Plastic cards are one of the most priority and dynamically developing areas of the bank's activities. More than 40 categories of cards in Belarusian rubles, US dollars and euros have been developed for customers - from inexpensive Visa Electron and Maestro electronic cards to the prestigious Visa Gold and MasterCard Gold cards.
"Electronic" cards Visa Electron and Maestro perfect for customers who first start using a plastic card. As a rule, they are issued to a card account in Belarusian rubles and are used to manage their wages or a pension. Despite the inexpensive maintenance, the holder of such a card gets ample opportunities for its use.
Many people believe that such a card can only be used in the Republic of Belarus. In fact, the card to which the salary or pension is transferred can be used in almost any country in the world. To do this, in the application for obtaining
card, it is enough to provide for the possibility of performing transactions abroad.
Using the card, you can pay in shops, cafes, gas stations, etc., get cash at any time of the day in a convenient place for the client, pay for utilities, electricity, mobile and landline telephone communications, cable TV services and Internet providers , replenish your deposits, current accounts and e-wallets (Webmoney and EasyPay), repay loans.
In total, BPS-Bank self-service devices can pay for more than 400 services provided by organizations in various regions of the republic. This can be done at ATMs and information kiosks of the bank, from a mobile phone or 
home computer.
BPS-Bank issues not only mass “electronic” cards. "Classic" cardsVisaClassic and MasterCardStandard ideal for those who spend a lot of time on business trips and travel frequently. Hundreds of thousands of ATMs and millions of outlets accept Visa Classic and MasterCard Standard cards. "Classic" cards have all the capabilities of "electronic" cards. In addition, they are accepted as a guarantee when booking hotels, renting a car, as well as paying for goods and services on the Internet, by phone or when ordering by mail.
"Gold" cardsVisaGoldandMasterCardGold- these are prestigious cards that emphasize the high social status of their owner and are a guarantee of special attention when servicing. In addition to the advantages of "classic" cards, Visa Gold and MasterCard Gold cardholders enjoy the privileges provided by the international payment systems Visa and MasterCard.
In addition, the Visa Classic and Visa Gold cards of BPS-Bank OJSC are new generation cards that combine a traditional magnetic stripe and a microprocessor module that implements modern technologies ensuring security in payment systems.
You can issue a card in any bank division, where the client will be offered to fill out an application for issuing a card and conclude a card account agreement. The production of the card takes several days. Also, the client can issue additional cards to the card account for himself or his relatives and set a limit on the expenditure of funds for each additional card.
Now many banks of the republic issue consumer loans on plastic cards. BPS-Bank offers to use the overdraft lending service to provide a credit card. If you have a BPS-Bank plastic card with an open overdraft, you can make purchases, pay for services and receive cash on credit at any time within the provided credit limit. At the same time, the limit is revolving - this means that after you have returned a certain amount to the bank, you can borrow it from the bank again. So unlimited quantity once!
Three types of overdraft loans have been developed for clients with a maturity of three months to a year for card accounts in Belarusian rubles and an overdraft loan for card accounts in foreign currency (US dollars, Euro) with a maturity of three months. The overdraft limit can be set at up to 400 percent of the client's average monthly income on card accounts in Belarusian rubles and up to $ 4,000 (€ 3,000) on card accounts in foreign currency. The debt is repaid automatically upon any receipt of money on the card account, for example, wages. Overdraft loan available to everyone: it is enough to have a BPS-Bank plastic card and fill out a minimum of documents.
BPS-Bank strives not only to increase the number of ATMs and self-service kiosks, to expand the range of services, but also to provide a high level of service, to interest customers in non-cash payments with cards. For example, from 20.06.2008 to 10.08.2008 BPS-Bank conducts advertising game for holders of bank plastic cards "Prize summer with a BPS-Bank card!" aimed at stimulating card settlements in trade and service enterprises. Holders of our plastic cards, who during this period pay with a BPS-Bank card in shops, canteens, cafes, restaurants, gas stations and any other trade and service enterprises that accept cards for payment, get a chance to win a cash prize! A total of 85 prizes are being drawn, of which one is the main one - 1 million rubles.
You can learn more about the services for plastic card holders on the website www.bpsb.by or in any division of OJSC "BPS-Bank".
For reference. The Bank renders the following services to its customers on plastic cards:
- Cash withdrawal from multicurrency ATMs (Belarusian rubles, US dollars, euros);
- Using cards in Belarusian rubles abroad;
- Lending by plastic cards (overdraft lending, credit cards);
- Self-service payment utilities, electricity, mobile and fixed telephony, cable TV services and Internet providers (more than 400 services in total in various regions of the republic);
- New - payment in self-service devices for services through the ERIP system of the National Bank of the Republic of Belarus;
- Repayment of loans in Belarusian rubles and foreign currency by means of plastic cards in self-service devices;
- Automatic transfer of deposits at the end of the placement period and interest on deposits to card accounts;
- Instant transfers money between cardholders in self-service kiosks and ATMs;
- Replenishment in self-service devices of deposits, current accounts in Belarusian rubles and foreign currency, electronic Webmoney wallets and EasyPay;
- Payment for services via SMS-messages from a mobile phone - SMS-banking;
- SMS-notification of MTS and Velcom subscribers about completed transactions using the card and crediting to the card account;
- Card account management and payment for services via the Internet - Internet banking system " Personal bank»;
- Registration of an application for plastic card online through the bank's website.
Issuance and acquiring of Visa, MasterCard, BelKart cards, incl. Visa cards with microprocessor EMV standard;
The plans for 2008:
- Issue of virtual Visa Virtuon cards for payments on the Internet;
- Issue of Visa Electron Instant Issue cards for quick issuance of loans to the card;
- The service of automatic payment for services at the request of the card holder.
This time we will go to BPS-Sberbank to issue a bank payment card. And as always, our journey begins with a call to the contact center.
- Good morning, BPS-Sberbank, Evgeny, I'm listening to you,- a bank employee greeted me.
- Hello, I would like to issue a personal card. What are the options?
Having asked how you can contact me, the specialist began to ask clarifying questions:
- Tell me, do you want a personal card?
- Yes.
- And in what currency?
- In Belarusian rubles.
- Tell me, do you need a high-level card? What will it be used for?
- I need a regular card to pay in Belarus, but I would like to receive information on international cards.
Further Evgeniy explained that at the moment the bank produces only international cards. These are cards low level- Maestro and Visa Electron. They can be used to pay both abroad and in our country. You can also pay with them on the Internet.
But due to the fact that the cards are of a low level, not all sites accept them. If you pay regularly on the Internet, the bank recommends a higher level card - Visa Classic or Visa Gold. These cards can be used to pay abroad, on the territory of the Republic of Belarus and on the Internet without restrictions.
- And what about the cost? I asked.
- Oh sure. In Belarusian rublesVisa ElectronorMaestrowith a term of use of 3 years costs 10 Belarusian rubles. Visa Classicissued for 2 years and costs 30 Belarusian rubles. AVisa GoldorMasterCard Goldissued for 2 years and costs 60 Belarusian rubles. The differenceVisa ClassicandVisa Gold, is that forVisa Goldvarious discounts, promotions, bonuses from the payment system are provided.
- Tell me, do you no longer issue Belkart cards?
- No. We no longer issue Belkart system cards.
- Tell me, where can you see the system of discounts?
- Discounts are provided by the payment system. When you choose the payment system you need, you can look at its official website for the program of bonuses, discounts and promotions.
- Tell me, does cashback go to the card?
- No. These are cards for payments. To issue a card, you need to apply with a PASSPORT to a bank branch. An account will be opened for you. The card is produced within 10 working days. You come with a PASSPORT and pick up your card. By phone, information about the readiness of the card is not provided, so you will need to contact the bank's division.
- And in which ATMs can you withdraw money?
- Without commission, money can be withdrawn from the ATMs of our bank, Belarusbank, Priorbank, and you can view the balance at the ATMs of our bank and Belarusbank, and a commission will already be charged in Priorbank. And in other ATMs the commission will be 3% of the amount or 4 rubles.
Having learned all the information I was interested in, I asked about the nearest bank divisions.
- Thank you bye,- I said goodbye.
On the same day, I did not have time to visit the bank, and I got there only 3 days later, when I found myself near the Central Bank of Ukraine No. 706 at the address: st. Kalvariyskaya, 42. Well, I just had an hour of free time, and I decided to go in and get myself a BPS-Sberbank card.
CBU No. 706 BPS-Sberbank at the address - Minsk, st. Kalvariyskaya, 42
The bank turned out to be quite pleasant both outside and inside. At the entrance, the bank's clients are met by a consultant. There is also an electronic queue. Having received my number in the electronic queue device, I began to wait for the economist I needed to be released. We didn’t have to wait long. Four minutes later I heard my number:
- Hello, - a bank employee greeted me.
- Hello, I would like to issue a card. What do you recommend?
- Would you like a salary card?
- No - the usual.
- Do you want to pay with us, or abroad?
- Ideally, both there and there.
- Do you have a salary account?
- No.
In the operating room
Then the girl suggested and told me in detail about cards of two levels: Visa Gold (MasterCard Gold) and Visa Classic (MasterCard Standard). The girl also announced the cost of these cards when opening an account both in foreign currency and in Belarusian rubles.
- There is also a cardVisa Electron- but it is without a "currency exchange". This card is valid only on the territory of Belarus.
The information received from the economist fully corresponded to the information received in the contact center. The only thing that the economist clarified is that payment for the card can be made both at registration and at issue. The girl also showed how the cards look. "Higher level".
- SMS notification is also connected to these cards for free. You will receive information about all purchases, but if they cost from 10 Belarusian rubles, - the specialist explained.
- Is Internet banking also free?
- No. Internet banking costs 7 rubles 50 kopecks per year. It is debited from the account at a time.
- Tell me, do you have Belkart cards?
- No. We do not issue ordinary Belkart cards. There is, as an option, "Motsnaya kartka". CombinedMasterCardand Belkart. You know, this card is already considered international. She can pay both abroad and in the Republic of Belarus. And also there is a system of discounts for it. I have the same card, and, for example, yesterday I received an SMS about discounts on sushi!
- The cost of such a card is 15 Belarusian rubles for two years of service.
- It turns out that "Motsnaya kartka" is the cheapest international one?- I asked.
- Yes. But it turns out that there are fewer discounts on the Motsna Kartka than on the cards of a higher level.
- And the cheapest -Visa Electron?
- Yes, it costs 10 Belarusian rubles. But she can only be paid in Belarus. You can pay for it on some Internet sites, but not everywhere. You can also connect internet banking to it. Connection cost - 7.5 Belarusian rubles. You can come for a card, put some amount on it. For example, 10 rubles. We give a short instruction and connect you to Internet banking.
- Good. I understood. Let’s then "Motsnuyu kartka". How long will it take to manufacture?
- About 7 days. But maybe earlier. We will call you when your card is ready.
After that, the girl proceeded to design the card I needed, at the same time writing me the name of the site bestcard.by, where I can get acquainted with the discount system for the "Mozna Kartka".
Also, the specialist introduced me to the information - in which ATMs you can withdraw money without a commission and what is the commission when using other ATMs. She once again recited all the information on the "Motsa kartka". And finally, I gave a short presentation of the map:
- If suddenly, for any reason, an unauthorized debiting from the card occurs, the bank guarantees a refund Money in 100% volume.
It's nice to know that the bank guarantees a refund in case of anything! :)
I decided that I would pay for the card upon receipt. Then I will / will not connect (I have not decided yet) Internet banking. Moreover, it was time for me to run.
The registration of the card, of course, took a little time, but only because of my curiosity (I was more than satisfied with the completeness of the information received from the economist). After thanking the girl, I went to work.
After 7 days, as promised, I received a call from BPS-Sberbank and informed that the card was ready and I could pick it up.
- Just don't forget your PASSPORT,- the girl suggested carefully.
That day I was going on a business trip, so 2 hours before the train I decided to "drop in" for a card. I went to pick up the card right with my travel bag, so the first person who turned to me was a man in a police uniform (I think this is something like a security service), who politely asked me to show what I was carrying in my bag.
After a few seconds of checking, the policeman asked what question I had come to the bank with and, having learned that I had come for a card, CAM knocked out my electronic queue number and took me to the economist. To be honest, I have never seen such a service in any bank! :)
After I gave the economist a passport, the girl found my card within 1-2 minutes, asked if I wanted to connect Internet banking (I decided not to connect it anyway) and SMS notification. After that (since I decided to pay for the card after the fact), the specialist redirected me to the cashier.
After payment, the economist explained that the Internet banking service is activated, and, if desired, I can register on the BPS-Sberbank website and use it. Upon registration, a one-time commission for connecting the service in the amount of 7.5 Belarusian rubles will be charged. If you do not register, no commission will be charged.
Also I can download mobile app "BPS-Sberbank" and use mobile banking. The app is free and comes as an add-on to internet banking. The card is activated within 3 hours.
- Tell me, please, do you have any other questions?- the girl clarified.
- No. Thanks. Goodbye.
- Bye. Please contact us again.
As a result of my visit to BPS-Sberbank, I can draw the following conclusions:
- I was satisfied with the level of BPS-Sberbank specialists. I received a very complete and understandable consultation both in the contact center and in the bank itself. Plus, the economist not only told me about the bank's card products, but also showed how various cards look like, and announced where and what discounts I can now receive when paying with my card.
- The bank does not issue free payment cards, but gives preference to cards international systems Visa and MasterCard.
- The bank cares about the safety of customers and bank employees, therefore a law enforcement officer is always on duty in the hall, and you will not be able to slip past him with a travel bag.
Time of waiting for a response from the contact center on the line—40 seconds - 4.8 points
Completeness of information received from the contact center - 5 points:
- offered card options - 1 point
- clarified the cost of registration - 1 point
- told where to go (place and time of work) - 1 point
- were polite - 2 points
Waiting time in queues at the bank (we summarize the waiting time to the specialist and to the cashier — 4 minutes - 4.2 points.
Registration speed (we summarize the time spent with a specialist, at the checkout and the time spent on receiving the card) - 53 minutes - 0 points.
Card issue speed — 7 days -1 point
Completeness of information - 11 points:
- payment system (explanation) - 1
- "Clean" Belkart "is not issued", offered "Motsnaya kartka" ("Belkart" and MasterCard) - 2
- named the terms of production - 1
- named the cost of manufacturing - 1
- called the cost of service - 1
- local or international told - 1
- they talked about the commission for withdrawals in banks and ATMs - 1
- informed about the availability of Internet banking (IB) and mobile banking(MB) - 1
- they talked about the process of connecting IB and MB - 1
- the cost of IB and MB was announced - 1
In the contact center we will find out if there is an opportunity to issue a card at the bank branch we are interested in. But we do not pre-register - we arrive in the general order.
You can apply for both a debit and a savings card.
BY PHONE
Waiting time for a response from the Contact Center on the line (maximum 5 points):
Scale
0 points - more than 3.5 minutes
1 point - 3.5 minutes
2 point - 3 minutes
3 point - 2 minutes
4 point - 1 minute
5 points - less than 30 seconds
Completeness of information received from the Contact Center (maximum 5 points):
Did they offer card options - 1 point
... have you specified the cost of registration - 1 point
... told where to go (place and time of work) - 1 point
... politeness (yes / no) - 2 points
Waiting time in queues at the bank, summing up the waiting time to the specialist and to the cashier (maximum 5 points)
Scale
1 point - 20 minutes
2 points - 15 minutes
3 points - 10 minutes
4 points - 5 minutes
5 points - less than 1 minute
Registration speed (we summarize the time spent with a specialist, at the checkout and the time spent on receiving the card)
Scale
1 point - 40 minutes
2 points - 35 minutes
3 points - 30 minutes
4 points - 25 minutes
5 points - 20 minutes (15 for registration and 5 for receiving)
Card issuance speed (maximum 5 points)
Scale:
1 point - more than 7 days
2 points - more than 5 days
3 points - from 3 to 5 days
4 points - up to 3 days
5 points - on the same day
Completeness of information (maximum 11 points)
Payment system (explanation) - 1
... did they offer BELKART - 2
... production time - 1
... manufacturing cost - 1
... service cost - 1
... local or international - 1
... commission for withdrawals at banks and ATMs - 1
... availability of Internet banking (IB) and mobile banking (MB) - 1
... process of connecting IB and MB - 1
... cost of IB and MB - 1
Facilities:
Convenience of receiving:
If the bank informs about the readiness of the card, we add 5 points, if not - 0 points.
Serviceability (maximum 4 points)
Indoor renovation - 1 point
... cleanliness - 1 point
... electronic queue - 1 point
... corporate clothing style and badges for employees - 1 point
Staff attitude (maximum 5 points):
... a bank employee greeted - 1 point
... the bank employee was friendly - 3 points
... the bank employee said goodbye - 1 point
The maximum possible number of points is 50 points.
In Belarus, banks issue debit and. The conditions for obtaining a card at BPS-Sberbank vary, depending on the type of banking product.
Types of cards in BPS-Sberbank
A debit card can be obtained for payments for goods and services, cash withdrawals. A credit card is issued when there is not enough personal funds for purchases.
The client can choose a card from the payment system:
- VISA;
- MasterCard.
Conditions for receiving cards in BPS-Sberbank
Conditions depend on the type of banking product. There is a certain limit on credit cards. involves the accrual of points, special offers for BPS-Sberbank cardholders.
To issue a card in 2019 at BPS-Sberbank, you must provide:
- statement;
- passport;
- information about income (only for obtaining a credit card).
The amount of annual service depends on the specific product taken and the service package used. Premium cards that allow you to withdraw money from any ATM in the world without commission will be much more expensive. But they offer Priority Pass, premium service and the best conditions of service in the bank.
With the help of our website, it is possible to apply for a card online. At the same time, you can compare all the card products of BPS-Sberbank on this page.
First of all, you need to decide why you need this virtual plastic card which does not even have a magnetic stripe. I personally needed it to issue an invoice in the electronic payment system PayPal. Account with a payment system PayPal- the foundation of successful shopping in foreign online stores and auctions such as dealextreme and ebay. “Paypale” or as it is called on the Internet “stick” accepts not all plastic cards of Belarusians, but only some of them. It is most reliably known that this can be done with Visa Electron cards of Bank Moscow-Minsk, Visa Internet Priorbank and Visa Virtuon BPS Bank... In addition, in the presence of such a card and a connected Internet banking service, the task of replenishing the more usual for Runet and Buynet becomes easier. payment systems WebMoney and EasyPay.
UPD 2014: Step-by-step instruction upon payment - .
UPD 2013: At the moment, it is possible to get a card with an identical number and for a period of 5 years by writing a corresponding application to BPS-Sberbank.
Then, for cards linked to PayPal, go to your account, on the right in the window Notifications click on the link Update the details of your credit card - enter a new expiration date and CVC code. After that, I withdraw 1 dollar from the card, and you continue to enjoy shopping on the Internet.
UPD: Many online stores use additional payment protection under the Verified by Visa protocol. This service is connected free of charge via Internet banking. An example of work is described in the post Computeruniverse and Verified by Visa purchases.
Plastic cards Visa Virtuon BPS Bank: front and back sides.
Card registration and account replenishment.
My salary card also applies to BPS bank, so I opted for the latter and decided to order a card Visa Virtuon... You can come to the bank branch in person or apply for a card online on the Internet on the BPS-Bank website and wait until they call you back and inform that everything is ready and you can come for the card. So I initially did, but without waiting for the next day, I took my passport with me and went to the nearest bank branch, where they found my application, checked my passport data and ordered me a plastic card "virtual visa".
At issuing a plastic card Visa Virtuon you can select the card currency: Belarusian rubles, US dollars or euros. I was faced with the question of in what currency to open a card account and I chose my native Belarusian rubles. Logically judging that you might have to pay in foreign online stores not only in dollars or euros, but I didn't really want to lose an extra percentage when transferring to Belarusian rubles and back to another necessary currency. By the way, when transferring funds on your card into another currency, “Currency purchase and sale rates for plastic cards of OJSC“ BPS-BANK ”are used - they are listed on the BSP-bank website in the left side column. This rate, as a rule, is slightly higher than in conventional exchangers.
UPD: Due to changes in March 2011 rules when working with currency I recommend getting a plastic card in foreign currency! Cards in Belarusian rubles (except for Visa Virtuon BPSB) are simply no longer tied to PayPal.
The cost of processing a plastic card Visa Virtuon of BPS Bank is 8000 Belarusian rubles per year. In addition, you need to connect to the system. Internet banking "Personal Bank" for this, a one-time fee of 5000 Belarusian rubles is charged, but there is no subscription fee. In total, it took one week to process the card in my provincial city, after which I received the coveted plastic. The card was not immediately active; according to the bank's employees, this requires at least one banking day from the moment the card was issued.
Top up the card it is possible at the bank's cash desk in cash, through Internet banking from another BPS bank card, for example, with a salary, or at an infokiosk. In this case, the replenishment of the card in cash is carried out without commission. When replenishing the Visa Virtuon card of BPS bank from another card of the same bank, the commission is only 0.15%, when transferring funds to other cards, too, BPS bank is already 1.5%. Until my card was activated, I managed to replenish the card account upon presentation of my passport at the bank's cash desk, the card was activated within a few hours, which was displayed in Internet banking, and the money came the next morning.