Internet banking of BPS-Sberbank. Interesting features, extensive functionality

Greetings, friends. I decided to devote today’s topic to the possibilities of Internet banking.

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

A prerequisite for connecting to Internet banking is the presence 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:

1. Check your balance anytime, anywhere.
2. Instant payment of personal bills (payment, utilities, mobile communications, Internet and much more.)
3. Transfer funds from card to card without leaving your home or in a place convenient for you.
4. Payment of loans.
5. Connection additional services(SMS - banking and SMS notification, TV banking) without going to the bank.
6. There is no need to go to a bank or ATM and stand in line to perform the above operations.

How to connect to Internet banking?

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

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

registration on the site

1. Go to the website http://www.bps-sberbank.by
2. In the right corner, click the Internet banking button
3. In the window that opens, select register at the top right.
   
   
4. Next, enter your personal passport number, create and enter your username and password
   
   
5. After entering your credentials (login, password and passport number), click continue. The system should authorize and register you.
6. We go to the main page of the site, click the Internet banking button in the right corner and enter your username and password. Click log in. We go to the main page of our virtual bank.
   
   
7. After we have visited 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 make payment transactions. I already have one main card activated. For example, I will activate another card with the starting card number 41 and the ending card number 41. To activate the card, go to the card actions tab.
   
   
8. This tab will display all your cards. 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 (click on it) and press the activate button.
   
   
9. Next will open electronic form applications for card activation. Here we click continue.
10. 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.
    
    
11. After entering the session key, click the send to bank button and after a while the card should become active. After 3-5 minutes, go to the home page tab and make sure that our card is active.
    
    As we can see from the picture, our card has become active.
12. 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. Select the option that suits you best and click on it. Next, follow the system prompts.
    After paying for Internet banking services, we can proceed with other payment transactions.

    Payment of utility services
    
    

    Most of us pay monthly public utilities By the following formula Water+Light+Gas+Houses+Phone+Internet=A certain amount. Here we will look at how you can pay for all these services via Internet banking. I will show you using the example of the city of Baranovichi.

    
    To pay utility bills you need:

    1. Click on the tab Payments - payment services.
    
    2. Open the tab System “Calculation” (ERIP)
    3. (a.) Payment for telephone, 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. My city is Baranovichi, so I select the line Brest and Brest region.
    
    Next, depending on what we need to pay, select the required line. If we pay for Internet or ZALA, the system will ask you to enter the contract number and payment amount. If we pay by phone, you will be asked to enter the phone number. Next, the payment amount should appear. If it is missing, it means the phone has already been paid for or the database has not yet been created. Therefore, I recommend making payments after the 15th.

    3. (b) Payment of other payments (gas, water, electricity, housing services) is made by selecting your location (place of residence) from the main list. For Baranovichi it looks like this: Brest region - Baranovichi - Utility payments.
    
    Next, open the tab communal paymentsLet's consider payment for housing and communal services 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. Click continue.
    
    If the personal account is correct, it should additional information The city, address of residence, last name, first name, patronymic, as well as the amount to be paid will be displayed. Click continue. Next, you will need to confirm the entered data and the payment process can be considered completed, you can begin paying the next bills.
    
    Attention

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 is if you are already a client of the bank and you have issued some product, for example, a card or a deposit.

In my case, this is a map. To register I needed a passport and 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 pass it, you do not need to be a bank client. For this registration form you only need SMS confirmation.

A special 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 login or password, you will simply have to register again. However, there is one drawback - you cannot leave your old login, the system will say that it is already taken, and 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". First service - "Operations history".

Here you can view transactions for any period, both for all cards and for just 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 different folders...

Also, let's not forget that for all services, for example, payment for telephone or 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 from cards, accounts and even loans :)

"Calculation sheets"- undoubtedly, useful feature, but it will only be useful if the organization you work for enters into a special agreement with the bank.

For example, you can change your login password or choose a convenient method for confirming transactions.

A pleasant surprise was the ability to customize 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.

Setting limits is also available in Internet banking. However, I was able to set restrictions only by 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 from other banks. Moreover, you can pay for services in the ERIP system, replenish deposits, repay overdrafts, and even make transfers :)

At first glance, it is clear that translations are strong point jar. 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 - order a call and personal consultation It didn’t work out for us in the system. Endless loading :(

In the section called "Deposits and accounts" you can choose a suitable deposit for yourself and open it without leaving home...

In chapter "Credits" Only an 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 purchased previously, for example, a deposit or card account.

Personal opinion of the correspondent

In addition to the main functions, in the Internet bank you can find many interesting opportunities, such as identifying a Yandex Wallet or filling out an application 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

Even more of the latest and interesting banking news on our channel in Telegram!

Internet banking from BPS-Sberbank is a special online service with which you can remotely monitor the status of your account, carry out certain banking transactions, and so on. The operating model of BPS Internet banking is as follows: the bank stores all data about the client on its server, and the client uses the Internet to connect to this data base and log into Personal Area and performs all 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. After all, there may be a long queue at bank branches, and the bank branch itself may be located far from home. Using Internet banking you can carry out a large number of transactions (money transfer, payment of utilities, etc.) in a few clicks.
• A large number of services with which you can pay for various services. Using Internet banking you can pay for electricity, water, gas, telephone, Internet and so on.
• Instant card blocking. If a client’s card is stolen, he can quickly log into his personal account and block it so that the attacker cannot use the card.
• Reliable protection against hacking using the SSL protocol. When using this protocol, Internet fraudsters will not be able to hack 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 go to the nearest branch of BPS-Sberbank with your passport and write an application to connect to Internet banking.
• You are offered an agreement to connect the service; if you agree with it, then you sign it.
• You are given a login and password with which you can access the site.
• In some cases, you will also have to contact the Bank’s Digital Certificate Certification Center to obtain and install crypto protection tools.

How much does internet banking cost?

You can connect to Internet banking for the following fee:

• Connecting the client to the Internet banking system with provision of media electronic keys— 25 Belarusian rubles, without providing an electronic key carrier — 12 Belarusian rubles.
• The monthly fee for using the service is 12 Belarusian rubles.
• Activation of the SMS notification service when conducting card transactions costs 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 additional services, high degree of protection against unauthorized access. To activate the service, you must contact a 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 to Internet banking costs 12 or 25 Belarusian rubles, and the monthly fee is 12 Belarusian rubles.

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

What is the Internet banking service from Sberbank? This feature allows the customer to carry out most banking transactions that previously could only be done through a bank branch or ATM. Internet banking is available today to login via Personal Computer or an application on your phone.

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

How to connect Internet banking to BPS Sberbank?

To connect to Sberbank's Internet banking service, you must contact any bank branch. You should have your passport with you, since when filling out an application to connect to the service, you will need to fill out a form containing the client’s data.

To gain access to Internet banking you must:

1. Appear at a Sberbank branch with your passport.
2. Contact the cashier or the employee responsible for connection.
3. A bank employee will draw up an application for connection of Internet banking services to the client. You must sign this statement.
4. After the application is completed, you will receive an SMS notification that the Internet banking service has been activated.

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

Internet banking connects 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 with BPS Sberbank Internet banking?

To register in the BPS Internet banking system of Sberbank, you simply need to submit an application for connection at a bank branch. After completing all procedures, 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 for the use of Internet banking to become completely safe, it is better to change the username and set a new user password when logging into your personal account for the first time.

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 log into 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, SMS confirmation will be sent to the user’s phone.

To pay for services using BPS Internet banking you must:

1. Log in to your personal Internet banking account.
2. Select the Transfers and Payments tab.
3. Go to the item for the type of payment for services that is required.
4. Enter the recipient's details and payment amount.
5. Click the Finish button.
6. Confirm with SMS password that the operation is correct.
7. Receive 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 bank client can connect to Sberbank BPS Internet banking. To do this, it is enough to have a phone number, a Sberbank card and a passport. Connection is free. Having a personal account in such a system allows you to pay for services, transfer cash and perform a lot of banking operations with own computer or phone.

Internet banking BPS-Sberbank is special service, which makes it possible to remotely control your account and carry out various banking operations.

What is the advantage of BPS-Sberbank Internet banking?

This service has a number of undeniable advantages:

• There is no need to make a personal visit to a bank branch and stand in line to carry out most transactions; the main thing is to provide access to the Internet. Branches are not always located close to home, so the service saves a lot of time;
• through this service you can transfer money, pay for utilities, including water, electricity, communications, internet, etc.;
• you can instantly block the card if lost or stolen;
• Your personal account is reliably protected from online fraudsters using the SSL protocol.

How to connect the service?

To activate Internet banking, you need to contact the nearest bank branch. You need to have your passport with you. A branch employee will ask you to write an application to connect to the service. Your next steps:

• read the contract for connecting the service, if everything suits you and there is no doubt, sign it;
• a bank employee gives you a login and password to log into the system;
• If you need to install crypto protection tools, 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 go to your personal account, select the “Payments and Transfers” section in the horizontal menu, and select the service for which you need to pay from the list provided. Let's give an example for clarity:

• select “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 payment will be withdrawn and enter the short name of the organization that entered into the DSMR agreement;
• enter the required amount in the payer’s full name, click “Next”;
• check the correctness of the entered data, enter an additional password and click “Pay”.

A check card is generated in a new window, which can be printed, sent by email or saved in PDF format. If desired, this payment can be added to the “Fast payments” section by clicking the corresponding button.

Registration of a personal account

To register a personal account, you need to go to bps-sberbank.by and in the horizontal toolbar click on the outermost tab “Sberbank-Online”. In the new window, select the “Registration” section in the side menu. Enter your address in the registration form Email, mobile phone, full name and click the “Continue” button.