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 banking operations, which previously could only be done 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:

1. Come to the branch of Sberbank with a passport.
2. Contact the cashier or the employee responsible for connection.
3. The bank employee will draw up an application for connecting the Internet banking service to the client. This application must be signed.
4. 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:

1. Log in to your personal internet banking account.
2. Select the Transfers and payments tab.
3. Go to the item of the type of payment for services that is required.
4. Enter the details of the recipient and the amount of payment.
5. Press the Done button.
6. Confirm the correctness of the operation by SMS with a password.
7. 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.

44.5 points out of 70 possible.
Infobank.by continues to test Internet banking from Belarusian banks. Today is the turn of the application from BPS-Sberbank. So far, it is gaining the most points. However, to say that we are completely satisfied is impossible ...

Why go to the bank and stand in line if you can make all the necessary payments without leaving your home? We continue to test the Internet Banking service.

BPS-Sberbank is next in line today.

"Internet Bank" is connected in the division of BPS-Sberbank when issuing a card. After connecting, you can immediately use the service. To log in, you will need a username and password that you create yourself.

This is much more convenient than issuing a username and password at an ATM, because you do not have to remember a random set of characters.

The main menu consists of five sections:

• Statements
• Cards
• Payments
• Translations
• Service

In chapter "Statements" you can get an online - report (mini statement), card-account statement or account statement.

In point "Online report (mini-statement)" information is generated on debited or blocked amounts - the last 10 transactions made using the card or its details, but no more than 7 days.

Note that this service is paid, its cost will be 1,250 Belarusian rubles / 0.2 US dollars / 0.15 euros / 6 Russian rubles.

In point "Statement on card accounts" you can generate a statement for the last week, month or for a certain period for any of your cards.

But an account statement is provided if you have a bank account. We didn’t have one, so we couldn’t find out what was in this item.

Let's move on to the study of the section "Cards".

In point "Archive of statements" your service requests are displayed bank cards points. In other words, operations for activating the card, connecting SMS alerts, and others will be displayed here.

Paragraph "Card Actions" allows you to activate, block and unblock cards.

In points "SMS Alert" And "SMS banking" you can activate or deactivate these services.

Paragraph "Protection on the Internet" allows you to enable/disable Verified by Visa services — for Visa cards and MasterCard SecureCode for MasterCard cards. These are technologies for conducting transactions on the Internet in a secure mode, which make online purchases more secure.

You can also connect the TV-banking service, which allows you to make payments remotely, receive reference information about the account status and perform other operations.

You will be able to use this service through interactive television "ZALA". The cost of connecting the service is 5 thousand rubles.

In point "Internet banking" can pay annual maintenance in system. Recall that its cost is 75 thousand rubles.

Item names "Passwords mobile applications» And "Name the map" speak for themselves.

Let's go to the section "Payments".

Service "Signed Payments" allows you to facilitate the making of periodic payments by collecting the details of all payments in one menu.

For example, you regularly pay a fee for visiting kindergarten and included this payment in "Signed Payments". Next time, to make a payment, you can simply go to this item and select desired service, which will free you from searching in a huge payment tree ERIP, as well as entering a phone number, personal account or contract.

Also item "Payment for services" allows you to make payments in the "Settlement" system, repay a loan, pay for bank services and perform other operations.

Menu item "One button payment" is intended for simultaneous payment of several services within one transaction. Services you can choose from recently paid and signed payments.

In point "Archive of Operations" you can study the history of payments, and for any of them - open and print a receipt.

Paragraph "Give a name to the payment" will give a name to any subscribed service.

In point "Automatic payment" you can create/edit/delete a payment schedule, but only for services that are in a group "Signed Payments".

Chapter "Translations" allows you to make transfers between your cards or cards of different persons, but within the same bank.

In chapter "Service" you can change your password, fill out an online application for issuing a card, ask a question to a bank specialist. We have compiled a list of transactions (if any) that will be considered when testing the Internet Banking service:

• Mobile payment
• Internet payment
• Payment of utility bills
• Transfer from card to card
• Applying for a loan
• Opening a deposit
• Feedback from the bank

To pay for the services of a mobile operator, you must perform the following actions: Payments Payment for services Mobile phones Mobile operator, enter the phone number.

In the next window, you are asked to check the correctness of the data and enter the amount to be paid. Here you can decide whether to add or not add this payment to "Signed Payments" or in "Last Paid".

In the next window, you must confirm the operation - enter the SMS code. An SMS code will be sent to your phone, it must be entered no later than 360 seconds after receipt.

Internet payment

To pay for the services of an Internet provider, go to the section Payments Payment for services System "Settlement" Internet, Television, select an Internet provider, enter the personal account number.

After entering the SMS code, the operation is completed.

Rent

To pay the rent, we follow the following algorithm: Payments Payment for services System "Settlement" "Minsk City" Utility payments "Kv.plata, water, other utility services" personal account number.

After the personal account number is entered, a window appears with the name of the owner, the address of the apartment and the accrued amount. You can pay any amount, regardless of how much you have accrued.

And again, to confirm the payment, you need to enter an SMS code.

Transfer from card to card

You can make a transfer from card to card using the section "Translations". This section allows you to make transfers both between your own cards and to the cards of other persons. Translation can be done in Belarusian rubles or in foreign currency.

The commission for transferring to another person's card will be 2% (minimum 5 thousand rubles).

To transfer, you must enter the card number (16 digits) to which you want to send funds and its validity period. Please note that minimum amount for transfer - 20 thousand rubles.

Contact with the bank

We sent our message at 10 o'clock in the morning, but no one answered it by the end of the day.

However, there is a warning on the bank's website that the appeal can be considered no later than 15 days.

In addition, the client can send a message with a complaint using the service "Complain".

If you have any questions about the operation of the Internet Bank or banking services, you can contact an online consultant for help.

Unfortunately, we could not send an application for a loan or open a deposit online.

General impression. Working with the BPS-Sberbank Internet Bank is easy. I didn't have to wander long in search of this or that function. Frustrated by the large number of transitions required to make payments. It would be possible to move "Last paid" or the most popular services to the main menu to save users time.

Unfortunately, the information part of the Internet bank, as such, does not exist at all. We did not find here any information about branches, nor exchange rates. True, there is news, but they are not relevant. The last date is February 12th.

To summarize:

Connection

1. Offline connection - 1 point
2. Connection is carried out immediately, but the point is removed for the time spent on the road to the department and back - 1 point
3. The connection is made immediately. The time after which you can use Internet banking is equal to the time spent on the road - 3 points

Convenience

1. Simple authorization mechanism, login and password are enough to enter - 2 points
2. Transactions require a large number of transitions (more than three in all cases) - 0 points
3. No quick access to frequently used operations - 0 points
4. Session passwords come via SMS - 2 points
5. Convenience of working with ERIP. There were no problems. Plus there is a search for ERIP - 2 points
6. You can change the password for this, just enter a new and old one (the new password must contain from 6 to 20 characters) - 1 point

Payments

1. It is possible to create an auto payment - 2 points
2. There is a search in the history of payments. Search by period, payment method, amount - 2 points
3. There is a function "arbitrary payment" - 1 point
4. You can create payment templates, assign names to payments - 2 points
5. There is a "one-button payment" function - 1 point

Translations

1. You can make transfers to cards within the same bank - 1 point
2. It is possible to transfer in another currency - 1 point
3. To transfer, the card number and validity period are enough - 3 points
4. High translation speed - 2 points

Deposits

1. There is no possibility of opening a deposit - 0 points
2. There is no way to replenish the deposit - 0 points
3. There is no possibility of transferring a deposit to a card - 0 points

Loans

1. It is not possible to leave an online application for a loan - 0 point
2. Online - obtaining a loan is not possible - 0 points
3. You can repay loans from both BPS-Sberbank and other financial institutions - 1 point

Additional features

1. You can make a statement for any period you need - 2 points
2. You can block the card online - 2 points
3. No ability to manage limits - 0 points
4. Checks are kept. You can print any of them at a convenient time - 2 points
5. You can enable / disable SMS alerts - 1 point
6. You can order a card online - 1 point
7. You can activate Verified by Visa services - for Visa and MasterCard cards SecureCode - for MasterCard cards - 1 point
8. There is no information about the addresses of branches, information kiosks and ATMs, exchange rates - 0 points

Feedback

1. You can write a message to the bank and use the chat with an online consultant (2 communication channels) - 2 points
2. No reply to message - 0 points

The minimum waiting time for a response in the chat is 3 points
Outcome: 1.5 points

1. No channels of communication with technical support - 0 points

Personal opinion

1. Overall user experience - 4 points

The result of testing Internet banking from BPS-Sberbank: 44.5 points out of 70 possible.

Evaluation Criteria for Internet Banking
connection		ease of connection (accessibility) 1. online, offline 2. immediately or after a while 3. connection time (min) How long can you use	1. 2/1 2. 2/1 3. up to 20 min - 3 up to 40 min - 2 up to an hour - 1 more than an hour - 0	max 7
convenience		1. authorization mechanism (login and password are enough to enter or something else is needed) 2. convenient navigation, the number of transitions to complete the operation: - pay mobile - pay utilities + electricity - pay for internet (ByFly) 3. availability of quick access to frequently used functions 4. session passwords (cards, sms) 5. convenience of working with ERIP (search) 6. convenience of changing, password recovery	1. 2/0 2. 1 transition - 3 2 transitions - 2 3 transitions - 1 over 30 4. sms - 2 cards - 0 5. 2/ 0 6. 1/0	max 12
Functionality	payments	1. the ability to create an auto payment 2. availability of payment history 3. Availability of free payment function 4. the ability to create a list of your payments, rename (templates) 5.one button payments	1. any payment without restrictions - 2 there are restrictions - 1 no such function - 0 2. history search + time period setting + visualization - 2 3. 1/0 4. 2/0 5. 1/0	max 8
	translations	1. to your bank card 2. to your bank card in other currencies 3. amount of data required for translation 4. translation speed (time)	1. 1/0 2. 1/0 3. enough card number and expiration date - 3 card number + expiration date + full name - 2 account number, etc - 1 4. within hours - 2 during the day - 1 next day - 0	max 7
	deposits	1. the possibility of opening a deposit 2. replenishment of the existing deposit 3. possibility of transfer to the card	1. 1/0 2. 1/0 3. 1/0	max 3
	loans	1. online application 2. online receipt 3. loan repayment	1. 1/0 2. 1/0 3. 1/0	max 3
additional features		1. extract 2. online card blocking 3. setting and adjusting limits 4. confirmation of payment (checks) (stored + can be printed / mailed) 5. enable / disable SMS alerts 6. online card order 7.Connection to 3-D Secure technology 8. Information (courses, branches, ATMs)	1. for any period - 2 for a specific period - 1 no - 0 2. 2/0 3. 2/0 4. 2/0 5. 1/0 6. 1/0 7. 1/0 8. 2/0	max 13
Feedback		1. communication with the bank (channels) 2. communication with the bank (response time) 3. communication with technical support (channels) 4. communication with technical support (response time)	1. 3 channels or more - 3 2. up to 2 hours - 3 up to 5 hours - 2 up to 8 hours - 1 over - 0 3. 3 channels or more - 3 4. up to 2 hours - 3 up to 5 hours - 2 up to 8 hours - 1 over - 0	max 12
personal opinion		general impression	maximum 5	max 5
Maximum Points				70

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. 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 transfers are the strength of the bank. 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

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

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
		on the map foreign bank	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 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

What is BPS internet banking? BPS Bank provides all citizens who want to manage their finances on their own and carry out operations at any time of the day.

What is BPS internet banking: login

https://i.bps-sberbank.by/

The bank has the following options:

• Obtaining timely reports on the amount of funds in the account, on the operations performed.
• Use up-to-date information without delays, errors and typos.
• Make utility payments. Moreover, these actions will take a minimum of time.
• It is possible to pay for services mobile operators, i.e. replenish the account.
• Make internet payments. In BPS Internet banking, you can create templates that store information about previous payments.
• Work with personal deposits.
• It is possible to block the card if it has been lost.
• Make deposits.
• Change data in your personal account.

The financial institution is expanding the number of partners. Therefore, in your personal account you can book air tickets, pay taxes and much more.

Also, customers can insure property online.

Translations

There is a service called "urgent translation". A citizen can send money instantly.

According to MONEYGRAM, BLIZKO, KOLIBRI, Western Union transactions are carried out individuals not related to business activities stu.

There is a service called "Translate for me". The card must have 3-D Secure protection. It assumes that all actions will be confirmed using SMS messages. The company sends them every time, or appoints the only one.

http://www.bps-sberbank.by/online/ru.personal.service_give_me_money-html

How many problems have been solved with the advent of the Internet? Today, we can not only communicate on a social network with any person or friends around the globe for free, but also perform a number of banking operations without getting up from the sofa or office chair.

Many entrepreneurs a few years ago did not even dream of paying bank accounts on the job, replenishing credit cards and independently monitor the completed banking operations. Today, the service provided by BPS Bank Internet banking is used by thousands of holders.

The most valuable thing every busy person has is time. BPS-Bank values ​​your time and money, so any client can use the service that allows you to manage your accounts without leaving your home or office. Permanent communication with the bank is supported by the remote access system "BS-Client v.3".

The client base of BPS-Bank consists not only of individuals who use Internet banking to pay public utilities, phone, internet and more, but also out largest enterprises countries.

Not all bank customers trust payments via BPS Internet Bank. Today, there is still a popular opinion that you need to keep money in three-liter jars or deep under the mattress, and with plastic card scammers will steal them. Funny, isn't it? You don't have to worry about the reliability of your money, because the BS-Client v.3 system includes several levels of protection that will prevent unauthorized third parties from entering the user's personal account. All information that is on the card, which serves this card and its owner.

Online services of BPS Bank

Without leaving home, via the Internet system, any client of BPS-Bank can use the following services:

• SMS - banking. With its help, the holder of a bank account plastic card easily make the necessary payment transactions using a mobile phone and a positive balance. To use the service, it is not necessary to have an expensive mobile phone, the service is available to any bank client who has connected SMS-banking to his number.
• SMS notification. The service allows you to control any operations on your bank card. Immediately after any payment or transfer, an SMS notification will be sent to your mobile phone with the amount of the payment and the commission for the transaction (if a commission was provided for the service).
• USSD banking. Allows you to top up your mobile phone account if the subscriber is blocked or outside the country.
• Online deposit. BPS-Bank customers do not have to go to the office financial organization to conclude an agreement on opening a deposit account. You can make a contribution using your bank card. Deposits can be opened in Belarusian rubles and foreign currency.

Internet BPS-Bank has already been appreciated by several thousand bank card holders. When concluding an agreement, it is necessary to clarify with a bank specialist whether additional commissions are charged for payment and other banking operations.

Advantages of online payments:

• saving time, you no longer have to leave your workplace to make the necessary payments;
• your payments are securely protected not only with a password and code, but are also confirmed by SMS;
• it takes a minimum of time for the client to process documents;
• any calculations are carried out through filling out documents, which eliminates the errors of specialists when making a payment. Save your time and increase your funds with BPS-Bank.