When paying with cards, their holders can receive bonuses in the amount of 1% and 5% of purchases made. When enough B&N Bank bonuses have accumulated, how can you use them? We will find the answer in the description of the Binbonus program in this article.

About the program

Binbank Bonus is a loyalty program that allows holders of credit and debit cards of Binbank (and the former MDM Bank) to accumulate points from purchases in a certain category. They can then be spent on goods and services in online stores and in retail outlets Worldwide.

In order not to forget about the possibility of compensation, a bank client can activate the “Autospend” service in his personal Internet banking account.

Terms and rules of the bonus program

Pay for purchases with a card and receive interest on their value.

Plastic cards belonging to a certain payment system, status and tariff plan. The card holder must activate one category from the list offered within the program:

• online stores – payment for household, haberdashery, household or food goods;
• tourism – purchasing air and railway tickets, paying for hotel rooms, car rental;
• entertainment sphere - going to the cinema, theatre, restaurants, nightclubs;
• car – payment for car service, gas station, car wash services;
• healthy lifestyle and beauty - visiting a spa, fitness club, swimming pool, purchasing pharmaceutical products, paying for healthcare services.

Connecting to the loyalty service is free, immediately after activating one of the above groups.

To start accumulating points, you need to pay with a card and receive cashback in the amount of:

• 5% from the purchase of any goods and services in the selected group;
• 1% on other purchases.

Using several cards from B&N Bank or the former MDM Bank, you can accumulate even more bonuses. Choose at this time different categories for each card is not possible - activated in personal account the group of goods and services will be valid on all customer credit cards.

Once a month, the bank will credit the user’s single bonus account with no less than 100 and no more than 3 thousand points, while no more than 1.5 thousand points can be paid for purchases in the category.

You can read all the conditions in the rules bonus program.

Bonus category activation

To choose one of several categories, you must use the following services:

• Internet banking;
• hotline jar;
• specialist at the nearest branch.

Only one group of products can be activated at a time, even if the client has several cards. If desired, the consumer can choose another category, and the number of shifts has no restrictions. Each new choice will cost the user 250 rubles.

After submitting an application to replace the preferred group of goods, until the end of the month the client will continue to receive bonuses in the amount of 5% for the previous category, and from the beginning of the next month - for the new one.

You can find out your current category in the following ways:

1. In your personal account on the website binbank.ru.
2. In the mobile application.
3. From a specialist in the department.
4. By number help desk 8 800 200-50-75 .

Categories of paid goods or services cannot overlap with the “Online purchases” group. For example, if a customer purchased air tickets online, 5% of the amount spent will only be credited to the Travel category, if activated.

To get an approximate calculation of points based on the cost of purchases made during the year, you can use a simple calculator. Visit the “Cards” page on the company’s official website, where you can find the “Bean Bonus” button to go to the description of the loyalty program.

Calculate your benefit!

Cards with cashback program

Let's move on to the question of which Binbank cards have cashback under the Binbonus program:

• credit cards with “Platinum”, “Black”, “Comfort” and “All Inclusive” tariffs;
• debit cards with “Classic”, “Universal” tariffs, including those issued for deposits or for payroll, as well as “Pension” and instant “B&N Bank Platinum”;
• plastic payment products Visa systems and MasterCard from ex-MDM Bank with Standard/Classic, Gold, Platinum and MasterCard World status.

If the client owns a Binbank card and a card of the former MDM Bank, he can receive bonuses when paying for goods with both cards. However, he will be able to use points only to compensate for goods for which he paid with a B&N Bank credit card. If a consumer only has MDM Bank products, he can also use them for spending.

BinBonus connection

Connect the category you like and save.

The process of connecting to the Binbonus loyalty program in the BinbankOnline 2.0 remote service:

1. Log in to your personal account on the bank’s website.
2. Activate the Beanbonus program by clicking on the corresponding button on home page service, next to the “My Finances” button.
3. Choose from five categories.

If any errors occur when logging into your personal account from a personal computer, you should switch to the new version of BinbankOnline 2.0. or contact a branch of a financial institution with a passport to connect.

Accrual of points

Bonus rubles begin to accumulate immediately after activating one of the proposed categories. Points are awarded monthly.

Interest on paid goods and services is paid to a separate bonus account of the client on the second day of the month following the one in which the purchases were made.

Balance check

Every month, the program participant will receive SMS notifications with information about the amount of accumulated and paid bonuses. If you did not have time to read the SMS and deleted it, or your phone did not receive a notification, you can find out the number of points accumulated under the Beanbonus program using remote services:

• in your personal account on the website binbank.ru;
• in the mobile application;
• by calling the help desk.

Employees of B&N Bank branches are ready to provide all information about participation in the loyalty program. To receive a consultation, you must have your passport with you.

How to use bonuses?

Bonuses can also be used when paying for services.

The accumulated BinBonus points can be spent on online shopping or purchases in stores anywhere in the world. You can use bonuses to compensate for the cost of goods or services paid for with the card.

1. Wait until the purchase amount is debited from your card account (sometimes this process takes up to 3-5 days).
2. Open the list of goods or services in online banking or in the mobile application, the cost of which is allowed to be reimbursed.
3. Mark those items in the list for which you plan to pay with points.
4. Cash for the selected products will be returned to your card in exchange for the bonuses written off.

Rules for paying for purchases with bonuses

• compensation is carried out at the rate of 1 point = 1 ruble;
• You cannot pay only part of the purchase;
• the minimum cost of goods or services for compensation is 500 rubles;
• to pay off bonus rubles possible within a month after the purchase was charged.

Points cannot be spent on transfers to third parties, payments utilities, fines, taxes, mobile communications, etc.

“Auto-spend bonuses” service

In the BinbankOnline 2.0 personal account, a management mode for the Binbonus program is available, within which the client can control the accumulation of points, change the category, or enable/disable the “Autospend” service.

Thanks to the last option, the user can spend accumulated bonuses automatically, and previously spent money will be returned to the card account over the next few days. Auto-spending of B&N Bank bonuses is convenient for those who regularly make small purchases.

Connection of auto-spending is carried out for a period of 30 days. If the client is comfortable using the service, he should reactivate it monthly.

If you don’t know how to connect Binbank Online 2.0, you can activate the “Autospend” service by calling the hotline 8 800 200-50-75.

Video: B&N Bank card with cashback.

In 2017, absolutely any B&N Bank client has the opportunity to become a member of the Binbonus loyalty program. Her the main task– this is the accrual of bonuses on the bank client’s personal account for completed card transactions – this can be payment for a purchase or service. As practice shows, many people liked this decision, so its popularity has not subsided for a long time. After all, the accumulated Bean Bonuses can be used as real money - in the future they can be used to pay for goods, purchases and services. In this article we will talk in more detail about the Binbonus program from Binbank.

Rules and conditions for participation in the bonus program

The main condition that allows you to become a participant in the loyalty program that interests us is to have one of the B&N Bank cards:

• Pension.
• Salary.
• Instant.
• Classic.

How to activate the option from B&N Bank

To activate this option, the bank client needs to contact an employee at the branch, use Internet banking or contact the Unified Information Center for telephone numbers: 8 800 200-50-75 for regions and 8 495 755-50-75 for residents of Moscow and the region. Upon activation, the client must select only one category for which increased bonuses will be awarded.

For all purchases made during the calendar year, before joining the bonus program, bonuses will be awarded, taking into account all promotions at the time of purchase.

By visiting the official website of the banking organization, you can familiarize yourself with the latest news, program partners, conditions and rules (especially given that the loyalty program has undergone changes since November 1, 2017). On the site you must select one of the categories:

• Shopping online.
• Purchases related to sports, beauty and health - medicines, cosmetics, gym memberships.
• Recreation and entertainment – ​​visiting cafes, restaurants, clubs, theaters and cinemas.
• Car – fuel, services, interiors and spare parts.
• Trips.

They say that it is recommended to make your choice taking into account which of the above categories you spend most often. This, of course, is not the final choice - later, if you decide to change your initial decision, you can choose another category - however, the change procedure is paid and will cost 250 rubles.

How bonuses are awarded for purchases

Now we should talk about the rules by which bonuses are awarded as part of the Binbonus loyalty program from B&N Bank. You have chosen your category, and for purchases completed within it, you will receive bonuses in your account in the form of 5% of the amount spent. At the same time, other purchases are also bonused - only 1% is credited to the account.

Accrual, however, occurs only once a month - bonuses accumulate and drop into the account on the appointed day. The maximum monthly limit for such bonuses is set at 3000 (no more than 1500 within the selected category). Now let’s try to talk about how you can spend the accumulated bean bonuses according to current rules.

How to spend bonuses from the loyalty program

On this moment in practice, there are two options for how you can spend accumulated bonuses under the Binbonus program from B&N Bank:

• The first one is after bonus points accrued, you need to go to the Internet bank and compensate your expenses with bonuses. You open the list of completed ones and select those for which you want to receive a refund. After this, the selected amount will be transferred to your personal account - thus, you will receive real money.
• The second is to enable the Autospend option. It allows you to compensate your expenses automatically, according to the new rules from November 1, 2017, only within thirty days after making a purchase until your bonus account is empty. You can connect it at a bank branch, on the official website or by calling 8-800-200-50-75.

It is worth saying that the second option is relevant in cases where purchases are of a minor nature - therefore, it is ideal for those who want to return funds to themselves as part of small daily expenses. The first option is suitable for those who decide to accumulate bonuses and spend them on a large purchase - purchasing a plane ticket, buying household appliances in an online store, etc.

Therefore, each bank client who is a participant in the Binbonus loyalty program chooses for himself how he will spend his savings. Remember that the program rules do not allow you to compensate only part of a purchase - bonuses must cover it in full (many participants fall for this bait).

How to find out how many bonuses I have from B&N Bank

Today, participants in the Binbank loyalty program have many opportunities to find out how many bonuses are in their account. But, before talking about the options, it should be mentioned that at the time of each accrual (that is, once a month), a free SMS message about the completed transaction should be sent to the participant’s phone.

Today, according to the rules, you can find out the balance of bonuses on your account:

• On the official website of the bank, in the Internet banking section.
• By visiting the nearest bank branch (bring your passport with you).
• By calling the B&N Bank hotline.
• In Mobile Banking.

Let's sum it up

The Binbonus program from Binbank gives the bank's clients the opportunity to receive additional bonuses, which can later be converted into real money. Since November 1, 2017, the rules of the program have been seriously reformed, but despite this, it continues to arouse interest among clients.

Binbank is one of the most recognizable and reputable banks in the territory Russian Federation. As of mid-2018, it ranked 6th in terms of volume deposits population (according to RIA rating). This financial institution provides a complete list banking services both for individuals and legal entities of all forms of ownership: from individual entrepreneurs and small businesses to large corporations. Having already a high trust rating from the population, the bank additionally stimulates its clients with profitable cash-back, returning B&N Bank bonuses to the account for each use of the card. Read about all the rules, features and exceptions of the bonus program in the material below.

About the bank

This year Binbank celebrated its 24th anniversary. The organization’s shareholder is the Bank of Russia, which once again proves the competence and high quality of customer service. The company is represented in many cities of the Russian Federation from Kaliningrad to Vladivostok - in total about 400 branches, more than 19,000 ATMs (this includes partner ATMs, in which no commission is charged for servicing) and 29,000 POS terminals in trade and service organizations of the country.

Official site

On the official website of the organization at https://www.binbank.ru, everyone can find out detailed information about the bank’s branches and their locations. In addition, the functionality of the portal allows you to:

• obtain information about all products online;
• familiarize yourself with the types of plastic cards, their options and registration rules;
• read about the most profitable deposits and conditions for obtaining loans for various needs;
• get help on insurance issues for legal and individuals, as well as their property;
• find out about available jobs (vacancies) in bank branches;
• create a personal account for ease of use of online services;
• leave your feedback and/or suggestion about the organization’s work and much more.

Mobile app

Available for download on the Internet (including the official website) mobile app"Binbank online 2.0". You can connect mobile banking in just a few steps:

• download the program from the App Store or Google Play (depending on the smartphone operating system: iOS or Android, respectively);
• in the application, click the “Get access” button;
• enter your phone number;
• enter the last 4 digits of your number plastic card or bills;
• create an original password.

The functionality of the mobile application is very extensive and provides round-the-clock online support from bank specialists, voice search for nearby branches and ATMs, linking cards of any third-party banks of the Russian Federation, opening accounts and submitting loan applications, transferring funds and creating payments, as well as much more. Connection mobile banking absolutely free.

Important! Binbank provides active assistance to children with cancer, as well as those suffering from severe forms of brain diseases. Target direction Money provided by the Charitable Foundation created by Konstantin Khabensky. Anyone can participate in this program using the appropriate Internet banking or mobile banking function.

Bonus program details

Like any enterprise that respects its customers, Binbank has developed and implemented a bonus program, which every bank card holder can participate in. According to the terms of the project, customers are invited to choose one category, when paying for goods in which bonuses in the amount of 5% will be credited to the buyer’s personal account. In this case, the amount paid for any other purchases will be return 1% Bean bonuses. 1 awarded point is equivalent to 1 ruble.

Holders of the following cards can take part in the program: salary, Platinum, Comfort, All inclusive and Black. In addition, owners of plastic issued since November 10, 2014 can receive bonuses. for ruble transactions, as well as ex-MDM Bank cards. The full list of participants is published on the official website.

Connecting to the program

Admission to participation in the program occurs after activating one from the proposed purchase categories:

• auto– this includes the purchase/sale of cars, auto parts, service stations, car washes, purchase of fuels and lubricants and gas station services;
• recreation and entertainment– this category includes accounts from cafes and restaurants, bars and clubs, art galleries, cinemas and theaters, bowling alleys and amusement parks, as well as circuses and other similar establishments;
• trips– the section includes expenses on air tickets, hotels, car rentals, excursions, and so on;
• sport, health and beauty– the group includes expenses for pharmacies, cosmetics stores and gyms, beauty and massage salons, country clubs, as well as private clinics and hospitals;
• online shopping.

On a note! Program participants can simultaneously use only one bonus category, which will automatically be extended to all owner cards registered with B&N Bank and provided for by this project.

WITH full list categories can be found on the official website of the company. You can activate the bonus group directly at a bank branch, by contacting a specialist, or with the help of a hotline operator 88002005075. It is also possible to activate online on the official website, but if you have a personal account. You can change the category you are using an unlimited number of times; the cost of this procedure is 250 rubles.

Accrual and payment of bonuses

Receipt of bonus units to your account begins immediately after selecting the appropriate category. When changing a group, bonuses are accrued according to new category will begin from the first day of the next month, but until the end of the current period, points will be calculated according to the old group

Bonus units are credited to the client’s account based on the results of debiting funds from the card for the previous month. This banking operation is carried out 2nd day of the month following the reporting month(or on the second working day). That is, if the client paid for the purchase on February 27, and the funds were debited on February 28, then the bonus will be credited on March 2 along with the February ones. But if the payment occurred on February 28, and the debit was made on March 1, then the bonus will be combined with the March bonus and credited on April 2.

On a note! Since November 2017, some changes have been made to the bonus program to eliminate the overlap of expenses for goods/services from different groups. So, if the “online purchases” category is activated, then for online booking of air tickets (belonging to the “travel” group), bonuses will be calculated in the amount of 1%, as for expenses not included in the selected category. The effective date of such changes is November 1, 2017.

Payment of bonus units, as mentioned above, is made on the second working day of the month to the current account of the card that was specified during registration. The minimum possible accrual is 100 bonuses, while the maximum is limited to 3,000 bonuses (with no more than 1,500 points in the selected category), that is, less than 100 and more than 3,000 bonus units are not subject to payment. All savings are transferred to a common bonus account, from which you can spend any amount at a convenient time.

No bonuses

According to the terms of the program, there are categories of banking transactions that are not included in the calculation of bonus units. These include:

• payments for utility costs, mobile communications, services of cable/satellite television operators, Internet;
• operations subsequently cancelled;
• cash withdrawal, replenishment/transfer from electronic wallets or other financial institutions;
• crediting funds to the card;
• payment for insurance services;
• purchase/sale of currency, precious metals And valuable papers, casino chips and other transactions.

A complete list of financial procedures that are not subject to cash back, as well as their mcc codes, are given on the official website of B&N Bank.

Using accumulated bonuses

The client has the right to use accumulated bonus units to compensate for the cost of selected goods/services in various stores and establishments around the world. This procedure occurs in the following way: the client pays for the purchase with his own funds, and then through the Internet or mobile application he can compensate for its cost using the available points. The minimum check amount subject to compensation is 500 rubles.

Important! No matter how many bonuses a client has accumulated, if there is no activity on cards participating in this program for 12 months, then all accumulated points will expire.

Balance check

The amount of accumulated and used bonuses can be found out from a bank specialist during a personal visit, through a 24-hour Call Center, as well as through Internet banking or a mobile application.

Other beneficial bank services

As mentioned above, Binbank provides a full range of financial services for all layers of individuals and groups of legal entities. But a number of services set the organization apart from its competitors. Some of them will be described below.

Popular online services

In modern technocratic conditions and maximum employment of the population, Binbank offers a number of remote services, trying to save the time of its clients and make their service as convenient as possible. According to the results of independent studies, functionality online banking and mobile banking are considered among the best in the financial services market.

So, in addition to the main functionality, which includes all the standard Bank operations, when connecting to Internet banking, the client additionally gets access to an online consultant who will answer any questions that arise 24/7. In addition, you can set up automatic sending e-mail notifications on statements from a current personal account or card account. These procedures are performed absolutely free of charge.

Important! Using online banking, it is possible to set up automatic spending of funds to pay for housing and communal services, deposits, and the like.

Binbank also offers interesting conditions for deposits, loans and cards for individuals. For example, special features of a plastic storage device have been developed for students and teachers of higher and secondary educational institutions. Students are offered a card that allows them to connect an electronic pass to the territory of the university (institute/college), an electronic grade book and an electronic library card, while all discounts on the bonus program will be retained. And added to the card options for teachers connecting an electronic attendance register students, as well as electronic signature documents.

"Binbank" offers interesting conditions for pensioners - this is a program With increased percentage by deposits. According to its terms, if you have a pension plastic card, you can withdraw cash without interest from absolutely any ATM in the country, as well as pay for housing and communal services without commission. As for the loan, a pensioner can apply for it by providing only two documents: a passport and a pension certificate.

So, Binbank is one of the largest banks in the Russian Federation, which is among the TOP 3 most reliable financial organizations countries. Therefore, any cooperation with this institution will be filled with mutual trust and pleasant bonuses.

Beanbonus - special program loyalty, when you connect to which you can accumulate bonuses. With the points you collect, you can pay for selected goods in any stores or on Internet portals. If you wish, you can use the service – Autospending BINBANK bonuses.

Conditions for participation in the Bean bonus program

To take part in the promotion you must be a holder plastic card(both debit and credit) issued by the bank within the framework of approved tariff plans. To connect the BINBANK program, it is enough to select one from the proposed 5 categories of purchases of the program; in the future it can be changed.

• Travel – payment for plane and train tickets, payment for hotels;
• Category for car enthusiasts – payment for gas stations and repair services and purchase of consumables and spare parts;
• Recreation and entertainment – ​​any public institutions and catering establishments;
• For those who care about their beauty and health, a category with payment in pharmacies, fitness and spa centers, salons and beauty stores, etc. is suitable;
• Purchases made online in online stores.

Now you can make your usual purchases and receive points to your bonus account. For any expenses in the activated category, bonuses are awarded in the amount of 5% of the funds spent + an additional 1% for any other expenses.

Points are accrued in BINBANK starting from the 1st day of the month after the order to activate the service. The selected category is activated free of charge, subsequent replacements are paid at a rate of 250 rubles for each shift.

Please note that under the terms of the Bean bonus program, you can only pay with bonuses for those products for which they can be awarded. This list does not include mandatory payments for government services or mobile communications.

Bonuses are valid for 12 months; if no transactions have been made on the card during the year for which points can be awarded, previous savings will expire.

Service Autospend bonuses

For the convenience of using accrued points, the client can activate Autospend. You can do this yourself using Internet banking or by calling contact center to BINBANK.

When making any purchase, the accumulated bonuses will be debited automatically, and the amount spent on the purchase will be returned back to the client’s account within the next working days. This service is perfect for those who make regular small expenses. For those who plan to accumulate more bonuses, it is recommended to activate Purchase Compensation.

Connect to the Autotrade service from BINBANK - and you will be able to pay for your purchases without spending money

All purchases using Bean bonuses are compensated on a one-to-one basis, so the purchase amount in rubles will be equal to the purchase amount in points. All purchases will be reimbursed within 30 days from the moment of activation of the BINBANK service; if there is not a sufficient number of bonuses on the balance, the purchase will be debited by card in cash.

Please note that you must re-enable the Auto Spend service every thirty days. You can only pay with bonuses for the entire amount of the product, otherwise bonuses will not be written off and funds will not be subsequently credited.

Conclusion

Active customers who regularly make small purchases will appreciate the service - Autospend Bean bonuses. It’s easy to connect to BINBANK Auto Spend bonuses, and the benefits of participating in the program are obvious. Now you can spend money not only with pleasure, but also for the benefit of your budget.

It’s hard to surprise anyone with bonus programs anymore. Large network companies and even small entrepreneurs have long been offering their current and potential clients various kinds of proposals. Promotions, loyalty programs, bonus programs - all these are systems that guarantee one or another savings for consumers of goods and services.

As for banking sector? Banks, being commercial organizations, try to extract as much profit as possible from their activities by selling their products. How else can you attract customers without meeting them halfway? That's why everything banking organizations The above loyalty systems are very actively used.

In this article we will look at what the B&N Bank bonus system is.

« Binbank» is very competitive credit institution. Although it is not considered systemically significant in scale Russian economy overall, but still shows consistent consistent performance since 1993.

« Binbank"is one of the leaders in the number of banking mergers and acquisitions. In 2014, it was even recognized as a leader in the number of acquired banks. And already in November 2016, another merger took place “ B&N Bank" And " MDM Bank" At the beginning of 2019, the bank plans to merge again with Otkritie Bank. The bank positions its plans as creating a more stable and comfortable base.

Of course, Binbank makes every effort to attract and retain its customers. This is not surprising, because there are a lot of tempting offers on the market. However, Binbank managed to build a very worthy system of loyalty and rewards for users of its products.

So, what is the program under the simple name “ Beanbonus»?

"Beanbonus" is a completely free system for B&N Bank clients (in particular, bank card holders). Any holder of either a B&N Bank debit or credit card can become a participant in this program. To join the program, you only need to activate (select) a category with increased cashback.

It is worth noting the advantage of the simplicity of the system name, which reflects the very essence of the program.

Understanding categories and cashbacks

The basis of the program is “cashback” (translated from English “cashback” means a refund). That is, the bank returns (compensates) part of the client’s spent funds back to his account in the form of bonuses or directly in foreign currency equivalent. In this case, the “bean bonuses” are returned in the form of bonuses, as is clear from the name.

The superficial advertising claims that bonuses will be awarded in the amount of 5% of the bank client’s spent amounts. Yes it is. But not unconditionally. In the amount of 5%, “bean bonuses” will be awarded only for those spending categories that the client has chosen. For other categories of expenses, only 1% will be returned as cashback. In description this condition there is nothing complicated or incomprehensible, everything is quite clear. Moreover, on the official website itself, the condition for accruing a 5% cashback is stipulated in quite large font and everything is explained in quite detail.

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For example, a client of a B&N Bank debit card chose the “travel” category for increased cashback. However, his plans to buy a trip fell through, and this month he did not spend at all in this category. Then, unfortunately, this cardholder will receive only 1% of all their expenses for the entire reporting month.

According to the rules of the program, the right to change the selected category is given to the client only once a month. The cost of changing categories is 250 rubles (each time). Therefore, each cardholder needs to carefully “weigh” his choice so that the bonus program is the most profitable for him.

By the way, some competitor banks, for example Tinkoff, allow you to change the category with increased cashback only once a quarter! Which is not very convenient for clients. However, this operation is free.

In the Beanbonus program there are 5 categories in total:

1. Online shopping
2. Trips;
3. Recreation and entertainment;
4. Auto;
5. Health, sports and beauty.

It is worth noting the convenience of combining 3 categories in the last paragraph. In the offers of some other competing banks, these categories are separated, which minimizes the benefits for customers.

In order to become a participant in the Binbonus program, the owner of a Binbank card simply needs to activate one of the categories of increased cashback. To carry out this action, the user needs to connect to Internet banking or download the B&N Bank mobile application. If the client has no desire to download and register in virtual services, he can activate the desired category at any local branch of B&N Bank with a competent employee. If this option is inconvenient for the consumer, then he can simply call the B&N Bank hotline.

The hotline number can be found on the official website of B&N Bank or directly on the back of the card.

Using the above services, you can also find out the amount of accumulated and paid bonuses. If the client does not remember which category he chose for the increased cashback, then he can simply clarify this information with an employee of the B&N Bank branch or by calling the hotline. It’s even easier to view the information in your personal bank account (in the application mobile banking and Internet banking).

Unpleasant Exceptions

Of course, as with every bonus program, Bean Bonus is not without exceptions. Let's look at the most standard first: the program does not provide for the accrual of bonuses for the following costly transactions of the client:

• Payment of utility services;
• payment for television services and Internet;
• payment for mobile communications;
• cash withdrawal transactions;
• money transfer operations;
• transactions for payment of insurance services;
• purchase of foreign currency.

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A complete list of the client’s costly transactions for which he will not receive bonus points can be found on the official website of B&N Bank in the Binbonus Program section.

There is one more significant condition of the Program that causes particular inconvenience for clients. This condition is a limitation on the minimum payment amount. Namely, the card owner will not be able to use the accrued bonuses at all if their number does not exceed 100 bonuses. But the maximum you can spend is only 3,000 bonuses per month.

To all of the above, there is a third exception, which is uncomfortable for many users of the program. Namely, the minimum purchase amount that can be compensated with bonuses is 500 rubles. In addition, you can only compensate for the entire purchase amount; partial “repayment” of the amount of expenses with bonuses is not provided.

Clients complain that the program ceases to be an incentive for the client, because, in fact, the consumer needs to calculate and regulate the amount of his spending in order to even get the right to spend it.

Which Binbank cards can participate in the Binbonus program?

Both debit cards can participate in the Binbonus program, including salary cards B&N Bank and credit.

This program is especially beneficial for owners credit cards, since their design implies expenses, but debit cards can only be used as a savings account. Not to mention salary projects, 75% of whose owners simply withdraw the entire amount of cash from the account when receiving their next monthly salary.

So, the following types of cards can participate in the Bean Bonus program:

How can a client use the accrued Bean Bonuses?

The customer loyalty program is designed in such a way that cashback returns 1% or 5% of the cost of spending on the card in the form of bonuses, which are accumulated throughout the month to a separate client account. By the way, it should be noted that if a client has 2 B&N Bank cards, for example, debit and credit, then bonuses will be credited not to different accounts, but to one single account. This adds convenience for the client. Firstly, there will be no confusion in accounts, and secondly, it will be more convenient to save and spend the bonuses received.