Personal account in Internet banking BPS-Sberbank. Sberbank Online personal account - login OJSC BPS Sberbank online
Testing the Internet Banking service from various financial institutions. Today we will explore the capabilities of the service from BPS-Sberbank.
You can activate this service online. To do this, you will need a passport (you will need to enter an identification number).
Service home page
So, once you are on the start page of the Internet Banking system, you can find out the following information...
...find out the location of the nearest bank branch...
And…
- see bank news
- transfer money from a card to a BPS-Sberbank card (or to MasterCard cards of any bank). The main thing is that the 3D-Secure service is connected to the card
Let's finish getting acquainted with the start page and go to the application to get acquainted with it and its capabilities. The main page looks like this...
- "Fast payments"
- "Bank News"
- "Currency rates"
- "Information about cards"
- "Personal menu"
- Main menu systems
First, let's look at "Personal menu"
For any transaction, you can view the receipt, print it and save it, or send it by mail.
"Payment Management". At this point you can edit your quick payments, both signed and last paid.
"Automatic payment". We will not dwell on autopayment, but note that this The service at BPS-Sberbank is paid.
When you click on the card, actions that you can perform appear in front of you.
Also on the main page there is a block "Help", where you can find out the bank's tariffs and read the user manual.
Let's move on to the main menu of the system. It includes the following sections:
- Payments and transfers
- Cards
- Deposits and accounts
- Loans
- Closed accounts
In the same section you can find a filter for selecting the required payment.
Section "Maps" We covered it above, so we won’t repeat ourselves and move on.
"Deposits and accounts"— at this point you can open a new deposit and monitor existing ones...
"Closed accounts". This section lists all accounts closed less than 6 months ago, for which you can view a full statement.
We have compiled a list of operations (if any) that are considered when testing the Internet Banking service:
- Creating an auto payment
- Availability of payment history
- Free payment
- One button payment
- Transfer from card to card
- Opening a deposit
- Credit application
- Contact with the bank
Creating an auto payment
You can create automatic payments in the Interner Bank system. To do this, go to the “Automatic payment” section, select the required payment and create a schedule.
Availability of payment history
Payment history can be viewed in the section "Operations history". Each receipt can be viewed in detail, downloaded, printed and sent by email.
Free payment
The system allows you to make a “Custom payment”, but the bank will charge a commission for making it.
Create a list of your payments
To create a list of your payments, you need to add it to "Fast payments". After making any payment, you need to click the button “Add to “Signed Payments”, or "Last paid"
One button payment
In chapter "Payments and transfers" there is a service "One-button payment."
Transfer from card to card
You can make a transfer either to your card or to the card of another BPS-Sberbank card holder, or even to the card of another financial institution. Both cards must be from a payment systemMasterCard!
When making a transfer to another bank client, you need to know the recipient's card details.
When transferring to a card from another bank, you must provide card details:
- from which the payment is made
- to which funds will be credited
Feedback from the bank
You can contact the bank as follows:
General impression
The Internet banking system from BPS-Sberbank has enormous functionality. True, there is also an incomprehensible section - “History of statements”. We ourselves still couldn’t figure out what should be indicated there, so we had to call the bank.
By the way, the bank charges a commission for many payments - it turns out that this is not such a free service.
To summarize:
Connection
- Connection occurs via the Internet - 2 points
- Connection is carried out immediately as soon as you register - 2 points
- You can use the service immediately - 3 points
Convenience
- To login you need a login and password - 2 points
- To pay for mobile, Internet provider and utility services, you need to make 3 transitions - 1 point
- There is quick access to frequently used functions (fast payments, last paid) - 2 points
- Session passwords are sent via SMS - 2 points
- Limits cannot be managed - 0 points
- Balance is available on the main page - 2 points
- You can change your password in the system - 3 points
Payments
- You can create automatic payments - 2 points
- There is a payment history. There is a search for payments - 2 points
- There is a function “Custom payment” - 3 points
- You can create “Quick payments” and rename existing ones - 2 points
- Payment occurs in real time - 5 points
- There is a “One-button payment” function - 1 point
Translations
- You can make transfers to your bank cards - 2 points
- Data required for transfer - card number and card expiration date - 3 points
- Speed of transfers - within an hour - 2 points
Deposits
- You can open a deposit in Internet banking - 1 point
- You can replenish deposits in the Internet bank - 1 point
- In Internet banking you can transfer deposits to a card - 1 point
Loans
- You cannot leave an application for a loan online - 0 points
- To obtain a loan, you must contact a bank branch to draw up and sign documents - 0 points
- You can repay loans through Internet banking - 1 point
Additional features
- There is no online application for card reissue - 0 points
- You can block your card online - 2 points
- You can connect SMS alerts - 3 points
- Receipts are kept. They can be downloaded, printed, sent - 2 points
- When working with a card, indicate the location of the bank branch and operating mode - 2 points
- You cannot order a card online - 0 points
- You can connect and disconnect 3-D Secure - 3 points
- There is information about exchange rates, branches and ATMs - 2 points
Feedback
- There are 5 communication channels for communication with the bank - 5 points
- Waiting time for an answer to a general question - 56 seconds - 5 points
- Waiting time for a technical question - 56 seconds - 5 points
Errors
- There were no errors - 5 points
Personal opinion
- Overall user experience - 4.5 points
The result of testing the Internet banking system from BPS-Sberbank is 83.5 points out of 100 possible
| Evaluation criteria for online banking | ||||
| connection | ease of connection (availability) | 1. 2/1 | max 7 | |
| 1. online, offline | ||||
| 2. immediately or after a while | 2. 2/1 | |||
| 3. How long after you can use the service | 3. up to 20 min - 3 | |||
| up to 40 min - 2 | ||||
| up to an hour - 1 | ||||
| more than an hour - 0 | ||||
| convenience | 1. authorization mechanism | 1. 2/1 | max 16 | |
| (login and password are enough to log in or do you need something else) | ||||
| 2. convenient navigation, number of transitions to complete an operation: | 2. 1 transition - 3 | |||
| - pay for mobile | 2 transitions - 2 | |||
| - pay utilities + electricity | 3 transitions - 1 | |||
| - pay for internet | over 30 | |||
| 3. availability of quick access to frequently used functions | 3. 2/0 | |||
| 4. session passwords (cards, SMS) | 4. sms - 2 | |||
| cards - 0 | ||||
| 5. ability to manage limits | 5. yes/no 2/1 | |||
| 6. balance on the main page | 6. yes/no 2/1 | |||
| 7. ease of changing and recovering passwords | 7. online - 3 points, go to the bank (ATM) - 0 points | |||
| Functionality | payments | 1. possibility of creating automatic payment | 1. any payment without restrictions - 2 | max 15 |
| there are restrictions - 1 | ||||
| no such function - 0 | ||||
| 2. availability of payment history | 2. search through history + setting a time period + visualization - 2 | |||
| 3. availability of the free payment function | 3. 3/0 | |||
| 4. ability to create a list of your payments, rename them (templates) | 4. ability to create a list of your payments (1), ability to rename (1) | |||
| 5. payment processing in real time | 5. plus 5, if there is a delay then 0 | |||
| 6. one-button payments | 6. 1/0 | |||
| translations | 1. to your bank card | 1. 2/0 | max 9 | |
| 2. data required for translation | 2. card number - 5, card numbers and expiration date - 3, everything else - 0 | |||
| 3. translation speed (time) | 3. within an hour - 2 | |||
| during the day - 1 | ||||
| next day - 0 | ||||
| deposits | 1. possibility of opening a deposit | 1. 1/0 | max 3 | |
| 2. replenishment of the existing deposit | 2. 1/0 | |||
| 3. possibility of transfer to card | 3. 1/0 | |||
| loans | 1. online application | 1. 1/0 | max 7 | |
| 2. online receipt | 2. 5/0 | |||
| 3. loan repayment | 3. 1/0 | |||
| additional features | 1.online - application for card reissue | 1. 2/0 | max 18 | |
| 2. online card blocking | 2. 2/0 | |||
| 3. ability to enable/disable SMS notifications | 3. 3/0 | |||
| 4. confirmation of payment (checks) (stored + can be printed/sent by mail) | 4. checks are available (1), can be sent to the post office (2) | |||
| 5. working with the map | 5. search for the nearest branches (ATMs/POVs) + detailed information on them + the ability to build a route - 3 | |||
| 6. online card order | 6. 1/0 | |||
| 7.connection to 3-D Secure technology | 7. 3/0 | |||
| 8. Information desk (courses, branches, ATMs) | 8. 2/0 | |||
| Feedback | 1. communication with the bank (channels) | 1. 1 point for each channel (maximum 5 points) | max 15 | |
| 2. communication with the bank (response time): general question | 2. up to 5 minutes -5 points | |||
| up to 30 minutes - 3 points | ||||
| over - 0 points | ||||
| 3. communication with the bank (response time): technical issue | 3. up to 5 minutes -5 points up to 30 minutes - 3 points over - 0 points | |||
| number of mistakes | 1. number of errors | 1. 0 errors - 5, 1 error - 3, more than 1 error - 0 | max 5 | |
| personal opinion | 1. general impression | 1. maximum 5 | max 5 | |
| Maximum points | max 100 | |||
With the development of the banking sector, Internet banking services have 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 log in via a 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:
- Appear at a Sberbank branch with your passport.
- Contact the cashier or the employee responsible for connection.
- A bank employee will draw up an application for connection of Internet banking services to the client. You must sign this statement.
- 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:
- Log in to your personal Internet banking account.
- Select the Transfers and Payments tab.
- Go to the item for the type of payment for services that is required.
- Enter the recipient's details and payment amount.
- Click the Finish button.
- Confirm with SMS password that the operation is correct.
- 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 funds and perform a lot of banking operations from your own computer or phone.
The use of banking services has become an integral part of the life of a modern person. For the convenience of clients, banks are constantly developing remote services. One of such resources is the online Internet banking offered by BPS-Sberbank. Using the service, users can make regular payments, control cash balances, and transfer money to other individuals without visiting the office of a financial institution.
Login to BPS-Sberbank online
Click to go to your personal accountRegistration in BPS-Sberbank
Starting to use the resource from BPS-Sberbank is available to clients who are cardholders, borrowers or depositors of the bank. You can go through the procedure directly at system login page BPS-Sberbank online.
Login page window with transition to registration Step-by-step registration on the resource is as follows:
You must also specify an email address; a letter with instructions for subsequent work in the system will be sent to it.
If the registration procedure is completed correctly, the client is automatically transferred to the main page of the Sberbank online shell.
The login and password cannot consist only of letters or only numbers; it is necessary to use a combination of such characters. Username from 6 to 20, code from 8 characters.
How to log into the BPS-Sberbank Internet banking system
Login to Sberbank online is carried out from the first page of the resource. The client must enter the login and password assigned when filling out the registration form on the site.
Login window The user is also invited to use the Demo mode of the resource to familiarize themselves with the capabilities of the service before starting its full use.
Access to Sberbank online and its uninterrupted operation is possible using the following browsers:
- Internet Explorer 32 and 64bit
- Opera
- Google Chrome from v.45
- Mozila Firefox
How much does internet banking cost?
Use of the functionality of the Sberbank online personal account is provided to clients of the financial institution on a paid basis. The cost of services is set by the company's current tariffs.
Table 1. Tariffs for BPS-Sberbank online
| Using cards through online banking | ||||
|---|---|---|---|---|
| Carrying out auto payments in favor of organizations | 0.05 BYN | For each posting | ||
| Receiving mini-statements for your card account | BYN | 0.5 | Information is provided for 7 days, displaying the last 10 payments | |
| USD | 0.25 | |||
| EUR | 0.2 | |||
| RUB | 15 | |||
| Transfer from cards to cards: | Other plastic holders from BSP-Sberbank | 2 BYN | Transferred in Belarusian rubles | |
| Other issuers in the Republic of Belarus | 1.5% of the amount (2 BYN/1 USD/1 EUR/60 RUB) | |||
| Cards from other banks | Acceptable for cards serviced through an international processing center. The debit occurs in the currency of the card account | |||
| SWIFT transfers from cards | U.S. dollar | 15 USD/EUR | Sending is possible to the accounts of individuals and legal entities | |
| Euro | ||||
| Urgent transfers from BPS-Sberbank cards to receive funds in the Sberbank group | 1.5% min. 30 rub. Max. 1000 rub. | Executed in Russian ruble currency |
Functionality of BPS-Sberbank
Home Screen Features
Main screen of your personal account of BPS-Sberbank online Directly from the page, the client can top up his mobile phone, go to the section with exchange rates, bank news and geolocation of ATMs and institution branches, and also use the “Personal Menu”.
In the “Personal Menu” field the following are available:
- history of operations;
- payment settings, including automatic ones;
- financial control;
- managing program settings;
- creating and viewing the status of applications sent to the bank;
- section with promotions from the organization and games.
You can perform a number of operations on open cards directly from the main screen, including:
- establishing the status of plastic;
- transfer between own accounts;
- statement and payment history;
- sending transfers and setting up automatic payments;
- SMS notification settings, connecting/disabling 3-D secure.
Card transactions on the main screen of Sberbank online Also, from the main section, the top line with access buttons, the client can go to the desired functional menu of the system.
Payments and transfers
The payments and transfers section is provided for paying for BPS-Sberbank services and providing the client with the opportunity to make transfers from their accounts to the following directions:
- repayment of an overdraft or loan using plastic issued by another financial institution;
- transfer from a Sberbank card to another bank;
- replenishment of the deposit using third-party plastic;
- payment of utilities and other payments from cards of other banks;
- transfers to card and current accounts of individuals and organizations, both in Sberbank and beyond.
In the payments menu, the user will be able to pay not only for Sberbank services, but also use the “Settlement” system, make payments in one click, top up a mobile phone, the Internet, and deposit money for rent or utilities.
Payments and transfers with limited functionality Cards
In the “Cards” section, the client is given the opportunity to order a debit card from Sber, seek advice from the company’s employees, or order a certificate of the movement of funds in their accounts. Also from the page, as well as from the main page, the user can perform any actions with already open cards.
Section "Cards" of the bank online Deposits and accounts
The Deposits and Accounts page allows the client to manage their savings accounts. Available features include:
- viewing balances;
- when switching to the desired account, the user can generate a statement for the period he needs;
- display of account details and the conditions under which it is serviced by the bank, including an indication of the interest rate;
- opening a new deposit.
The user can also order a call from the bank to obtain information about their open accounts or about the institution’s new product.
Section "Deposits and Accounts" Loans
The page with credit programs makes it possible to monitor the status of current obligations to the bank in terms of mandatory monthly payments, repayment details, information about the available limit on revolving lines and overdrafts.
Loans section in your personal account Closed accounts
The section with closed accounts allows the client to receive archival information about those accounts that were closed no more than 6 months ago. It is possible to obtain more outdated information only by personally contacting a BPS-Sberbank branch in the territory of the Republic of Belarus.
Section "Closed Accounts" Other
The “Other” menu provides the user with the opportunity to go to one of the additional sections of the Sberbank online personal account:
- wallet identification on the Yandex.Money website using special tariffs;
- item "Insurance".
Wallet identification In the “Insurance” section, the client can apply for a voluntary accident insurance policy, view the conditions for products offered at bank branches, and also receive information on existing policies.
Page with insurance programs How to pay utilities
Through Sberbank’s online personal account, a client can pay regular payments, including utility bills, without wasting time and extra effort. To pay the rent or pay for the services consumed, it is enough to:
- Go to the "Payments" section.
- Select the required operation in the tree.
- Decide which card the payment will be made from.
- Enter your personal account and payment amount.
- Confirm payment.
For the convenience of paying for several transactions at the same time, just use the “One-button payment” service and select the necessary directions there.
Frequently sent payments can be added to favorites for ease of use, and in order not to forget about paying utility bills, the user can set up automatic sending of payments.
A personal account from BPS-Sberbank allows bank clients, individuals, to significantly save time on visiting branches. Through the resource you can solve a larger number of financial problems and take advantage of all modern banking services. To join Internet banking, you just need to be a holder of an institution’s plastic card and go through a simple registration procedure.
If you find an error, please highlight a piece of text and click Ctrl+Enter.
A special Internet banking service from BPS-Sberbank Belarus allows the user to remotely monitor their own accounts, as well as conduct various banking operations without leaving the computer.
Advantages
Internet banking allows an ordinary bank client to experience a whole range of service advantages:
- there is no need to personally visit a bank branch, you can forget about hours-long queues and carry out most routine operations at home, the main thing is that you have the opportunity to access the Internet. This is very convenient, especially if it takes too long to get to the nearest branch;
- the service allows you to make money transfers, pay for utilities, communications, and the Internet;
- if the card is lost or stolen, it can be blocked instantly;
- the personal account of BPS Sberbank is reliably protected from fraudulent activities via the Internet via the SSL protocol;
- there is always the opportunity to use online chat, which provides the user with the opportunity to quickly resolve an issue that is important to him at any time;
- making payments through your personal account is possible not only using Sberbank BPS cards, but also cards from other banks;
- the ability to order cards linked to any of the existing accounts is available;
- There is a convenient function for monitoring overdraft finances;
- work with Yandex.Money is available (even wallet identification, which allows you to increase its limits, can be done through your personal account);
- there is access to information not only on open, but also closed deposits or accounts;
- You can see all the addresses of Sberbank in Belarus.
Cooperation with BPS-Sberbank of Belarus has many advantages
Functionality
Thanks to the large number of functions, Sberbank online BPS allows you to perform many different functions.
Financial operations:
- payment for telephony, utilities, Internet access through the ERIP system, etc.;
- various payments to the accounts of individuals and legal entities;
- money transfers between users of Sberbank BPS cards and accounts in other banks;
- depositing funds to repay loans;
- obtaining information regarding the balance and movement of finances on any of the existing accounts;
- generation of bank statements;
- viewing reference data on exchange rates, whether there is a Sberbank nearby in Minsk, where ATMs are located and other information useful to the bank client.
In addition, the personal account will allow users to activate a number of the following banking services:
- SMS alerts, which Sberbank of Russia has long practiced, inform clients about what is happening with their accounts, which significantly increases security and guarantees the safety of accounts.
- “One-button payment” allows you to make periodic payments in one click using a saved online form, greatly saving the user’s time.
- “Automatic payment” - allows the bank to independently carry out payment transactions without client instructions for certain transactions. The list of such payments is determined by the user independently and can be changed if desired.
- Providing additional payment security thanks to the Verified by Visa and MasterCard SecureCode function, which allows you to carry out monetary transactions only with the help of confirmation with a one-time password, which the client receives via SMS message to his personal phone number.
Internet banking i.bps-sberbank.by allows you to perform various operations on deposits, including opening deposits and replenishing them, as well as transferring finances to metal accounts (this is a unique service of BPS Bank online).
It is also possible to maintain full control through the internal security system of accounts and cards:
- changing the access password to your personal account;
- blocking or canceling cards;
- selecting additional methods for confirming the operation being performed;
- viewing the authorization log and statements of accounts and deposits;
- selection of services displayed by default on the main page of your personal account.
A complete list of BPS-Sberbank branches is provided on the website
Service cost
A Sberbank card in Belarus allows you to use online banking services for free, however, the functionality is significantly limited. It is also possible to connect to a paid service, costing 7.5 rubles per year.
When choosing free service, only the following services are available to the user:
- information and reference system;
- "Automatic payment";
- SMS alerts;
- security systems Verified by Visa and MasterCard SecureCode.
If a client enters into a comprehensive service agreement with a bank, he will have access to all previously described services. Therefore, 7.5 rubles is a completely acceptable price for complete operational freedom throughout the year.
Internet banking connection
To gain access to online services, it is enough to be a bank client. Typically, payment card holders get access. Most often, these are salary cards that are used to pay for the household needs of citizens.
Access to the service is available to the card user after concluding a banking agreement at any of the offices. Registration is also possible without a personal visit to a bank branch. To do this, you will need to log into the bpsb.by website as a bank client. There is no need to install any additional programs; a computer with any modern browser installed is sufficient.
Client registration
To register a personal account, you will need to click on the “Sberbank-Online” button on the bank’s website, which is located in the upper right corner. In the window that appears, you must click on registration. The registration form includes the client’s e-mail, mobile number and personal data.
Registration in Internet banking
After pressing the “Continue” button, you will be required to enter your login and password. The procedure ends with confirmation using a code automatically sent by the bank to the previously specified phone number. Once confirmed, you can log in.
Registration form
Payment for services
To pay for services via online banking, you must log in to your personal account. Then, you should go to the payments and transfers section. Next, from the proposed list, select the service for which payment is required. After that, all you have to do is follow the instructions of the system.
For example, payment for health insurance is carried out as follows:
- you must select a health insurance payment item;
- In the window that appears, the payment type is set. Let it be “Payment of the first part of the insurance premium”;
- Next, select the debit card from which payment will be made and enter the name of the company with which the DSMR agreement is concluded;
- indicate the required amount and payer details, after which you need to click “next”;
- After checking the correctness of the information entered, you can complete the operation by entering the confirmation code and pressing the payment button.
A generated check will appear in the window that appears. It can be printed, emailed, or saved on your computer in PDF format. Also, the completed transaction can be added to quick payments to simplify subsequent payments.