Open Joint Stock Company "BPS Sberbank" is the oldest and one of the largest banks in the Republic of Belarus today. Formed on the basis of the former Belpromstroybank, which was acquired by the Russian Sberbank in 2009. In 2011, the company went through a rebranding and is now fully consistent with the style and concept of Sberbank.
Today, the services offered by BPS-Sberbank are extremely wide. Clients can service salary and deposit accounts here, pay off loans, apply for mortgages and car loans, pay for services, buy and sell foreign currency, and much more. The easiest way to find out more about everything related to the bank is to visit its website www.bps-sberbank.by.
BPS-Sberbank for private clients
All services and features developed by BPS-Sberbank for individual private clients are located on the “Private Clients” tab of the main menu of the website. Entering the first page, the visitor immediately sees interesting offers placed on a movable banner, as well as other popular services: online payments and deposits, credit cards, automatic payment, and so on. By clicking on the desired one, the user will quickly jump to the section he needs, bypassing the confusing menu.
By the way, the menu itself is located at the top of the page of the BPS Sberbank website and contains sections:
- take a loan - lending for various needs;
- choose a card - information on credit cards and their execution;
- accumulate and save - deposit calculator, conditions for their registration for different currencies;
- earn and invest - investments in funds, bonds, precious stones and metals;
- pay and transfer Money transfers, online banking, auto payment;
- to insure yourself and property – insurance, rent of safes.
This menu is duplicated at the bottom of the BPS Sberbank page, in the “All products and services of the bank” block, but in a more visual form. Menu links lead to service pages where you can learn more about them, apply for registration or order.
The most demanded services of BPS-Sberbank are lending, card processing and deposits, as well as making ruble or foreign currency transfers.
Lending to individuals
Lending on the Sberbank BPS website
Card design
A bank client can order a card for a loan online, and come to the branch only to pick it up. The offer is very broad:
- salary cards;
- personal cards Visa, MasterCard, Maestro;
- credit cards;
- pension cards;
- partner cards (give bonuses when paying).
On the official website of BPS, Sberbank posted information on the conditions for issuing a card: how they are serviced, how much it costs, whether there is a credit limit and what, bonuses, and so on.
Bank deposits
Take a deposit
BPS-Sberbank offers to place money with them on short-term and long-term deposits under favorable interest. You can make a deposit in Belarusian rubles and other currencies, at a bank branch and online by submitting an application on the BPS Sberbank website. There is also a deposit calculator here.
Payment for services and money transfers
Payment for services
Bank customers often have questions about how, where and under what conditions they can transfer money. BPS-Sberbank sends money throughout the country, as well as abroad to the CIS countries and Europe. Conditions, commission can be viewed on its official website in the appropriate section. There is also detailed information about online service, Internet clients and bank applications.
BPS-Sberbank for entrepreneurs
The main bank of the Republic of Belarus offers its commercial clients favorable service and great opportunities. In detail, large and small entrepreneurs, as well as their financiers and accountants, can read about this on the tabs "Small and Medium Business" and "Corporate Business" of the official website of the institution.
Small and medium businesses
Their local menu has information about lending legal entities, investment, business services (accounts, settlements, transfers, payroll projects, taxes), insurance and others.
The sections with loans and servicing have always been the most popular.
Lending to legal entities
Take a loan
The Bank provides lending services in various volumes and for any purpose: launch, expansion, business support, investments. In addition, through BPS-Sberbank, you can issue shares and bonds, as well as get advice on financial matters.
Business calculations
Make calculations
All entrepreneurs know how many papers they have to fill out every day and how often they need to contact the bank. Revenue is brought here, salary projects are drawn up here, settlements with counterparties are made, taxes and utility bills are paid here. BPS-Sberbank simplified some of them, and now an entrepreneur can order most of the services online or by phone. The most popular business services are:
- opening and maintenance of company accounts;
- salary projects;
- settlement and cash services;
- collection;
- foreign trade service.
Mobile applications and remote maintenance
Particularly popular in the century information technologies use online and mobile services for bank customers. For example, almost everyone uses Internet banking today, and a mobile client is installed on every second smartphone.
Corporate clients and firms order remote service, as well as conduct their own financial activity using a mobile and Internet client, information systems and bank services.
Using online services, customers can manage their account, view the balance on it, make payments in favor of other individuals and legal entities, transfer money to a card of this or another bank, both their own and someone else's, block and unblock accounts, apply for loans, deposits, insurance, pay for services, fines and utilities, etc.
How to find a bank branch?
Although transactions with the bank are simplified as much as possible, you still have to visit a branch from time to time. It is not difficult to find the one closest to your home or office: by clicking on the “Departments and ATMs” link in the site header and indicating your city, you can find the address, contacts and opening hours of the branch, as well as ATMs and terminals, including those operating 24/ 7.
A similar tile is located at the bottom of the main page, section - "Regional network"
Contacts and communication with the administration
The BPS-Sberbank hotline for customers from any mobile phone is 148. Here you can:
- find out information on your account, card, connected and disconnected services, request an extract;
- get advice if any of the services was not provided (for example, the payment “frozen” or the payment went through, but the money did not come);
- leave an application, request, complaint;
- get help with security;
- set up services, get a quick consultation.
The hotline operates automatically (the client listens to pre-recorded information), as well as through operators. In principle, you can call here with any question: if there is no auto answer in the system, the operator will definitely help.
Bank customers can order a callback (link in the site header), and the bank will call back to the specified number.
Credit online calculator BPS-Sberbank gives you the opportunity to calculate the costs associated with the payment of credit loans. Using this handy tool, you can calculate not only the loan amount, but also the overpayment amount and other parameters
BPS-Sberbank offers its clients loan "For consumer needs". The interest rate on the loan is 44% per annum. Money can be received in cash or by bank transfer to your card account. One of the prerequisites for obtaining a loan is the presence of a guarantor and the provision of a salary certificate for 3 months from the current place of work. The term of the loan can be from 2 to 5 years. Important is the fact that early repayment occurs without penalties.
If you have an urgent question, you can always contact the bank's call-center specialists via the hotline.
Head office location: Minsk
BPS-Sberbank consumer loan calculator
JSC "BPS-Sberbank" offers a line of credit products for both Belarusian citizens and non-residents. Borrowers should pay attention to the fact that loans are made in national currency , and the interest for using the loan is tied to the refinancing rate of the Belarusian National Bank.
Cash loans
The bank offers 2 non-targeted lending programs for any needs.
The interest on the loan varies depending on the refinancing rate of the National Bank.
The rate is set based on the following criteria:
- for clients who have concluded an insurance contract, employees of enterprises determined by a special order, owners of bank card products applying for a loan through online services: 15.8%;
- for citizens receiving through the bank salary, pension, income from maintaining entrepreneurial activity having a positive credit rating in the bank: 16.3%;
- for all other borrowers: 16.3%.
For an express loan without proof of income, the interest rate is calculated as 39.5%.
Belarusbank also offers a large range of consumer loans, including those with the possibility of refinancing.
Security
The requirement to provide security under the program "It's time to act with Sberbank!" depend from credit limit:
- up to 10,000 Belarusian rubles - a penalty reaching 10% per annum;
- 10,000-15,000 Belarusian rubles - one guarantor;
- from 15,000 to 100,000 Belarusian rubles - a guarantee of two persons.
According to the Classic tariff plan, the security can be: a security deposit, a pledge of movable or immovable property.
Requirements
JSC "BPS-Sberbank" imposes minimum requirements for borrowers:
- age limit: 18-65 years;
- at the actual place of employment experience of 6 months.
Both citizens of Belarus and non-residents of the country can get a loan.
What documents are needed to get a loan
For getting borrowed money the client must provide a package of documents:
- Application form.
- Identification documents: Belarusian passport of a citizen; for foreigners, stateless persons who are registered in the country - a residence permit;
- Military ID (for men aged 18-27).
- Documents on the financial condition of the client (certificate in the form of the Social Protection Fund of the Republic of Belarus, certificate of income from work for the last 6 months).
A certificate confirming solvency may not be provided if the potential borrower receives a salary through BPS-Sberbank or lending is made in a simplified form using an increased rate.
Loan features
Borrowed funds are transferred to the borrower to the current account using the client's payment card or to the settlement account of third parties (in the case of lending for refinancing purposes). An application for the issuance of money on credit is considered within two business days.
Debt repayments must be made monthly by the 20th.
Mortgage
Mortgage programs apply to the purchase of finished and under construction housing, including under the state support program.
When calculating the credit limit, the bank has the right to take into account the monthly income of the spouse of the borrower.
Requirements and list of documents
To apply for a preliminary review, the list of documents and requirements for the borrower are similar to consumer lending.
Credit cards
In "BSP-Sberbank" credit cards represented by several programs.
| Name | Rate, % per annum | Maturity | Loan amount, in Belarusian rubles | Peculiarities |
|---|---|---|---|---|
| Overdraft loan | from 16.3% | up to 1 year | up to 10000 | Linked to current accounts. The use of funds is carried out using a payment card. |
| "Real credit card" | from 15.8% | Up to 60 months | up to 10000 | With an overdraft loan not exceeding 3,000 Belarusian rubles, you can get a credit card without certificates and guarantors |
| “Real credit card with a grace period” | from 1% | 60 months | up to 10000 | Up to 3,000 Belarusian rubles is provided without income documents. Grace period up to 50 days. |
| "Welcome to Sberbank!" | from 15.8% | up to 1 year | from 300 to 10000 | Issued to payroll clients |
| FUN credit card | from 16.3% | up to 36 months | up to 10000 | Possibility to withdraw cash from any ATMs of the Republic of Belarus |
To receive a credit card with a maturity of up to 36 months, the client must meet the age range of 18-59 years, over 36 months - 18-55 years, and have a current work experience of at least six months.
For registration, you will need a passport, an application form, proof of income.
Other loans
The bank additionally presents 2 targeted lending programs.
To choose the optimal lending conditions at BPS-Sberbank, the borrower can independently calculate the loan parameters through credit calculator on the official site.
To save time, the bank offers borrowers to apply in the " online". In electronic form, the user must select a program and credit conditions and enter personal data in the appropriate fields.
Unlike other leading banks in Belarus (, ), BSP-Sberbank offers a wider range of loan products, many of which are issued in simplified procedure thanks to salary projects. However, not all programs are the most beneficial for the borrower in terms of rates and loan amounts.