Bps internet banking home page. How to pay for utilities via Internet banking (BPS-Sberbank)

Hello friends. I decided to devote today's topic to the possibilities of Internet banking.

Internet banking Is a tool that allows you to carry out non-cash payments through your personal account.

A prerequisite for connecting Internet banking is the presence of the Internet, and a device with which you can enter your virtual bank (computer, smartphone, tablet, etc.)

The main advantages of internet banking are:

Balance check anytime, anywhere.
Instant payment of personal bills. (Payment, utilities, mobile communications, Internet and much more.)
Transfer of funds from card to card without leaving home or in a place convenient for you.
Payment of loans.
Connection of additional services (SMS - banking and SMS notification, TV banking) without going to the bank.
There is no need to go to the bank or ATM and stand in lines to complete the above operations.

How to connect internet banking?

To connect to Internet banking, you just need to contact your bank with a passport.

After visiting the bank, you need to go to the bank's website and register.

registration on the site

We go to the site http://www.bps-sberbank.by
In the right corner, click the Internet banking button
In the window that opens at the top right, select register.
Next, enter your personal passport number, come up with and enter your username and password
After entering the credentials (login, password and passport number), click continue. The system must authorize and register you.
Go to the main page of the site, click on the Internet banking button in the right corner and enter your username and password. Click to enter. We go to the main page of our virtual bank.
After we have entered the main page of our "personal bank", we need to activate our card (s) so that we can first pay for Internet banking services, and then for making payment transactions. I already have one main card activated. For example, I will activate one more card with the initial card number 41 and the final 41. To activate the card, go to the action with cards tab.
All your cards will be displayed in this tab. At the moment I already have one card active. Now I will show, using the example of the second card, how it can be activated. To activate the card, select the card we need (by clicking on it) and press the activate button.
Next, an electronic application form for card activation will open. Here we click to continue.
In the next window, your details will open, which you will need to confirm by entering the session key. Session Keys issued by a bank employee upon activation of the service.
After entering the session key, we press the button send to the bank and after a while the card should become active. After 3-5 minutes, go to the main page tab and make sure that our card is active.

As you can see from the picture, our map has become active.
Next, we need to pay for Internet banking services. Go to the Internet banking tab.

Here the system offers us two payment options: for 6 months and for 12. We choose the option that suits you best and click on it. Next, we follow the prompts of the system.
After paying for Internet banking services, we can proceed to other payment transactions.

Payment of utility services

Most of us pay monthly utilities according to the following formula Water + Light + Gas + Housing + Telephone + Internet = A certain amount. Here we will look at how you can pay for all these services through Internet banking. I will show on the example of the city of Baranovichi.

To pay for utilities you need:

1. Click on the tab Payments - payment for services.

2. Open the tab System "Settlement" (ERIP)
3. (a.) Payment for the phone, Internet, ZALA is made by selecting the Beltelecom tab in the menu (click). Next, in the list that opens, we need to select your place of residence. I have the city of Baranovichi, so I choose the line Brest and Brest region.

Further, depending on what we need to pay, select the desired line. If we pay for the Internet or ZALA, then the system will ask you to enter the contract number and the amount of payment. If we pay for the phone, you will be asked to enter the phone number. Next, the payment amount should appear. If it is absent, then the phone has already been paid for or the bases have not been formed yet. Therefore, I recommend making payments after the 15th.

3. (b) Payment of the rest of payments (gas, water, electricity, housing and communal services) is made by choosing your location (place of residence) from the main list. For Baranovichi it looks like this: Brest region - Baranovichi - Utility bills.

Next, open the tab communal paymentsConsider payment for housing services. To do this, open the HREU tab
Next, go to the Housing and utilities tab

Here we enter our personal account. The personal account can be viewed on the receipt paid at the bank or by mail. Click to continue.

If the personal account is correct, the additional information should display the city, address of residence, your last name, first name, patronymic, as well as the amount that must be paid. Click continue. Next, you will need to confirm the entered data and the payment process can be considered complete, you can proceed to pay the following invoices.

Attention

A special internet banking service from BPS-Sberbank Belarus allows the user to remotely control their own accounts, as well as carry out various banking operations without leaving the 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 on open, but also on 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.
Providing additional payment security thanks to the Verified by Visa and MasterCard SecureCode function, which allows carrying out monetary transactions only by confirming with a one-time password, which the client receives via SMS to his personal phone number.

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 the internal security system 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. It is also allowed to connect a paid service, which costs 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 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 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 the conclusion of a 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. In this case, no additional programs are required to be installed, 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, the payment for 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 made it possible to receive the title of the most innovative bank for the “Bank of the Year” award in Belarus.

Sberbank online has become a really convenient system for helping clients in carrying out financial transactions and providing related services, allowing them to quickly and safely conduct transactions with their accounts and cards.

Internet banking BPS-Sberbank is a special service that makes it possible to remotely control your account and conduct various banking operations.

What is the advantage of Internet banking BPS-Sberbank?

This service has a number of undeniable advantages:

there is no need to pay a personal visit to a bank branch and stand in lines for most transactions, the main thing is to provide access to the Internet. Branches are not always close to home, so the service saves time;
through this service you can transfer money, pay for communal services, including water, electricity, communications, the Internet, etc .;
you can instantly block the card if it is lost or stolen;
your personal account is reliably protected from online fraudsters by the SSL protocol.

How to connect the service?

To connect Internet banking, you need to contact the nearest bank branch. You need to have your passport with you. An employee of the department will offer you to write an application for connecting the service. Your further actions:

get acquainted with the contract for connecting the service, if everything suits you, and there is no doubt, put your signature under it;
a bank employee gives you a username and password to enter the system;
if you need to install crypto protection means, you will need to contact the Certification Center for Digital Certificates at the bank.

How to pay for services through BPS-Banking?

To pay for services through BPS Banking, you need to enter your personal account, select the Payments and Transfers section in the horizontal menu, select the service for which you need to pay from the list offered. Let's give an example for clarity:

choose "Health Insurance";
in a new window, select the type of payment, for example, "Payment of the first part of the insurance premium";
now you need to select the card from which the payment will be charged, and enter the short name of the organization that entered into the DSMR agreement;
enter the required amount in the name of the payer, click "Next";
check the correctness of the entered data, enter an additional password and click "Pay".

In a new window, a card check is formed, which can be printed, sent by e-mail or saved in PDF format. If desired, this payment can be added to the "Fast Payments" section by clicking the appropriate button.

Personal account registration

To register a personal account, you need to go to the address bps-sberbank.by and in the horizontal toolbar, click the extreme tab "Sberbank-online". In the new window, in the side menu, select the "Registration" section. Enter your e-mail address, mobile phone, full name in the registration form and press the "Continue" button.

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 a mobile phone, which received an SMS code for confirmation.

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

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

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" Is certainly 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 the 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 transfers are the strength of the bank. Literally any transfer options are available to you: by phone number, by card number, between cards of other banks, and even transfers in 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 registered earlier, for example, a deposit or a card account.

Personal opinion of the correspondent

In addition to the main functions, you can find many interesting possibilities in Internet Banking, 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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Evaluation Criteria for Internet Banking					BPS-Sberbank
connection		ease of connection (availability) online (immediately after registration)	5/0	max 12	5
		authorization mechanism (login or password is enough to enter, or you need something else)	2/1		2
		data recovery in case of loss of username and password (without visiting the bank)	5/0		5
convenience		is there any balance information on the first page?	5/0	max 47	5
		is it possible to display fast payments on the first page	3/0		3
		quick access to frequently used functions	2/0		2
		session passwords (sms / cards)	2 / 0		2
		enable / disable 3D Secure	yes / no 5/0		5
		connecting / disconnecting SMS - informing	yes / no 5/0		5
		the ability to manage limits	yes / no 5/0		5
		is there any information on tariffs and commissions on the card	yes / no 5/0		5
		list of card transactions in the "day to day" mode	5/0		5
		the ability to change the PIN	10/0		0
Functionality	payments	the ability to create an auto payment	1/0	max 42	1
		the ability to create a list of your payments	3/0		3
		free payment function	5/0		5
		the ability to rename your payments (templates)	2/0		2
		are there any checks	1/0		1
		you can print / forward checks	1/0		1
		you can make a repeated payment from the check	2/0		2
	translations	to your bank card (without ERIP)	2/0		2
		to the card of any bank in Belarus (without ERIP)	5/0		5
		to a foreign bank card	3/0		3
	personal financial manager service	yes / no	5/0		5
	deposits	yes / no	5/0		5
	credits	online application	1/0		0
		online receipt	5/0		0
		loan repayment	1/0		1
additional features		online application for card reissue	2/0	from 12	0
		online application for an additional card	2/0		2
		search for ATMs and branches (yes / no)	5/0		5
		bank exchange rates	3/0		3
		plus 2 points for each additional opportunity	insurance (+2 points), payroll (+2 points)		4
Feedback		is there a bank phone (yes / no)	2/0	max 12	2
Feedback		there is online - support in real time, chat (yes / no)	10/0	max 12	10
personal opinion		general impression	no points
Maximum points				125	111

Open Joint Stock Company BPS Sberbank is the oldest and one of the largest banks in the Republic of Belarus today. It was formed on the basis of the former Belpromstroybank, which in 2009 was acquired by the Russian Sberbank. In 2011, the company underwent a rebranding and now fully complies with the style and concept of Sberbank.

Today the services offered by BPS-Sberbank are extremely wide. Customers can serve salary and deposit accounts here, pay off loans, arrange mortgages and car loans, pay for services, buy and sell foreign currency, and much more. The easiest way to learn more about everything related to the bank is by visiting its website www.bps-sberbank.by.

BPS-Sberbank for private clients

All services and opportunities that have been developed by BPS-Sberbank for individual clients, individuals, are located on the "Private Clients" tab of the main menu of the site. Having entered the first page, the visitor immediately sees interesting offers posted on a mobile banner, as well as other popular services: online payments and deposits, credit cards, automatic payment, and so on. By clicking on the desired one, the user will quickly go to the section he needs, bypassing the confusing menu.

By the way, the menu itself is located at the top of the BPS Sberbank website page and contains sections:

take a loan - lending for various needs;
choose a card - information on credit cards and their design;
accumulate and save - calculator of deposits, conditions of their registration for different currencies;
earn and invest - investments in funds, bonds, precious stones and metals;
pay and transfer - money transfers, online banking, auto pay;
insure yourself and your property - insurance, rental of safes.

This menu is duplicated at the bottom of the Sberbank BPS page, in the “All products and services of the bank” block, but in a more visual form. Menu links lead to service pages, where you can learn more about them, apply for registration or order.

The most popular services of BPS-Sberbank are lending, issuing cards and deposits, as well as making ruble or foreign currency transfers.

Lending to individuals

Lending on the Sberbank BPS website

Card design

Bank customers can order a card for a loan online, and come to the branch only to pick it up. The offer is very wide:

salary cards;
personal cards Visa, MasterCard, Maestro;
credit cards;
pension cards;
partner cards (give bonuses when paying).

On the official website of BPS, Sberbank posted information about the conditions for providing the card: how it is serviced, how much it costs, is there a credit limit and which one, bonuses, and so on.

Bank deposits

Take a deposit

BPS-Sberbank offers to place money with them on short-term and long-term deposits at a favorable interest rate. You can make a deposit in Belarusian rubles and other currencies, at a bank branch and online, by submitting an application on the BPS Sberbank website. There is also a deposit calculator here.

Payment for services and money transfers

Payment for services

Bank clients often have questions about how, where and under what conditions they can transfer money. BPS-Sberbank sends money throughout the country, as well as abroad to the countries of the CIS and Europe. Conditions, commission can be viewed on its official website in the appropriate section. It also contains detailed information about online services, Internet clients and bank applications.

BPS-Sberbank for entrepreneurs

The Main Bank of the Republic of Bashkortostan offers its commercial clients beneficial service and great opportunities. Large and small entrepreneurs, as well as their financiers and accountants, can read about this in detail on the tabs “Small and Medium Business” and “Corporate Business” on the official website of the institution.

Small and medium businesses

Their local menu contains information about lending to legal entities, investing, servicing businesses (accounts, settlements, transfers, salary projects, taxes), insurance, and more.

The sections with loans and services have always been the most in demand.

Lending to legal entities

Take a loan

The bank provides lending services in various volumes and for any purpose: launch, expansion, business support, investments. In addition, through BPS-Sberbank, you can issue shares and bonds, as well as get advice on financial issues.

Calculations for business

Make calculations

All entrepreneurs know how many papers they have to fill out every day and how often they need to contact the bank. Proceeds are brought here, salary projects are drawn up here, settlements with contractors are made, taxes and utility bills are paid here. BPS-Sberbank has simplified some of them, and now the entrepreneur can order most of the services online or by phone. The most popular business services are:

opening and servicing company accounts;
salary projects;
settlement and cash services;
collection;
service of foreign economic activity.

Mobile Apps and Remote Service

In the age of information technology, online and mobile services are especially popular among bank customers. For example, almost everyone uses Internet banking today, and a mobile client is installed on every second smartphone.

Corporate clients and firms order remote services, as well as conduct their financial activities using mobile and Internet clients, information systems and services of the bank.

With the help of online services, customers can manage their account, view the balance on it, make payments in favor of other individuals and legal entities, transfer money to the card of this or another bank, both their own and someone else's, block and unblock accounts, issue loans, deposits, insurance, pay for services, fines and utilities, etc.

How to find a bank branch?

Although operations with the bank are simplified as much as possible, you still have to visit the branch from time to time. It is not difficult to find the nearest one to your home or office: by clicking on the link "Departments and ATMs" in the header of the site and indicating your city, you can find the address, contacts and opening hours of the branch, as well as ATMs and terminals, including those operating in 24 / 7.

A similar tile is located at the bottom of the main page, section - "Regional network"

Contacts and liaison with the administration

BPS-Sberbank hotline for clients from any mobile phone - 148. Here you can:

find out information on your account, card, connected and disconnected services, request a statement;
get advice if any of the services was not provided (for example, the payment "stuck" or the payment went through, but the money did not come);
leave an application, request, complaint;
get help with security;
set up services, get quick advice.

The hotline operates in an automatic mode (the client listens to pre-recorded information), as well as through operators. In principle, you can call here with any question: if the system does not have an auto answer, the operator will definitely help.

Bank clients can order a call back (link in the header of the site), and the bank itself will call back to the specified number.