Internet banking of BPS-Sberbank. Interesting features, extensive functionality

Guest mode

One of the coolest features in our opinion was the "Guest mode" format. Why guest? Because now it is not necessary to be a bank customer! At the same time, the ability to make payments from a card of any bank is at your disposal!

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

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

There are a lot of services that can be paid for. We decided to pay mobile communication. 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 a phone number, full name and amount - everything is as usual.

The system, of course, asked us for both the card details and the 3d Secure password. After entering all the data, the payment was successful - the system provided us with a receipt, 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 Mastercard systems, including the CIS countries. We simply indicate the sender's number, the service calculates the amount of 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 you are not a client, you can make an impressive list of transactions, then the bank certainly has a lot of interesting things in store for its customers. We look.

Main page and visibility settings

We liked the general structure of the Internet bank. The interface of the main page has become even more comfortable for perception. Here we found all our payments and cards.

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

Custom payment

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

A fixed fee of 1 BYN is charged for using the payment.

Translations

Transfers to the card of bank customers in the system can be made in two ways.

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

As soon as we indicate the number and press the "Continue" button, the system automatically determines 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 distinguished on the card. For clients, this becomes a headache, because it is not very convenient to independently calculate far from small amounts at times.

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

Payments and transfers by cards of other banks

Recall that another of the functions of the Internet bank is the ability to repay loans, overdrafts and even replenish deposits with cards from other banks. At the same time, no commission is charged for these services by the bank.

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

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

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

After opening the BPS-Sberbank deposit, they even gave us a “compliment” by giving us a discount in the stores of their partners.

And 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 from another bank. This turned out to be quite simple.

We fill out the questionnaire, indicate the amount, the number of the account to be replenished, and the rest of the fields, and then click the "Top up the deposit" button. After that, 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.

Application for a card

In the Sberbank Online system, the 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. Simply go to the "Transfers" section and follow the link "Currency exchange".

Next, select the cards for which we want to exchange currency. We indicate the transfer amount either in the currency of the debit card or in the currency of the credit card and indicate the amount of the transfer. And a little lower in the "Reference" section, we will see how much will be deducted from our card, taking into account the exchange rate at the moment.

Yandex money

Our attention was drawn to a useful and undoubtedly in-demand service in the Internet bank - the identification of the Yandex.Money wallet. By identifying the wallet, you confirm that it was opened by a real person 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 the identification will be completed soon, and after a while you will receive a notification that it is completed.

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

Summing up

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 site, by presenting the bank with an award for the best application for the VIP segment. According to an independent study of the international payment system Visa, the bank is also recognized as a leader in organizing digital sales channels for selected products.

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

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

For complete convenience, there is not enough opportunity 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, it would be interesting for the user 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 promptly and at any time.
• Ability to make payments within personal account both from BPS-Sberbank cards and other banks.
• Ability to view information on closed accounts and order a card for any account (including those without a valid card).
• Comfortable monitoring of overdraft funds.
• And of course, the exclusive Yandex.Money service.

OJSC BPS-Sberbank 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 became the Belarusian branch of the newly created Stroybank of the USSR and concentrated in its hands the financing of 90% of all capital investments republics.

In 1987, as a result of another banking reform, the bank became part of the Promstroybank of the USSR.

At the end of 1991, on the basis of the bank, a joint-stock commercial Belpromstroybank was created, which in 1992 becomes 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 become known as BPS-Sberbank OJSC.

Servicing the accounts of enterprises and entrepreneurs, the bank provides a variety of Banking services in the field of financing, lending, deposits and others. Among his clients are the largest enterprises of all industries. Belarusian economy. There are branches and subdivisions of the bank in all regions of Belarus.

BPS bank services

BPS-Sberbank offers a wide range of lending services. The following types of loans are provided:

• one-time loan;
• overdraft connection;
• providing a line of credit.

At the same time, credit rates are applied, the amount of which depends on market conditions, the type and term of the loan, and the solvency of the client.

To guarantee the repayment of the loan, the borrower uses insurance against the risk of non-repayment of the loan, guarantee deposits, pledges, guarantees, guarantees.

Investment and trade finance, factoring

One of the main activities of the bank, which is 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 increase 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 serve the foreign trade operations of Belarusian enterprises.

The Bank provides customers with factoring, concluding with them one-time or general (urgent) contracts. This service makes it possible for client enterprises to replenish their working capital and increase turnover by giving buyers a delay in paying for goods.

BPS bank guarantees

Thanks to its extensive experience and high reputation in international markets, the bank is able to provide a full range of services for providing 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 within the country.

Settlement and cash and electronic banking services

The Bank carries out high-quality management of settlement and cash operations, guaranteeing their highest speed and reliability. Clients thus receive additional conveniences. At flexible rates, the bank opens and maintains accounts, conducts all types of payments and transfers on them, and carries out cash transactions.

The Bank provides customers with constant communication with it through the system remote service BS client. The "Bank-client" subsystem 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 transactions and international payments

The use of such payment systems as SWIFT, TELEX allows the bank to make money transfers to the partner countries of the Republic of Belarus as quickly and efficiently as possible.

Through currency transactions The bank services the foreign economic activity of enterprises. In addition, the bank is entrusted with the task of currency control over operations.

Bank custody and collection services

The Bank collects and delivers cash or other valuables by special transport according to a convenient schedule.

To store documents and valuables of the enterprise and individuals can use bank safes.

Placement and preservation of free cash

BPS-Sberbank can offer the following options for placing and maintaining free funds:

• bank deposits (deposits);
• bank bills.

Deposits allow clients to store temporarily free funds and receive from this additional income. 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 optimal conditions for placing funds.

The impeccable reputation of BPS-Sberbank allows it to provide its customers with such a service as bills. These papers serve as an analogue of a deposit, with the only difference being that they are issued to the bearer and can be sold to a third party. The client has the opportunity to return his money, either by selling bills or using them as a means of payment.

Operations with securities, servicing depositories

The Bank, in the interests of customers, purchases and sells government and corporate securities, ensures the initial placement of securities on stock exchanges, registers transactions made by the client on securities, carries out settlements on them, based on the transactions concluded by the client.

In addition, the bank carries out depositary storage of securities acquired by the client.

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 a 93.27% stake in OJSC BPS-Bank 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, JSC "BPS-Sberbank" has determined a strategic line for maintaining progressive and dynamic development.

In order to strengthen the position on financial market, the bank will continue to consistently increase its own capital and resource base, ensuring comprehensive service clientele using international standards banking, available technical and financial resources, the possibilities of a branch network.

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