BPS bank card. Types of BPS Bank cards n n n Belkart-m visa. Remote banking services

In Belarus, banks issue debit and. The conditions for obtaining a card at BPS-Sberbank vary depending on the type banking product.

Types of cards in BPS-Sberbank

A debit card can be obtained to pay for goods and services and withdraw cash. A credit card is issued when there is not enough personal funds for purchases.

The client can choose a card from the payment system:

• VISA;
• MasterCard.

Conditions for receiving cards at BPS-Sberbank

Conditions depend on the type of banking product. Credit cards have a certain limit. involves the accrual of points, special offers for holders of BPS-Sberbank cards.

To apply for a card in 2019 at BPS-Sberbank you must provide:

• statement;
• passport;
• information about income (only for receiving a credit card).

Size annual maintenance depends on the specific product and service package used. Premium cards, which allow you to withdraw money from any ATM in the world without commission, will be much more expensive. But they offer Priority Pass, premium service And Better conditions bank services.

Using our website, you can apply for a card online. At the same time, you can compare all the card products of BPS-Sberbank on this page.

This time we will go to BPS-Sberbank to issue a bank payment card. And as always, our journey begins with a call to the contact center.

— Good morning, BPS-Sberbank, Evgeniy, I’m listening to you,— the bank employee greeted me.

— Hello, I would like to issue a personal card. What are the options?

Having asked how to contact me, the specialist began asking clarifying questions:

- Tell me, do you want a personal card?

- Yes.

— And in what currency?

— In Belarusian rubles.

- Tell me, do you need a card? high level? What will it be used for?

— I need a regular card to pay in Belarus, but I would like to receive information on international cards.

Evgeniy further explained that in this moment The bank produces only international cards. These are cards low level— Maestro and Visa Electron. They can be used to pay both abroad and in our country. You can also pay with them online.

But due to the fact that the cards are of a low level, not all sites accept them. If you regularly pay online, the bank recommends a card of a higher level - Visa Classic or Visa Gold. These cards can be used to pay abroad, in the territory of the Republic of Belarus and on the Internet without restrictions.

— Can you give me an idea of ​​the cost?- I asked.

- Yes, sure. In Belarusian rublesVisa ElectronorMaestrofor a period of use of 3 years costs 10 Belarusian rubles. Visa Classicis issued for 2 years and costs 30 Belarusian rubles. AVisa GoldorMasterCard Goldis issued for 2 years and costs 60 Belarusian rubles. DifferenceVisa ClassicAndVisa Gold, is that forVisa GoldVarious discounts, promotions, and bonuses from the payment system are provided.

— Tell me, do you no longer issue Belcard system cards?

- No. We no longer issue Belcard system cards.

— Tell me, where can I look at the discount system?

— Discounts are provided by the payment system. When you choose the one you need payment system, then you can look at its official website for a program of bonuses, discounts and promotions.

— Tell me, does the cashback go to the card?

- No. These are payment cards. To issue a card, you need to apply with your PASSPORT to a bank branch. An account will be opened for you. The card is produced within 10 working days. You come with your PASSPORT and pick up your card. Information about the readiness of the card is not provided over the phone, so you will need to contact the bank branch.

— Which ATMs can you withdraw money from?

— Without commission, money can be withdrawn from the ATMs of our bank, Belarusbank, Priorbank, and you can view the balance at the ATMs of our bank and Belarusbank, and a commission will be charged at Priorbank. And in other ATMs the commission will be 3% of the amount or 4 rubles.

Having learned all the information I was interested in, I asked about the bank branches closest to me.

- Thank you bye,- I said goodbye.

I didn’t have time to visit the bank that same day, and got there only 3 days later, when I found myself near Central Bank No. 706 at the address: st. Kalvariyskaya, 42. Well, I just had an hour of free time, and I decided to go in and get myself a BPS-Sberbank card.

CBU No. 706 of BPS-Sberbank at the address: Minsk, st. Kalvariyskaya, 42

The bank turned out to be quite pleasant both outside and inside. At the entrance, bank clients are greeted by a consultant. There is also an electronic queue. Having received my number in the electronic queue device, I began to wait for the economist I needed to become available. We didn't have to wait long. Four minutes later I heard my number:

- Hello, - A bank employee greeted me.

— Hello, I would like to issue a card. Which ones do you recommend?

— Would you like a salary card?

- No - ordinary.

— Do you want to pay here, or abroad?

- Ideally, both here and there.

— Don’t have a salary account with us?

- No.

In the operating room

Then the girl offered and told me in detail about cards of two levels: Visa Gold ( MasterCard Gold) and Visa Classic ( MasterCard Standard). The girl also reported the cost of these cards when opening an account, both in foreign currency and in Belarusian rubles.

- There is another cardVisa Electron- but it does not have a “currency exchange”. This card is valid only in Belarus.

The information received from the economist was fully consistent with the information received at the contact center. The only thing that the economist clarified is that payment for the card can be made both upon registration and upon issuance. The girl also showed what the cards look like "higher level".

— These cards also come with free SMS notification. You will receive information about all purchases, but if their cost is from 10 Belarusian rubles, - the specialist explained.

— Is Internet banking also free?

- No. Internet banking costs 7 rubles 50 kopecks per year. Debited from the account at a time.

— Tell me, do you have Belcard system cards?

- No. We do not issue regular Belcard cards. There is, as an option, “Motznaya card”. CombinedMasterCardand Belkart. You know, this card is already considered international. It can be used both abroad and in the Republic of Belarus. And there is also a system of discounts. I have the same card, and, for example, yesterday I received an SMS about discounts on sushi!

— The cost of such a card is 15 Belarusian rubles for two years of service.

— It turns out that the Motsnaya Kart is the cheapest international card?— I asked.

- Yes. But it turns out that there are fewer discounts on the Motsnaya Card than on cards of a higher level.

— And the cheapest —Visa Electron?

— Yes, it costs 10 Belarusian rubles. But it can only be paid in Belarus. You can pay with it on some Internet sites, but not everywhere. You can also connect online banking to it. The connection cost is 7.5 Belarusian rubles. You can come for a card and put some amount on it. For example, 10 rubles. We provide brief instructions and connect you to online banking.

- Fine. I understand. Let's get the "Motz card" then. How long will it take to produce it?

— About 7 days. But maybe earlier. We will call you when your card is ready.

After that, the girl began to design the card I needed, at the same time writing to me the name of the site bestcard.by, where I can familiarize myself with the system of discounts for the Motsnaya Card.

The specialist also provided me with information about which ATMs you can withdraw money from without commission and what the commission is when using other ATMs. She once again recited all the information on the Motsnaya Card. And finally, I gave a short presentation of the map:

— If suddenly for any reason an unauthorized debit occurs from the card, the bank guarantees a refund Money in 100% volume.

It's nice to know that the bank guarantees a refund in case of anything! :)

I decided that I would pay for the card upon receipt. Then I will/won’t connect (I haven’t decided yet) Internet banking. Moreover, it was time for me to run.

The registration of the card, of course, took a little longer, but solely because of my curiosity (I was more than satisfied with the completeness of the information received from the economist). After thanking the girl, I went to work.

After 7 days, as promised, I received a call from BPS-Sberbank and was informed that the card was ready and I could pick it up.

— Just don’t forget your PASSPORT,— the girl prompted carefully.

That day I was going on a business trip, so 2 hours before the train I decided to “drop in” to get a card. I went to pick up the card right with my travel bag, so the first person who approached me was a man in a police uniform (I think this is something like a security service), who politely asked to show me what I was carrying in my bag.

After a few seconds of checking, the policeman asked what question I had come to the bank with and, having learned that I had come to get a card, he “knocked out” my electronic queue number and took me to the economist. To be honest, I have never seen such a service in any bank! :)

After I provided the economist with my passport, the girl found my card within 1-2 minutes and asked if I wanted to connect to Internet banking (I decided not to connect it after all) and SMS notification. After this (since I decided to pay for the card upon delivery), the specialist redirected me to the cashier.

After payment, the economist explained that the Internet banking service has been activated, and, if desired, I can register on the BPS-Sberbank website and use it. Upon registration, a one-time commission for connecting the service in the amount of 7.5 Belarusian rubles will be charged. If you do not register, no commission will be debited.

Also I can download mobile app "BPS-Sberbank" and use mobile banking. The application is free and comes as an addition to online banking. The card is activated within 3 hours.

- Please tell me, do you have any other questions?— the girl clarified.

- No. Thank you. Goodbye.

- Goodbye. Please contact us again.

Based on the results of my visit to BPS-Sberbank, I can draw the following conclusions:

• I was pleased with the level of BPS-Sberbank specialists. I received very complete and clear advice both from the contact center and from the bank itself. Plus, the economist not only told me about the bank’s card products, but also showed me what different cards look like, and told me where and what discounts I can now get when paying with my card.

• The bank does not issue free payment cards, but gives preference to cards international systems Visa and MasterCard.

• The bank cares about the safety of clients and bank employees, so there is always a law enforcement officer on duty in the hall, and you will not be able to slip past him with a travel bag.

Waiting time for a response from the contact center on the line—40 seconds — 4.8 points

Completeness of information received from the contact center - 5 points:

• suggested card options - 1 point
• clarified the cost of registration - 1 point
• told where to go (place and hours of operation) - 1 point
• were polite - 2 points

Waiting time in queues at the bank (we sum up the waiting time to see a specialist and to the cash desk — 4 minutes - 4.2 points.

Processing speed (we add up the time spent with a specialist, at the cash desk and the time spent receiving the card) - 53 minutes - 0 points.

Card issuance speed — 7 days -1 point.

Completeness of information - 11 points:

• payment system (explanation)— 1
• “clean” Belkart “they don’t issue”, they offered “Motsnaya card” (“Belkart” and MasterCard) - 2
• production time was announced - 1
• named the cost of production - 1
• named the cost of service - 1
• local or international told - 1
• they talked about fees for withdrawals from banks and ATMs - 1
• reported the presence of Internet banking (IB) and mobile banking (MB) - 1
• talked about the process of connecting IS and MB - 1
• the cost of information security and MB was announced - 1

At the contact center we will find out whether it is possible to issue a card at the bank branch we are interested in. But we don’t make an appointment in advance - we arrive in the general order.

You can issue both a debit and a savings card.

BY PHONE

Waiting time for a response from the Contact Center on the line (maximum 5 points):

Scale
0 points - more than 3.5 minutes
1 point - 3.5 minutes
2 points - 3 minutes
3 points - 2 minutes
4 points - 1 minute
5 points - less than 30 seconds

Completeness of information received from the Contact Center (maximum 5 points):

Did they offer card options - 1 point
. did they clarify the cost of registration - 1 point
. told where to contact (place and time of work) - 1 point
. politeness (yes/no) - 2 points

Waiting time in queues at the bank, sum up the waiting time to see a specialist and at the cash desk (maximum 5 points)
Scale
1 point - 20 minutes
2 points - 15 minutes
3 points - 10 minutes
4 points - 5 minutes
5 points - less than 1 minute

Speed ​​of registration (we sum up the time spent with a specialist, at the cash desk and the time spent receiving the card)
Scale
1 point - 40 minutes
2 points - 35 minutes
3 points - 30 minutes
4 points - 25 minutes
5 points - 20 minutes (15 for registration and 5 for receiving)

Card issuance speed (maximum 5 points)
Scale:
1 point – more than 7 days
2 points – more than 5 days
3 points – from 3 to 5 days
4 points – up to 3 days
5 points - same day

Completeness of information (maximum 11 points)

Payment system (explanation) - 1
. did they offer BELKART - 2
. production time - 1
. production cost - 1
. service cost - 1
. local or international - 1
. commission for withdrawals from banks and ATMs - 1
. Availability of Internet banking (IB) and mobile banking (MB) - 1
. process of connecting IB and MB - 1
. cost of IB and MB - 1

Facilities:

Ease of receipt:

If the bank notifies you that the card is ready, add 5 points; if not, add 0 points.

Ease of service (maximum 4 points)

Indoor renovation - 1 point
. cleanliness - 1 point
. electronic queue - 1 point
. corporate style of clothing and badges for employees - 1 point

Staff attitude (maximum 5 points):
. bank employee said hello - 1 point
. The bank employee was friendly - 3 points
. bank employee said goodbye - 1 point

The maximum possible number of points is 50 points.

All categories of the population, including pensioners, can receive a payment card from BPS-Sberbank; they will have to provide a minimum package of documents. There are standard and chip card options, and you can also choose a debit card with contactless payment options.

Types of BPS-Sberbank debit cards

Payment cards are serviced by payment systems:

1. Belkart.

The cards are personalized. They can be used to pay for goods in stores and on the Internet, transfer to other accounts, and withdraw cash. If provided by the program on your card, then in partner stores you can receive discounts when paying or cash back on the card. There are design options.

Conditions for receiving payment cards at BPS-Sberbank

To obtain payment card at BPS-Sberbank in 2019 you must provide an application and a passport.

Typically, the conditions are common to all customers, regardless of the type of product:

• age from 14 years (usually from 18 years);
• citizenship of the Republic of Belarus.

The cost of service depends on the selected service package and the status of the card. Using our website, you can apply for a job without having to leave your home.

Map Visa Platinum opens the doors to a world of special privileges and comfort. We understand that you demand only the best - and that is what we offer you. The Visa Platinum card was created specifically to perfectly suit your lifestyle. It is recognized and appreciated all over the world.

"Gold" MasterCard cards Gold are prestigious cards that emphasize the status of their owner - a person who has achieved a lot in life. Such maps provide comfort and confidence even in the most remote places on earth.

Visa Gold OJSC "BPS-Sberbank" is a new generation card that combines a traditional magnetic stripe and a microprocessor module that implements modern technologies ensuring security in payment systems. If the device does not work with microprocessor cards, then the operation is carried out using a magnetic stripe.

"Classic" MasterCard Standard cards are indispensable for people who spend a lot of time working and travel frequently. This card is convenient for paying in shops, restaurants and other retail outlets in any country in the world. Hundreds of thousands of ATMs and millions of merchants around the world accept MasterCard Standard cards. In many countries around the world, payment for goods and services by card has long been preferred over cash.

Visa Classic OJSC "BPS-Sberbank" is a new generation card that combines a traditional magnetic stripe and a microprocessor module that implements modern security technologies in payment systems.

Inexpensive to maintain, VISA Electron and Cirrus/Maestro electronic cards are perfect for customers who are starting to use a plastic card for the first time. They are used to pay for goods and services, as well as to obtain cash from electronic devices (ATMs and terminals) around the world. Mandatory authorization (verification) electronic cards during operations, it provides an additional guarantee of the safety of your funds.

VISA VIRTUON CARD

Visa Virtuon card intended for making purchases in online stores and making other payments on the Internet. Card holders Visa Virtue all capabilities of Internet banking systems are available " Personal bank" And " Mobile bank", as well as the services "SMS-banking" and "SMS-notification".

Corporate cards MasterCard Business for legal entities and individual entrepreneurs intended to pay expenses associated with economic activity client and business trips of corporate card holders.

Corporate cards Cirrus/Maestro and VISA Electron for legal entities and individual entrepreneurs are intended to pay expenses related to the client’s business activities and business trips of corporate card holders.

"Salary" VISA cards Electron and Cirrus/Maestro are issued individuals if there is an agreement between the Bank and the enterprise (organization) on the organization of payment wages using bank plastic cards.

Within salary projects the bank offers "electronic" VISA cards Electron and Cirrus/Maestro, which are great for first-time customers plastic card. They are used to pay for goods and services, as well as to obtain cash from electronic devices (ATMs and terminals) around the world.