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Utilities of Belarusbank. Internet banking is the provision of services by a bank via the Internet

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The article informs about the popular direction of development of the banking customer service system.

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Internet banking is a complete and universal electronic banking system developed by financial institutions for corporate and private clients. The popularization of cashless payments, the availability of the Internet and the rapid development of electronic commerce have made online banking an integral part of the modern financial market. This form of complex virtual services provides access to an open account using an electronic device (computer, tablet and smartphone), after which the client of a financial institution can perform various operations related to payments, managing current accounts and collecting statistical information.

Customer service in Internet banking systems

Classical electronic banking (E-banking) was created to significantly simplify the process of interaction between a financial institution and numerous clients. High-class remote banking services have a positive effect on the speed of various transactions. In addition, each client gets the opportunity to order reports and collect analytical data on the movement of their own cash flows.

Basic online banking services:

  1. Providing information on various banking products (deposits, loans, plastic cards).
  2. Internal transfers between the client's settlement accounts within the commercial bank in which they are opened.
  3. Payment for purchases, various services and utilities, including automatic payments.
  4. Interbank financial transactions - transfers to and from accounts opened with other banks.
  5. Internal and external transfers involving currency conversion.
  6. Conversion of funds directly on an open bank account.
  7. Blocking, applying for re-issuance and unblocking cards.
  8. Restriction of the limit of use of funds stored on the client's current account.
  9. Checking the balance and gaining access to information regarding completed payment transactions.

Depending on the software and technical solutions used at the platform development stage, online banking allows you to perform passive (checking the balance and account history) and active (transfer order, opening a term deposit) operations. Thus, electronic banking is a key element of banking for non-cash payments, including at the international level.

The online banking user gets access to information regarding:

  1. Opening, managing and closing current, card or credit accounts.
  2. Current loan agreements and the state of the debt repayment schedule.
  3. Deposits and accrual of interest payments.
  4. New services and special offers for regular customers.

Through the Internet banking system, any client can order various services and documents at favorable rates, including electronic statements of current accounts. Informing takes place directly on the site by pop-up notifications or by SMS to the phone number specified by the client.



Benefits of Online Banking for Financial Institutions and Customers

Getting access to the Internet allows you to use online banking in any corner of the planet. The client gets a unique opportunity to use all the necessary services of the bank at a convenient time. It should be noted that large commercial banks also provide the opportunity to activate the Internet banking service in a personal mobile phone. To gain access to this system, you just need to download and install the official application on your smartphone.

Advantages of electronic banking for the client:

  • Banking service 24/7.
  • Reducing the cost of performing operations related to various non-cash payments.
  • Elimination of indirect and direct unplanned maintenance costs.
  • Attractive services in terms of prices.
  • Ability to automate various payments through the use of templates.
  • Access to services from anywhere in the world without the need for a physical presence in the bank.
  • Current account control, including monitoring of cash flows, balance and non-cash transactions.
  • No queues and prompt banking service.
  • Quick and easy access to statistical information.
  • Advice and assistance to the client in real time.

To connect to the currently popular Internet banking service, it is enough to contact any branch or register on the official website of the bank. Accounts are automatically opened for bank card holders, but in order to actively use your personal account, you will have to confirm authorization.

Benefits for the bank:

  • Increasing revenue, which is mainly due to a reduction in the fixed costs of paying salaries to an extensive staff of consultants, economists, cashiers and financial managers.
  • Thoughtful distribution of resources to attract more users.
  • Expansion of the available range of services and products.
  • Increasing the level of confidence in the financial institution among customers.
  • Efficient electronic banking service that speeds up the process of making transactions.
  • Access to a cheap and convenient way to regularly inform the client about new services, current commissions and interest rates, or advertising campaigns through the use Email, SMS and push notifications.
  • The ability to collect valuable information about customers and the operations they perform.
  • Individualization of offers, taking into account the requirements of customers for the provision of services.
  • Creation of an additional source for receiving payments.

The performed transactions are carefully analyzed by representatives of a commercial bank in order to adapt future services to the needs of customers. Sophisticated query analysis target audience allows you to create and prepare special offers that meet the expectations and individual preferences of customers. In turn, electronic access channels for managing bank accounts and products are considered as an ideal source of informing customers to increase interest in bank services.

Online banking security

One of the main disadvantages of online banking is the problem of protecting sensitive data everywhere. Simultaneously with the development of official websites, financial institutions are also engaged in the creation and implementation of high-quality security systems that prevent the disclosure of secret data.

The main methods for ensuring the security of cashless payments through the online banking system:

  1. Simple authentication using login (ID), password and PIN code.
  2. Multi-level authentication that involves the use of a user certificate and a temporary password.
  3. Encryption of the data transfer process implemented thanks to the SSL certificate.
  4. Use of an electronic signature.

To ensure complete security, the online banking system uses multi-level authentication mechanisms for a registered user to generate a one-time password. After receiving the SMS, the client must enter a test set of numbers to carry out the planned operation. A similar principle of generating a one-time password is also available in the mobile application. The use of complex systems for protecting confidential data ensures complete security in the implementation of all kinds of monetary transactions, freeing the client from the need to carry additional electronic equipment.

As a result of the systematic increase in the volume of transactions performed through the use of mobile and Internet banking, continuous and thoughtful improvement of the security system is required. Reducing the risks associated with non-cash payments will significantly increase the level of confidence in the bank. Continuous work to speed up the process of processing payments and increase the level of security of virtual acquiring systems makes the Internet banking system one of the main directions for the development of the modern banking services sector.

Internet banking is a software and hardware complex of JSC " ASB Belarusbank”, which allows you to manage your account through the global network.

Important! One client can have only 1 account in the Internet banking system.

Only owners of a card issued by Belarusbank can activate the service. Connection of "Internet banking" is carried out via the Internet or when visiting the bank in person.


The procedure for connecting through the website of Belarusbank

To connect the service through the site, the following steps are required:

  1. on the website of JSC "JSSB Belarusbank" fill out an application to receive the service;
  2. pay for this service through "Internet banking", using the payment card specified in the application.

If you connect through the website, then after registering the application, the personal identification data required for use in Internet banking will be delivered to the client by a Belpochta employee within 10 days.

What to do if Internet banking of Belarusbank is blocked?

After entering the wrong username or password 3 times, the account is blocked. To resume work, you must submit an application to the bank to unlock the system.

Brief instructions for use

After receiving the identification data, you need to log in Personal Area on the website of Belarusbank.

In the personal account, the client will be able to manage a bank account.

The interface of the cabinet is designed to be intuitive, so users will not have any difficulties after visiting it.

The following functions are available in your personal account:

  1. get acquainted with the information about the performed operations;
  2. analysis of account balance and expenses;
  3. various settings;
  4. replenish and create deposits;
  5. request reports on deposits;
  6. coordination of work with credit cards;
  7. payment of loans;
  8. financial transactions for transferring money to other accounts;
  9. pay for utilities.

Personal settings

Your personal account allows you to change your password and change your personal information, etc.

In order to carry out these operations in Internet banking, the following steps are required:

  1. go to the ibank.asb.by page;
  2. enter the password, login and press "Enter";
  3. dial a personal key from your code card.

Procedure for activating the code card

You need to enter the "Maps" menu. Enter your mobile phone number. Next, the client will receive an activation code. This code also needs to be entered in the menu, as well as the number, expiration date and code on the back of the card.

One button payment

In case of performing the same financial actions, it is very convenient to use the function "One button payment".

To this end, the following must be done:

  1. open a personal account;
  2. go to "Payments" and click on "One button payment";
  3. determine the account number for making payments;
  4. mark the list of paid services;
  5. click on the "Continue" button.
  6. Enter payment information in the displayed form;
  7. approve the payment by clicking on "Pay".

Commissions may be charged for financial transactions through Internet banking.

Payment for utility bills via Internet banking of Belarusbank - the ability to remotely and securely make payments. Paying utility bills through a single centralized system, access to which is provided from any place where there is an Internet distribution.

Payments are made in the usual way and after a successful payment, you can get a receipt for your own reporting. There is a contact center in the banking shell (number 141), where you can contact for help.

General instructions for paying utility bills

Pay for a communal apartment using Belarusbank Internet banking not so hard, as it seems. The service works through ERIP are online payments that pass through the circle of a single information space.

All successful transactions are stored in your personal account - you can enter it at any time to clarify information about payments.

Regardless of which payment you choose to make, need to do things like this:

  1. Get to the main section "Payments and transfers" - "Settlement system".
  2. Select the New Payment button.
  3. From the proposed list, select the settlement if you need to pay for electricity or other services of this type.
  4. When requesting a card number and other data, they must be entered without errors, otherwise the write-off will not occur.
  5. After once you have checked all the information, confirm "Continue".
  6. To save an existing template, you need confirmation with the "Save" button.

How to pay utility bills through Internet banking?

How to pay utility bills using Internet banking of Belarusbank? For this it is enough follow instructions and carry out the necessary operations on the card. The calculation can be carried out for rent, and for water, for light.

In a single shell of the calculation are saved different types services (you can also pay for privatization), which can be selected for both primary and repeated payments.

Particular attention must be paid entering information for the first time, which can later be saved and used to pay for services anywhere.

Joined the unified banking system of Belarusbank OJSC in order to open up the possibility for its customers to make safe, familiar payments without queues.

Such a settlement system works with several dozen services, and during the first payment transaction a unique code is assigned, which must be remembered.

Unlike other payment methods, ERIP has distinctive advantages:

  • Payment is made not only through a bank card, but also through an electronic wallet.
  • It is possible to pay without commission and at uniform rates.
  • The reliability of the information provided in banking is guaranteed.
  • When difficulties arise you can apply to a single contact center.

Payment of utilities via the Internet

Favorable period for payment of housing and communal services in the banking of Belarusbank is the range between the 15th and 25th of every month, since information about payers is provided by service companies on the 1-15th day of the month.

So that there are no disagreements on the payment of gas, home telephone, electricity, then it is desirable to pay during this specified period.

Through Internet banking of Belarusbank

More and more new services appear in banking, which the system remembers and allows you to perform operations from different places. So, if you are delayed on a business trip, but you urgently need to pay for housing and communal services, then you can do this anywhere, paying with an electronic card of Belarusbank.

In Internet banking, a list of payer services opens, which includes both already made payments and new items. It is also possible in the shell to pay for the privatization of an apartment, which is located in the "Real Estate" section (disclosed after choosing a city in the banking cabinet).

Detailed instructions:

  • After registering in Internet banking, the client enters the main online page.
  • On the main online page of ERIP there is a section "Payments and transfers", in which the "Settlement System" opens.
  • Next, it is proposed to use a template or create a "New payment".

 Step 3
  • A list with cities opens, select the location of the payment object (for example, Gomel - Utility payments - Gas supply or other).

must be adhered to

  • In the ERIP tree, select the required payment point (for example, "Internet and cable TV", "Other payments", "Transfer of funds").
  • Specify a specific service provider.
  • Payment is being made through a bank card, the details of which must be further specified with precision.
  • Fill in the payment details required by the system by clicking "Cancel" or "Continue".
  • Confirm"Pay".
  • You can save or add to favorites(Payments made are stored in the history in your personal account).

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With a mobile app

You can also pay for gas or other services using a mobile application that has been tested by Belarusbank. You can get the installation file from the Google Play Market. Once the application is downloaded to the phone, you need to go through a simple registration procedure.

To do this, the user will need:

  1. Read the user agreement and Accept him.
  2. Generate a password or code (it will be used to further enter the bank's online account).
  3. Specify the provider of your connection and enter the phone number.
  4. After filling in the fields correctly receive sms with confirmation code(it is entered in the designated field).
  5. At the next stage need to activate bank card by entering a PIN code from SMS.
  6. Successful registration completes.

Once registration has been completed, opportunity to pay Housing and other services.

For this, the user has to follow this instruction:

  • Go to installed application by using the registered password.
  • Get to the general menu.
  • Find an item"Payments and transfers".
  • "Settlement System".
  • Open a new payment.
  • Select the place of registration indicating the city, region.
  • Find the section "Payment of utilities".
  • Select an organization or service.
  • Specify the card from which funds are debited.
  • Specify the details in the empty fields.
  • Confirm "Pay".
  • Then save the successfully paid payment.

Phone payment via internet banking

You can pay by phone using simple Internet banking operations. The payer must follow this instruction:

  • Go to the Calculation shell.
  • Click "New Payment".
  • Further "National".
  • Find your operator, region.
  • Click on "Phone".
  • Enter all the data requested by the shell.
  • Save details as a template if needed.

Internet banking – electronic system customer service of the bank, namely plastic card holders. This system allows you to use a wide range of services and make a large number of different payments without visiting a bank branch and without using an ATM or payment terminal.

Payment for services via the Internet is convenient and popular for various reasons:

  • Remote access to bank card funds allows its holder to save time. Long standing in line is one of the main reasons for the negative attitude towards visits to bank and post offices. AT modern world Companies that show respect for their customers' time are highly sought after by consumers.
  • 24/7 access to transactions bank card does not entail the need to build a work and personal schedule, taking into account visiting a bank branch.
  • Not having to leave your home is an important argument in favor of remote access. For people who find it difficult to move around, or who suffer from phobias associated with the need to be in public space, this service allows them to be independent and included in society.

The deadline for payment of utilities does not depend on which payment method the client chooses. In any case, all payments must be made no later than the 25th day of the month following the reporting one.

How to pay utility bills in Belarus via Internet banking

Payment for utilities via Internet banking Belarusbank is quite simple:

1. You must log in by entering your username and password.

2. In the menu at the top of the page, select "payments and transfers"

3. In the pop-up menu, select "Settlement System (ERIP)" to get into the Unified Settlement Information Space

4. From the proposed geographical names, select the necessary

5. In the menu on the right of the proposed items, select "utility payments"

6. Select required view utility bills (gas, electricity, home phone, etc.)

7. Enter the necessary data depending on the type of payment chosen (settlement account number, address, telephone number, full name of the citizen who concluded the contract, etc.)

8. Enter the payment amount (when paying for electricity or gas, meter readings are entered, and the amount is calculated automatically; when paying for some other services, you do not need to enter the amount, since it is already registered)

9. At the bottom of the page, click on the "Pay" button

In order to be able to use the described service, you need to register in the Belarusbank Internet banking system. Paying utilities after that will take much less time and will be available 24 hours a day on almost any device with an Internet connection.

Remote payments have become more accessible to compatriots, allowing them to save time and effort, conveniently conduct transactions, pay for Internet services, utilities, education, etc. Many people learn how to pay for the Internet through Belarusbank Internet banking, after which they actively use the service.

Each client of Belarusbank can get remote access to a settlement or card account, for which they contact a bank branch or register remotely at an information kiosk.

Basic operations with a Belarusbank card

Belarusbank is a financial institution on the territory of the Republic of Belarus, offering a range of services, including bank cards.

Bank branches are open in major cities of the country, so it will be useful to learn how to put money on a Belarusbank card.

After all, in this case, you can safely store money, transfer it in favor of third parties, cash out at a convenient time.

How to deposit funds to a card account?

To put cash on a Belarusbank card, a person visits a branch of a banking institution, where he tells the operator the number of the payment card. The operation can be performed through a network of payment terminals with the Cash-in function or info kiosks. To replenish the card, it is not necessary to take plastic with you, since it is enough to know the card number and expiration date.

In the same way, a third-party card issued by Belarusbank is replenished. Money is credited instantly. When replenishing without a card, the bank commission is 2.5% of the amount of credited funds.

Money transfer

  1. Transfer from a current account or another card opened in the same bank. The operation is carried out at a branch of a financial institution, at an ATM, information kiosk or using M-banking and Internet banking.
  2. Transfer from another bank operating in the territory of the Republic of Belarus. You need full details of the card account: code of the bank institution, its name, transit account, full name of the owner.
  3. Transfer from abroad. SWIFT transfer through correspondent accounts of banks, and in the currency of the card account.

Balance check

How to check the balance? Should:

  1. Insert the card into the ATM and click on the "Balance" option.
  2. Call the hotline, answer the questions of the operator, who will report the balance on the account.
  3. Connect SMS banking services at a branch of a financial institution or through a payment terminal, after which messages with the account balance will be sent to the user's phone after each operation (replenishment, withdrawal, transfer).
  4. Log in to the Internet Banking system, click on the card account number and view the balance.

Card blocking/unblocking

There are several ways to block a Belarusbank card, which is necessary if it is lost, stolen, lost, or if the card is left at an ATM.


A person calls the call center. After identifying the client, the operator will block the payment card within 2-3 minutes. Having access to Internet banking, the user can independently block the card account by clicking on it with the mouse and selecting the desired option.

To unblock a Belarusbank card, you will need to visit the nearest branch of the bank and write an application, however, the operation can also be performed remotely using the Internet banking or M-banking system.

Having logged in with his login and password, the user independently performs the required operation, after which his payment card is unlocked.

Important! If the blocking/unblocking of the card is performed by the customer support phone, the person needs to remember the code word that he indicated when opening the card account.

Overdraft to salary card

Overdraft in translation from English means "overspending" and is an authorized (or unauthorized) loan provided by the bank for the client's card account. In other words, this is a short-term loan for a small amount that the user must repay within the period specified in the contract.

Maturity Annual interest rate
1 month 33%
3 months 33,5%
6 months 34%
10 months 34%
24 months 34%

Other internet banking options

The Internet banking complex of the financial institution Belarusbank is designed to make payments online remotely. To pay for electricity, gas, Internet, cable TV, a person registers in the system, receiving an individual login and password.

You can enter your personal account from any device with Internet access, after which the payment function becomes available.


Internet banking of Belarusbank allows you to:

  1. View card account balance.
  2. Transfer funds to third parties.
  3. Open and replenish deposit accounts.
  4. Pay off a loan.
  5. View the current account statement (income/expense).
  6. Pay for the Internet, education, treatment or utilities.
  7. Top up a mobile phone account of any operator of the Republic of Belarus.

Internet payment

To pay for the services of the Byfly Internet provider or any other Internet provider through the remote Internet banking of a financial institution Belarusbank, you should:


Payment of utility services

To pay utility bills, do the following:

Loan payment

A convenient feature is the payment of a loan through the Internet banking of Belarusbank, available to every owner. To pay off debt:

  • go to the "Payments and transfers" option;
  • select the section "Repayment of loans";
  • then enter the number of the loan agreement, the amount of payment and make a transaction.
When paying off a credit card debt, you can use the function of transferring funds between your accounts, which reflects all the client's payment cards, including credit payment instruments.

Phone payment

To pay city or mobile phone After logging in to your account:


To pay for a landline phone, they choose a company - an operator that provides wired communication services, enter the payment amount and personal account number, after which the funds are credited.

Conclusion

Belarusbank is a modern financial institution where a person can open a card account, block and unblock a card, replenish it or transfer funds to third parties. With the help of ATMs and payment terminals, a card account is also replenished with instant crediting of funds.

The Internet banking complex of the financial institution Belarusbank is a reliable system that allows you to pay bills, top up your mobile phone, transfer money to third-party accounts, pay off debts, etc. To use the system, a person registers in remote banking, receives a login and password, and then makes a payment at any time of the day or night. A big advantage is the payment without leaving home, with the ability to perform the transaction through a laptop, tablet or smartphone.