Personal Cabinet in Internet banking BPS Sberbank. Reviews

OJSC "BPS-Sberbank", formed in 1923, is one of the oldest and largest banks of the Republic of Belarus.

Guide

Matyushevsky Vasily Stanislavovich - Chairman of the Board.

Holding

OJSC "BPS-Sberbank" is the head organization of the banking holding.

History

In 1928, the Bank was reorganized into a bank long-term lending industry and electroactivity.

In 1932, as a result of the reform of the credit system, a bank financing the capital construction of the industry, transport and communication of the USSR is formed. The Belarusian office of the bank in the 1930s expanded the scale of activity, opened the Gomel and Mogilev branch and carried out the financing of more than 700 buildings in 73 districts of the republic.

In 1941, due to the temporary occupation of the territory of the Republic, the Bank was suspended. In difficult post-war years, the Bank has renewed its activities in a short time and ensured the task of the effective use of funds allocated for the restoration of the national economy.

In 1959, the All-Union Bank for Financing Capital Investments - Stroybank of the USSR is formed. In the Belarusian office of Stroybank, financing the construction and reconstruction of industrial enterprises, construction industry facilities, transport, communications, housing and socio-cultural purposes (90% of capital investments carried out in the republic) and short-term lending to contract construction organizations were concentrated.

In the process of reforming a banking system conducted in 1987, an industrial and construction bank of the USSR was formed. The structural division of Promstroybank in Belarus began to carry out a full range of banking operations and services related not only to the investment, but also the production and supply and sales activities of enterprises and organizations.

In September 1991, a joint-stock commercial BelPromStrabank was established, and in March 1992, the meeting of the founders decided on an open subscription to the Bank's shares and after its completion he became a joint-stock company openly. Following the charter and approved by the shareholders of the Strategy, in the 1990s, Belpromstroybank made a significant contribution to solving the tasks of reforming the national economy and financial stabilization of enterprises.

In October 1999, the Bank was renamed Open Joint-Stock Company Belpromstroybank.

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

In March 2011, the Bank was renamed Open Joint-Stock Company BPS-Bank.

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

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 the capital construction and industry of the USSR.

In 1959, the Bank becomes the Belarusian branch of the United States of the USSR established and focusing in his hands financing 90% of all capital investments of the 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.

Serving the accounts of enterprises and entrepreneurs, the Bank provides a variety of 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 enterprises-clients at the expense of the bank to replenish their working capital and increase trade, 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 operations conducted within the country.

Cash and electronic banking services

The bank carries out a qualitative maintenance and 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 such payment systems such as SWIFT, Telex allows the bank as quickly and effectively to carry out money transfers to countries - partners of the Republic of Belarus.

Through currency transactions, the Bank serves foreign economic activity of 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 purchase and sale of government and corporate securities, provides the primary placement of securities on stock exchanges, registers the transactions made by the client on securities, conducts calculations 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.

The use of banking services has become an integral part of the life of a modern person. For the convenience of customers, banks are constantly developing deleted services. One of these resources is the proposed BPS Sberbank online banking online. With the help of the service, users can conduct regular payments without visiting the financial institution office, monitor cash balances and translate money to other individuals.

Entrance to the BPS Sberbank Online

Click to go to your personal account

Registration in BPS Sberbank

The start of using a resource from BPS Sberbank is available to customers who are cardholders, borrowers or bank depositors. Go through the procedure directly on authorization page in the system BPS-Sberbank online.

The login page with the transition to registration

Step-by-step registration on the resource looks like this:

You must also specify an email address, a letter to it with the instruction for subsequent work in the system.

In case of proper passage of the registration procedure, the client is automatically translated to the main page of the Sberbank shell online.

Login and password cannot consist only of letters or only from numbers, it is necessary to use a combination of such characters. Username from 6 to 20, code from 8 characters.

How to log in Internet banking BPS Sberbank

Entrance to Sberbank online is carried out from the first page of the resource. The client needs to enter a login and password assigned when filling out the registration form on the site.

You can also use the user to use the demo mode of the resource for familiarization with the capabilities of the service prior to the start of its full use.

Access to Sberbank Online and its uninterrupted work is possible using browsers:

Internet Explorer 32 and 64bit
Opera.
Google Chrome from V.45
Mozila Firefox.

How much is online banking

Using the functionality of the Personal Cabinet Sberbank Online is provided to customers of a fellow institution on a fee basis. The cost of services is established by the company's current tariffs.

Table 1. Tariffs for BPS Sberbank online

Use of cards through a bank online
Carrying autoplates in favor of organizations			0.05 BYN.	For each wiring
Getting mini statements on a card account		BYN.	0.5	Information is provided for 7 days, with the display of the last 10 payments
		USD.	0.25
		EUR	0.2
		RUB.	15
List from maps cards:	Other plastic holders from BSP Sberbank		2 BYN.	Listed in Belarusian rubles
	Other issuers in the Republic of Belarus		1.5% of the amount (2 BYN / 1 USD / 1 EUR / 60 RUB)
	Cards of other banks			Permissible for cards served with the help of an international processing center. Write-off occurs in the card account currency
Swift Translations from Maps	U.S. dollar		15 USD / EUR	Sending is possible to accounts for individuals and legal entities.
	Euro
Urgent translations from BPS-Sberbank cards for funds in the Sberbank group			1.5% min. 30 rubles. Max. 1000 rub.	Russian ruble is performed in currency

Functionality BPS Sberbank

Functions of the main screen

Home Screen Personal Cabinet BPS Sberbank Online

Directly from the page, the client can replenish the mobile phone, go to the section with currency courses, the news of the bank and geolocation ATM and the institution branches, and also use the "Personal Menu".

In the "Personal Menu" field available:

the history of the operations;
payment settings, including automatic;
finance control;
management of program settings;
creating and viewing status of statements aimed at the Bank;
section with shares from organization and games.

On open cards, a number of operations can be carried out directly from the main screen, including:

establishing plastic status;
translation between your own accounts;
extract and the history of payments;
sending translations and installing autoplate;
sMS Alert Settings, Connection / Disable 3-D Secure.

Card operations on the main Sberbank screen online

Also, from the main partition, the upper line with the access buttons, the client can go to the desired functional menu of the system.

Payments and translations

The payment and translations section are provided for the payment of services of the BPS Sberbank and the provision of the customer with the opportunity to carry out transfer from their accounts into the following directions:

repayment of overdraft or loan, using plastic issued by another financial institution;
translation from the Sberbank card to another bank;
deposit replenishment using third-party plastic;
payment of utilities and other payments from other banks;
translations for cards and current accounts of individuals and organizations, both in Sberbank and beyond.

In the payment menu, the User will be able to pay not only Sberbank services, but also use the "Calculation" system, perform in charge of one click, replenish the mobile phone, Internet, make money for rent or utilities.

Payments and translations with limited functionality

Cards

In the "Maps" section, the client is provided with the opportunity to order debit plastic from the Sberbank, seek advice from the company's employees or order a certificate of money on their accounts. Also from the page, as well as from the main one, the user can perform any actions with already open cards.

Section "Cards" of the Bank online

Deposits and invoices

The "Deposits and Account" page allows the client to manage its savings accounts. Among the available features:

view residues;
when you go to the desired account, the user can form an extract for the period you need;
display of account details and conditions on which it is served in a bank, including with an indication of interest rates;
opening a new deposit.

The user can also book a call from the bank for information on its open accounts or the new product of the institution.

Section "Deposits and Accounts"

Loans

Credit Program Page makes it possible to monitor the state of current obligations to the bank in terms of mandatory monthly payments, details for repayment, information about the available Limit on renewable lines and overdrafts.

Loans section in the Personal Account

Closed invoices

The closed accounts section allows the client to receive archival information about those of its accounts that were closed no more than 6 months ago. Get more obsolete information is possible only with the personal contact of the BPS-Sberbank branch in the Republic of Belarus.

Section "Closed Accounts"

Other

The "Other" menu provides the user with the ability to go to one of the additional sections of Sberbank online personal account:

identification of the wallet on the Yandex.Money website with the use of special tariffs;
point "Insurance".

Wallet Identification

In the "Insurance" section, the client may issue a voluntary insurance policy from accidents, see the terms of the products offered in the bank's departments, as well as receive information on already acting policies.

Page with insurance programs

How to pay utility services

Through the Personal Cabinet Sberbank Online Customer can pay regular payments without spending time and extra efforts, including utility. To make the rent go to pay consumed services enough:

Go to the "Payments" section.
In the tree, choose the desired operation.
Decide which card will be made payment.
Make your personal account and the amount of payment.
Confirm payment.

For convenience of paying at the same time multiple transactions, it is enough to use the payment "Payment by one button", and choose the necessary directions there.

Frequently sent widths can be added to favorites for easy use, but not to forget about utility bills. The user can configure automatic payment of payments.

Personal Cabinet from BPS Sberbank allows bank customers, individuals, significantly save time on visiting departments. Through the resource, you can solve more financial tasks and use all modern banking services. To join the Internet banking, it is enough to be a holder of a plastic map of the institution and go through an easy registration procedure.

Internet banking BPS Sberbank is a special service that gives you the ability to monitor your account and conduct various banking operations.

What is the advantage of Internet banking BPS Sberbank?

This service has a number of indisputable benefits:

there is no need to apply a personal visit to the banking department and expose queues for most operations, the main thing, to provide access to the Internet. Branches are not always close to the house, so the service considerably saves time;
through this service, you can transfer money, paying for a communal, including water, light, links, Internet, etc.;
you can instantly block the card at the loss or theft;
personal account is securely protected from the SSL online fraudsters.

How to connect the service?

To connect Internet banking, you need to contact the nearest branch of the bank. With me you need to have a passport. An employee of the department will prompt you to write an application for connecting the service. Further actions:

meet the contract for connecting the service, if everything suits, and there is no doubt, put your signature under it;
an employee of the bank gives you a login and password to log in;
if you need to install the means of crypto protection, you will need to contact the Digital Certificate Certificate Certificatory Center.

How to pay services through bps-banking?

To pay services via BPS Banking, you need to go to your personal account, in the horizontal menu, select the "Payments and Translations" section, from the proposed list, select the service for which you want to pay. Let us give an example for visibility:

choose "Medical Insurance";
in a new window, choose the type of payment, let's say "payment of the first part of the insurance premium";
now you need to choose a card with which payment will be removed, and to introduce a brief name of the organization that has concluded the DSMR contract;
drive the necessary amount in the payer name, click "Next";
check the correctness of the entered data, enter an additional password and click "Pay".

The new window is formed a card check, which can be printed, send to email or save in PDF format. If you wish, this payment can be added to the "Quick Payments" section by pressing the corresponding button.

Registration of personal cabinet

To register your personal account, you need to go through the BPS-Sberbank.by address and in the horizontal toolbar press the edge of the Sberbank-online tab. In a new window in the side menu, choose the "Registration" section. In the registration form, make an email address, a mobile phone, full name and press the "Continue" button.

BPS Sberbank Online is one of the types of remote banking services (DBO) from BPS Sberbank OJSC in the Republic of Belarus. In terms of its functionality and organization of services, BPS Sberbank online is, with the storage of data on the bank server, the entrance to the personal account for the operation, etc.

The main purpose of the BPS Sberbank Online is to enable individuals to manage your own card accounts.

How to connect BPS Sberbank online and what is required for this?

Become a user of the BPS Sberbank Service Online can any account of the account in OJSC BPS Sberbank. Most often by the service client, the owners of the BPS Sberbank payment card are becoming. Usually they have a salary card and enjoy it for household payments.

To access the service, the owner of the card must conclude a corresponding contract with the bank In one of the branches of OJSC BPS Sberbank. But it is possible to register without a personal visit, through the site https://i.bps-sberbank.by.

To work with the BPS Sberbank service, it is necessary to have a computer and minimal skills to work with it. Special programs for obtaining services are not required. But the version of the Internet browser must be relevant for the current moment. For example, Internet Explorer is not "older" of the 9th issue.

Functionality BPS-Sberbank Online

With the help of BPS-Sberbank online possible:

Financial operations:

Payments in the system - utilities, communication, Internet, etc.;
Other payments to the address of individuals and legal entities;
Transfer of funds from the BPS Sberbank card to another card;
Repayment of loans;

Receive information about cash balances on the account, operations, receipts and payments.

Form bank statements.

Browse reference information (currency rates, the location of ATMs, etc.).

Activate some banking services:

Alert for SMS to conduct operations with a card account;
"Payment by one button" - committing one click of periodic payments as stored in the BPS Sberbank service online form;
"Automatic payment" - permission to make payments without a separate assignment of the client to a specific transaction. The list of such payments and their recipients is predetermined by the client.
"Verified by Visa and MasterCard SecureCode" is a way to ensure additional security of payments input of additional, disposable, obtained by SMS password.

Work with deposits:

Open bank deposits and replenish them;
Translate funds for impersonal metal accounts (exclusive BPS Sberbank service).

Control the security card security system:

Change password entry into the personal account;
Block and remove blocking from a bank card;
Choose the method of additional confirmation of operations by passwords;

Adjust the visibility of certain services.

How much is the BPS-Sberbank service?

You can use the BPS Sberbank service online or free or for 7.5 rubles (BYN) per year.

When choosing free service, the client significantly limits its capabilities. It turns out only:

Obtaining reference information;
"Automatic payment" service ";
SMS alert;
Verified by Visa and Mastercard Securecode.

The last two points refer to the security system. Payment options are limited to automatic write-off of funds. This option seems convenient only for periodic payments for utilities, etc.

Customers who have entered into an agreement on comprehensive banking services get access to all the possibilities of the service.

It seems obvious that 7 rubles 50 kopecks acceptable fee for freedom of payments and other operations during the year.

You can learn more about the service of OJSC BPS Sberbank or on the Bank's website, the section "individuals", subsection "Payment for services using remote channels", Item "Sberbank online". On the same page, on the right, you can find the form of the contract, instructions for working with the service and answers to some questions.

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