81.5 points out of 125 possible.
The “Consumer Experience” project continues to test Internet banking services of Belarusian banks. Today we will see what the service from BelVEB Bank, on which we have high hopes, can please and surprise us...
Project "Consumer Experience" continues to test Internet banking services of Belarusian banks. Today we will see what the service from BelVEB Bank, on which we have high hopes, can please and surprise us.
Registration in the system
To connect to Internet banking from BelVEB Bank, the first thing you need to do is apply for a payment card, if you don’t already have one. If there is, then you won’t have to go to the bank.
You just need to find the nearest ATM or information kiosk of BelVEB Bank or any of the partner banks.
Insert the card into the ATM (info kiosk) and select the item "Internet Bank", after opening access, the device will give you a receipt on which your login and password will be indicated.
After that, go to the bank’s website, enter all the data and press the button "Log in." The system will ask you to come up with a personal code and confirm it via SMS, which will be sent to the phone number that was specified at the ATM.
Then all that remains is to pay for the connection, which costs 2 BYN, and “re-login” to the system.
Of course, we had to run, but we managed :)
Data Recovery
Although you don’t have to go to the bank, you still can’t restore your data while sitting at home at your computer. If you have forgotten your login and password, you can only restore your data at an ATM (info kiosk).
Similar to connecting, in the device menu you need to select the item "Internet Bank" and function "Change password". The issued check (after the password) will indicate your current login.
Functional
There are many functions available on the Internet banking home page. First of all, your gaze falls on the information about the card and its balance. Below you will find information about your account number, deposits and loans, if you have them open.
All payments that you previously made in online banking will be automatically saved and displayed on the main page, but for some reason they cannot be grouped or sorted.
- open an account
- issue a card
- apply for a loan
- open a deposit
As it turned out, the service "Issue a card" still doesn’t work, and you can apply for a loan online only if you have salary card. Otherwise, you will have to go to the bank.
Therefore, we became interested: why do we need the ability to open an account? Maybe you can open an account in Internet banking and pay for services without a card? We contacted the contact center with this question.
The contact center assured us that it was possible to top up the account, but it would still not be possible to pay for services in the Internet bank without a card, which made us even more bewildered.
After long negotiations with consultants, it seemed to us that, apparently, the bank itself did not fully understand why such a service was available in the service. According to the contact center, before making a deposit, a link to open which is also on the main page, the client needs, first of all, to open an account.
But a pleasant bonus was the opportunity not only to see the addresses of the nearest branches, information kiosks and ATMs directly from the main page of the Internet bank, but also to find them on the map.
In the section "Payments" we found a standard ERIP system with the ability to search for services, as well as a section called "Popular payments", which will undoubtedly make life easier for many users of the system.
Receipts for transactions are located in the same section, here you can view transactions for any month, as well as print a receipt, but we could neither save nor send it by e-mail.
In the section "Translations" we found services "Free payment" And "Transfer to card", which are available in almost any online banking.
Therefore, we were more interested in the function « International transfers» , which does not imply transfers to cards of foreign banks, as we expected, but international urgent transfers from BLIZKO.
So now BelVEB Bank clients don’t even have to get up from their favorite chair to quickly transfer money.
There is a service in the same section "Electronic money", which will please many owners of electronic wallets.
And at the very end of the list we noticed new section called "Pennies-Skarahods" and they immediately became interested in him.
"Pennies-Skarahods"- these are instant money transfers that you can receive without being a bank client; you just need to have your passport with you. But even here we were disappointed, the section turned out to be empty :(
As experts assured us, it is also under development, as is the issuance of cards online. So we just have to wait a little while BelVEB Bank finalizes its system.
Tester's opinion
Internet banking from BelVEB Bank undoubtedly has good functionality. For example, very useful feature— searching for ATMs and branches, and restoring authorization data for the system will not be difficult.
But empty sections such as "Issue a card" And "Pennies-Skarahods" I was not pleased. Plus, when asked about opening an account at the contact center, they did not answer anything useful.
Transfers can only be made to a BelVEB Bank card, and to cards of other banks only through the function "Free payment".
On the other hand, BLIZKO transfers and the ability to replenish electronic wallets were a big plus, which still managed to improve the overall impression of the system.
The result of testing Internet banking of BelVEB Bank in 2017 was 81.5 points out of 125 possible
| Evaluation criteria for online banking | Bank BelVEB | ||||
| connection | ease of connection (availability) online (immediately after registration) | 5/0 | max 12 | 5 | |
| authorization mechanism (login or password is enough to log in or something else is needed) | 2/1 | 2 | |||
| data recovery in case of loss of login and password (without visiting the bank) | 5/0 | 5 | |||
| convenience | is there balance information on the first page | 5/0 | max 47 | 5 | |
| Is it possible to display quick payments on the first page? | 3/0 | 3 | |||
| availability of quick access to frequently used functions | 2/0 | 2 | |||
| session passwords (SMS/cards) | 2 / 0 | 2 | |||
| connect/disconnect 3D Secure | yes/no 5/0 | 5 | |||
| connection/disconnection of SMS notifications | yes/no 5/0 | 5 | |||
| ability to manage limits | yes/no 5/0 | 5 | |||
| Is there any information on tariffs and commissions for the card? | yes/no 5/0 | 0 | |||
| list of card transactions in “day to day” mode | 5/0 | 5 | |||
| ability to change PIN code | 10/0 | 0 | |||
| Functionality | payments | possibility of creating automatic payment | 1/0 | max 42 | only MTS 0.5 |
| ability to create a list of your payments | 3/0 | 0 | |||
| availability of free payment function | 5/0 | 5 | |||
| ability to rename your payments (templates) | 2/0 | 0 | |||
| are there receipts | 1/0 | 1 | |||
| you can print/send checks | 1/0 | 1 | |||
| You can make a second payment from a check | 2/0 | 0 | |||
| translations | to your bank card (without ERIP) | 2/0 | 2 | ||
| to a card of any bank in Belarus (without ERIP) | 5/0 | 0 | |||
| to a foreign bank card | 3/0 | 0 | |||
| personal service financial manager | yes / no | 5/0 | 0 | ||
| deposits | yes / no | 5/0 | 5 | ||
| loans | online application | 1/0 | 1 | ||
| online receipt | 5/0 | 1 | |||
| loan repayment | 1/0 | 1 | |||
| additional features | online application for card reissue | 2/0 | from 12 | 0 | |
| online application for issuing an additional card | 2/0 | 0 | |||
| search for ATMs and branches (yes/no) | 5/0 | 5 | |||
| bank exchange rates | 3/0 | 3 | |||
| plus 2 points for each additional opportunity | X | ||||
| feedback | Is there a bank phone number (yes/no) | 2/0 | max 12 | 2 | |
| available online - real-time support, chat (yes/no) | 10/0 | 10 | |||
| personal opinion | general impression | no points | |||
| Maximum points | 125 | 81,5 | |||
1. attraction cash individuals and legal entities to accounts and deposits;
2. placement of raised funds of individuals and legal entities into accounts and deposits on their own behalf and at their own expense on the terms of repayment, payment and urgency;
3. opening and maintaining bank accounts for individuals and legal entities;
4. opening and maintaining accounts in precious metals;
5. provision of settlement and cash services to individuals and legal entities, including correspondent banks;
6. foreign exchange transactions;
7. purchase and sale of precious metals in cases provided for by the National Bank;
8. attraction and placement of precious metals in deposits of individuals and legal entities;
9. issuance of bank guarantees;
10. trust management of funds under a trust management agreement for funds;
11. collection of cash, payment instructions, precious metals and precious stones and other valuables;
12. release into circulation (issue) of bank payment cards;
13. issue securities, confirming the attraction of funds into deposits (deposits) and their placement in accounts;
14. financing against the assignment of a monetary claim (factoring);
15. providing individuals and legal entities with special premises or safes located in them for bank storage of documents and valuables (cash, securities, precious metals and precious stones, etc.);
16. transportation of cash, payment instructions, precious metals and precious stones and other valuables between banks and non-bank financial institutions, their separate and structural divisions, as well as delivery of such valuables to clients of banks and non-bank financial institutions.
Internet Bank BelVEB allows you to pay more than 50 thousand payments in any region of Belarus. This number includes:
- Utilities (including water, gas, electricity);
- Communication services;
- Insurance premiums;
- Internet services;
- Cable television;
- Flights;
- Replenishment and review;
- Electronic account replenishment payment systems;
- Redemption ;
- Use of money transfers;
- Transactions with the card, incl. and blocking in case of its loss;
- And much more.
Advantages of Internet banking
And if you don’t want to run to a bank branch every time for such a payment, the service from Internet banking will help you. is a fairly simple, convenient and at the same time safe self-service system. To work with Internet banking you do not need to install third party programs, you just need to register on the Internet banking website. Your security will be guaranteed by the bank, and the Internet connection itself will be secure. The client can connect to this service any opened in this bank in his name.
Internet banking is also convenient because you don’t have to stand in lines just to pay for electricity or buy a plane ticket. Unlike queues, online banking will not make you wait long.
How to open an Internet bank
You can open access to the Internet bank either in, or in a self-service terminal with the SBS logo or on the bank’s official website. In the terminal, you will need to select the appropriate tab and provide your own registration information. After this, your online bank will be available at https://www.sbsibank.by, where you will need to specify the bank, username and your password.
OJSC Bank BelVEB today is considered a progressive credit institution that has a leading position in the list of commercial banks operating in Belarus. Serves internal and external clients. Works with the international settlement system, carries out currency transactions. Actively implements modern technologies. Not long ago, BelVEB Internet Bank began operating here. Logging into the system opens up many different solutions for the client.
Internet banking options
It's convenient, simple, practical system remote financial services. BelVEB Internet banking makes it possible to implement:
- obtaining remote access to financial information client via secure communication channels with the ability to perform individual operations;
- no need to install additional software products on desktop and mobile devices. It is enough just to gain access to the global network;
- the service covers all banking plastic products opened by the client in this bank.
Having a BelVEB personal account, the user has the opportunity to carry out the following types of operations:
- pay utilities;
- remotely open and service deposits;
- apply for online loans;
- repay existing loans;
- carry out fund transfers within the system and between bank cardholders, including abroad;
- transfer money to replenish electronic wallets;
- receive detailed information about the state of the account and the movement of money;
- connect additional financial services;
- change limits and perform other similar actions.
How to log into Internet banking for individuals
To become a full-fledged participant in the Internet banking system at BelVEB, you will need to complete a few simple registration steps. This can be done through, or by personally visiting one of the nearest branches of a credit institution.
The remote registration procedure consists of the following steps:
This can also be done using MSI. To do this you will need:
After this, you can fully use the bank’s services. To do this, simply log into your personal Internet banking account at BelVEB.
How to log into Internet banking for legal entities
Internet binning can be used by individuals and legal entities. To do this, you will need to conclude an agreement with the bank for the provision of relevant services. Here, the entrance to the personal account of the BelVEB Internet Bank will be carried out in the following ways:
The procedure is not complicated and does not take much time. It allows you to significantly simplify the receipt of all available types of banking services, gain remote access to accounts, detailed reports on money flows, and the ability to carry out payment transactions online.
Also, in the left corner you can read the registration in more detail.
How to connect banking. Registration in the system
It’s easy to connect to BelVEB Internet banking and log into your personal account. This is done in the following main ways:
- Connection through the website of the credit institution OJSC Bank BelVEB. You will need to have a credit or other bank card, a mobile phone and a user identification code. Initially, the user will be asked to read the instructions and establish a secure Internet connection. Next, you need to enter your personal data, check its accuracy, come up with an entry, confirm your password and login, and enter the authorization code received via SMS message. After this, you can log into your personal account and start using the bank’s services.
- Using an ATM or information kiosk to connect. Here you will need a current plastic bank card. You need to insert it into the ATM and enter your PIN code. Find “Internet Bank” in the menu, open access, agree to the terms and conditions and receive a check with your login and password. Then you can change them in personal account.
- After a personal visit to a bank branch. This method will have to be used by clients who have not previously had any relationship with BelVEB. You will have to enter into a banking service agreement. You will immediately receive a temporary login and password for your first login. Then follow the instructions in your personal account.
There is a fee for using the Internet banking service. Therefore, after you log into your personal account for the first time, pay for the use of this service according to the tariffs and conditions of the banking institution.
Visual connection table:
Rules for safe work in banking
To avoid loss of funds and fraudulent actions by third parties, when working with Internet banking, you should follow a few simple rules:
- Do not share your username and login password with third parties. This applies not only to strangers, but also to relatives who, due to inattention, can provide this information to scammers.
- Please check your payment details carefully. Even one small mistake can lead to the transfer of funds using incorrect details. Then returning them back may be problematic, or it will take additional time.
- Set strong passwords. Believe me, it is better to spend a few extra seconds entering information than to lose all the money in your account.
- Never leave your personal account open after you have completed all the work. This is especially true when working outside the home (the main workplace), as well as through a mobile device.
- Carefully check the addresses of sites through which you access your personal account. Fraudsters often create clone websites in order to obtain login and password information.
What to do if you forgot your login or password
To change your login or password you will need to follow these steps. If you know the old password, but want to change it, simply log in to the Internet banking system and enter and confirm the new password there. You will need a passphrase and a verification code (they identify you).
Characteristic features of the new Internet banking interface - modern design, graphic minimalism, smooth animation. Color solution made in the bank's corporate colors - blue and orange.
In version BelVEB24 special attention paid to increasing the usability of the system (availability of any operation in three clicks) and bringing its style to uniformity.
It is now possible to contact Contact Center employees through the Internet banking application (chat, call). In the near future, a communication system using mail in the personal account will be launched; client information about important events in the system, news and promotions of the bank will be added.
Expanded functionality of online banking BelVEB24- this is, first of all, great opportunities for our clients to manage their finances.
In Internet Banking BelVEB24 convenient and profitable:
In the “Transfers” section, using “Free payment” you can pay for services that are not in the bank’s standard list or the “Settlement” system (ERIP). It is also convenient to make instant transfers from card to card, send international money transfers via the BLIZKO system, replenish an electronic wallet (WEBMONEY WMB, EasyPay) and perform other operations.
In the “Management” section, you can configure SMS notifications and 3D-Secure protection, you can change the password, and block the card in case of loss.
The service offers a convenient search for BelVEB Bank offices, ATMs and self-service banking system (SBS) information kiosks, taking into account the user’s location.
In Internet Banking BelVEB24 BelVEB Bank's innovative online products are also available. The client can carry out all operations with online deposits (replenishment, withdrawal of part of the deposit, early termination, termination of the deposit by term and receiving a statement) without visiting the bank office. The client can receive an online loan 24/7 (twenty-four hours, seven days a week) anywhere in the world from any device with Internet access. Let us note that opening deposits and processing loans remotely, via Internet banking, is more profitable than in bank offices.
Please note that from 06/01/2017 support will be discontinued and user access to the old version of the Internet bank located on the Internet at the address: https://www.sbsibank.by will be closed. We recommend that all users switch to the new version located at https://www.belveb24.by.
We remind you that in order to connect to the Internet banking of BelVEB Bank, you need to read the rules and agreement for the provision of this service, then open access at an ATM or information kiosk of any of the partner banks included in the SBS, using a BelVEB Bank card, then go to the website https: //www.belveb24.by and complete registration.