Personal Internet banking of bps bank. Personal account in Internet banking bps-sberbank

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

Manual

Matyushevsky Vasily Stanislavovich - Chairman of the Board.

Holding

BPS-Sberbank OJSC is the parent organization of the banking holding.

History

In 1928 the bank was reorganized into the Bank for Long-Term Lending to Industry and Electricity.

In 1932, as a result of the reform of the credit system, the Bank for Financing the Capital Construction of Industry, Transport and Communications of the USSR was formed. In the 1930s, the Belarusian office of the bank expanded the scale of its activities, opened the Gomel and Mogilev branches and financed more than 700 construction projects in 73 districts of the republic.

In 1941, due to the temporary occupation of the territory of the republic, the bank's activities were suspended. In the difficult post-war years, the bank resumed its activities in a short time and ensured the fulfillment of the task of efficiently using the funds allocated for the restoration of the national economy.

In 1959, the all-Union bank for financing capital investments, Stroybank of the USSR, was formed. The Belarusian office of Stroybank focused on financing the construction and reconstruction of industrial enterprises, construction industry facilities, transport, communications, housing and socio-cultural purposes (90% of capital investments carried out in the republic) and short-term lending to contractor construction organizations.

In the course of the reform of the banking system, carried out in 1987, the Industrial and Construction Bank of the USSR was formed. The structural division of Promstroybank in Belarus began to carry out a full range of banking operations and services related not only to investment, but also to production and supply and marketing activities of enterprises and organizations.

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

In October 1999, the bank was renamed into Open Joint Stock Company "Belpromstroybank".

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

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

In October 2011 the bank was renamed into Open Joint Stock Company BPS-Sberbank.

BPS-Sberbank Online is a remote service, with the help of which the clients of the specified financial institution will be able to make various payments. However, in order to use it, you must have access to the "Personal Account". To do this, you need to go through the registration procedure in any convenient way.

Registration

Internet banking can only be used by citizens who are clients of the specified financial institution. To go through the registration procedure, you must follow the established sequence of actions:

Advantages and disadvantages

As for the advantages of Internet banking, the following points can be highlighted:

  • funds are credited to another account within the shortest possible time;
  • there is no need to go to the branch of a financial institution in person and sit in long lines;
  • you can use the services at any time of the day or night;
  • many payment transactions do not involve payment of a commission fee.

However, there are some drawbacks. Of these, the following can be distinguished:

  • if a user account is hacked by fraudsters, funds may be stolen;
  • the system makes it possible to make a transfer using incorrectly specified details.

However, these disadvantages can be avoided if you follow the safety rules.

Safety regulations

To secure your own funds, you must follow the established rules:

  1. Avoid primitive passwords. It is necessary to come up with a complex combination, which will consist of both numbers and letters. Otherwise, fraudsters will be able to easily obtain data from entering the user's "Personal Account".
  2. Update the secret code two or three times a month.
  3. In the event of a translation, carefully check all the specified information for errors.
  4. Install a good antivirus and regularly check your PC for them.
  5. Do not enter Internet banking using an unsecured connection.

Compliance with all of the above rules will secure the user's work with Internet banking.

Functionality overview

With the help of the BPS-Sberbank Online service, you can carry out many payment transactions, so it is worth considering in more detail the functionality of this Internet banking.

Home page

The Internet banking home page looks like this:

All payment instruments held by the user will be listed here. To the right is the "Personal Menu", where you can perform the following actions:

  • view the history of transactions;
  • manage payments;
  • activate the "Autopayment" service;
  • read the terms of the "Thank you from Sberbank" promotion;
  • study the list of frequently asked questions;
  • get acquainted with the current exchange rate.

As for the operations performed with a specific plastic, you must click on the "Operations" field, after which a context menu will open.

Available actions with cards:

  • blocking;
  • transfer between your accounts;
  • history of completed transactions;
  • ordering a mini-statement;
  • activation of the "Mobile Bank" service;
  • setting up auto payment.

These are just some of the operations that can be done remotely.

In this section, the user can open or close their own contribution, as well as perform the following actions with it:

  • read the remainder;
  • generate a statement for a specific period of time;
  • study the terms of service.

To take advantage of these opportunities, just click on the "Operations" field located opposite the deposit.

In this section, you can form an application for a loan, get acquainted with the current loans, as well as the limits on them. It is important to know that the application can only be submitted by citizens who have a stable income transferred to Sberbank plastic.

Closed accounts

This section contains information about accounts that were closed no more than six months ago. If the user needs to familiarize himself with more old information, then he cannot do without a personal visit to a financial institution.

Thanks to the availability of access to the "Personal Account" of BPS-Sberbank Online, the user will be able to carry out many payment transactions remotely. This saves a lot of time as you don't have to wait in long queues. To register, you must follow the established algorithm.

BPS Bank is a system of remote customer service from BPS-Sberbank operating in Belarus. Internet banking gives Belarusian clients the opportunity to use all the services of the bank and control accounts and cards online. All operations are carried out in your personal account, below it will be described how to register, enter your account and use it.

Login and account registration

Until 2015, bpsb had a different banking system, after which it switched to the same service that operates in Russia - Sberbank Online.

Only a client who has an account or card in the BPS will have access to the personal account. There are two ways to become a user:

  • Having concluded an agreement with the bank. You only need to take your passport with you.
  • Registration without visiting the branch on the lender's website.

In the case of visiting a branch, a bank manager will issue a temporary password and login after submitting an application.

When registering on the site, you need to click on "Register" and enter:

  • Card or account identification number.
  • Mobile number to which in the future session codes and passwords will be received to confirm operations.

By clicking on "Continue" a password will be sent to the specified number. By entering it into a line on the site, the client's identity will be confirmed and access will be open. Now you need to enter the LC.

The generated password is not secure. The user needs to change it in the future by creating a new, complex combination.

The entrance to the BPS personal account is carried out on the main page of the official website www.bps. sberbank. by. No special software or devices are required for authorization.

As a reminder, by entering the wrong password several times, access to your account will be blocked for several hours.

Using the BPS cabinet

There are two options for connecting to the LAN:

  • Is free.
  • For 7.5 rubles per year (BYN version).

In the free subscription option, the client gets much fewer options. He can only:

  • Receive information about bank accounts and cards.
  • Use auto payment and SMS notification.
  • Confirm transactions by entering one-time passwords.

It is impossible to make payments on your own - only through automatic debiting of funds. This is only suitable for those who need to make recurring payments.

Therefore, paying such a small amount is worth it - the user will have access to all the functionality of the cabinet for a year.

The system is not much different from the Sberbank Online service operating in the Russian Federation. The account allows individuals:

  • Manage your accounts and cards.
  • Transfer funds to individuals and legal entities to cards and accounts of BPS-Sberbank and other financial institutions.

  • Open and replenish deposits, withdraw money to non-identified metal accounts.
  • Pay for services and purchases in online stores - housing and communal services, communications, the Internet, fines and taxes, etc.

  • To issue loans and make payments on them.
  • View information about accounts, credit and debit cards, deposits, as well as information on the balance of funds and transactions.
  • Receive payment documents and generate documentation from them.
  • View reference information about the exchange rate, the location of ATMs and branches of the financial institution, current promotions and programs, etc.
  • Activate and deactivate bank services, order and block cards.
  • Change account settings: login data to the personal account, make visible strictly defined services, view the log of user authorizations, etc.
  • Take out insurance and make payments on it.
  • SMS notifications about transactions.
  • Auto payment for specific transactions without a client's order (for this, the user must submit a list with payments and recipients).
  • A service similar to the previous one - "One-button payment". In one click, periodic payments are made, preset in the personal account, i.e. without visiting the bank.
  • Approval of payments by entering one-time passwords sent via SMS to the user's number (different service names are provided for Visa and MasterCard cards).

All operations are carried out in 4 sections:

  • "Payments and Transfers".
  • "Deposits and Accounts".
  • "Cards".
  • "Loans".

Here, you can not only carry out transactions, but also view information on currently executed banking products and already closed accounts. The main page of the cabinet already contains information about cards, deposits and accounts.

You can familiarize yourself with the terms of service for individuals on the bank's website by opening the section "Individuals" and going to the subsection "Payment for services using remote channels". Here you will find instructions on how to work with the service, the maintenance procedure, answers to basic questions and recommendations for ensuring account security.

The work of the cabinet is protected by the SSL protocol. Check the address bar when entering the site - a lock icon should appear. This means that the data transmission is secure.

By setting up the "Pay with one button" function, you can make payments for similar transactions every month.

The function of setting the visibility of products is purely aesthetic, allowing you to remove unnecessary information from the cabinet interface.

Note that you can get a mini-statement in your account, for the formation of which you need to draw up a report on your personal account. To do this, click on the "Statement" tab in the LC and enter the following data in the fields that open:

  • The beginning and end of the period for which the report is needed.
  • Card or account for which the statement is issued.

Checks and statements can be sent by email, saved in PDF and printed. The subsection "Settlement sheets" will be useful to those who plan to conclude any deal in the near future. For example, if the employer signs an agreement with the BTS.

You can create template payments by entering parameters in the “Fast Payments” subsection.

Important! You can link the Yandex.Money electronic wallet to your account or card (this service is part of Sberbank). To do this, you will need to go through the identification procedure. Transfers from the wallet are possible to cards:

  • Visa.
  • MasterCard.
  • Belkart.

There is also a BPS bank mobile application. You can download it for Android and iOS from PlayMarket and AppStore, respectively.

Important! A useful section, called the financial manager, can be found by opening the "My Finance" section. He will analyze the available profit for all active accounts, cards and loans.

If it is decided to terminate cooperation with the bank, the client only needs to submit an appropriate application to close all products and services. After that, access to the LC will be closed.

So, access to the account is provided to persons who already have any banking product. The service is convenient and laconic, offers all the possibilities for managing your funds and services.

Internet banking BPS-Sberbank is a special service that allows you to remotely control your account and conduct 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 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 scammers by the SSL protocol.

How to connect the service?

To connect Internet banking, you need to contact the nearest bank branch. You must have a 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 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 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.