OJSC BPS-Sberbank is part of the Sberbank of Russia group. This is one of the largest banks in Belarus. It originated in the twenties of the 20th century. Throughout the Soviet period of history, the bank was engaged in financing capital construction transport and industry of the USSR.

In 1959, the bank became the Belarusian branch of the newly created Stroybank of the USSR and concentrated in its hands the financing of 90% of all capital investments republics.

In 1987, as a result of another banking reform, the bank became part of the Promstroibank of the USSR.

At the end of 1991, a joint-stock commercial Belpromstroybank was created on the basis of the bank, which in 1992 became an open joint-stock company.

Since December 2009, 93% of the shares of BPS Bank belong to Sberbank of Russia, and since the end of 2011 it became known as OJSC BPS-Sberbank.

Serving the accounts of enterprises and entrepreneurs, the bank provides a variety of banking services in the field of financing, lending, deposits and other things. Among his clients are the largest enterprises from all sectors of the Belarusian economy. The bank has branches and divisions in all regions of Belarus.

BPS bank services

BPS-Sberbank offers a wide range of lending services. The following forms of loans are provided:

• one-time loan provision;
• overdraft connection;
• provision of a credit line.

In this case, they apply lending rates, the size of which depends on market conditions, the type and term of the loan, and the client’s solvency.

To guarantee the repayment of the loan by the borrower, insurance against the risk of loan non-repayment, security deposits, pledges, guarantees, and guarantees are used.

Investment and trade finance, factoring

One of the main activities of the bank, which is of paramount importance, is the financing of investment business projects.

Investment loans can be issued for the creation of new or modernization of existing enterprises, the purchase of buildings, structures, equipment, agricultural machinery and transport. At the same time, the bank gives preference to projects that help increase the production of goods for export, the development of high-tech industries, as well as projects that use domestic raw materials.

The constantly growing limits of foreign banks on the BPS-Sberbank bank, its high reputation abroad and work with foreign export credit agencies allow the bank to confidently serve the foreign trade operations of Belarusian enterprises.

The bank provides factoring to clients by concluding one-time or general (fixed-term) agreements with them. This service allows client enterprises to timely replenish their working capital at the bank’s expense and increase turnover by providing customers with a deferment in paying for goods.

BPS bank guarantees

Thanks to extensive experience and high reputation on international markets The bank is capable of providing a full range of services for providing guarantees to foreign companies.

Providing these services allows you to reduce the risks of enterprises in foreign trade operations, as well as reduce their costs for financing foreign trade operations.

Bank guarantees also help optimize business transactions carried out within the country.

Cash settlement and electronic banking services

The bank carries out high-quality cash settlement operations, guaranteeing their highest speed and reliability. At the same time, clients receive additional convenience. At flexible rates, the bank opens and maintains accounts, carries out all types of payments and transfers on them, and carries out cash transactions.

The bank provides clients with constant communication with it through the system remote maintenance BS-Client. The “Bank-Client” subsystem of this system provides a high degree of reliability for working with confidential information and reliable protection against unauthorized use. Electronic digital signatures are used to confirm the authenticity of documents.

Currency transactions and international payments

The use of payment systems such as SWIFT, TELEX allows the bank to process transactions as quickly and efficiently as possible. Money transfers to partner countries of the Republic of Belarus.

Through foreign exchange transactions The bank services the foreign economic activities of enterprises. In addition, the bank is entrusted with the tasks of currency control over operations.

Bank custody and collection services

The bank collects and delivers cash or other valuables using special transport according to a convenient schedule.

To store documents and valuables, businesses and individuals can use bank safes.

Placement and preservation of available funds

BPS-Sberbank can offer the following options for placing and storing available funds:

• bank deposits;
• bank bills.

Deposits allow clients to store temporarily available funds and get from it additional income. At the same time, they retain the opportunity to put these funds into circulation again. Flexible rates and terms of deposits allow clients to choose the optimal conditions for placing funds.

The impeccable reputation of BPS-Sberbank allows it to provide its clients with such a service as promissory notes. These papers serve as an analogue of a deposit with the only difference being that they are issued to bearer and can be sold to a third party. The client has the opportunity to return his money either by selling the bills or using them as a means of payment.

Transactions with securities, servicing depositories

The Bank, in the interests of clients, carries out the purchase and sale of government and corporate securities, provides initial placement securities for stock exchanges, registers transactions made by the client on securities, carries out settlements on them based on transactions concluded by the client.

In addition, the bank carries out depository storage of securities purchased by the client.

BPS Bank is a remote customer service system from BPS-Sberbank, operating in Belarus. Internet banking gives Belarusian clients the opportunity to use all bank services and control accounts and cards online. All operations are carried out in your personal account; below we will tell you how to register, log into your account and use it.

Login and account registration

Until 2015, bpsb had a different banking system, after which it switched to the same service that operates in Russia - Sberbank Online.

Only the client who has an account or card with BPS will have access to the personal account. There are two ways to become a user:

• By concluding an agreement with the bank. You only need to take your passport with you.
• Registration without visiting a branch on the lender's website.

If you visit a branch, the bank manager will issue a temporary password and login after submitting the application.

When registering on the site, you need to click on “Register” and enter:

• Card or account identification number.
• Mobile number to which session codes and passwords will be sent in the future to confirm transactions.

By clicking on “Continue” a password will be sent to the specified number. By entering it into the line on the site, the client’s identity will be confirmed and access will be opened. Now you need to log in to your personal account.

The generated password is not secure. The user needs to change it in the future, creating a new, complex combination.

Login Personal Area BPS is carried out on the main page of the official website www.bps. sberbank. by. No special software or devices are required for authorization.

Let us remind you that if you enter the wrong password several times, access to account will be blocked for several hours.

Using the BPS office

There are two options for connecting to LC:

• For free.
• For 7.5 rubles per year (BYN version).

In the free subscription option, the client receives much fewer options. He can only:

• Receive information about bank accounts and cards.
• Use auto-payment and SMS notifications.
• Confirm transactions with input one-time passwords.

It is impossible to make payments yourself - only through automatic debiting Money. This is only suitable for those who need to make periodic payments.

Therefore, paying such a small amount is worth it - the user will have access to all the functionality of the account for a year.

The system is not much different from the Sberbank Online service operating in the Russian Federation. The account allows individuals:

• Manage your accounts and cards.
• Transfer funds to private and legal entities to cards and accounts of BPS-Sberbank and other financial institutions.

• Open and replenish deposits, withdraw money to impersonal metal accounts.
• Pay for services and purchases in online stores - housing and communal services, communications, Internet, fines and taxes, etc.

• Apply for loans and make payments on them.
• View information about accounts, credit and debit cards, deposits, as well as information on the balance of funds and completed transactions.
• Receive payment documents and generate documentation from them.
• Browse background information about exchange rates, locations of ATMs and branches of financial institutions, current promotions and programs, etc.
• Activate and deactivate bank services, order and block cards.
• Change account settings: login details, make strictly defined services visible, view the log of user authorizations, etc.
• Take out insurance and make payments on it.

• SMS notifications about transactions.
• Automatic payment for specific transactions without the client’s instructions (for this, the user must submit a list with payments and recipients).
• A service similar to the previous one – “One-button payment”. In one click, periodic payments are made, pre-specified in the personal account, i.e. without visiting the bank.
• Approval of payments by entering one-time passwords sent via SMS to the user’s number (different service names are provided for Visa and MasterCard cards).

All operations are carried out in 4 sections:

• "Payments and transfers".
• "Deposits and accounts."
• "Cards".
• "Credits".

Here you can not only carry out transactions, but also view information on registered this moment banking products and already closed accounts. The main page of the account already provides information about cards, deposits and accounts.

You can familiarize yourself with the terms of service for individuals on the bank’s website by opening the “Individuals” section and going to the “Payment for services using remote channels” subsection. Here are instructions for working with the service, maintenance procedures, answers to basic questions and recommendations for ensuring account security.

The work of the office is protected by the SSL protocol. Check the address bar when you visit the site - a lock icon should appear. This means that the data transfer is secure.

By setting up the “One-button payment” function, you can make payments for similar transactions every month.

The function of adjusting the visibility of products is purely aesthetic, allowing you to remove unnecessary information from the dashboard interface.

Please note that you can get a mini-statement from your account, to generate which you need to create a report on personal account. To do this, you need to click on the “Extract” tab in your personal account and enter the following data in the fields that open:

• The beginning and end of the period for which the report is needed.
• The card or account for which the statement is issued.

Receipts and statements can be sent by email, saved as PDF and printed. The subsection “Calculation sheets” will be useful to those who plan to conclude any transaction in the near future. For example, if the employer signs an agreement with BPS.

You can create template payments by entering parameters in the “Quick payments” subsection.

Important! You can link to an account or card online wallet Yandex.Money (this service is part of Sberbank). To do this you will need to go through an identification procedure. Transfers from a wallet to cards are possible:

• Visa.
• MasterCard.
• Belkart.

There is also a mobile application for BPS Bank. You can download it for Android and iOS OS from the PlayMarket and AppStore stores, respectively.

Important! A useful section called financial manager, can be found by opening the “My Finances” section. He will analyze the available profit on all active accounts, cards and loans.

If it is decided to terminate cooperation with the bank, the client only needs to submit an appropriate application to close all products and services. After this, access to the personal account will be closed.

So, access to the account is provided to persons who already have any banking product. The service is convenient and concise, offering all the possibilities for managing your funds and services.

The use of banking services has become an integral part of the life of a modern person. For the convenience of clients, banks are constantly developing remote services. One of such resources is the one offered by BPS-Sberbank online internet banking. Using the service, users can make regular payments, control cash balances and transfer money to others without visiting the office of a financial institution. individuals.

Login to BPS-Sberbank online

Click to go to your personal account

Registration in BPS-Sberbank

Starting to use the resource from BPS-Sberbank is available to clients who are cardholders, borrowers or depositors of the bank. You can go through the procedure directly at system login page BPS-Sberbank online.

Login page window with transition to registration

Step-by-step registration on the resource is as follows:

You must also indicate email address, he will receive a letter with instructions for subsequent work in the system.

If the registration procedure is completed correctly, the client is automatically transferred to home page shells Sberbank online.

The login and password cannot consist only of letters or only numbers; it is necessary to use a combination of such characters. Username from 6 to 20, code from 8 characters.

How to log into the BPS-Sberbank Internet banking system

Login to Sberbank online is carried out from the first page of the resource. The client must enter the login and password assigned when filling out the registration form on the site.

Login window

The user is also invited to use the Demo mode of the resource to familiarize themselves with the capabilities of the service before starting its full use.

Access to Sberbank online and its uninterrupted operation is possible using the following browsers:

• Internet Explorer 32 and 64bit
• Opera
• Google Chrome from v.45
• Mozila Firefox

How much does internet banking cost?

Use of the functionality of the Sberbank online personal account is provided to clients of the financial institution on a paid basis. The cost of services is set by the company's current tariffs.

Table 1. Tariffs for BPS-Sberbank online

Using cards through online banking
Carrying out auto payments in favor of organizations			0.05 BYN	For each posting
Receiving mini-statements for your card account		BYN	0.5	Information is provided for 7 days, displaying the last 10 payments
		USD	0.25
		EUR	0.2
		RUB	15
Transfer from cards to cards:	Other plastic holders from BSP-Sberbank		2 BYN	Transferred in Belarusian rubles
	Other issuers in the Republic of Belarus		1.5% of the amount (2 BYN/1 USD/1 EUR/60 RUB)
	Cards from other banks			Acceptable for cards serviced through an international processing center. The debit occurs in the currency of the card account
SWIFT transfers from cards	U.S. dollar		15 USD/EUR	Sending is possible to the accounts of individuals and legal entities
	Euro
Urgent transfers from BPS-Sberbank cards to receive funds in the Sberbank group			1.5% min. 30 rub. Max. 1000 rub.	Executed in Russian ruble currency

Functionality of BPS-Sberbank

Home Screen Features

Main screen of your personal account of BPS-Sberbank online

Directly from the page, the client can top up his mobile phone, go to the section with exchange rates, bank news and geolocation of ATMs and institution branches, and also use the “Personal Menu”.

In the “Personal Menu” field the following are available:

• history of operations;
• payment settings, including automatic ones;
• financial control;
• managing program settings;
• creating and viewing the status of applications sent to the bank;
• section with promotions from the organization and games.

By open cards You can perform a number of operations directly from the main screen, including:

• establishing the status of plastic;
• transfer between own accounts;
• statement and payment history;
• sending transfers and setting up automatic payments;
• SMS notification settings, connecting/disabling 3-D secure.

Card transactions on the main screen of Sberbank online

Also, from the main section, the top line with access buttons, the client can go to the desired functional menu of the system.

Payments and transfers

The payments and transfers section is provided for paying for BPS-Sberbank services and providing the client with the opportunity to make transfers from their accounts to the following directions:

• repayment of an overdraft or loan using plastic issued by another financial institution;
• transfer from a Sberbank card to another bank;
• replenishment of the deposit using third-party plastic;
• payment utilities and other payments from cards of other banks;
• transfers to card and current accounts of individuals and organizations, both in Sberbank and beyond.

In the payments menu, the user will be able to pay not only for Sberbank services, but also use the “Settlement” system, make payments in one click, top up a mobile phone, the Internet, and deposit money for rent or utilities.

Payments and transfers with limited functionality

Cards

In the “Cards” section, the client is given the opportunity to order a debit card from Sber, seek advice from the company’s employees, or order a certificate of the movement of funds in their accounts. Also from the page, as well as from the main page, the user can perform any actions with already open cards.

Section "Cards" of the bank online

Deposits and accounts

The Deposits and Accounts page allows the client to manage their savings accounts. Available features include:

• viewing balances;
• when switching to the desired account, the user can generate a statement for the period he needs;
• display of account details and the conditions under which it is serviced by the bank, including an indication of the interest rate;
• opening a new deposit.

The user can also order a call from the bank to obtain information about their open accounts or about a new product of the institution.

Section "Deposits and Accounts"

Loans

Page with credit programs makes it possible to control the status of existing obligations to the bank in terms of mandatory monthly payments, details for redemption, information about available limit on revolving lines and overdrafts.

Loans section in your personal account

Closed accounts

The section with closed accounts allows the client to receive archival information about those accounts that were closed no more than 6 months ago. It is possible to obtain more outdated information only by personally contacting a BPS-Sberbank branch in the territory of the Republic of Belarus.

Section "Closed Accounts"

Other

The “Other” menu provides the user with the opportunity to go to one of the additional sections of the Sberbank online personal account:

• wallet identification on the Yandex.Money website using special tariffs;
• item "Insurance".

Wallet identification

In the “Insurance” section, the client can issue a policy voluntary insurance from accidents, view the conditions for products offered at bank branches, and also receive information on existing policies.

Page with insurance programs

How to pay utilities

Through Sberbank’s online personal account, a client can pay regular payments, including utility bills, without wasting time and extra effort. To pay the rent or pay for the services consumed, it is enough to:

1. Go to the "Payments" section.
2. Select the required operation in the tree.
3. Decide which card the payment will be made from.
4. Enter your personal account and payment amount.
5. Confirm payment.

For the convenience of paying for several transactions at the same time, just use the “One-button payment” service and select the necessary directions there.

Frequently sent payments can be added to favorites for ease of use, and in order not to forget about paying utility bills, the user can set up automatic sending of payments.

A personal account from BPS-Sberbank allows bank clients, individuals, to significantly save time on visiting branches. Through the resource you can solve a larger number of financial problems and take advantage of all modern banking services. To join Internet banking, it is enough to be a holder plastic card institutions and go through a simple registration procedure.

Dear Customer!
The bank ensures the highest level of transaction security, using various means and methods of information protection - from passwords to multi-level security systems based on modern cryptographic protocols and algorithms.
To log into the Sberbank Online system, the Client must enter a login and password, for which the Bank has established certain requirements.
All payment transactions in the Web version of the Sberbank Online system must be confirmed by a code received via SMS to the number mobile phone. To confirm the operation, the Client received a message: “Do not tell anyone! Confirm the operation with the password:...”
Using mobile application payments are confirmed using an additional password. An additional password for confirming transactions is assigned by the user independently and is analogous to his handwritten signature.
Another security measure is the setting of limits when using cards, which is aimed at reducing the risk of unauthorized transactions using the cards of the Bank's clients. At the same time, Clients have the opportunity in certain cases to withdraw established by the Bank limits when contacting a Bank branch or independently in the Sberbank Online system.
At the same time, clients must follow the recommendations of banks on safe use cards. Do not transfer the card to third parties, keep confidential card data secret from other persons: number, card expiration date, three-digit card authentication code indicated on the reverse side (if any), logins and passwords, codes from the Bank’s SMS messages. This information is never requested by Bank employees.
The bank has repeatedly posted information on its official website in the “News” section that cases of fraud have become more frequent and cited various schemes used by fraudsters. The Bank warned Clients about the need to be vigilant and not disclose to third parties confidential information, and also drew the attention of clients that the fraudster’s telephone number may be similar to the Bank’s telephone number and differ in one or more digits.
Therefore, if the interlocutor introduced himself as a bank employee and is trying to obtain secret data, we recommend that you immediately end the dialogue and contact the Bank yourself at single number 148, or by phone +375 (29/44/25) 5 148 148 (A1, MTS, Life).
The latest news was posted by the Bank on the website on November 18, 2019.
Currently, the Bank has changed the text of the SMS message sent to the Client to confirm the transaction in the Web version of the Sberbank Online system, indicating that only fraudsters can request this code.
Hundreds of Clients contact the Bank's Customer Support Center every day, wishing to receive advice. The task of each operator is to provide the most complete information about the Bank’s products and services and promptly help in resolving the issue that has arisen.
Unfortunately, it is not always possible to answer the call promptly. However, the Bank is introducing additional services to obtain alternative information. The robot Alesya on IVR is already helping to solve a number of issues.
If you are sure that there have been unauthorized debits from your card, you have the right to submit an application with an identification document to a Bank division, as well as law enforcement agencies, to conduct the investigation.

Sincerely,
OJSC "BPS-Sberbank"