What is bps internet banking. Internet banking of BPS-Sberbank

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

Registration and data 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. You do not need to be a bank customer to pass it. For this form of registration, only SMS confirmation is required.

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

If you have forgotten your username or password, you will simply have to re-register. However, there is one drawback - you cannot leave the old login, the system will say that it is already taken, you will have to come up with a new one :(

Functional

This is what 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 will also find it in the side menu. Your payments are stored here, which can be renamed, deleted and grouped into different folders ...

Also, let's not forget that for all services, for example, paying 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 - PF manager, which can be found under "My finances". The financial assistant will analyze all your income from cards, accounts and even loans :)

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

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

A pleasant surprise was the ability to adjust the visibility of 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.

Limits can also be set in Internet Banking. However, I was able to set restrictions only on the countries of transactions, limits on amounts and quantities 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 cards of other banks. Moreover, you can pay for both 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 of 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 succeed in ordering a call and a personal consultation in the system. Endless loading :(

In the section titled "Deposits and Accounts" you can choose the right deposit for yourself and open it without leaving your home…

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

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

Correspondent's personal opinion

In addition to the main functions, in the Internet bank you can find many interesting features, such as identifying Yandex Wallet or applying for insurance.

The functionality is extensive, especially in the translation section.

Separately, I want 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 something else is needed)	2/1		2
		data recovery in case of loss of login and password (without visiting the bank)	5/0		5
convenience		is there balance information on the first page	5/0	max 47	5
		is it possible to display quick payments on the first page	3/0		3
		quick access to frequently used functions	2/0		2
		session passwords (sms / cards)	2 / 0		2
		enabling/disabling 3D Secure	yes/no 5/0		5
		connection / disconnection of SMS - informing	yes/no 5/0		5
		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 "day to day" mode	5/0		5
		Possibility to change the PIN code	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
		availability of free payment function	5/0		5
		ability to rename your payments (templates)	2/0		2
		are there checks	1/0		1
		you can print/send receipts	1/0		1
		Can you pay by 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
	loans	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), pay slip (+2 points)		4
Feedback		is there a phone number of the bank (yes / no)	2/0	max 12	2
Feedback		online - real-time support, chat (yes/no)	10/0	max 12	10
personal opinion		general impression	without points
Maximum Points				125	111

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

Internet banking is a tool that allows non-cash payments through your personal account.

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

The main advantages of Internet banking are:

Check your balance anytime, anywhere.
Instant payment of personal accounts. (payment, utilities, mobile communications, internet, and 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-alert, TV-banking) without going to the bank.
There is no need to go to a bank or an ATM and stand in line to perform the above transactions.

How to connect Internet banking?

To connect 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 personal number passports, invent and enter your username and password
After entering the credentials (login, password and passport number), click continue. The system should authorize and register you.
We 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 went to 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 to complete payment transactions. I already have one main card activated. For example, I will activate another card with the starting card number 41 and ending 41. To activate the card, go to the card actions tab.
All your cards will be displayed in this tab. At the moment, I already have one card active. Now, using the example of the second card, I will show how it can be activated. To activate the card, select the card we need (by clicking on it) and click the activate button.
Next, an electronic application form for card activation will open. Click here 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 when connecting the service.
After entering the session key, press the send to the bank button and after a while the card should become active. After 3-5 minutes, go to the tab main page and make sure our card is active.

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

Here the system offers us two payment options: for 6 months and for 12. Choose the option that suits you best and click on it. Next, 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 utility bills according to the following formula Water + Electricity + Gas + ZhES + 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 utility bills:

1. Click on the tab Payments - payment 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 the place of your residence. I have the city of Baranovichi, so I choose the line Brest and Brest region.

Next, 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 the 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 missing, then the phone has already been paid or the bases have not yet been formed. Therefore, I recommend making payments after the 15th.

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

Next, open the tab communal paymentsLet's consider payment for housing services. To do this, open the ZHREU 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 at the post office. We press continue.

If the personal account is correct, the city, address of residence, last name, first name, patronymic, as well as the amount to be paid should be displayed in additional information. Click continue. Next, you will need to confirm the entered data and the payment process can be considered completed, you can proceed to pay the next bills.

Attention

How many problems have been solved with the advent of the Internet? Today, we can not only communicate on a social network with any person or friends around the globe for free, but also perform a number of banking operations without getting up from the sofa or office chair.

Many entrepreneurs a few years ago did not even dream of paying for bank accounts, replenish credit cards and independently monitor the completed banking operations. Today, the service provided by BPS Bank Internet banking is used by thousands of holders.

The most valuable thing every busy person has is time. BPS-Bank values your time and money, so any client can use the service that allows you to manage your accounts without leaving your home or office. Permanent communication with the bank is supported by the remote access system "BS-Client v.3".

The client base of BPS-Bank consists not only of individuals, who use Internet banking to pay for utilities, telephone, Internet and much more, but also from the largest enterprises in the country.

Not all bank customers trust payments via BPS Internet Bank. Today, there is still a popular opinion that you need to keep money in three-liter jars or deep under the mattress, and with plastic card scammers will steal them. Funny, isn't it? You don’t have to worry about the reliability of your money, because the “BS-Client v.3” system includes several degrees of protection, which will prevent unauthorized third parties from getting into Personal Area user. All information that is on the card, which serves this card and its owner.

Online services of BPS Bank

Without leaving home, via the Internet system, any client of BPS-Bank can use the following services:

SMS - banking. With its help, the holder of a bank account plastic card easily make the necessary payment transactions using a mobile phone and a positive balance. To use the service, it is not necessary to have an expensive mobile phone, the service is available to any bank client who has connected SMS-banking to his number.
SMS notification. The service allows you to control any operations on your bank card. Immediately after any payment or transfer, an SMS notification will be sent to your mobile phone with the amount of the payment and the commission for the transaction (if a commission was provided for the service).
USSD banking. Allows you to top up your mobile phone account if the subscriber is blocked or outside the country.
Online deposit. BPS-Bank customers do not have to go to the office financial organization to conclude an agreement on opening a deposit account. You can make a contribution using your bank card. Deposits can be opened in Belarusian rubles and foreign currency.

Internet BPS-Bank has already been appreciated by several thousand holders bank cards. When concluding an agreement, it is necessary to clarify with a bank specialist whether additional commissions are charged for payment and other banking operations.

Advantages of online payments:

saving time, you no longer have to leave your workplace to make the necessary payments;
your payments are securely protected not only with a password and code, but are also confirmed by SMS;
it takes a minimum of time for the client to process documents;
any calculations are carried out through filling out documents, which eliminates the errors of specialists when making a payment. Save your time and increase your funds with BPS-Bank.

With development banking sector Internet banking service has become widespread. Sberbank offers its customers a convenient system that allows them to make payments, transfers, and many other transactions without leaving their homes. Those who want to always have a bank at hand should get online banking.

What is the Internet banking service from Sberbank? This feature allows the customer to carry out most of the banking transactions that previously could only be performed through a bank branch or ATM. Internet banking is available today to get an entry through a personal computer or an application in the phone.

Internet banking BPS Sberbank was transformed in 2015 into Sberbank online, which operates today.

How to connect Internet banking BPS Sberbank?

To connect the Sberbank Internet banking service, you need to contact any branch of the bank. You should have a passport with you, since when filling out an application for connecting the service, you will need to fill out a questionnaire in which the client's data is indicated.

To gain access to Internet banking, you must:

Come to the branch of Sberbank with a passport.
Contact the cashier or the employee responsible for connection.
The bank employee will draw up an application for connecting the Internet banking service to the client. This application must be signed.
After the application is completed, an SMS notification will be sent stating that the Internet banking service is connected.

To get access to the Internet banking service, you must have an activated service Mobile bank to receive SMS notifications.

Internet banking is connected to one Sberbank card, even if the client has several of them. However, he will be able to receive information about all cards online.

How to register in BPS Sberbank Internet banking?

To register in the BPS Internet banking system of Sberbank, you just need to submit an application and connection at a bank branch. After all procedures are completed, the user will be automatically registered in the system and will be able to use the Internet banking service. However, the initial login and password are set automatically and are not considered secure. In order to make the use of Internet banking completely safe, it is better to change the login and set a new user password when you first enter your personal account.

Internet banking BPS Sberbank: payment for services

Through the BPS Internet banking system, any user can pay for services. To do this, you need to enter your personal account by entering your login and password, as well as an SMS code. Since 2015, BPS Internet banking has been transformed into the Sberbank online system with improved protection using SMS alerts. That is why when paying for each service, confirmation SMS will be sent to the user's phone.

To pay for services using BPS Internet banking, you must:

Log in to your personal internet banking account.
Select the Transfers and payments tab.
Go to the item of the type of payment for services that is required.
Enter the details of the recipient and the amount of payment.
Press the Done button.
Confirm the correctness of the operation by SMS with a password.
Get your payment receipt online.

It is necessary to enter payment details correctly and accurately and be sure to check them before sending funds.

Thus, every client of the bank can connect Internet banking to BPS Sberbank. To do this, it is enough to have a phone, a Sberbank card and a passport. Connection is free of charge. The presence of a personal account in such a system allows you to pay for services, transfer cash and perform a lot of banking transactions from your own computer or phone.

Internet banking from BPS-Sberbank is a special online service with which you can remotely track the status of your account, conduct certain Bank operations etc. The BPS Internet banking model is as follows - the bank stores all the data about the client on its server, and the client connects to this database using the Internet, enters his personal account and performs all the operations that the bank allows.

What are the benefits of Internet banking

Internet banking has the following advantages:

To carry out most transactions, you do not need to visit the bank - it is enough to have access to the Internet. Indeed, in bank branches there may be a long queue, and the bank branch itself may be far from home. With the help of Internet banking, you can carry out a large number of transactions (money transfer, payment of utilities, and so on) in a few clicks.
A large number of services with which you can pay for various services. With the help of Internet banking, you can pay for electricity, water, gas, telephone, Internet, and so on.
Instant blocking of the card. If a client's card was stolen, he can quickly log into his personal account and block it so that an attacker cannot use the card.
Reliable protection against hacking using the SSL protocol. Using this protocol, Internet scammers will not be able to hack into your computer and transfer your money to their account.

Where and how to connect BPS Internet banking

Connecting BPS Internet banking looks like this:

You apply to the nearest branch of BPS-Sberbank with a passport and write an application for connecting Internet banking.
You are offered a service connection agreement; if you agree with it, then you sign it.
You will be given a username and password with which you can access the site.
In some cases, you will also have to contact the Certification Center for Digital Certificates of the Bank to obtain and install cryptographic protection tools.

How much does internet banking cost

You can connect Internet banking for the following fee:

Connecting a client to the Internet banking system with the provision of a carrier of electronic keys - 25 Belarusian rubles, without providing a carrier of electronic keys - 12 Belarusian rubles.
The monthly fee for using the service is 12 Belarusian rubles.
Activation of the SMS-notification service when carrying out transactions with the card - 3 Belarusian rubles.
The monthly fee for using the SMS notification service is 3 Belarusian rubles and 50 kopecks.

Conclusion

With the help of Internet banking, you can carry out banking transactions using the Internet. Among the main advantages of Internet banking are simplicity, a large number of additional services, and a high degree of protection against unauthorized access. To connect the service, you need to contact the BPS-Sberbank branch and sign an agreement, as well as install a special program on your computer that will protect your computer from unauthorized access. Connecting Internet banking costs 12 or 25 Belarusian rubles, and the monthly fee is 12 Belarusian rubles.