What is a Halva card personal account?

The Halva card is one of the most convenient credit products today. You can use it to pay in partner stores, purchasing goods on an interest-free loan, essentially in installments for a whole year. In addition, you can store personal funds on the card, which can be used absolutely freely.

Halva personal account is practically no different from Internet banking, which is provided by other financial organizations. This resource is simpler; moreover, the entire main list of services is displayed to the user immediately upon login:

• The Halva card personal account does not require going through the registration process, much less entering personal data.
• If you have a Halva installment card in your hands, then you can get into your personal account without personal information such as login and password.
• To enter your personal account, you don’t even need to have a card issued by MTbank or Sovcombank on hand.
• You can enter your personal account by sending a corresponding short message with a code to the phone number specified during registration.

This point is very convenient, since users do not have to remember or write down a series of numbers or come up with passwords that are difficult to crack. When you have a Halva card in your hands, issued by both MTbank and Sovcombank, you can visit Internet banking even from a mobile phone, without having a personal computer at hand.

How is the security of your personal account ensured?

As soon as the Halva credit card appeared on the domestic market of banking products, a large number of disputes immediately arose. Many users immediately reacted to the Halva card with great distrust, since they were unusual in using banking that was not protected by an appropriate password. However, they clearly did not take into account that many fraudulent transactions were carried out with bank cards that were provided with serious security systems.

It is worth noting that registration in Internet banking often causes problems associated with hacking of personal accounts. In most cases, problems arise due to the following reasons, which usually depend on the human factor:

• disclosure of the password to third parties;
• recording the password and storing it near the personal computer;
• voluntary sending of this information to scammers.

In this regard, the absence of a password on halvacard.ru is rather an advantage than a disadvantage. Either the owner of the phone number or the person who has this device in his possession can get there. It should be borne in mind that the personal account provides rather limited functionality, so the cardholder, even in this case, will not suffer too large financial losses, which cannot be said about banking products protected by passwords and logins.

What can a personal account do?

Thanks to halvacard.ru, you can easily create your own personal account, but with its help it is not possible to make cash payments without using a card, and it does not provide a function for sending money transfers. In this regard, the capabilities of this resource remain very limited:

• The user can only view the amount of debt that has accumulated at the current time.
• If desired, the cardholder can deposit funds online, but only if the funds are transferred from a card issued by Sovcombank or Mtbank.
• You can also find out how much personal funds are currently stored on this card.
• If desired, the user can clarify how much he can spend from this card over the next month minus all credit payments.
• As part of this online banking, it is possible to track the movement of funds: the number of purchases, the amount paid for each of them, the time of replenishing the card, and so on.

The Halva card is a very convenient banking product, thanks to which you can save quite a significant amount on purchases. In particular, there is the possibility of cashback, which provides a return of 1.5% of the purchase when the purchase is not made in installments or on credit, but exclusively with personal funds on this card. In this regard, it is quite convenient to set up a personal account, and not use a service related to automatic repayment of installments - in this case, the user will be informed about the availability of funds on his card.

In addition, it is possible to independently develop an individual debt repayment schedule, due to which all bill payments will be made on time.

Has its own customer service via the Internet. This is not online banking and you cannot make payments here, but some useful features are available.

The address of the Halva Internet service is https://www.halva.by.

This is where the entrance to the personal account of the Halva card owner is located. Additional registration to use the Internet service is not required, you do not need to create your own “architecture”, and you do not need to enter transaction data.

The first page of the site looks like this:

The login window is like this:

Please note that logging into the system does not occur through a login and password, but using a phone. After entering the mobile number to which the card is linked into the form, a message with an access code is sent to this phone, i.e. there is no need to have a card in front of your eyes, or remember your login and password.

What is possible in the Halva card personal account?

Logging into the personal account of the owner of Halva means access to account data for a specific card and reference information.

Here you can:

• Find out the amount of current debt by installments;
• Go to the service of transfers from card to card of MTBank (https://perevod.mtbank.by ) to top up your card account;
• View the available balance of funds on the Card;
• Clarify the current installment limit, i.e. What other amount can be purchased in installments before repayment begins?
• Get transaction data - this includes all movements of funds on the card:

1. amounts of purchases in installments, their dates and names of stores;
2. data on Card payments using the client’s own funds in the same format;
3. information about account replenishment and funds transfer;
4. information on the distribution of deposited funds among accounts.

What is written about the distribution of accounts may require clarification. The fact is that the money credited to the Halva card is not immediately credited to the payment in installments, but is stored in the current account. On the 15th of each month, funds are automatically debited from the current account to repay the installment plan in the amount of the payment required at that time. This operation can occur earlier if the auto repayment service is activated.

As long as the deposited funds remain in the current account, you can use them to make payments and receive a 1.5% cashback (i.e., returning part of the paid amount back to the account).

As you can see, even such simple operations as payments and installment repayments have their own nuances.

Through your personal account it is convenient to make statements of purchases for the month and view the schedule of upcoming payments.

The main information in your personal account looks like this:

The list of transactions might look like this:

The repayment schedule is as follows:

Everything is presented clearly, accurately and without unnecessary details.

From your personal account you also have access to the “Promotions and Stores” section. There is an enormous amount of information here. There is information about all Halva’s partner stores, about promotions currently taking place, about products, etc. You can find out about this in other ways. But choosing a purchase by looking at the available card balance is somehow more serious...

Fund management on the Halva card can be integrated with, there are more possibilities here, they go beyond the installment card.

The first mobile application in Belarus that allows you to pay for goods and services in a retail chain using your smartphone with one touch on the terminal.

For what?

Comfortable:

Using a mobile application MTBankH.C.E. All your MTBank MasterCard PayPass contactless cards (except for the Hello, world!) card can be “recorded” to your smartphone. Thus, all of them will always be with you, and at any time, even without a card at hand, you can pay using your smartphone with the card you need in a terminal that supports contactless technology.

Fast:

Contactless payment technology using a mobile phone allows you to make a payment with one touch to the contactless payment terminal, thus using MTBankH.C.E. you will spend a minimum of time on calculations.

Safely:

In the application MTBankH.C.E. The data is securely protected and each transaction requires entering a secret password.

How it works?

Paying with a smartphone is very simple: launch the application MTBankH.C.E., select the card you want to pay with, enter your mobile PIN code, touch your phone to the terminal - and pick up your purchases.

Use the application MTBankH.C.E. possible via a smartphone with the Android operating system (at least version 4.4) and equipped with an NFC module. Such popular phone models as Samsung Galaxy S5, Sony Xperia, HTC One, LG G4 and many others have the necessary properties.

The application is free and there are no fees for using it.

Installation of MTBank HCE is done from the Google Play application store. To do this, find the Google Play shortcut, enter mtbank in the search bar, select MTBank HCE from the list of offers and install. Or use the direct link.

To make payments using the application MTBankH.C.E. You must first complete a simple registration. For binding you can use any MTBank card with the SMS notification function enabled.

1. After launching the application MTBankH.C.E. you need to register: enter the card number and CVC2 code (located on the back of the card), check the box confirming that you agree with the current Rules for the use of bank payment cards (link to the page with the rules) and the General terms of the agreement on the use of a bank payment card ( link to page) and click “Continue”.

2. After entering the data, you will receive an SMS with a confirmation code to the number to which SMS about completed purchases with the card are sent.

3. After entering the code from SMS, you need to create a password for the application and a mobile PIN. The first is necessary for editing previously entered data and performing service functions in the application, the second is for making payments.

4. After entering all the data, you will have the opportunity to create a virtual card in the application as a duplicate of an existing MasterCard PayPass card and you can make payments!

If you have a Halva MTBank card, your personal account will allow you to find out all the information and manage your account comfortably. But in addition to the LC, you should also study the conditions for this product.

Halva is a fundamentally new product. This is an installment card that allows you to receive goods and pay for them over a certain time. In the territory of the Republic of Belarus, MTBank provides its services.

Peculiarities:

1. The maximum duration of return is 12 months.
2. The duration of the installment plan is determined by each store when selling.
3. There is contactless payment technology to facilitate interaction with the card.
4. Many stores and companies across the country are connected to the system.
5. The network continues to expand.
6. You can not only use the limit, but also store your own funds.
7. When paying with your own money, 1.5% of purchases are returned.
8. Repayment of the installment plan occurs in equal installments. The amount is divided by the number of months.
9. The card is easy to use and will replace a credit card.

Halva MTBank card: personal account and registration

A personal account has been created to manage your account and obtain information of interest. What are the advantages of LC?

Your personal account is simple and highly functional. The cardholder needs to visit him from time to time to find out basic information, check the debt and limit.

Is registration required?

There is no need to register with LC. When you issue a card, your main phone is linked to it. Afterwards, it is used to authorize the service and log into the personal account.

It is important that when changing your phone number you will need to contact the bank directly. You need to ask to correct the data and link a different number to the account. Submit the appropriate request to the institution in a timely manner so as not to be left without access to the personal account.

You don't have to create an account. Access to the personal account has already been prepared for each card. All you need to do is go to the portal and log in.

Login to your personal account

Using the Halva MTBank card, logging into your personal account is easy. You will need:

1. Go to the product website.
2. Enter card details.
3. An SMS with a code will be sent to your phone.
4. Enter your login password.

Is this authentication method safe?

The password is easier to crack. You can pick it up using programs or use phishing and Trojans to collect information on your computer. Therefore, the likelihood of a personal account being hacked is much higher.

The SMS code is generated with each request. It is fickle and much more difficult to pick up. Many banks have switched to two-factor authentication using messages.

Of course, you can intercept the password using viruses on your smartphone. But if you install applications from reliable sources, then the likelihood of getting a spyware on your device is minimal. In all respects, authorization via phone wins compared to passwords.

If you use the Halva card, be sure to go to the LC. In your account you can find out about upcoming payments, the system automatically performs the calculation.