What Internet banking gives. Internet banking system for individuals. The cost of Internet banking for individuals

Every year, millions of different payments are made between legal entities around the world. For large transfers, Internet banking is used for these purposes, with which you can make payments directly from home. One of the campaigns providing such a service is Belarusbank. Therefore, the question of how to connect Internet banking to Belarusbank is quite relevant. To do this, you need a modern PC and Internet access.

registration

Internet banking Belarusbank is easy to connect. First, you need to register online on the main campaign website. Overall, it is very simple and consists of just the following six steps.

• Step one. Here you need to fill in all the fields (name, citizenship, date of birth, etc.) in accordance with your passport. If you are not a resident of the Republic of Belarus, and there is no identification number in your passport, leave the field “ an identification number"Blank. After you have filled in the required fields, click "Continue".
• Step two. Enter the data in the fields that appear payment card OJSC "Belarusbank", registered for you. In the event that you need to enter more cards, click on the plus sign, to delete by minus. After you have added all the cards, click "Continue". If any of the cards is invalid, the system will display the inscription: "Some of the entered cards are invalid."
• Step three. Enter the required data (address) in the empty fields so that Belpochta employees can deliver you a code card for logging into your account. If the entered address is not located on the territory of Belarus, then the application will be automatically rejected.
• Step four. Now you will need to enter a password, login, Security Question and the answer to it. In the "login" field, enter any username you want and check if it is free. A little higher will be displayed, respectively, "There is already a client with the same login" or "Free name". Next, enter a strong password of eight to twelve characters, consisting of Latin letters. Remember it and do not tell anyone. Now enter your security question and answer in the appropriate field. In the future, you will inform the operator of this information when unlocking in the system. If you fill in all the fields, click "Register".
• Step five. Since the connection to Internet banking "Belarusbank" is paid, at this stage you need to indicate the number of one card specified during registration, from which a certain amount will be charged (see the tariffs on the company's website).
• Step six. If the payment was successful, you will see a corresponding message.

You are now a user of the system and can perform the following operations:

• View the remainder Money on the account.
• You can also open and pay off deposit accounts using the service. "Credit management".
• There is an opportunity to make payments, transfer money "with one button", and also view information about the actions already taken.
• You can change account data (change password, login, “one button” templates and other functions.

With the help of OJSC "Belarusbank" you can secure payment for goods or services of the following services (this Internet banking has concluded an agreement with them):

• Belarusian Railway (tickets).
• Coins of Belarusbank.
• National Library of the Republic of Belarus.
• Central science Library named after Y. Kolas NAS RB.

Attention: when performing any operations (transfer of funds, payments, etc.), do not perform the following actions:

• return to the previous page,
• close or open another window,
• refresh the page.

entrance

Before entering, make sure that a good antivirus is installed on the device from which you are performing this action. Also make sure the site is authentic. This site has a lock icon in the address bar, double-clicking on which should bring up a dialog box that contains information about the digital certificate of authenticity.

If everything happened exactly like this, then you can perform the following actions:

• By typing "Belarusbank" in the search bar of your browser, follow the link "Internet banking".
• Next, enter your username and password in the fields. Now enter one of the codes suggested by the system.

When entering "Internet banking", please adhere to the following rules:

• After you are logged in, change your password.
• Remember that if you enter data incorrectly three times in a row, your account will be blocked.
• You can unblock it using SMS by writing an application to one of the banks or by calling the help desk at 147.

Guides for different situations

• Loss of the code card. If you lost your session code card, and / or a third party got it, immediately contact the bank by calling 147. To block your account, you will need to inform the operator, and then answer the security question you specified during registration. In order to subsequently unblock your account, you must inform the bank of your intention in writing by presenting your ID.
• Unlock by SMS. If your account has been blocked (for example, for entering the wrong password three times), you can use the SMS Unblocking service. If you activate the service, a code will be sent to your phone number, which must be entered along with the login, password and number from the session code card. Attention, if you have requested the code more than three times, then in order to unblock your account you will have to go to the bank with a written statement and identity card.
• Forgot your password. V in this case you will have to go to a bank institution, where it is necessary, by presenting an identity card, to write an application for creating a new password.
• Forgot your username. If you do not remember the login and / or its register, then just call reference bank by number 147. After providing your passport data and answering the security question, you will be told your username.
• Confirmation of operations. If you have this problem, you should contact the bank at the place of maintaining the account and opening it (having an identity card with you).
• IF change. In the event that you have changed your first or last name, you will need to apply to the bank with an application for reissuing the card (having your passport with you).

Attention: check the spelling of the first and last name, if a mistake is made, the card needs to be reissued.

In Russia, it does not stop improving. The mechanism of functioning of the electronic settlement system is plastic cards, which include transactions carried out using ATMs, electronic system calculations of the population in trade organizations. But the most common will be the implementation of services via the Internet.

Internet banking Is the provision banking services via the Internet with the possibility of round-the-clock access any day of the week from any place where there is Internet access.

The development of Internet banking is now quite promising. More and more are beginning to implement systems that allow them to interact with customers over the Internet. One of the promising areas is providing clients with mechanisms that will allow them to make payments quickly, regardless of the location of the recipient and the bank whose services he uses.

• saving time;
• accounts are monitored around the clock;
• any online payments go through without delay and without the personal involvement of the account holder.

Characteristics of Internet banking

There are three most important characteristics of online banking systems required by customers:

• functionality(operations available to clients);
• ease of use of the system (user interface);
• ensuring the security of storage and transmission of financial information.

The wider functionality Internet banking systems, i.e. the more services are available to the bank's clients via the Internet, the more complete and in demand such a system will be.

Convenience one or another Internet banking system, as a rule, is expressed in the following:

• how friendly the user interface is on the client side of the system;
• how clear and simple is the installation and configuration of the software;
• how convenient and simple are the usual methods of performing operations in the system for obtaining various banking services, especially for novice users.

Protection of Internet banking systems should provide:

• unambiguous identification of interacting subjects (client and bank);
• encryption of transmitted financial information;
• security of information transmission channels;
• protection of information carriers.

Internet banking problems

Let's consider the problems associated with Internet banking. There are already quite a few such problems. Some of them are related to the specifics of banking. Part of it is due to the peculiarity of the Internet.

The main problems of Internet banking in Russia:

• insufficient supply of services;
• poor development of the personal market segment;
• security, problems associated with digital signature.

Let's consider each problem of Internet banking separately.

Not so long ago, banks could relatively calmly ignore the low, but still existing demand of the population for banking Internet services. Until recently, this could not appreciably affect their market position. However, the situation is changing: in Russia he feels more and more confident; consumption of both consumer goods and durable goods is growing; the demand for paid services is increasing. All this is already forcing consumers to more often turn to the services of banks and not only.

A serious problem on the way of development and implementation of the bank's Internet project is personnel problem... The quality and efficiency of solving any problem directly depends on the qualifications of the specialists who undertake it. For the development and maintenance of Internet banking systems, programmers, system administrators, web designers, experts in computer and communication security, economists, marketers, and lawyers are needed today. All of them should have a good idea of ​​the world of the Internet, which is now far from always achievable.

On the way of Internet banking, there were psychological problems... There are two extreme points of view among bankers. Those who adhere to the first of them believe that The internet is dangerous and we don't need it. The position of the latter is the opposite: "The Internet is extremely promising, and it is necessary to develop an Internet business, no matter what it costs us." Both radical judgments only reflect the different stages that people usually go through when starting to get acquainted with the Internet. Thus, the absolute denial of the appropriateness of its use is characteristic of those who are not familiar with the global world Internet. Fanatical faith is characteristic of those who have just learned about the opening horizons. The result of the first of the misconceptions can be a technological backwardness of the bank, and the result of the second - the expenditure of significant funds without a specific return.

There is only one the right way that allows you to develop a more professional attitude to the Internet - you just need to continue to master it.

There are also serious technical difficulties, and problems associated with electronic digital signature (EDS).

1. Firstly, realization... In addition to the usual difficulties, those associated with the choice of tool and software technology are added.
2. Secondly, creating the desired configuration... The difficulty lies in the huge variety of system software for Internet complexes. This also includes the problem of choosing a web server, proxy server, firewall, mail server, FTP server, etc. As a result, personnel and financial approaches- preference is given to systems that are either familiar to employees of automation departments, or will be easier to learn, or specialists in their maintenance will cost the bank less.
3. Thirdly, protection... Experts refuse to discuss it in a technical aspect.

Along with other problems of expanding the Internet banking market, two reasons - insufficient supply of services and security problems - are undoubtedly key for the current stage of its development in Russia. Hopefully domestic banks finally, they will understand that the prospects for the development of the market for online services are entirely in their hands and depend on their initiative.

Internet banking development trends

I would like to note the current trends in the development of Internet banking in Russia.

Firstly, the activity has increased and the role of developers of specialized equipment and software for the needs of Internet banking has increased, both by domestic companies specializing in banking automation, and by Western developers entering our market. For instance, Russian company"BIFIT" has developed the iBank system, which today is already in operation in 23 Russian banks... Number of users new service each of these banks has from 30 to 250 clients - legal entities.

Secondly Internet banking is developing either in combination or in parallel with the development by the same banks of means of organizing e-commerce - payment and trading Internet systems. Examples of such activities: a joint project of Avtobank and the IT company, the ElIT-Card Internet payment system, payment system CyberPlat. It should be added that in parallel with the services of Internet banking in banks and companies close to them, which are often part of the same financial group, other Internet services are actively developing: Internet trading and Internet insurance.

Thirdly, the introduction of other areas of remote banking services in banks simultaneously with Internet banking is expanding: telephone banking, RS-banking and this year's novelty - WAP-banking (a joint project of GUTA-Bank and MTS). At the same time, various forms of remote services do not compete with each other, but, on the contrary, largely complement each other, providing customers with a wide choice of channels for accessing their own bank accounts.

Today there is every reason to believe that in the near future Russian market Internet banking will face serious progressive changes, both quantitative and qualitative.

The extensive development of the corporate Internet banking market will continue next year. However, active development will be possible provided that the banks themselves begin to actively promote Internet banking services to their customers. The main problem of the market is the poor awareness of bank customers about the possibilities of remote services through Internet banking.

In the near future, serious changes should also take place in the segment of personal Internet banking. A powerful impetus in the development of the market should be the release by leading developers of Internet banking systems solutions focused exclusively on individuals.

Internet banking- a set of tools for managing bank accounts via the Internet. Ideologically, Internet banking can be carried out both through a "thin client" (no additional software, operational pages are processed by a regular Internet browser) and by means of a "thick client" (requiring the installation of special software on the user's computer that displays information, transfers to the command bank and encrypts all transmitted content). In most cases, private clients do not need to install additional programs, therefore, the client is not tied to a specific operating system and can use both a PC-compatible computer and a MAC or all kinds of portable devices (phones, communicators, tablets). Transactions are made through the website of the bank itself, which can be accessed using a standard Internet browser (Microsoft Internet Explorer, Mozilla FireFox, etc.). Traditionally, the bank offers its clients - legal entities a "fat client" - it provides special software (client-bank) for conducting transactions via the Internet, which is installed on the organization's computer.

Confirmation of remotely transmitted transactions is made (depending on the bank's capabilities and user preferences) with an electronic digital signature, a one-time password (from a table or a card of variable codes or from a password generator, a message received by SMS), a special payment password or "PIN2" in the terminology of some banks.

Tariffs for Bank operations(transfer from account to account with another bank, conversion, payment for services, etc.) in the Internet Bank, as a rule, is lower than in a regular bank branch. This is due to the fact that the client, in fact, plays the role of an operator himself, and the website serves as a banking unit for him.

In Alfa-Bank, for an operation to transfer money via the Internet to an account in another bank, they will take 0.3% of the amount (minimum 20 rubles maximum 150 rubles), while in a regular branch the tariff will be 1.4% (minimum 169 rubles, maximum 1,690). It is not uncommon for common transactions in the Internet Bank to be charged with a fixed and, rather, a symbolic amount. So "Avangard" and the Bank of Moscow for transferring money to an account in another credit institution will withdraw 10 rubles, and Bank24.ru - 15 rubles.

Usually, the bank sets the lowest tariffs at the time of the launch of the Internet banking service. For this reason, clients quite often change Internet banks - in pursuit of the lowest commissions for the banking operation they are interested in at the moment.

Account management via the Internet (due to low commissions) is considered the cheapest, but if you follow all the requirements of security experts, the client will need to have a separate computer used only to connect to the Internet banking website. This makes online transactions not nearly as profitable as it is commonly believed. In addition, the bank (in a rare case) may charge a subscription fee for the Internet banking service itself; at VTB 24, in particular, it is 300 rubles a year.

Due to the failure of customers to comply with all the numerous security recommendations (which the bank usually lists in a special memo issued to the user when signing an agreement on connecting to the Internet banking service), there are frequent cases of fraud with bank accounts, which are managed via the Internet.

We have released a new book, “Content Marketing on Social Media: How to Get Into the Heads of Subscribers and Fall in Love with Your Brand”.

Internet banking is a management interface bank account when there is no need to go to the bank to carry out transactions: bill payment, cash withdrawals, transfers, etc.

More videos on our channel - learn internet marketing with SEMANTICA

What is Internet banking on simple example? This is an accountant who does not eat, does not sleep, is available around the clock. A businessman can ask at any time of the day how much money is left, give the command to pay the bill, etc.

Your current account is linked to the bank card, therefore, you can also manage your card account through this system. You can connect to Internet Banking at your office or through an ATM.

Two types of programs for Internet banking

• Thin client (for all clients) - on a businessman's PC or mobile device, Internet banking pages are opened by an Internet browser. The work takes place through the bank's website. Operations are confirmed via SMS.
• Thick client (usually for legal entities) - special software is installed on the user's device (bank-client), which displays information and transmits encrypted user commands to the bank.

Confirmation of operations is carried out through an EDS (digital signature), a special key on a flash drive.

Work of the "Thin Client" on the example of Sberbank

Let's consider the work of the "Thin Client" on the example of the Security Council of the Russian Federation.

We go to the bank's website and enter the username and password.

All actions must be confirmed with codes that come to the linked phone number. We confirm the entrance by entering the code from
SMS messages.

In the menu, you can work with accounts, payments, loans, as well as open deposits, new accounts, create templates for standing payments, etc.

At the bottom of the page, assistance from bank employees is offered if you have any questions.

Transfers can be made according to the details to any banks, and there is also a list of template payments such as payments for utilities, taxes, fines, etc.

Rates in the Internet bank are usually lower than in a bank branch, since the client himself is a teller for himself.

Security rules when working with Internet banking

Unfortunately, there are times when a fraudster can manage your account over the Internet. In order to protect yourself from fraudsters, you need to be very careful.

• Install licensed antiviruses and additional protection tools on your device.
• Protect your mobile device with a strong password.
• On the mobile devices install only official applications of banks.
• Do not install applications that have access to the address book and SMS.
• Do not "flash" your phone (for example, jailbreak). Factory protection will be thrown.
• Turn off Siri voice control on iPhone when the screen is locked.
• Do not enter undo passwords. They are requested by scammers.
• Working with the Internet Bank always takes place via an https connection. Also check to see if you are being bounced to a third-party site.
• One-time codes are sent to SMS only from the official short number of the bank.
• If suddenly a bank employee calls you, then all your data is known to him, he does not ask you for anything.
• Do not follow the links that came to your e-mail, even if they came from the postal address of the bank.
• Keep your login, password, and code secret on the back bank card, its validity period.
• Do not share the codes that come in SMS to anyone, even people who introduced themselves as bank employees.
• Do not tie other people's phone numbers to your bank card.
• If you lose your bank card or phone, notify the bank immediately.
• Pay for purchases on the Internet only through trusted services.
• Ideally, work on a separate PC that is used exclusively for banking operations.