Checking Belweb balance by phone. Service “Information about the available amount on the card” service “Mobile Banking. What limit can be credited to the card?
February 9, 2017 20765
And not only me, apparently :) At the bank, where I applied with a certificate of income, I heard from all sides: “I want to get an installment card”, “Tell me about the conditions” and “Well, will the bank give me a “Shopping Card”?”
By the way, 25 minutes passed from the moment I applied for the card until the decision was made, a little more and I received it. This is where the fun began.
What happened next?
For several days I studied lists of stores where you can buy something useful in installments. And she rushed from one extreme to another: either I don’t need anything, and the partners are not at all the same, then I need everything at once.
Both purchases were not urgent, and, moreover, did not require purchase in installments for some objective reasons, for example, due to lack of money. But I had to try the card in action :)
However, the information on the website was true, and the installment periods were confirmed by the salespeople in the stores.
That's just in Beluvelirtorg Having learned that I plan to pay with “other people’s” money, they almost halved the discount amount!!!
At the time of purchase, the discount on all goods in Beluvelirtorg was 35%, and I (as a client paying with a “Shopping Card”) was given a 20% discount
The mechanism for using all installment cards, and the Belgazprombank card is no exception, extremely simple: You can purchase goods and services without a down payment. You will make payments for the purchase monthly in equal installments (it is possible in larger amounts, of course), and if you meet the allotted deadlines, you will do without commissions or overpayments.
Information from Internet Banking
Among the obvious advantages of Belgazprombank’s offer is the absence of payment for account servicing or card issuance (Halva owners may be jealous;)), as well as:
- more than 8 thousand partner stores
- 0% for using installment plan
- 0% an initial fee
- free refill
- 2% cashback when paying with your own money in partner stores
Yes, yes, Belgazprombank accrues more cashback for payments with its own money than MTBank, but there is one drawback, albeit subjective:
- You can even pay with your own money only in partner stores
This is the only condition that will personally prevent me from turning the “Purchase Card” into my only payment card.
As for the installment period, everything turned out to be not so simple here either - the bank itself promises up to 24 months. In fact, this pretext “before”, of course, justifies the real situation.
But I never found any offers with a maximum period. At least in Minsk. Two jewelry stores offer 22 and 18 months. There are offers for 8-12 months, but they are rare, the most frequent are from 2 to 6 months.
Having weighed all the pros and cons, I can say for sure that I will not immediately close the “Shopping Card”. It will probably find useful applications in the future :)
A small conclusion. About installment cards in general
I still wouldn’t position the installment card as a tool that allows you to properly manage the family budget. This rule does not apply to all cases. It’s one thing if you have a really big purchase coming up, which you purchase in installments today and pay off tomorrow without any pain for the family budget.
It's painless.
And it’s quite another thing when at the checkout counter of a grocery store, where installments rarely exceed 1-2 months, people use the card as "magic wands" which allows "get out" in the situation. Because next month you will have to take money out of your pocket to pay off your debt to the bank.
On the other hand, why not take advantage of a month's grace period at the grocery store if an anniversary, a child's birthday, or New Year is approaching.
Therefore, I would call installment cards a very interesting tool, but they require proper handling :)
Need in banking services It is not always possible to plan, and sometimes a sudden need requires a revision of all plans in order to visit the bank office. So that in order to open a deposit or transfer money to another card you do not have to reschedule a meeting with friends or be late for negotiations with a partner, it is worth connecting to Internet banking.
Registration Features
Login to the personal account of Belgazprobank is carried out with home page website http://belgazprombank.by/. To access it, you need to find the “Internet Banking” button in the upper right corner of the screen.
Before ample opportunities to commit banking operations will become available from anywhere in the world, you will have to register.
Three categories of individuals can get access to their personal account on the website:
- new users who do not have deposits, loans or Belgazprombank cards;
- bank clients who have already issued a payment card;
- clients of the interbank identification system of Belarus.
That is, to register in Internet banking, you do not need to have a history financial relations specifically with Belgazprombank.
For those who have not previously been a client of Belgazprombank
If you are not a bank client, you can start using its products through your personal account. The whole process consists of three stages: creating a profile, entering passport data, identification. The last stage requires visiting a bank office with an identification document.
Some services will also be available to users who have not been identified at the bank office. So, by simply filling out information about yourself in a special form, you can:
- design credit card"Fast money";
- request a Belgazprombank Purchase Card;
- leave a request for consultation on lending to individuals and businesses;
- leave a request for installation of banking equipment (terminals);
- make transfers between cards of banks of the Republic of Belarus;
- make payments from a card of any Belarusian bank;
- use the service of a personal financial assistant: draw up a budget, analyze income and expenses.
To make this list of services available, the following client information will be required:
- login;
- e-mail;
- mobile phone;
- Full Name;
- a codeword.
By filling out the proposed fields in the “Additional Information” section (gender, date of birth, address, details of an identity document, etc.), it will be possible to reduce the time spent in the bank office at the identification stage.
After clicking the “Continue” button, the system sends an SMS message with a temporary password to the specified phone number.
Identification opens up broader opportunities for the user:
- filling out an application for issuing a payment card;
- requests for expense transactions on accounts;
- online registration of an overdraft on a salary card;
- cancellation of a payment transaction;
- request to change personal data;
- card and account management;
- access to your credit history.
For those who already have a card/deposit/account
Clients who already cooperate with Belgazprombank offline simply need to register on the website: enter personal data and receive a password. No identification required. You can use the capabilities of your personal account immediately, especially since access will be open to all Internet banking services.
If you are a client of any bank in Belarus, then to register in the Internet bank of Belgazprombank OJSC you need to:
For clients of other banks in Belarus
Even those users who are currently using financial products of another bank can open a Belgazprombank personal account. In the registration section for new users on the website http://belgazprombank.by/ you need to select the third category “MSI User” and follow a simple algorithm:
pass authentication in the Interbank System as a client of Belgazprombank.
The MSI website must indicate the login that will be used to register in personal account jar. The procedure also ends with an SMS message with a temporary password, and you also do not have to visit the bank office.
Login to your personal account
Having gained access to making financial transactions online, it is useful to remember the different ways to enter your personal account:
- by login and password;
- by using mobile application jar;
- using an electronic digital signature key.
A special service in the BGPB mobile application is used to generate codes for logging in and confirming transactions in the Internet bank.
Online banking for business
Recently, the bank has introduced a similar service for legal entities. You can evaluate the benefits of Internet banking for business through the “Demo Login” tab: https://corporate.bgpb.by/Default/DemoLogin.
In this mode, you can study in detail all the features of your personal account, for example, try to create payment order and check how convenient the system interface is.
To use a personal account, a legal entity will need to determine which employee will receive administrator rights and be the first to register the organization.
An example of using the BGPB Internet bank
It is better to discuss the benefits of electronic access to financial transactions using an example. Let’s say the client plans to deposit an amount to repay the installment plan on the Purchase Card. This can be done through your personal account on the website:
- in the user profile, select the “My Portfolio” tab;
- enter your username and password;
- find in the list bank cards the desired one and select “Top up” from the drop-down list of actions;
- enter the replenishment amount and the card from which funds will be debited;
- confirm payment with a session password.
Password for Belgazprombank account
The temporary password from the SMS message is valid for 1 hour, during which you must log into your personal account using your login and this code as a password. The Internet banking access system is case-sensitive and keyboard layout-sensitive, so it is important to enter capital letters in capital letters. When visiting your personal account for the first time, it is recommended to change your password.
In order to protect the client’s personal account from use by third parties, it is recommended to change the password at least once every three months. To do this, just log into your personal account profile (by clicking on your name) and open the “Login Password” tab. A password change dialog box will open, requiring you to enter the new combination of characters twice. This action is also confirmed by the session password.
Session password
When issuing the Purchase Card, Belgazprombank decided not to create a separate personal account for it. Therefore, search at the office. website, the “Login to your personal account” button is useless. She is not there. In order to conveniently manage your personal account and not contact technical support or a bank branch if you have questions, you need to register at bgpb.by.
Here is a common personal account for all cards from Belgazprombank. When a user logs into his personal account, he sees a list of all cards issued to him, after which he selects the one he needs and checks the balance, tops up his account, transfers money, activates plastic, etc.
The site is quite well structured and the user can immediately see what exactly can be done in the Shopping Card personal account. Bank clients are invited to use the services of a personal financial manager who will answer the most common financial questions: where is the money, where did it go and where to spend it?
At the very top of the page there are buttons to download the mobile application. We advise you not to neglect this opportunity: it is really convenient!
A convenient and secure way to manage your accounts and cards from anywhere in the world at any time of the day or night using a computer or mobile device connected to the Internet.
Internet banking service for registered users
- apply for an “ON-loan” on your payment card or an “Online overdraft” on a salary card;
- open “Internet deposit”;
- order or reissue a card with delivery by mail to an address convenient for you;
- make debit transactions on deposits and accounts 24/7;
- draw up the following types of insurance contracts:
- personal injury insurance;
- comprehensive property insurance and civil liability;
- comprehensive insurance of air passengers and baggage;
- insurance against accidents and illnesses while traveling abroad.
- promptly receive information about the amounts available on your cards and accounts;
- set and change amount limits for various card spending transactions;
- find out the minimum payment current loan;
- block/unblock your cards online if necessary;
- generate free statements of accounts of interest;
- carry out transfer and replenishment operations between your cards by currency;
- open and top up the “Internet deposit”;
- view terms of service and more.
- set up the “Autopayment” service, which will allow you to pay for housing and communal services, Internet services on time, mobile communications, Belgazprombank loans, as well as many other services according to a schedule, setting up their payment automatically without commissions, queues and paperwork;
- pay for services through the ERIP system;
- group and sort completed payments;
- view the history of completed transactions and much more.
Additionally:
- How to use the Internet Banking service (detailed user instructions)
- Agreement and rules for the provision of remote banking services
Internet banking service for all users without registration
Using the “3D payments” service using cards issued by banks of the Republic of Belarus:
- replenish Belgazprombank deposits;
- repay loans from Belgazprombank, including DELAY;
- pay for services through the ERIP system
Using the “Transfers” service, make transfers between cards issued by banks of the Republic of Belarus:
- from a card of any bank of the Republic of Belarus to Belgazprombank cards for free;
- from a Belgazprombank card to cards of any other bank of the Republic of Belarus;
- between cards of any banks of the Republic of Belarus.
OJSC Belgazprombank does not charge a commission when making a transfer to Belgazprombank cards. The issuing bank of the card from which the transfer is made may charge a transaction fee. We recommend that you familiarize yourself with the full list of rewards for servicing your card in advance.
