A special Internet banking service from BPS-Sberbank Belarus allows the user to remotely control their own accounts, as well as carry out various Bank operations without leaving your computer.
Advantages
Internet banking allows an ordinary bank client to experience a whole range of benefits of the service:
- there is no need to personally visit a bank branch, you can forget about many hours of 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;
- service allows you to Money transfers, pay public Utilities, communication, internet;
- in case of loss or theft of the card, it can be instantly blocked;
- Personal Area BPS Sberbank is reliably protected from fraudulent activities via the Internet using the SSL protocol;
- there is always the opportunity to use the online chat, which provides the user with the opportunity to quickly resolve an important issue for him at any time;
- making payments through a personal account, it is possible not only using BPS cards of Sberbank, but also cards of other banks;
- it is possible to order cards linked to any of the existing accounts;
- there is a convenient function for tracking overdraft finances;
- work with Yandex.Money is available (even the passage of wallet identification, which allows you to increase its limits, can be done through your personal account);
- there is access to information not only on 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 operations:
- payment for telephony, utilities, Internet access through the ERIP system, etc .;
- various payments to the accounts of individuals, as well as legal entities;
- money transfers between users of BPS Sberbank cards and accounts in other banks;
- depositing funds to repay loans;
- obtaining information regarding the balance and movement of finances on any of the available accounts;
- generation of bank statements;
- viewing reference data on exchange rates, whether there is a Sberbank nearby in Minsk, where ATMs are located and other information useful to a bank client.
In addition, the personal account will allow users to activate a number of the following banking services:
- SMS alerts, which Sberbank of Russia has been practicing for a long time, informing customers about what is happening with their accounts, which significantly increases security and guarantees the safety of accounts.
- "One-click payment" - allows you to make periodic payments in one click using a saved online form, greatly saving the user's time.
- "Automatic payment" - allows the bank to independently perform payment transactions without client instructions for certain transactions. The list of such payments is determined by the user independently and can be changed if desired.
- Providing additional payment security thanks to the Verified by Visa and MasterCard SecureCode feature, which allows you to conduct money transactions only with the help of confirmation one-time password, which the client receives via SMS on personal number phone.
Internet banking i.bps-sberbank.by allows you to perform various operations on deposits, including opening deposits and replenishing them, as well as transferring funds to metal accounts (this is a unique service of BPS-bank online).
It is also possible to maintain full control through internal system security of accounts and cards:
- changing the password for access to the personal account;
- implementation or cancellation of card blocking;
- selection of additional methods for confirming the operation being performed;
- viewing the log of authorization and statements on accounts and deposits;
- selection of services displayed by default on home page personal office.
A complete list of BPS-Sberbank branches is provided on the website
Service cost
A Sberbank card in Belarus allows you to use Internet banking services for free, however, the functionality is significantly limited. It is also possible to connect paid service, costing 7.5 rubles per year.
When choosing a free service, only the following services are available to the user:
- information and reference system;
- "Automatic payment";
- SMS alerts;
- security systems Verified by Visa and MasterCard SecureCode.
If the customer enters into a contract for comprehensive service 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, payment card holders get access. Most often, these are salary cards that are used to pay for the household needs of citizens.
Access to the service is opened to the card user after signing banking agreement in any of the offices. Registration is also allowed without a personal visit to a bank branch. To do this, you will need, as a client of the bank, to enter the bpsb.by website. It does not require the installation of any additional programs, just a computer with any installed modern browser.
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 register. The e-mail, mobile number and personal data of the client are entered into the registration form.
Registration in Internet banking
After pressing the "Continue" button, you will need to enter a username and password. The procedure ends with confirmation using a code automatically sent by the bank to the phone number indicated earlier. After confirmation, you can log in.
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. Next, from the proposed list, select the service for which you want to pay. After that, it remains only to follow the instructions of the system.
For example, payment health insurance is carried out as follows:
- you need to select a point of payment for health insurance;
- in the window that appears, set the type of payment. Let it be “Payment of the first part of the insurance premium”;
- further, a debit card is selected from which payment will be made and the name of the company with which the DSMR agreement is concluded is entered;
- the required amount and payer data are indicated, after which you need to click "next";
- after checking the correctness of the information entered, you can complete the operation by entering the confirmation code and pressing the payment button.
The generated check will appear in the window that appears. It can be printed, emailed, or saved to your computer in PDF format. Also, the completed transaction can be added to quick payments to simplify the subsequent payment.
BPS-Sberbank online is one of the types of remote banking services (RBS) from BPS-Sberbank OJSC in the Republic of Belarus. In terms of its functionality and organization of the service, BPS-Sberbank online is, with the storage of data on the bank's server, the entrance to your personal account for the operation, etc.
The main purpose of BPS-Sberbank online is to enable individuals to manage the funds of their own card accounts.
How to connect BPS-Sberbank online and what is required for this?
Any holder of an account with BPS-Sberbank OJSC can become a user of the BPS-Sberbank online service. Most often, the clients of the service are the owners payment card BPS-Sberbank. Usually they have salary card and use it for household payments.
To get access to the service, the cardholder must conclude an appropriate agreement with the bank in one of the branches of BPS-Sberbank OJSC. But registration is possible without a personal visit, through the website https://i.bps-sberbank.by.
To work with the BPS-Sberbank online service, you must have a computer and minimal skills in working with it. No special programs are required to receive the service. But the version of the Internet browser must be up-to-date for the current moment. For example - Internet Explorer is not "older" than the 9th release.
Functionality of BPS-Sberbank online
With the help of BPS-Sberbank online it is possible to:
Conduct financial operations:
- Payments in the system - utilities, communications, Internet, etc.;
- Other payments to individuals and legal entities;
- Transfer of funds from a BPS-Sberbank card to another card;
- Repayment of loans;
Get information about balances Money on the account, transactions, receipts and payments.
Generate bank statements.
View reference information (exchange rates, location of ATMs, etc.).
Activate some banking services:
- Notification by SMS about transactions with a card account;
- "One-click payment" - making periodic payments with one click according to the online form saved in the BPS-Sberbank service;
- "Automatic payment" - permission for the bank to make payments without a separate order from the client for a specific transaction. The list of such payments and their recipients is determined in advance by the client.
- "Verified by Visa and MasterCard SecureCode" - a way to provide additional security for payments by entering an additional, one-time password received via SMS.
Work with deposits:
- Open bank deposits and replenish them;
- Transfer funds to depersonalized metal accounts (exclusive BPS-Sberbank service).
Control the card account security system:
- Change the password for entering your personal account;
- Block and unblock bank card;
- Choose a method for additional confirmation of operations with passwords;
Control the visibility of certain services.
How much does the BPS-Sberbank online service cost?
You can use the BPS-Sberbank service online either free of charge or for 7.5 rubles (BYN) per year.
Choosing free service the client significantly limits their capabilities. He only has access to:
- Getting help information;
- Service "Automatic payment"";
- SMS notification;
- Verified by Visa and MasterCard SecureCode.
The last two points relate to the security system. Payment options are limited to automatic debiting. This option seems convenient only for periodic payments for utilities, etc.
Clients who have concluded an agreement on a comprehensive banking service get access to all the features of the service.
It seems obvious that 7 rubles 50 kopecks is an acceptable fee for freedom of payments and other transactions during the year.
You can learn more about the service from the employees of BPS-Sberbank OJSC or on the bank's website, section "Private Persons", subsection "Payment for services using remote channels", item "Sberbank Online". On the same page, on the right, you can find the contract form, instructions for working with the service and answers to some questions.
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Most large financial institutions provide their customers with the opportunity to perform transactions remotely through online banking. On the territory of Belarus, BPS Sberbank Online seems to be an extremely popular service that allows you to perform the operations most in demand among the clients of this bank.
What is BPS Sberbank Online
Online banking seems to be the main means for making transactions with accounts and cards remotely, which saves time and effort on visiting branches. At the same time, Internet banking BPS Sberbank Belarus is a local service, which in 2015 was transformed into a standard version of Sberbank Online.
Such a service has a number of advantages that have made it incredibly popular with customers of this bank. Among them:
- the possibility of remote payment for housing and communal services, communications, taxes;
- intuitive interface that even novice users can master;
- set up templates and auto payments;
- viewing the current exchange rate, balance of accounts and cards;
- search for the nearest terminals;
- the ability to remotely block the card, make transactions by the number of "plastic" or account.
Such broad functionality makes such a service extremely useful for consumers who have an open account with this bank.
BPS Sberbank offers remote service through internet banking
How to connect
One of the features of this service is the impossibility of its operation 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:
- Using the official website, find the nearest branch of this financial organization.
- Visit it, taking your passport, mobile phone with you.
- Contact the employee and express a desire to register in the Sberbank Online service.
- Fill out and sign an application for connection, indicating a valid phone number.
- Give the agreement to the employee and wait for 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 issued - a debit or credit card, savings account, deposit or otherwise. It should be remembered that the service is tied to one product even in cases where the user has several of them. At the same time, he will still retain the possibility of obtaining 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 and password from his personal account. Such a 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 login.
To register in Internet banking, you need to fill out a short form
Interface overview
After the user logs into his personal account, many functions become available to him. 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" contain information about all deposit products and accounts of the client, which he keeps in this organization. If desired, using this tab, you can open a new account, get a statement on existing deposits, and also deposit funds on them. When opening, the user will need to select the deposit program online, its term of placement, currency and amount of funds.
The "Maps" section contains comprehensive information on all open products of the client. The left part of the window contains information about the number, name and expiration date of the card, and the second - current balance, as well as available actions. The last point deserves special attention, since it can be used to rename the product, make it a settlement, configure the settings for SMS notifications about transactions, or block it altogether.
The category "Loans" contains information about all loans that the client has issued 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 are funds for bank card, the user will be able to make a monthly payment using the interface of this service.
Internet banking BPS of Sberbank allows you to remotely manage your cards, deposits, and also 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 for payment you need to perform only a few manipulations:
- Log in to your personal account.
- Go to the "Payments and transfers" section.
- Select the services you would like to pay for.
- Specify payment details.
- Confirm the intention to make a payment using the verification code from the SMS message.
- Receive an electronic receipt.
Such a check should be kept until the funds are successfully credited. In this way, you can pay not only for services, but also to carry out transactions of funds in favor of other users. To do this, instead of the service provider, you must specify the details of the recipient.
It is testing the Internet Banking service from various financial institutions. Today we will explore the possibilities of the service from BPS-Sberbank.
You can activate this service online. To do this, you will need a passport (you will need to enter an identification number).
Service home page
So, once on the start page of the Internet Banking system, you can find out the following information ...
…find out the location of the nearest bank branch…
As well as…
- see bank news
- transfer money from a card to a BPS-Sberbank card (or - to MasterCard cards any bank). The main thing is that the 3D-Secure service is connected to the card
Let's finish our acquaintance with the start page and go to the application to get acquainted with it and its capabilities. The main page looks like this...
- "Fast Payments"
- "Bank News"
- "Currency rates"
- "Card Information"
- "Personal menu"
- Main menu systems
To begin, consider "Personal menu"
For any transaction, you can view the receipt, print it and save it, or send it by mail.
"Payment Management". At this point, you can edit your quick payments, both signed and last paid.
"Automatic payment". We will not dwell on auto-payment, but we note that this service in BPS-Sberbank is paid.
When you click on the card, actions appear in front of you that you can perform.
Also on the main page is a block "Help", in which you can find out the bank's tariffs, and read the user manual.
Let's move on to the main menu of the system. It includes the following sections:
- Payments and transfers
- Cards
- Deposits and accounts
- Credits
- Closed accounts
In the same section, you can find a filter for the list of the required payment.
Section "Maps" we discussed above, so we will not repeat ourselves and go further.
"Deposits and Accounts"- in this paragraph, you can open a new deposit and follow existing ones ...
"Closed Accounts". This section contains all accounts closed less than 6 months ago, for which you can see the full statement.
We have compiled a list of transactions (if any) that are considered when testing the Internet Banking service:
- Create an auto payment
- Availability of payment history
- Free payment
- One button payment
- Transfer from card to card
- Opening a deposit
- Credit application
- Contact with the bank
Create an auto payment
You can create auto payments in the Interner-Bank system. To do this, go to the "Automatic payment" section, select the desired payment and draw up a schedule.
Availability of payment history
Payment history can be viewed in the section "Operations history". Each check can be viewed in detail, downloaded, printed and sent by mail.
Free payment
The system has the ability to make an "Arbitrary payment", but the bank will charge a commission for its implementation.
Create a list of your payments
To create a list of your payments, you need to add it to "Fast Payments". After making any payment, you need to click the button "Add to Signed Payments", or "Last Paid".
One button payment
In chapter "Payments and transfers" have a service One button payment.
Transfer from card to card
You can make a transfer both to your card, and to the card of another BPS-Sberbank card holder, or even to the card of another financial institution. Both cards must be a payment systemmaster card!
When transferring to another client of the bank, you need to know the details of the recipient's card.
When transferring to a card of another bank, you need to specify the card details:
- from which payment is made
- to which the funds will be credited
Feedback from the bank
You can contact the bank as follows:
General impression
The Internet banking system from BPS-Sberbank has a huge functionality of possibilities. True, there is also an incomprehensible section - “History of statements”. We ourselves did not figure out what should be indicated there, so we had to call the bank.
By the way, the bank takes a commission for many payments - it turns out that this is not such a free service.
To summarize:
Connection
- Connection occurs via the Internet - 2 points
- Connection is carried out as soon as you register - 2 points
- You can use the service immediately - 3 points
Convenience
- You need a username and password to enter - 2 points
- To pay for mobile, Internet provider services and communal services, you need to make 3 transitions - 1 point
- There is quick access to frequently used functions (fast payments, last paid) - 2 points
- Session passwords come via SMS - 2 points
- Limits cannot be managed - 0 points
- The balance is available on the main page - 2 points
- You can change the password in the system - 3 points
Payments
- You can create auto payments - 2 points
- There is a payment history. There is a search for payments - 2 points
- There is a function "Arbitrary payment" - 3 points
- You can create "Quick Payments" and rename existing ones - 2 points
- Payment is made in real time - 5 points
- There is a function "Payment with one button" - 1 point
Translations
- You can make transfers to your bank cards - 2 points
- Data required for transfer - card number and card validity period - 3 points
- Speed of transfers - within an hour - 2 points
Deposits
- You can open a deposit in the Internet bank - 1 point
- Deposits can be topped up in the Internet bank – 1 point
- In Internet banking, you can transfer a deposit to a card - 1 point
Credits
- You can not leave an online application for a loan - 0 points
- To obtain a loan, you must contact the bank branch to draw up and sign documents - 0 points
- You can repay loans through the Internet bank - 1 point
Additional features
- There is no online application for reissuing a card - 0 points
- You can block the card online - 2 points
- You can connect SMS - alerts - 3 points
- Checks are kept. They can be downloaded, printed, forwarded - 2 points
- When working with the card, the location of the bank branch and the mode of operation are indicated - 2 points
- You can not order a card online - 0 points
- You can enable and disable 3-D Secure - 3 points
- There is information about exchange rates, branches and ATMs - 2 points
Feedback
- 5 communication channels are provided for communication with the bank - 5 points
- Waiting time for a response to a general question - 56 seconds - 5 points
- Waiting time for a technical question - 56 seconds - 5 points
Mistakes
- There were no errors - 5 points
Personal opinion
- Overall impression of use - 4.5 points
The result of testing the Internet banking system from BPS-Sberbank is 83.5 points out of 100 possible
| Evaluation Criteria for Internet Banking | ||||
| connection | ease of connection (accessibility) | 1. 2/1 | max 7 | |
| 1. online, offline | ||||
| 2. immediately or after a while | 2. 2/1 | |||
| 3. after how long you can use the service | 3. up to 20 min - 3 | |||
| up to 40 min - 2 | ||||
| up to an hour - 1 | ||||
| more than an hour - 0 | ||||
| convenience | 1. authorization mechanism | 1. 2/1 | max 16 | |
| (login and password are enough to enter or something else is needed) | ||||
| 2. convenient navigation, the number of transitions to complete the operation: | 2. 1 transition - 3 | |||
| - pay mobile | 2 transitions - 2 | |||
| - pay utility bill + electricity | 3 transitions - 1 | |||
| - pay internet | over 30 | |||
| 3. availability of quick access to frequently used functions | 3. 2/0 | |||
| 4. session passwords (cards, sms) | 4. sms - 2 | |||
| cards - 0 | ||||
| 5. ability to manage limits | 5. yes/no 2/1 | |||
| 6. balance on the main | 6. yes/no 2/1 | |||
| 7. convenience of changing, password recovery | 7. online -3 points, go to the bank (ATM) - 0 points | |||
| Functionality | payments | 1. the ability to create an auto payment | 1. any payment without restrictions - 2 | max 15 |
| there are restrictions - 1 | ||||
| no such function - 0 | ||||
| 2. availability of payment history | 2. history search + time period setting + visualization - 2 | |||
| 3. Availability of free payment function | 3. 3/0 | |||
| 4. the ability to create a list of your payments, rename (templates) | 4. the ability to create a list of your payments (1), the ability to rename (1) | |||
| 5. real-time payment progress | 5. plus 5 if delay then 0 | |||
| 6.one button payments | 6. 1/0 | |||
| translations | 1. to your bank card | 1. 2/0 | max 9 | |
| 2. data required for the transfer | 2. card number - 5, card numbers and validity period - 3, everything else - 0 | |||
| 3. translation speed (time) | 3. within hours - 2 | |||
| during the day - 1 | ||||
| next day - 0 | ||||
| deposits | 1. the possibility of opening a deposit | 1. 1/0 | max 3 | |
| 2. replenishment of the existing deposit | 2. 1/0 | |||
| 3. possibility of transfer to the card | 3. 1/0 | |||
| loans | 1. online application | 1. 1/0 | max 7 | |
| 2. online receipt | 2. 5/0 | |||
| 3. loan repayment | 3. 1/0 | |||
| additional features | 1.online - application for card reissue | 1. 2/0 | max 18 | |
| 2. online card blocking | 2. 2/0 | |||
| 3. Ability to enable/disable SMS alerts | 3. 3/0 | |||
| 4. confirmation of payment (checks) (stored + can be printed / sent to the post office) | 4. there are checks (1), can be sent to the post office (2) | |||
| 5. work with the map | 5. search for the nearest branches (ATMs / POS) + detailed information on them + the ability to build a route - 3 | |||
| 6. online card order | 6. 1/0 | |||
| 7.Connection to 3-D Secure technology | 7. 3/0 | |||
| 8. Information (courses, branches, ATMs) | 8. 2/0 | |||
| Feedback | 1. communication with the bank (channels) | 1. 1 point per channel (maximum 5 points) | max 15 | |
| 2. communication with the bank (response time): general question | 2. up to 5 minutes -5 points | |||
| up to 30 minutes - 3 points | ||||
| over - 0 points | ||||
| 3. communication with the bank (response time): technical issue | 3. up to 5 minutes -5 points up to 30 minutes - 3 points over - 0 points | |||
| number of mistakes | 1. number of errors | 1. 0 errors - 5, 1 error - 3, more than 1 error - 0 | max 5 | |
| personal opinion | 1. general impression | 1. maximum 5 | max 5 | |
| Maximum Points | max 100 | |||