Belinvestbank offers remote management of accounts and all financial transactions to those of its clients who are owners of the company's plastic cards. Thanks to a special Internet banking system, I made logging in and contacting the bank convenient and comfortable: now money transfers and payments are available from home. All you need to do is register on the bank’s website and go to your personal account. What other features does the financial app have? What is the registration procedure for legal entities and individuals? How can I enter my personal account and what is the procedure for carrying out operations in it? Let's try to figure it out.
How to connect and log into the user’s personal account on the OJSC BIB website?
The registration procedure is simple and clear for both individuals and legal entities.
For a private person
Includes 6 main steps:
- signing an agreement for the provision of remote banking services by the bank;
- familiarization with safety requirements;
- familiarization with the conditions for registering in your personal account and its activation;
- selecting a user login (the name must be entered in Latin and accompanied by entering the code from the picture that appears on the page);
- indication of a valid email;
- specifying a password with mandatory repetition.
To register with ibank Belinvestbank, you don’t have to be a client.
Option for registering in Internet banking and the item “For individuals”
You can open an account or order a plastic card after your personal account has been created.
For legal entities
The procedure for registering enterprises in the Internet branch of Belinvestbank is completely identical to the algorithm for registering individuals and is limited to the same six steps. An authorized representative of the organization fills out the opened forms, enters a nickname and comes up with a password. Then you can freely use the remote financial service.
Procedure for logging into your personal account
Registered clients have no restrictions on the number of entries and time spent on the bank’s website. To log into your personal account of a Belarusian bank, you need to choose one of three login options.
By password and login
To use this login method, you first need to go to the bank’s website using the link www.belinvestbank.by, or through a search engine, in the address bar of which you need to type “belinvestbank”.
Via digital signature
EDS is a digital electronic signature. It is a full-fledged means of user identification and allows you to certify electronic documents so that they acquire the force of real documents signed manually.
This method ( see screenshot above) entry is convenient not only for individual citizens, but also for legal entities.
Important! Before using a virtual key, you must install a program on your computer to protect such keys.
This option is preferred by organizations because the use of an electronic key allows unlimited transfer and acceptance of funds without a visit to the bank.
Automatic processing of payment orders signed electronically can significantly save time.
Through MSI
MSI - interbank identification system, one of the innovations in modern banking services.
The essence of MSI is that once you register in the information system, you will be able to identify yourself in any bank using the Internet. This makes it possible to log into the personal account of any bank using a single entry, that is, you no longer need to remember the login and password for each of them.
Transactions online
How to register and activate an electronic account and card using internet banking?
The personal account of the user of Belinvestbank OJSC is clear and simple: all available services are indicated on the right, and when you click on one of them, a clarifying menu will open. For example, if you open the “Payment for services” item, in the clarifying menu you will find all possible transactions related to payments:
- Payment of utility services;
- Internet and communication services;
- cable television;
- other payments, such as taxes and fines.
Online payments make regular payment for any services comfortable and affordable - without visiting Belinvestbank offices.
mobile version
The Belinvestbank mobile application is under development, but the main package of banking services is already available to clients.
Mobile version of BIB
The Belinvestbank company occupies one of the leading positions among the banks of the Republic of Belarus. The bank works with individuals, industrial and agricultural companies. The bank keeps up with the times: the ability to carry out financial transactions through Internet banking has been implemented, and a mobile application has been developed. Through your personal account, operations such as paying payments, transferring funds from card to card or account, blocking a card, etc. are carried out.
Registration
To start using the bank's services, you need to register in your personal account. For this:
1.Open the official website https://belinvestbank.by/.
2.In the upper right corner, click “Registration”.
3.Select for whom the account is being created: an individual or a legal entity.
4.The 6-step registration process begins. First, you need to read the terms of the contract and confirm your agreement with them.
5.Similarly, read and agree with the text in steps 2 and 3.
6.Step 4 – come up with a unique username in the system, enter the numbers from the picture:
7.Enter your E-mail, select an avatar:
8.At the last stage, create a password, following the recommendations (see figure):
9.Registration is completed, your personal account will open:
Via the app
Registration through the mobile application occurs in the same way.
1.Download the application:
- for Android via the link: https://play.google.com/store/apps/details?id=by.belinvestbank;
- for iOS: https://itunes.apple.com/by/app/belinvestbank/id1019177464?mt=8
2.When you start, a login window will appear, click on the word “registration”.
3.In the new window, enter your name, email address, and create a password.
4.Agree or refuse PUSH notifications:
5.Registration is completed. Using your login and password, you can log into your Belinvestbank personal account through any of the resources.
Card activation
To start using the bank's services, you need to activate a bank card or order a new one. You can do this from the main page at startup.
- Select the “Card Activation” button;
- Read the submitted documents and mark your agreement with them;
- You will receive a confirmation code in an SMS message (the number you provided during registration), enter it in the required field;
- In the “Updating the list of cards” window, enter your passport and card information.
If everything went correctly, yours will appear in the list of cards.
Among the many bank cards is the “Motsnaya Card” or, as it is also called, the “Powerful Card”. The card holder automatically becomes a participant in the loyalty program operating in Belarus. When purchasing from partner companies of the program through the card, the owner is given a discount. The program is implemented on the basis of many cards and banks; such cards have the loyalty program logo.
The discount amount is determined by the store. Companies participating in the bonus program must have (at the checkout, store doors) the “Motz Card” icon:
The card is accepted in more than 4,000 points throughout the Republic. When paying in such stores with a card, bonuses are accumulated in your personal account on the Bestcard website, which can be exchanged for discounts, coupons, participation in games and sweepstakes from partners. Up to 1% of purchases are transferred to a charitable foundation (at the expense of the participating company).
Possibilities
When the card is activated, you will be able to use all the features of online banking:
- Pay bills, communications, fines, loans, make money transfers;
- View information about account status, exchange rates, unclosed loans;
- Replenish deposits in OJSC Belinvestbank;
- Connect additional services: auto payments, SMS notifications, etc.;
- Set limits on the card;
- Block cards;
- Find out the location of ATMs and bank offices on the map, as well as their operating modes.
Contacts
You can contact Belinvest Bank for advice by calling short number 146 or +375172390239. The central office works from 8:30 to 17:30. Send suggestions and wishes by mail: [email protected].
The ability to make financial transactions online greatly simplifies life and saves time. Internet banking from Belinvestbank has proven itself to be reliable, convenient, and easy to manage. Choose a card that suits your needs, order it on the website, activate it and enjoy the convenience of online banking.
Remote banking systems are gaining more and more popularity every day. Today, clients of almost all Belarusian banks can use the Internet banking service. To do this, you only need a bank card and a computer with Internet access.
Infobank.by, as part of the “Consumer Experience” project, continues to test Internet banking of various financial and credit institutions. Today we will explore the possibilities of the service provided by Belinvestbank.
To connect to Internet banking at most banks, you will have to go to a branch or go to an ATM. A huge advantage of the system from Belinvestbank is the ability to connect it directly from home.
To activate the service, you need to go to the official website of the bank. In the upper right corner of the page you will see a button "Internet banking". Clicking on it will redirect you to the page ibank.belinvestbank.by, where you need to register.
The first step will be to familiarize yourself with the “Contract for the provision of remote banking services” and the “Principles of ensuring information security in the system.” Then you need to come up with a username and password.
Let’s face it, I had to tinker with the password; the site stubbornly asked me to come up with a “different” password that would meet all security requirements. But do not forget that such “reinsurance” is aimed at protecting your personal account in the system from outside attacks.
After registration was completed, we were taken to a page that told us that we had not yet added our cards to the system.
How to add your card to the system? If you have it, just press the button "Activate card", if there is no card - "Order a card". Please note that when you issue a card via Internet banking, you receive a 20% discount.
And here, for some reason, I would like to once again say thank you to the specialists of Belinvestbank for saving us from unnecessary trips to the office :) Another plus is the free use of the system.
So, we registered, activated the card - now let's get started. By the way, to log in, in addition to your login and password, you will also need a session key, which comes via SMS message.
We get to the main page...
At the very top of the page the balance of our card is displayed. There we also found a notification that we had unread messages from the bank. In these messages, the bank sends current news.
On the left side of the page is the system menu, which contains 8 sections.
In chapter "Payments" We found the following points:
- Payment for services
- Arbitrary payment
- List of payments
- Identifier in ERIP
- Payment basket
In point "Payment for services" you will find a window "My payments", which displays payments saved after payment. A very convenient function that allows you to quickly find the most necessary operations.
We are changing the name to “Internet AtlantTelecom”...
Below on the page there is a search by service name. For example, we want to pay for the services of the mobile operator Velcom.
Or electricity...
The search results returned 50 matches. In order not to delve into them, you can add some other criteria to narrow the search. For example, indicate the locality where you need to pay for electricity. This will greatly simplify the task for the search engine.
On the same page are located "List of popular payments"(with which you can pay for the services presented in the list in a minimum number of clicks) as well as the traditional “tree” of ERIP payments.
Next item "Arbitrary payment". Let us remind you that in some banks this function is called "Free payment". To carry it out, you need to know the recipient’s UNP, his current account and the code of the bank in which the account is opened.
Paragraph "List of payments" contains the history of transactions performed through the system "Internet banking".
In this list you will find transactions for the last month. If necessary, you can set the period of interest (lasting no more than 90 days) or view the history for a specific number of recent days. If you click on the name of any of the transactions, a receipt will appear that you can print or send by email.
Paragraph "Identifier in ERIP" allows you to access your personal account in the ERIP system. To do this, you need to enter your payer number, after which a list of payments that you have already made in this system will appear.
Paragraph “Create a payment cart”- this is like an analogue of the function "One-button payments" in other banks. The service allows you to simultaneously pay for several services, which can be transferred to it from the section "My payments".
Thanks to this section, you can perform many different operations with cards.
For example, as you can see from the Screenshots, we have 2 Belinvestbank cards at our disposal, and we can assign them different names. This will be especially convenient for those clients who have many cards.
So from the “Unnamed” MasterCard we made a “Salary” card.
In the same section, you can select which card will be current (payment), allow or prohibit transactions abroad and on the Internet, and also block any of the cards.
In addition, the section allows you to:
The message highlighted in red informs that if the share of non-cash payments increases, you can apply for a card of a higher category, which the bank will provide for free or at a discount. By clicking on this message, you can read the terms of the promotion.
The first table shows the terms of the promotion, the second shows the indicators on our card for the last 3 months.
For those wishing to issue another card, there is a point "Application for a card".
You can also connect SMS alerts or use the service "Autopay"(unfortunately, it is only available for clients of the mobile operator MTS).
In this section you can familiarize yourself with exchange rates for transactions with bank payment cards. The latest changes in buying and selling rates for US dollars, euros and Russian rubles are displayed. For those interested, there is an archive of exchange rates. The rates in it are shown for the last month, but you can set the desired period within the last year. In addition, the course archive can be downloaded in Excel and PDF formats.
Next section - "Translations". It allows you to transfer funds from card to card, from card to account and from account to card.
In chapter "Accounts and deposits" contains information about accounts and deposits, if any. You can also use the deposit calculator here. On the calculator, you select the deposit currency, its term, the initial amount and indicate the parameters you are interested in - the calculator will calculate your income. In addition, you can view your monthly income in tabular and graphical formats.
The situation is similar with the section "Credits".
Chapter "Correspondence" contains incoming messages containing bank news. In this section you can write an outgoing message to the bank with a question, complaint or suggestion.
Let's move on to the section "Settings".
Using this section, you can subscribe to receive notifications about changes in conditions and promotions. You can choose mailing options (SMS messages or emails).
In addition, in the section "Settings" You can change the password for logging into the system, the phone number to which session passwords are sent, and also your email address.
Chapter "Help" contains reference information. In it you can familiarize yourself with the “Agreement for the provision of remote banking services”, “User’s Guide for the Internet Banking system”, “Agreement for the provision of the “SMS Alert” service” and other necessary documents. We have compiled a list of operations (if any) that will be considered when testing the Internet Banking service:
- Payment for mobile communications
- Internet payment
- Payment of utility bills
- Transfer from card to card
- Applying for a loan
- Opening a deposit
- Feedback from the bank
Belinvestbank's Internet banking system allows you to pay for services in several ways:
- through the "Raschet" (ERIP) system
- using the "Popular Payments" function
- using the "My Payments" function
If you are just starting to use the system, immediately use the service "My payments" You won’t be able to do this, you must first conduct and add them. To do this, you need to carry out an operation, for example, using the Calculation System. And when the payment is completed, a button will appear at the bottom of the page under the receipt "Add to "My Payments"- in the case of payments, or “Add to “My Translations”— in the case of transfers from card to card.
But let's say we logged in for the first time, and in the list "My payments" empty for now.
Payment for mobile communications
"MTS", then - "MTS by phone number."
Enter your phone number...
And the amount.
Click "Pay" and receive a receipt confirming the successful completion of the operation. The receipt can be saved on your computer or printed.
Internet payment
On the main page, in the list of popular payments, select "Internet, cable TV", Further —"ACS AtlantTelecom - Internet".
Enter your personal account number...
And the amount.
This window will indicate the full name of the person in whose name the contract was concluded, as well as the amount charged for payment.
Then a receipt appears confirming the transaction.
Payment of utility bills
To pay for utilities, go to the “Calculation” System, select "Minsk", "Communal payments", “Square rent, water, other utilities. services"and enter your personal account number...
The details of the owner of the apartment and its address appear. Enter the amount to be paid.
The operation is completed.
Transfer from card to card
To make a transfer from card to card, please refer to the section "Cards", select the card from which we will transfer funds (if there are several cards) and press the button "Transfer to card". To make a transfer, it is enough to know the card number.
The transfer can be made in Belarusian rubles, US dollars, euros or Russian rubles. If the transfer currency differs from the account currency, funds will be debited from your card at the rates established for bank payment cards. Please note that the minimum transfer amounts, depending on the selected currency, are 5 thousand Belarusian rubles, 1 US dollar, 1 euro and 30 Russian rubles.
The transfer is carried out instantly.
Feedback from the bank
You can write a message with a question or suggestion to a bank specialist in the section "Correspondence".
Note that the answer came in just 9 minutes.
In addition, at the bottom of the main page there are two more email addresses, as well as phone numbers where you can ask all your questions.
I would like to note the prompt work of Belinvestbank employees. We wrote and called to all addresses and telephone numbers, and not once did we keep waiting for an answer.
General impression
We really liked the Belinvestbank system. It fulfills its intended purpose - it eliminates unnecessary visits to the bank office. You can connect it while sitting at home, and you can also order the card without leaving your apartment.
If you have any questions, you won’t have to wait days for a response.
To log in, in addition to your login and password, you will also need a session password, which comes via SMS message. This is a little annoying at first, but it's nice that you don't have to confirm each payment individually. In other words, you confirm once that you are the one who is logged into the system, and no further actions are needed.
To summarize:
Connection
- Online connection - 2 points
- Connection is carried out immediately - 2 points
- Instant connection - 3 points
Convenience
- To log in you need a login, password and session password - 1 point
- Convenient navigation, operations do not require many transitions - 3 points
- There is quick access to frequently used operations - 2 points
- A session password is needed to log into the system, it comes via SMS - 2 points
- Ease of working with ERIP. There were no problems. Plus, there is a search by ERIP - 2 points
- You can change your password - 1 point
Payments
- Autopayment can be created only to pay for the services of the MTS operator - 1 point
- There is a search for payment history, you can set the period for which the history is shown - 2 points
- There is a function "Arbitrary payment"— 1 point
- You can create payment templates and assign names to payments - 2 points
- There is a function "One-button payment"— 1 point
Translations
- You can make transfers to cards - 1 point
- Transfer in another currency is possible - 1 point
- To make a transfer, the card number is enough - 3 points
- High translation speed—2 points
Deposits
- A deposit can only be opened by visiting the branch in person - 0 points
- The deposit can be replenished if this is provided for by the terms of the agreement - 1 point
- Accrued interest or part of the deposit can be transferred to the card if this is provided for by the terms of the agreement - 1 point
Loans
- There is no way to leave an online loan application - 0 points
- Online - obtaining a loan is impossible - 0 points
- You can repay loans - 1 point
Additional features
- You can make an extract - 2 points
- You can block your card online - 2 points
- You can set limits - 2 points
- Receipts are kept. You can print any of them at a convenient time - 2 points
- You can enable/disable SMS notifications – 1 point
- You can order a card online - 1 point
- You can connect the 3-D Secure service - 1 point
- There are exchange rates, there is no information about the addresses of branches, information kiosks, ATMs - 1 point
Feedback
- Two phone numbers are provided; in addition, you can write a message to the Contact Center in the section "Correspondence" and send an email (4 communication channels) – 4 points
- Email address provided (1 communication channel) - 1 point
- Minimum response time - 3 points
Personal opinion
- Overall user experience - 5 points
| Evaluation criteria for online banking | ||||
| connection | ease of connection (availability) 1. online, offline 2. immediately or after a while 3. connection time (min) How long can it take to use it? |
1. 2/1 2. 2/1 3. up to 20 min - 3 up to 40 min - 2 up to an hour - 1 more than an hour - 0 |
max 7 | |
| convenience | 1. authorization mechanism (login and password are enough to log in or do you need something else) 2. convenient navigation, number of transitions to complete an operation: - pay for mobile - pay utilities + electricity - pay for the Internet (ByFly) 3. availability of quick access to frequently used functions 4. session passwords (cards, SMS) 5. ease of working with ERIP (search) 6. ease of changing and recovering passwords |
1. 2/0 2. 1 transition - 3 4. sms - 2 |
max 12 | |
| Functionality | payments | 1. possibility of creating automatic payment 2. availability of payment history 3. availability of the free payment function 4. ability to create a list of your payments, rename them (templates) 5. one-button payments |
1. any payment without restrictions - 2 there are restrictions - 1 no such function - 0 2. search through history + setting a time period + visualization - 2 3. 1/0 4. 2/0 5. 1/0 |
max 8 |
| translations | 1. to your bank card 2. to your bank card in other currencies 3. amount of data required for translation 4. translation speed (time) |
1. 1/0 2. 1/0 3. the card number and expiration date are enough - 3 card number + expiration date + full name - 2 account number, etc. - 1 4. within an hour - 2 during the day - 1 next day - 0 |
max 7 | |
| deposits | 1. possibility of opening a deposit 2. replenishment of the existing deposit 3. possibility of transfer to card |
1. 1/0 2. 1/0 3. 1/0 |
max 3 | |
| loans | 1. online application 2. online receipt 3. loan repayment |
1. 1/0 2. 1/0 3. 1/0 |
max 3 | |
| additional features | 1. extract 2. online card blocking 3. setting and adjusting limits 4. confirmation of payment (checks) (stored + can be printed/sent by email) 5. enable/disable SMS notifications 6. online card order 7.connection to 3-D Secure technology 8. Information desk (courses, branches, ATMs) |
1. for any period - 2 for a specific period - 1 no - 0 2. 2/0 3. 2/0 4. 2/0 5. 1/0 6. 1/0 7. 1/0 8. 2/0 |
max 13 | |
| Feedback | 1. communication with banko | |||
To work with a card in the Internet banking system, the card must be activated in the system. When activating the card, you must have a mobile phone with you to receive the activation code and the card.
Connection order:
Card activation procedure
- in the “Cards” tab, click the “Activate card” button
Read the agreement for the provision of remote banking services of OJSC Belinvestbank (public offer), then enter the mobile phone number previously specified in the bank division to receive an activation code and click the “Activate card” button
Enter the personal/identification number indicated in the passport (for non-resident clients - passport number), fill in the corresponding field with a digital activation code sent to the specified mobile phone number, as well as the client’s personal or salary card details: full number and validity period of the card, value CVC2/CVV2 code indicated on the back of the card and click the “Activate card” button
After completing all procedures, the activated card will appear in the list of cards.
To activate all cards owned by the user in the “Cards” tab, you must click the “Card Activation” button, and then click the “Update list of cards” button.
Activation of a gift card, as well as a card issued to the client’s account for another individual, is carried out by clicking the “Activate additional/gift card” button
IT IS IMPORTANT TO KNOW!
If the client needs to change the mobile phone number used to activate the cards in the Internet banking system, and to which session keys are sent to the client, it is necessary:
1) if you do not have an old mobile phone number, contact a bank branch. You must have an identification document and a mobile phone with a new number with you.
2) if you have an old mobile phone number in the Internet banking system, change the mobile phone number in the “Settings” tab.
You can change the email address for sending session keys in the Internet banking system in the “Settings” section.
3) for one individual client, only one user name can be used in the Internet banking system, which, in turn, corresponds to only one mobile phone number.
The same mobile phone number cannot be used for more than one user in the Internet banking system.
How to restore data to the Internet banking system?
Data to the Internet banking system can be restored only if the card is already activated in the Internet banking system.
Login, E-mail, mobile phone number
To restore the login, E-mail and mobile phone number that were specified when registering in the Internet banking system, you must contact the bank department. You must have an identification document with you (passport of a citizen of the Republic of Belarus, passport of a foreign citizen, refugee ID).
Password
To recover a forgotten password, on the Internet banking system launch page, click on the “Forgot Password” link, fill in the values in the fields Username (Login), E-mail, mobile phone number, numbers from the picture and click the “Log in” button. After this, a temporary password will be sent to the email address specified when registering in the Internet banking system, which must be replaced after the first entry. When opening the form to change the temporary password, in the “Enter old password” field, you must enter the temporary password that was sent to your email address, and then enter the new password.
The service allows owners of bank cards of OJSC Belinvestbank to carry out many operations via the Internet:
A client who has a card issued by this bank can gain access to Belinvestbank banking, provided that a current telephone number is registered with Belinvestbank. It is required to register in the Belinvestbank Internet banking system - on the website ibank.belinvestbank.by. Read the contract (public offer) and express agreement or disagreement with it. Registration will continue if the user has accepted the offer.
You must enter your username and password. Then set your personal settings: select an avatar image, enter your email address (a session key can be sent to it).
Afterwards you have to enter the password twice (an indicator of its complexity is displayed).
When registration is completed, you need to activate.
When logging into your personal account, you must enter your username, password, numbers from the picture, and session key. The latter usually comes in a mobile message. You can also receive the key by email, but the version will be limited (without access to accounts and deposits, settings; you cannot update the list of cards and deactivate them; there is a limit on payments).
How to pay utilities
Personal Internet banking allows you to pay for about 50 thousand different services, including utilities, at any time of the day. For this purpose, the “Calculation” system (ERIP) is used. After selecting the city (region), you need to click on the “Utility payments” link. A list of available payment transactions will appear: rent, gas, electricity, heat supply, water supply services, housing cooperatives, housing cooperatives, etc. (lists vary depending on the region). By clicking on the required link, the user enters the details (subscriber account number, meter readings) and makes the payment. Next time you will not need to enter this data again - almost everything will be displayed automatically.
If you need to pay for a service that is not in the initial menu, you can use the search in the Settlement system (ERIP): enter the name of the online store or service provider in a special window.
Convenient banking services
You can quickly make payments through the main menu, where those that are made frequently and regularly are displayed. Just click on the link - a window will appear where all the details and payment data will be entered, except for meter readings.
Automatic payment for the services of mobile operators (while MTS is available) saves a lot of time. It can be configured in the “Cards” menu by clicking on the green “Autopayment” button.
To instantly receive a payment card statement, you need to select the card from the list of available ones, and then click the “Card Statement” button. It can be saved in several formats ( pdf, vsv).
SMS notification (connected through the “Maps” menu) is a paid service. It assumes that after making a payment using a bank card, a message with a brief report will be sent to your mobile phone.
SMS banking is also available - connect to either an information kiosk.
Mobile version of Belinvestbank Internet banking
Through it you will not be able to register in banking, apply for a card, or activate your first card. However, basic functions regarding payments are available.
To log into personal banking from an iOS or Android device, it is best to use Safari, Chrome browsers; The functionality is somewhat limited when logging in through Opera Mini. If you cannot open the mobile version, the system will display the full version. You can also connect to it manually (via the corresponding link on the login page).
Security of work in the banking system
The basic principles are covered in the remote service agreement, which the user accepts at the time of registration.
You are allowed to log into banking from a computer or mobile device on which a reliable anti-virus program with up-to-date databases is installed.
The secure HTTPS protocol is used (SSL encryption is carried out). It is advisable to check the security certificate: double-click on the image of the lock in the browser. A window will appear with information about the certificate (it must be indicated that it was issued to Belinvestbank for the website ibank.belinvestbank.by).
If you notice an error in the text, please highlight it and press Ctrl+Enter
