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 for the use of Internet banking to become completely safe, it is better when you first enter Personal Area change the username and set a new user password.
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 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 make a personal visit to the bank branch and stand in line 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 a communal apartment, including water, electricity, communications, the Internet, etc.;
- you can instantly block the card in case of loss or theft;
- 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 branch of the bank. 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 next steps:
- 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 login and password to enter the system;
- if you need to install cryptographic 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, select the service for which you need to pay from the list provided. Let's give an example for clarity:
- choose "Medical insurance";
- in the 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 has concluded the DSMR agreement;
- drive required amount in the full name of the payer, 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 e-mail or saved in PDF format. If desired, this payment can be added to the "Quick payments" section by clicking the appropriate button.
Registration of a personal account
To register a personal account, you need to go to the address bps-sberbank.by and click on the last tab "Sberbank-online" in the horizontal toolbar. In the new window in the side menu, select the "Registration" section. Enter your address on the registration form Email, mobile phone, name and click the "Continue" button.
Internet banking from BPS-Sberbank is a special online service that allows you to remote mode track the status of your account, conduct certain banking operations, and so on. The functioning model of BPS Internet banking 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 operations (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 Bank's Digital Certificate Certification Center to obtain and install cryptoprotection 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.
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 the full version of the system.
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. The 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 translations are forte 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 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 service financial manager | 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 | |
| online - real-time support, chat (yes/no) | 10/0 | 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 you to make cashless 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 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 website
- 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 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 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.
- This tab will display all your cards. On this 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 press the activate button.
- Next will open electronic form card activation applications. 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, we press the send to the bank button 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 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 utilities on following formula Water + Electricity + Gas + ZhES + Phone + 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 payments
Let'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, 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 proceed to pay the next bills. 
Attention