Internet banking from BPS-Sberbank: many opportunities, but there are also paid ones. Online statement BPS-Sberbank BPS online payments

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

1. Connection occurs via the Internet - 2 points
2. Connection is carried out immediately as soon as you register - 2 points
3. You can use the service immediately - 3 points

Convenience

1. To login you need a login and password - 2 points
2. To pay for mobile, Internet provider and utility services, you need to make 3 transitions - 1 point
3. There is quick access to frequently used functions (fast payments, last paid) - 2 points
4. Session passwords are sent via SMS - 2 points
5. Limits cannot be managed - 0 points
6. Balance is available on the main page - 2 points
7. You can change your password in the system - 3 points

Payments

1. You can create automatic payments - 2 points
2. There is a payment history. There is a search for payments - 2 points
3. There is a function “Custom payment” - 3 points
4. You can create “Quick payments” and rename existing ones - 2 points
5. Payment occurs in real time - 5 points
6. There is a “One-button payment” function - 1 point

Translations

1. You can make transfers to your bank cards - 2 points
2. Data required for transfer - card number and card expiration date - 3 points
3. Speed ​​of transfers - within an hour - 2 points

Deposits

1. You can open a deposit in Internet banking - 1 point
2. You can replenish deposits in the Internet bank - 1 point
3. In Internet banking you can transfer deposits to a card - 1 point

Loans

1. You cannot leave an application for a loan online - 0 points
2. To obtain a loan, you must contact a bank branch to draw up and sign documents - 0 points
3. You can repay loans through Internet banking - 1 point

Additional features

1. There is no online application for card reissue - 0 points
2. You can block your card online - 2 points
3. You can connect SMS notifications - 3 points
4. Receipts are kept. They can be downloaded, printed, sent - 2 points
5. When working with a card, indicate the location of the bank branch and operating mode - 2 points
6. You cannot order a card online - 0 points
7. You can connect and disconnect 3-D Secure - 3 points
8. There is information about exchange rates, branches and ATMs - 2 points

Feedback

1. There are 5 communication channels for communication with the bank - 5 points
2. Waiting time for an answer to a general question - 56 seconds - 5 points
3. Waiting time for a technical question - 56 seconds - 5 points

Errors

1. There were no errors - 5 points

Personal opinion

1. 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

A few years ago, no one could even think that it would be possible to use Internet banking. Back then no one even knew such words. Today, most people understand these expressions, and they use them very often in their lives. How to log in to BPS Sberbank Internet banking?

Ease of learning

In order to take advantage of all the capabilities of this system, you must register. This procedure will not take much time. But it’s better to plan your trip to a bank branch in advance. Sometimes there are queues at these places. Clients may have a variety of questions that are best answered right away. Bring your identification documents and personal card with you. Before signing the agreement, it is better to read everything carefully if you do not want any questions or unforeseen situations to arise in the future with the withdrawal of funds from the card. Ask the bank representatives about everything in detail; they will be happy to answer everything that interests the client. After signing certain documents, you will also need to fill out an application indicating consent to the processing of personal data. When these actions are completed, a number of special functions will open to the customer that can be used at any convenient time. Bank employees will issue a personal login and password and create a new account. Do not share your login information with anyone in the Sberbank BPS system. It contains a lot of useful information that it is better for only the main person to know about. But don’t forget this information yourself. If you write the wrong numbers and letters three times, your account will be blocked for a certain time.

Useful features

By logging into a personal account, a Sberbank BPS client opens many functions for personal use that were previously available only at bank branches or after calling the phone line.

Need to transfer funds? Does it need to be done urgently? Is it midnight? These are the advantages of registering for Internet banking. You can make a transfer at any time of the day. The user can do this without paying an additional commission.

How to deposit funds to a subscriber's number? By installing the BPS Sberbank application and logging into the system, topping up your account or one of your family members will not be difficult. There is also no commission.

Thanks to such useful features, the number of customers and positive reviews is growing every day. But the list doesn't end there yet.

What to do if the card is lost? It is necessary to immediately block it so that information from it does not get to scammers. Internet banking or an application comes to the rescue, where you can block the card when a loss is detected. Now you don't have to look for a hotline number.

Always be aware of how much money is stored on the card. Internet banking and the Sberbank BPS application will help with this. It is easier to control your account when there are such useful functions. No more trips to ATMs to get information about your income, no more checks in your wallet or bag.

How to make your funds work? The best option would be to open a deposit. This can be done with just a few clicks on your personal page. There the client will receive all available information about possible interest rates and conditions. When is the best time to top up your credit account? On what day should the mandatory payment be made? The user will find out all information about accounts by logging into the Sberbank BPS personal account. Also on the same page you can place a time deposit with instant payments. Another way that brings real profit is investing in coins and metal accounts. Their value is growing every day, so those who do it on time will receive a good income.

How can you refuse such opportunities? Instant work with a card in BPS Sberbank is possible for anyone who logs into Internet banking. Stay confident in your funds by managing them when it's convenient and at any time of the day.

Provides its clients with a huge number of services. The page tells you how to pay for Rostelecom services. And it tells about ways to check the balance of a bank card.

BPS Sberbank is the official mobile banking for Sberbank clients from the Republic of Belarus. This application provides the ability to conveniently manage personal finances. It provides round-the-clock access to accounts, loans and deposits, and also helps to check the card balance and transfer funds to cards of Belarusian and foreign banks.

Internet banking

You can use Sberbank BPS anywhere in the world. The application completely replaces a bank terminal and helps you perform financial transactions without visiting bank branches. Using the appropriate menu items, you can buy currency, make a transfer, set limits on cards and accounts, contact support, find the nearest ATM, and even get expense statistics.

Yes, the application not only performs the functions of mobile banking, but is also your personal finance manager. By monitoring the statistics, you can find out where the bulk of your monthly budget “goes” and reduce unnecessary expenses.

Payment for services

Like any other mobile banking for Android, BPS Sberbank allows you to pay for utilities, mobile services, Internet, television and other services from more than 50,000 company partners. With its help you can even pay taxes, state duties and fines.

Key Features

• allows you to manage cards, deposits and accounts in BPS Sberbank;
• provides detailed statistics on account expenses;
• serves to pay for housing and communal services, fines, mobile communications and the Internet;
• has a pleasant interface in corporate light green tones;
• makes it possible to manage limits and block cards;
• includes a map with the location of the nearest ATMs;
• Works even with relatively old versions of the Android operating system.

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 some kind of product, for example, a card or a deposit.

In my case, this is 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. 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 the full version of the system.

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" is certainly a useful function, 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 transfers are the bank’s strong point. 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 - we were unable to order a call and personal consultation 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!

Evaluation criteria for online 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 log in 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
		availability of quick access to frequently used functions	2/0		2
		session passwords (SMS/cards)	2 / 0		2
		connect/disconnect 3D Secure	yes/no 5/0		5
		connection/disconnection of SMS notifications	yes/no 5/0		5
		ability to manage limits	yes/no 5/0		5
		Is there any information on tariffs and commissions for the card?	yes/no 5/0		5
		list of card transactions in “day to day” mode	5/0		5
		ability to change PIN code	10/0		0
Functionality	payments	possibility of creating automatic payment	1/0	max 42	1
		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 receipts	1/0		1
		you can print/send checks	1/0		1
		You can make a repayment from a check	2/0		2
	translations	to your bank card (without ERIP)	2/0		2
		to a card of any bank in Belarus (without ERIP)	5/0		5
		to a foreign bank card	3/0		3
	personal financial manager service	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 issuing 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), payslip (+2 points)		4
Feedback		Is there a bank phone number (yes/no)	2/0	max 12	2
		available online - real-time support, chat (yes/no)	10/0		10
personal opinion		general impression	no points
Maximum points				125	111

Internet banking BPS Sberbank in the Republic of Belarus is an intuitive web interface of the bank’s customer self-service system. This article tells you how to register and log into your Personal Account.

In your personal account you can

• Find your nearest branches and ATMs
• View exchange rates
• Get information about cards, accounts and loans
• Make an extract for a certain period
• Repay the loan and make a payment
• Transfer money between your cards and to cards of clients of other banks
• Set up auto payment

BPS Sberbank Online: registering a new user

BPS-Sberbank clients who have a valid bank card and a phone number of a Belarusian mobile operator (or an identity document) can register for Internet banking.

Registration and login is performed at www.bps-sberbank.by/loginsbol. To begin the registration procedure, under the login and password entry form, click on the “Registration” link.

At the first stage of registration, you need to enter your mobile phone number and payment card number or identification number of the client’s identity document. After providing the required information, click “Continue.”

At the second stage, come up with a username and password, a payment password and confirm the data with the code from the SMS message, which should arrive on your phone number specified in the previous step.

There are hints next to each data entry field, read them carefully and you won’t go wrong.

Check the box next to I agree with the agreement for the provision of services “Sberbank Online”, “Mobile Bank” at OJSC “BPS-Sberbank” and click the “Register” button.

After registering, you will be taken to the Main page of your personal account.

BPS Internet banking: login

Let's look at the functionality of your personal account.

Home page

On the main page of BPS Sberbank Online there is a list of cards, accounts, loans and deposits available to the client.

Payments and transfers

This section consists of 2 subsections: Transfers and Payments.

Using the services “Transfer between your cards” and “Transfer to a bank client”, you can transfer money from one of your cards to another or a client card of another bank, respectively.

The “Payments” subsection consists of: “One-button payment” (payment for several services within 1 operation), “An arbitrary payment using details”, “Payment for services in Sberbank Online” (payment for RBS of the bank - remote banking service), access to the ERIP system (Unified calculation and information space).

Below is the “Custom payment” and “One-button payment” window.

This is what “Payment for RBS” and the “Calculation” System of ERIP looks like.

This section contains information on active cards and their balances. You can make one of the cards a payment card, set up an SMS alert and block the card.

All current accounts and deposits of the client are located here. You can see the balance on them, make an extract and top up your account.

The “Loans” section displays the amount of the next payment and the total amount due. The menu functionality allows you to repay the loan (monthly payment).

Accounts closed within the last 6 months are displayed.

When using Internet banking BPS Sberbank Online, remember that a password is required to log into the system. If you are asked for other information (bank card number, mobile phone number, personal data), immediately exit Sberbank Online and contact the bank.

You can call the BPS Sberbank Contact Center by phone:

• 148 – from fixed and mobile networks of the Republic of Belarus
• (+37529) 5-148-148 – from abroad