Belarusbank issuing plastic cards. Bank payment cards

The procedure for conducting operations with plastic cards at OJSC "ASB Belarusbank"

Analysis of transactions with plastic cards using the example of JSC "ASB Belarusbank"

JSC "ASB Belarusbank" traditionally focuses on providing a wide range of services for private clients, including the issuance and servicing of international plastic cards, in which it is undoubtedly a leader in the Belarusian market.

In 1993, JSSB Belarusbank was one of the first to join the international payment system VISA International as a full member. And on June 15, 1994, the first bank plastic card Visa Classic was issued. In 1996, the bank launched new card products - plastic cards Visa Electron and Visa Gold, and in 2001 the bank revolutionized the national market of e-commerce instruments by launching the issuance of a virtual plastic card Visa Internet.

Since October 1994, JSSB Belarusbank has also been a full member of the international payment system MasterCard International, and today issues bank plastic cards MasterCard and Maestro with accounts in euros.

ASB Belarusbank has significant experience in providing private clients full complex services for the issuance and servicing of international bank plastic cards. Balanced tariffs, wide choice various types plastic cards of leading international payment systems, the implementation of a number of modern additional services and special promotions for plastic card holders, allows OJSC "JSSB Belarusbank" to offer customers optimal choice conditions for the provision and servicing of international plastic cards.

JSC "ASB Belarusbank" opens a card account for the client, maintains and services it, personalizes the card, issues the card to the client and provides the opportunity to use it in accordance with the terms of the agreement.

The procedure and conditions for maintaining a card account, using and servicing the card, organizing settlements for transactions are regulated by the legislation of the Republic of Belarus, the operational rules of the relevant PS, local regulatory legal acts of JSC "JSSB Belarusbank" and the agreement. The procedure and conditions for the use and servicing of Cards apply to all additional Cards and are mandatory for all Holders of additional Cards in the same way as for the Client.

For maintaining and servicing a card account, using and servicing Cards in accordance with the agreement, OJSC "JSSB Belarusbank" charges remuneration (fees) and other fees provided for by the List of transactions and fees, other local regulatory legal acts of the Bank and PS, and a memorial order.

When using the card or its details, the Holder gains access to the card account, initiates non-cash payments, receiving cash and carrying out other operations in accordance with the legislation of the Republic of Belarus and the Agreement.

The card is the property of JSC JSB Belarusbank and is transferred to the holder for possession and use. The Bank has the right to terminate or suspend the Card, as well as refuse to issue (re-issue) the Card without giving reasons.

When servicing a client as part of a service package, the client has the right to carry out all operations included in the service package. Payment for these operations is made in accordance with the list of operations and fee amounts.

The client has the right to switch to service according to a package of services by notifying the bank in writing in the form of an application in the form established by the bank. The transition to the service package is carried out from the 1st day of the month following the month of filing the application for the transition to the service package.

All operations carried out by the client that are not included in the service package are paid by the client in accordance with the contract.

The client instructs the bank to calculate the amount of remuneration due to the latter under the agreement and collect it from the card account. The debiting of funds from the card account is issued by the bank with a memorial order.

The procedure for calculating interest on the balance of funds on the card account:

• - when calculating interest, the number of days in a year is taken to be 360 ​​(for Visa Gold cards 365 (366)), the number of days in a month is 30 (for Visa Gold cards the actual number of days of the month for which interest is calculated);
• - interest on the card account is accrued by the bank from the day the funds are received on the card account until the day before they are written off. When calculating interest, all changes in the interest rate on the card account are taken into account;
• - interest accrued on the card account is credited to the card account on the last working day of each month and on the date of termination of the Agreement.

The following types of services are provided to the client:

• - crediting of funds received in his name no later than the next banking day;
• -issuing cash and conducting non-cash payments for transactions performed in devices that accept Cards of this type;
• -receiving a statement of the status of the card account and issuing additional cards;
• - other operations that do not contradict the legislation of the Republic of Belarus.

The amounts of all transactions made using the main card, additional cards or their details are reflected in the card account.

Operations for transferring (writing off) funds from the client’s card account are carried out on behalf and/or order of the holder, client or on the basis of documents submitted by the trade (service) organization that accepted the card as payment for goods sold (work performed, service rendered).

The document confirming transactions on the card account is the card account statement. The holder receives a statement of the card account with information about completed transactions upon request upon personal contact with the bank. To certify the authenticity of the statements, the bank places a bank stamp and the signature of the responsible executor on them.

No later than 45 (forty-five) calendar days from the date of the transaction, using the main card, additional cards or their details, the client is obliged to notify the bank in writing about the amounts erroneously (inappropriately or excessively) credited to the card account or underwritten or erroneously debited from the card account. Claims not received by the Bank in writing within 45 (forty-five) calendar days from the date of the transaction are considered confirmation of the correctness of its execution.

The holder can also obtain information about the status of the card account and about transactions carried out on the card account when using the card at ATMs and self-service payment terminals of the bank, as well as through the use of other bank services that the bank, in accordance with concluded agreements, provides to OJSC card holders "ASB Belarusbank".

Only its holder has the right to use the card; other persons are prohibited from using the card.

The Card and PIN code must be used by the Holder in accordance with the agreement. The card PIN code must be known only to its holder and must not be disclosed to other persons. It is strictly forbidden to write a PIN code on the card or store it with the card.

The holder can use the card for:

• - conducting non-cash payments for goods and services with trade and service organizations that accept cards of this type for payment;
• -receiving cash from ATMs, as well as from equipped devices that accept cards of this type;
• -carrying out other operations and gaining access to other bank services that the bank provides to cardholders.

The card must not be used for illegal purposes, including the purchase of goods and services prohibited by the legislation of the Republic of Belarus, as well as the legislation of the state in whose territory the holder uses the card.

All transactions using the main card, additional cards or their details are carried out within the limits of the balance of funds on the card account within the established transaction limits.

Upon expiration of the card's validity period, the card can be reissued at the request of the client in the manner established by the bank.

The bank has the right to reissue the card in the month after its expiration date.

If there is a debt on an overdraft loan, technical overdraft, card account fees, the bank collects the amount of the debt, penalties and interest on it in the manner prescribed by the current legislation of the Republic of Belarus.

Plastic cards not only saved us from having to carry cash with us, but also provided us with a way to quickly transfer money from one account to another. Of course, in most cases, you will have to pay a fee for this great opportunity. In this material we will look at all the options on how you can transfer money from a card to a Belarusbank card. Let us pay attention not only to the possibility of transferring funds within the bank, but also to the key points of conducting transactions with those card accounts that are registered with other banking institutions.

Transfer between Belarusbank cards

The main advantage is a minimum commission of 1.5% of the transaction amount.

And if the card accounts between which money is transferred belong to the same to an individual, then there is no commission at all. This rule applies to all banking products that you use to conduct a transaction. The main thing in this case is the activity of the payment recipient’s card account. He shouldn't be on the stop list banking organization. You can read more about how to transfer money from one Belarusbank card to another.

Transfer between accounts of different banks

At the beginning of 2018, Belarusians had almost 14 million payment cards in their hands. And although the share of holders of Belarusbank non-cash payment products among them is very respectable, still many people use plastic cards from other banks. Moreover, every year the number of attractive offers in this area is only growing. Therefore, the question of transferring money from a card or to a Belarusbank card with the participation of other banks is quite relevant. Let us consider this process in detail using the example of standard operations both in one and in reverse side. We are interested general scheme implementation of transactions, its convenience for the client and the amount of remuneration debited from the sender’s account.

"Belarusbank" → Account of any other bank

In order to quickly transfer money to other banks, Belarusbank clients have several convenient and practical tools at their disposal. One of them is Internet banking.

Typically, clients register in the Internet banking system when they receive the card, but this can be done later by submitting an online application. After receiving the session code card, you need to activate it - and after that, access to your personal account becomes open.

To transfer money to a card of another bank registered in the Republic of Belarus, you need to:

1. Log in to your personal account.
2. Select the “Transfer of Funds” section.
3. Select the option “Transfer to an account for which a card from another bank is issued.”

The transaction fee will be 2.5% - regardless of which bank issued the payee's card account.

This service is also available through the mobile banking system (M-banking), information kiosk and ATM - in the last two cases you will need to have plastic with you. The amount of remuneration written off is fixed and does not depend on the choice of instrument.

Let's give an example of using a mobile service. To use it you will need any smartphone with operating system iOS, Android or Windows Phone. The tool is not free: for the convenience of customers there are several tariff plans, the maximum costs 1.45 BYN per month.

1. Select “Money transfer” from the proposed options in the “Operations” section.

2. Click on the first option – “Card of any bank”.

3. Select the transaction currency.

4. Enter all the necessary data: plastic number, expiration date, and transfer amount.

5. Confirm the payment - if necessary, you can save the file and print it on a printer. Payments can be saved so that you can refer to them later if necessary.

If you use an information kiosk or ATM for this purpose, then immediately after you insert the plastic into the card reader, you need to select the appropriate “Transfer of Funds” option in the menu, enter the 16-digit card number, its expiration date and after agreeing with a commission in the amount 2.5% confirm the operation.

"Belarusbank" ↔ "Sberbank" (Russia)

If there is a need to transfer money to a Russian Sberbank card (of course, with automatic conversion in the desired currency), the card2card service from Alfa Bank is a real lifesaver: it allows you to send money to payment card holders in the CIS without leaving Houses.

The operation itself will take you no more than a minute, and the money will go to the recipient’s account from a few minutes to 1-2 days (depending on the specifics of the recipient bank).

True, if you are not an Alfa Bank plastic card holder, you can only use such a prompt transfer of money to a Sberbank card if your card’s payment system is Mastercard or Maestro.

In this case, the transaction fee will be 2% of the transaction amount plus 40 Russian rubles. To implement this, you must have a connected 3-D Secure password - otherwise the requested debit will be rejected. You can activate it in Internet banking - in the section with the personal data of the account holder.

If you need to quickly and efficiently transfer money from Sberbank, the best option again seems to be the service from Alfa Bank - card2card. In this case, it also works with Mastercard and Visa, and the commission is 2% of the transaction plus the same 40 Russian rubles.

"Belagroprombank" → "Belarusbank"

If you want to transfer money to a Belarusbank card account, then to achieve this goal you can use:

• Internet banking;
• mobile banking;
• information kiosk or ATM.

The bank's remuneration will be 1.5% of the transaction amount. In this case, the minimum amount that will be debited for conducting a transaction is 99 kopecks.

"Belgazprombank" → "Belarusbank"

Transferring money to Belarusbank plastic from Belgazprombank is only possible if you are a holder of a Visa or Mastercard plastic product. The transaction can be completed using:

• information kiosk;
• Internet banking;
• mobile application.

The order of your actions is as follows:

1. In the menu of the banking instrument you have chosen, click on “Transfer to bank card”.
2. Select the option “To a Visa or Mastercard from another bank.”
3. Enter the number and expiration date of the plastic card in the standard month/year format.
4. Enter the transaction amount.
5. Confirm the operation.

The bank will write off a commission in the amount of 1.5% of the transaction amount, but not less than 1.5 BYN.

"BPS-Sberbank" → "Belarusbank"

The commission for a cash transaction from a BPS-Sberbank card is 1.5% of its amount, but the minimum remuneration debited by the bank is 2 BYN. The most convenient way to do this is through the WEB version of the Sberbank Online system. To get started, you need to register.

Next steps:

1. Select the option “Transfer to a card from another bank.”
2. Enter the plastic number and its validity, the payment amount.
3. Read the terms and conditions for writing off the commission.
4. Confirm the payment.

OJSC Savings Bank Belarusbank provides wide range services to private clients, which includes the production of cards for various purposes. Each of them takes into account the interests of a certain category of the population and allows you to spend money as economically as possible.

Magnit card – purchases without borders

The Magnit card of Belarusbank is recognized as the most popular product. And this is not surprising - when making purchases at partner stores, the refund amount reaches 12% of the total payment amount.

Clients can pay with the card both in the territory of the Republic of Belarus and abroad. The bank provides the opportunity to use an overdraft - a short-term loan of funds. Owners use this service on favorable terms:

• Installment plans are available for up to 1 year;
• The interest rate is 0.0001%.

If you need to use the card in an organization that is not a partner of the bank, then its holder is provided with a grace period - additional time to pay the loan at a reduced rate. interest rate lasting 30 calendar days.

You no longer have to live paycheck to paycheck. With the Magnit installment card from Belarusbank, you can buy something you like or need at any convenient time without significant financial losses and wasting time.

Clients receive the following services completely free of charge:

• Change PIN code;
• Access to the Internet banking system;
• SMS notification of monthly payment in case of debt.

You can top up your balance in several ways, choosing the most convenient one:

• Transfer from card to card of Belarusbank - using the M-Belarusbank smartphone application or the Internet banking system;
• Through a payment and reference terminal or ATM;
• By contacting a Belarusbank branch.

Belarusbank's Magnit card is accepted by many partner stores, the list of which is expanding every day. Currently there are about 10,000 members retail outlets, having different directions.

The partner stores of the Magnit card of Belarusbank are able to satisfy any need. In addition to large food outlets that every person visits, here you can find narrowly specialized goods and services:

• Construction materials;
• Household appliances and electronics;
• Furniture;
• Doors;
• Sports equipment and fitness clubs;
• Clothes and underwear;
• Cosmetics.

Not long ago, the bank's partners became large travel companies– “Top-Tour”, “GlobalTravel”, “New East Line”, “Turlux” and many others. Now each client has the opportunity to buy the desired tour in installments of up to 5 months.

You can submit an application for a card on the bank’s official website or at its branch, at an information kiosk or by calling the contact center.

Satisfied customers often leave positive reviews about the Magnit card of Belarusbank. They can be found on the official website and on third-party resources, which only confirms high level service and ease of use.

Club "Velvet" - taking care of pensioners

Belarusbank's "Velvet" card for pensioners is intended for people who lead an active life and take care of their health.

When making purchases in pharmacies in the territory of the Republic of Belarus, the owner receives a cash back of 2.5%, and in large chain stores this amount is 3%. In addition, clients receive additional bonuses.

The bank’s official website contains a list of organizations in the “Medicine” category, when using the services or goods of which the owners receive an additional reward (up to 12% of the amount).

Other advantages of the Belarusbank Velkhat card include the following:

• Validity period: 3 years. The card is international, the account is opened in Belarusian rubles;
• Equipping with a chip rather than a regular magnetic strip provides a high degree of protection against fraudsters;
• Possibility of connecting an overdraft service;
• The shortest production time;
• Ability to pay for online purchases and make transactions in various ways by using mobile phone, SMS messages, Internet banking system or interactive digital television “ZALA”;
• Participation in special program"Wow! Discounts!";
• Additional cash back (3%) when purchasing tickets for BelZhD trains.

All pensioners of the Republic of Belarus, as well as people retirement age which occurs after 3 months. For this you will need the following documents:

• Identity card;
• A document confirming that the applicant is entitled to receive a pension.

If the application was submitted online, then the specified data must be provided when receiving the card at a bank branch.

Carte blanche – for active people

For those who cannot imagine their life without traveling, the “Carte Blanche” club from Belarusbank has been created. To join the community of active people, you need to get a Mastercard World card.

Each client has the following benefits:

In addition, clients receive an additional reward, calculated as a percentage of the payment amount, under the “Your Bonus” program. If problems arise, you can always contact support, regardless of the owner’s location.

Belarusbank cares about its clients, therefore it offers the most favorable terms of cooperation. Thousands of people have already become convinced of the advantages of the plastic cards listed above. Now any purchases have become a real pleasure for them, and not a problem

If you need to make any payment or provide card details for a transfer, you need to know its details. To do this, you can use various methods.

When signing documents to open a card account at JSC JSB Belarusbank, you receive a copy of the agreement. Using the documents received, you can find out all the necessary details for your card. At the beginning of the agreement, you can view the account number, the lines of its validity and the details of the bank itself, such as the microfinance organization, organization code and official name.

When contacting a bank branch

If you are near a Belarusbank representative office with an original passport, you can approach a specialist and present the original passport. After this, the bank employee will be able to tell you all the necessary details of your card account.

Depending on the purposes for which you need the data, you can clarify the data you need.

In Internet banking

For clients who have gone through the process of reviewing their account data, there will be no problem. Just go to your personal account and you will be able to view all the necessary information.

In addition, clients who have connected themselves can clarify this information using your mobile phone.

Using the contact center

When contacting the staff, they will also help you find out your card details. But for identification, you need to tell the employee the card number and code word, after which you can get all the necessary information.

To do this, just call the helpline number - 147.

All categories of the population, including pensioners, can receive a payment card from Belarusbank; 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 Belarusbank 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 from Belarusbank

To receive a payment card from Belarusbank 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.