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How to pay in Internet banking of Belarusbank. Connecting the Internet banking service of JSC "JSSB Belarusbank" via the Internet

JSC " ASB Belarusbank» is one of the largest banks in the Republic of Belarus. It occupies a leading position in providing basic banking services not only to individuals, but also to industrial and construction enterprises, the agricultural sector. The financial institution is constantly improving the quality of customer service and introducing the latest innovations in the field of banking services.

Currently, Internet banking is gaining more and more popularity, a modern service of almost all banks, which allows plastic card holders to use a remote customer service system. The owner of the card, without leaving home, can make payments for various purposes. This service is useful for the following reasons:

Possibility of round-the-clock access to accounts and deposits. The client does not have to spend extra time visiting the bank office and standing in queues;
Information on loans and their repayment terms can also be found using Internet banking;
When placing Money on bank accounts, the account holder can pay utility bills, mobile communications and translate financial resources from one account to another.

The ability to make all payments via the Internet is considered a weighty argument in favor of Internet banking.

To use Internet banking, you need a computer or tablet. But they are not always at hand, but everyone has a mobile phone. Therefore, the special application M banking from Belarusbank OJSC has already been appreciated by numerous users. Cardholders can perform various operations through M-banking, while being anywhere in the world.

Activation of M-Banking service

In order to fully use the M-Banking service, you need to perform the following steps:

Connect the SMS service - Banking;
Download the special application "M - Belarusbank". Installation information is available on the official website of the credit institution;
Register a service. For this you need:
Examine the License Agreement (it will appear on the phone display);
Dial a password from SMS - banking;
Create a password to enter M - Banking. The user should take into account that if this password is lost, it cannot be restored, and the application will need to be reinstalled;
From the existing tariff packages, choose the most suitable one. The service cost will be automatically deducted from the client's account and is valid for one month;
The client must choose how the bank will send notifications of transactions - by SMS notification or by the GPRS communication system.

If you have any difficulties installing and operating the application, support staff is always ready to help.

Payment for utilities through M-Banking

Before the holders of plastic cards, the question often arises - how to pay for utilities via Internet banking Belarusbank? In fact, there is nothing complicated in this:

First of all, you need to enter the application by entering your username and password;
Find the "payments and transfers" window;
In the window that appears, select "Settlement System";
Mark location;
Then click "Utility payments";
From the list that appears, select a specific type of payment (water, electricity, gas, etc.);
Maintain a current account, full name of the subscriber, contract number and address;
Dial the payment amount (when paying utilities for gas and electricity, you need to put down meter readings, and then the amount automatically appears in the line for payment, when paying off other payments, the amount appears immediately when entering the subscriber's personal account);
At the end of the transaction, click on the "Pay" button.

Regardless of the form of payment for utilities, all transfers must be made before the 25th day of the current month. Knowing how to pay for a communal apartment in this way, you can do it while at home.

Another plus in favor of repaying a communal apartment via the Internet is access to the payment history. For example, if a user makes the same payment for gas every month, then a template with already entered data is available to him on the main page of the mobile bank.

Paying utility bills via Internet banking Belarusbank is simple and convenient for the following reasons: the ability to use the service around the clock, the client does not pay any commissions, printing a receipt with the payment made, quick creation of a payment according to a saved template.

Internet banking is a system that can allow the management of various financial transactions in any place accessible to the client, at any convenient time and on any computer tool capable of accessing the Internet.

General view

Internet banking is a system in which a bank client must register, after which he can transfer funds from one account to another, as well as pay for selected purchases and services provided, and carry out other banking operations, while being at home.

In order to carry out operations through the system under study, it is sufficient to have Personal Computer or a laptop with Internet access and any browser installed on the computer.

List of services

Internet banking is a system that makes it possible to carry out the following types of services for a client:

account statements;
obtaining information on banking products;
formation of applications for opening accounts, deposits;
internal transfers;
transfers to other banks;
payment for services;
repayment of loans.

Positive aspects of the system

Consider the main positive aspects in the use of Internet banking:

reducing the need for round-the-clock work of the bank for customer service;
reduction of administrative work;
growth in the number of transactions via the Internet;
the ability to access your bank accounts always;
lack of queues;
saving money and time on the way to the bank;
security.

System Disadvantages

The main disadvantages of Internet banking are those negative trends that are an obstacle to its development:

weak degree of development among the retail sector;
the difficulty of predicting the payback period;
lack of qualified personnel to maintain operation;
low awareness of the population about these services;
psychological difficulties;
the lack of elaboration of issues related to EDS.

The user of the system has the opportunity to see his accounts in a special individual account, view the history of accounts, pay cellular communication, utility services, TV, online shopping, set up some automatic payments.

Trends in Russia

In recent years, there has been an increase in the number of Internet payments in Russia. Payments in Internet banking are transactions carried out within the system on the accounts of an individual without visiting a bank office. Thus, at the beginning of the current year, the penetration rate of the system in Russia was determined at the level of 16.7%. It is at an early stage, since, for example, in Canada this indicator is 60%.

Analyzing the use of Internet banking for individuals in our country, it should be said that the volume of payments and transactions within the system is constantly increasing every year, which indicates its advantages.

Thus, the share of payments by individuals through banking in terms of the number of transactions increased by 18% by 2017 and amounted to 26% against 8% in 2011.

In our country, in the use of Internet banking services, the share of payment mobile operators is in the lead and makes 48%. This is followed by payment for Internet services and housing and communal services, payments for details, making online purchases.

Possibilities of the system of JSC "ASB Belarusbank"

Let's consider the possibilities of using Internet banking of Belarusbank.

The system in JSC "ASB Belarusbank" is a specialized developed information complex, which ensures the functioning and the possibility of providing services via the Internet for customers.

To be able to use banking services to an individual you need to register in two ways: through the online registration service or at the office of this financial institution. Each client can only have one account.

Login to the bank's Internet banking system is carried out through an account (login and password) in your personal account.

The process of registering a client in an individual account of the system is carried out as follows:

When contacting the bank office:
When applying through the bank's website, you must take the following steps:

To start using the system, you must perform the following steps:

click on the icon "Personal account";
enter your login and password in the appropriate fields;
set the session code.

Internet banking options in your personal account:

view the balance of funds;
deposit operations;
credit operations;
payments to suppliers Internet services;
money transfers;
view payment history.

The Future of Internet Banking

There are two possible directions for the development of Internet banking services in the near future:

improvement of existing systems, focus on attracting new customers;
focus on the advanced user and, as a result, a qualitative improvement in the work of Internet banking due to the development and specification of services, the addition of new ones.

Conclusion

IN modern conditions high market dynamism and competition for their customers, banks are trying to come up with more and more new ways to attract additional financial flows. To this end, various means of improving customer service are used. One of which is the introduction of Internet banking services. An experience recent years for a number of banks showed that the introduction of this system allows not only to improve the quality of service already existing clients bank, but also to increase the number of new ones, which, in turn, ensures the growth of profits and profitability of the bank. Thus, Internet banking is a service whose growth prospects in the coming years are very bright and significant.

This article will take you approximately 7 minutes to read.

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

Enjoy reading!

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 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:

Providing information on various banking products (deposits, loans, plastic cards).
Internal transfers between the client's settlement accounts within commercial bank in which they are open.
Payment for purchases, various services and utilities, including automatic payments.
Interbank financial operations- transfers to and from accounts opened with other banks.
Internal and external transfers involving currency conversion.
Conversion of funds directly on an open bank account.
Blocking, applying for re-issuance and unblocking cards.
Restriction of the limit of use of funds stored on the client's current account.
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:

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

Through the Internet banking system, any client can order various services and documents at favorable prices, 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 your 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, primarily attributable 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 cheap and convenient way regularly informing 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 additional source to receive payments.

The completed transactions are carefully analyzed by representatives of the 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:

Simple authentication using login (ID), password and PIN code.
Multi-level authentication that involves the use of a user certificate and a temporary password.
Encryption of the data transfer process implemented thanks to the SSL certificate.
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 mobile application. Usage complex systems protection of confidential data provides complete security in the implementation of all kinds of monetary transactions, freeing the client from the need to keep additional electronic equipment with him.

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 security level of virtual acquiring systems makes the Internet banking system one of the main directions for the development of the modern banking services sector.

What are the features of Internet banking for legal entities? How to connect SMS banking through Internet banking? Which banks offer internet banking service?

Hi all! This is Alla Prosyukova, a banking practitioner with many years of experience. Mine professional path I started in the banking sector back in 1982 at the Central Savings Bank of one of the Tatarstan cities.

Now I remember with horror the long queues in the operating room of those who want to withdraw money, open or replenish a deposit, pay utility bills, etc. The situation escalated on paydays.

With the arrival in banking Internet technologies all these problems have sunk into oblivion. Now most banking operations are performed by users without leaving home. Do you want to know more about this? Read my new article. In it I will talk about internet banking, its features and capabilities.

1. Internet banking - always online

I'm sure many of you are familiar with the concept. Internet banking. However, there are certainly those who hear about it for the first time. Or he doesn't know what it is. To make the essence of the process clear to everyone, I give a key definition of the topic.

A service that allows users to manage bank accounts remotely via the Internet.

This method of banking services is especially in demand among bank card holders: debit (including bonuses) and credit. Internet banking has undeniable advantages before the classic banking scheme.

Here are some of them:

24/7 access to accounts;
simplicity and ease of use of the service;
payments and transfers are carried out in real time.

This service is widespread not only among private clients. It is in demand by legal entities and entrepreneurs.

With its help, authorized persons of companies:

view bank statements of the organization;
form payment orders and send them to the wire;
promptly receive information about the movement of funds on the account.

2. What you can do with internet banking

Internet banking is a service with enormous possibilities. Its users can at any time, in any place where there is Internet access, open a deposit, pay for services, make a transfer from card to card, top up the phone and much more.

I will tell you in more detail only about a few of the most popular of them.

1) Make deposits online

The service allows you to open a deposit online. It is very convenient and profitable. To use this function, you must have a card of the selected bank and the required amount of money on it.

Going into Personal Area Internet bank, choose the one that suits you in the “Deposits” tab.

Draw your attention! Not all deposits can be opened online. Keep this in mind.

After you have decided on the type of deposit, mark it in the list of available online deposits, then click "Continue" or "Next" (different banks differ).

That's all. We are waiting for the status of the operation to change to "Completed".

By the way, many credit organizations offer higher rates for online deposits.

2) Apply for loans

Need a loan but don't have time to go to a bank branch? Such a problem will no longer bother you if you are registered in the Internet banking of the selected lender.

What needs to be done for this? To get started, use your username and password to log into your personal Internet banking account. Then go to the "Loans" tab and start filling out the application.

Many banks, when applying for it, give their customers the opportunity to use a loan calculator right in their personal account and make preliminary calculations according to the specified parameters. For clarity, you can print the payment schedule.

The form is rather big, it includes all the necessary personal data of the applicant:

personal information (full name, passport data, etc.);
marital status;
address of registration and actual residence;
information about the place of work and income;
data on existing property (real estate, transport).

After all the manipulations and filling in the fields of the application form, it remains only to press the button "Get a loan".

The bank will consider the application as soon as possible and give an answer by sending an SMS message to the client's contact number.

3) Make translations

If necessary, it will not be difficult for you to make various transfers using Internet banking.

You can transfer money:

from card to card (including those in other banks);
private individuals by details;
organizations on account;
in repayment of loans.

To perform any of these operations, select the section "Payments and transfers" in the menu of the online account.

In different banks, the name of this section may differ, but the algorithm for working with it is the same.

By clicking on the name of the desired operation, you will be taken to a page with a form for filling in the data necessary to complete the transfer. It does not make sense to dwell on this in detail, since everything is extremely simple and clear there.

After filling in all the fields, click the "Transfer" button. After that, the bank will send an SMS with a code that must be entered in the window intended for this purpose and click the "Confirm" button. That's it, your translation is complete!

4) Convert currency

Through the online account, you can quickly and easily buy, sell or exchange currency. Operations are carried out between your accounts using the same “Transfers and payments” section. In it, select the category "Currency Exchange".

5) Pay for services

Payment for services is carried out according to the payment order, generated, again, using the "Transfers and payments" section. Enter it, select the type of payment, then fill in all the fields of the form by analogy with the above operations. Take the details of the recipient from the invoice for payment.

Don't forget to mention VAT when making a payment.: whether the payment is with or without tax. This is very important for the recipient of your payment.

I remind you that if necessary, you can request a statement from your accounts directly in your personal account with the possibility of printing it or sending it to e-mail.

3. How to connect Internet banking - 3 easy steps

Connecting to Internet banking is easy. Just 4 simple steps separate you from 24/7 access to your accounts.

Let's go through them together!

Step 1. Contact the bank and submit an application

If you have not yet become a client of any bank, then it's time to fill this gap. Analyze the possibilities and offers of several financial institutions. Read user reviews. Choose from them one that is most interesting in terms of conditions, products and services offered.

Pay attention not only to the presence of an Internet bank and the conditions for it. important to you tariffs for deposits, transfers and payments, the possibility of currency conversion. Analyze available plastic cards. After all, this is what you set up remote Internet access for.

Having decided on a financial institution, issue a card, apply for banking.

If you are an existing customer credit institution, then it is more convenient to connect to remote maintenance through a call to the contact center or online.

With the first method, I think everything is clear. I propose to get acquainted in detail with the second ...

Only bank plastic holders will be able to connect Internet banking online.

To do this, go to the website of a banking institution:

We find a special window for entering your personal banking account. In it, click on the "Registration" button.
In the field that appears, enter the 20-digit number of your bank card.
We confirm the entered data.

Step 2. We receive an SMS password to enter the system

The bank immediately sends a one-time password in an SMS message to the client phone number "linked" to the card. Next, you need to come up with a username and password. I will tell you how to generate a strong password at the end of the article.

Step 3. Activate the account

To complete the registration, log in to the Internet Bank by entering your login and password in the fields of the login form. Click the Login button.

The bank will respond to your actions again by sending a digital password to enter in the form of SMS to your mobile. Enter it in the required line, confirm the action.

Congratulations, you have activated your account!

4. How to connect SMS banking via Internet banking - procedure

SMS banking is a bank service that allows customers to always be aware of all transactions on their accounts and cards.

It connects to both debit and credit cards. In addition, SMS alerts can be attached to your nominal accounts (accounts for social payments).

With her help:

you will learn about the receipt of funds on the card;
on the amount of the next write-off of bank commissions;
about completed transactions with the use of plastic;
receive a reminder of an upcoming credit card payment;
on operations on their nominal accounts (cash receipts and expenditures, non-cash).

Connecting the service is easy and simple through Internet banking.

The Internet banking service provided by JSC "JSSB Belarusbank" allows you to control and manage accounts, as well as carry out almost any banking operations without leaving your home.

Service features

The service allows you to save time on standing in lines and traveling to a bank branch, since most transactions can be made remotely.

Through your personal account, you can perform the following actions:

view the balance of funds on the balance;
open, replenish and repay deposit accounts ahead of time;
repay loans;
pay for utilities;
make direct payments under bank agreements;
pay for services using the "Settlement" system;
make a payment "with one button";
view the history of statements on deposits;
transfer money;
view payment history;
make changes to personal data;
view expenditure/receipt transactions for the last week.

Ways to connect the service

You can connect the service at a bank branch or through its official website. One client can create only one account for himself in banking system. If the personal account is not used for more than 1 year, the bank may decide to block and cancel it.

When connecting Internet banking at the branch, you need to have an identity card and a bank card issued by Belarusbank with you. The bank employee will offer you to fill out an application for using the service. After completing the formalities, you will be given a login, password and session key card, which will need to be activated at the information kiosk.

To register in the system via the Internet, you need to go to ibank.asb.by, select the "Online registration" section, read the instructions and click on "Continue". In a new window, a public offer agreement will be presented, you need to read it and accept the terms. Next, a questionnaire is filled out with personal data (full name, date of birth, citizenship, type of document provided to confirm identity, identification code and passport number). After registration, you need to pay a fee for using the service, you can do this online. The session key card will be delivered to your address by a postal employee within the next 10 days.

Instructions for paying for services through a personal account

To pay for services through the online service of Belarusbank, you need to connect "Internet banking", go to your personal account and select "Payments and transfers" in the horizontal menu on its main page. In this tab, you can make payments to any details, pay utility bills, repay loans, transfer money and replenish your mobile account.

In the left vertical menu, select the type of payment you are interested in, in the right part of the window all information about commission fees and the conditions for conducting this transaction will be presented, and at the bottom there is an active button “ New payment". After you clicked it, you should enter the details of the payer (select a card) and the payee, the payment amount, the session key and complete the transaction.

How to enter a personal account?

To enter your own account, you need to enter ibank.asb.by in the browser or select the "Internet banking" block in the top horizontal menu on the main page of the official website belarusbank.by.