BPS-Bank shares 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, security deposits, pledges, sureties, guarantees.

Investment and trade finance, factoring

One of the main activities of the bank 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 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 carry out money transfers to partner countries of the Republic of Belarus as quickly and efficiently as possible.

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 into circulation again. 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 by 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.

We are testing self-service systems of Belarusian banks. Today we will evaluate the work of Internet banking from BPS-Sberbank.

Data registration and recovery

There are two ways to register in the system. The first one is if you are already a client of the bank and you have some kind of product, for example, a card or a deposit.

In my case, it's a map. To register, I needed a passport and mobile phone, which received an SMS code for confirmation.

The second way to use the BPS-Sberbank service is to register with guest cabinet... You do not need to be a bank client to complete it. For this form of registration, you only need SMS - confirmation.

A feature of the guest mode is the ability to pay for some services using cards from other banks, but today we will consider full version systems.

If you forgot your username or password, then you just have to register again. However, there is one drawback - you cannot leave the previous login, the system will say that it is already taken, you will have to come up with a new one :(

Functional

This is how the main page of the Internet bank looks like. On it you will find all your issued products: cards or deposits.

Now let's take a closer look at "Personal menu"... The first service is "Operations history".

Here you can view transactions for any period, both for all cards, and for any one.

I really liked the ability to manage payments, you can also find it in the side menu. This is where your payments are stored, which can be renamed, deleted and grouped into various folders ...

Also, let's not forget that for all services, for example, payment for the phone or the Internet, you can set up automatic payment. However, this service is paid.

Perhaps one of the most interesting sections of the system is PF manager which can be found in the section "My finances"... The financial assistant will analyze all your income by cards, accounts and even loans :)

"Payment sheets"- undoubtedly a useful function, but it will only come in handy if the organization in which you work concludes a special agreement with the bank.

For example, you can change your login password or choose a convenient way to confirm transactions.

A pleasant surprise was the ability to customize the visibility of the products. For example, if you do not want to overload the main page, then you can leave only one main card, and hide deposits and loans.

Setting of limits is also available in the Internet bank. However, I was able to set restrictions only on the countries of the transaction, the limits on the amount and quantity gave me an "error" :(

In the next subsection - "My statements"- you can track certificates, loan applications, view concluded insurance contracts, and also find out the status of their execution.

Now let's go through the main sections. First - "Payments and transfers".

But the most unusual thing is the ability to pay with the cards of other banks. Moreover, you can pay for services in the ERIP system, as well as replenish deposits, and repay an overdraft, and even make transfers :)

At first glance, it is clear that translations are strong point jar. Literally any transfer options are available to you: by phone number, by card number, between cards of other banks, and even transfers to foreign currency outside Belarus :)

In chapter "Cards" you can order a card for a new account or for an existing one.

But not everything is so smooth - we did not manage to order a call and personal consultation in the system. Endless loading :(

In the section titled "Deposits and Accounts" you can choose a suitable deposit and open it without leaving your home ...

In chapter "Loans" only the application is available, but it seems not to everyone. Apparently, only the user who receives a salary on a BPS-Sberbank card can apply for a loan.

In chapter "Closed accounts" you will receive information about all the products that you have previously registered, for example, a deposit or a card account.

Personal opinion of the correspondent

In addition to the basic functions, you can find many interesting opportunities, such as identifying Yandex Wallet or applying for insurance.

The functionality is extensive, especially in the translation section.

I would also like to note the presence of a PF manager and the ability to pay for services with cards from other banks.

Test result - 111 points out of 125 possible

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