Bps Sberbank salary cards. Which banks now offer free cards?

This time we will go to BPS-Sberbank to issue a bank payment card. And as always, our journey begins with a call to the contact center.

— Good morning, BPS-Sberbank, Evgeniy, I’m listening to you,— the bank employee greeted me.

— Hello, I would like to issue a personal card. What are the options?

Having asked how to contact me, the specialist began asking clarifying questions:

- Tell me, do you want a personal card?

- Yes.

— And in what currency?

- IN Belarusian rubles.

- Tell me, do you need a card? high level? What will it be used for?

— I need a regular card to pay in Belarus, but I would like to receive information on international cards.

Evgeniy further explained that in this moment The bank produces only international cards. These are low level cards - Maestro and Visa Electron. They can be used to pay both abroad and in our country. You can also pay with them online.

But due to the fact that the cards are of a low level, not all sites accept them. If you regularly pay online, the bank recommends a card of a higher level - Visa Classic or Visa Gold. These cards can be used to pay abroad, in the territory of the Republic of Belarus and on the Internet without restrictions.

— Can you give me an idea of ​​the cost?- I asked.

- Yes, sure. In Belarusian rublesVisa ElectronorMaestrofor a period of use of 3 years it costs 10 Belarusian rubles.Visa Classicis issued for 2 years and costs 30 Belarusian rubles. AVisa GoldorMasterCard Goldis issued for 2 years and costs 60 Belarusian rubles. DifferenceVisa ClassicAndVisa Gold, is that forVisa GoldVarious discounts, promotions, and bonuses from the payment system are provided.

— Tell me, do you no longer issue Belcard system cards?

- No. We no longer issue Belcard system cards.

— Tell me, where can I look at the discount system?

— Discounts are provided by the payment system. When you choose the payment system you need, you can look at its official website for the program of bonuses, discounts and promotions.

— Tell me, does the cashback go to the card?

- No. These are payment cards. To issue a card, you need to apply with your PASSPORT to a bank branch. An account will be opened for you. The card is produced within 10 working days. You come with your PASSPORT and pick up your card. Information about the readiness of the card is not provided over the phone, so you will need to contact the bank branch.

— Which ATMs can you withdraw money from?

— Without commission, money can be withdrawn from the ATMs of our bank, Belarusbank, Priorbank, and you can view the balance at the ATMs of our bank and Belarusbank, and a commission will be charged at Priorbank. And in other ATMs the commission will be 3% of the amount or 4 rubles.

Having learned all the information I was interested in, I asked about the bank branches closest to me.

- Thank you bye,- I said goodbye.

I didn’t have time to visit the bank that same day, and got there only 3 days later, when I found myself near Central Bank No. 706 at the address: st. Kalvariyskaya, 42. Well, I just had an hour of free time, and I decided to go in and get myself a BPS-Sberbank card.

CBU No. 706 of BPS-Sberbank at the address: Minsk, st. Kalvariyskaya, 42

The bank turned out to be quite pleasant both outside and inside. At the entrance, bank clients are greeted by a consultant. There is also an electronic queue. Having received my number in the electronic queue device, I began to wait for the economist I needed to become available. We didn't have to wait long. Four minutes later I heard my number:

- Hello, - The bank employee greeted me.

— Hello, I would like to issue a card. Which ones do you recommend?

— Would you like a salary card?

- No - ordinary.

— Do you want to pay here, or abroad?

- Ideally, both here and there.

— Don’t have a salary account with us?

- No.

In the operating room

Then the girl suggested and told me in detail about two levels of cards: Visa Gold (MasterCard Gold) and Visa Classic (MasterCard Standard). The girl also reported the cost of these cards when opening an account, both in foreign currency and in Belarusian rubles.

- There is another cardVisa Electron- but it does not have a “currency exchange”. This card is valid only in Belarus.

The information received from the economist was fully consistent with the information received at the contact center. The only thing that the economist clarified is that payment for the card can be made both upon registration and upon issuance. The girl also showed what the cards look like "higher level".

— These cards also come with free SMS notification. You will receive information about all purchases, but if their cost is from 10 Belarusian rubles, - the specialist explained.

— Is Internet banking also free?

- No. Internet banking costs 7 rubles 50 kopecks per year. Debited from the account at a time.

— Tell me, do you have Belcard system cards?

- No. We do not issue regular Belcard cards. There is, as an option, “Motznaya card”. CombinedMasterCardand Belkart. You know, this card is already considered international. It can be used both abroad and in the Republic of Belarus. And there is also a system of discounts. I have the same card, and, for example, yesterday I received an SMS about discounts on sushi!

— The cost of such a card is 15 Belarusian rubles for two years of service.

— It turns out that the Motsnaya Kart is the cheapest international card?- I asked.

- Yes. But it turns out that there are fewer discounts on the Motsnaya Card than on cards of a higher level.

— And the cheapest —Visa Electron?

— Yes, it costs 10 Belarusian rubles. But it can only be paid in Belarus. You can pay with it on some Internet sites, but not everywhere. You can also connect online banking to it. The connection cost is 7.5 Belarusian rubles. You can come for a card and put some amount on it. For example, 10 rubles. We give brief instructions and connect you to Internet banking.

- Fine. I understand. Let's get the "Motz card" then. How long will it take to produce it?

— About 7 days. But maybe earlier. We will call you when your card is ready.

After that, the girl began to design the card I needed, at the same time writing to me the name of the site bestcard.by, where I can familiarize myself with the system of discounts for the Motsnaya Card.

The specialist also provided me with information about which ATMs you can withdraw money from without commission and what the commission is when using other ATMs. She once again recited all the information on the Motsnaya Card. And finally, I gave a short presentation of the map:

— If suddenly for any reason an unauthorized debit occurs from the card, the bank guarantees a refund Money in 100% volume.

It's nice to know that the bank guarantees a refund in case of anything! :)

I decided that I would pay for the card upon receipt. Then I will/will not connect (I haven’t decided yet) Internet banking. Moreover, it was time for me to run.

The registration of the card, of course, took a little longer, but solely because of my curiosity (I was more than satisfied with the completeness of the information received from the economist). After thanking the girl, I went to work.

After 7 days, as promised, I received a call from BPS-Sberbank and was told that the card was ready and I could pick it up.

— Just don’t forget your PASSPORT,— the girl prompted carefully.

That day I was going on a business trip, so 2 hours before the train I decided to “drop in” to get a card. I went to pick up the card right with my travel bag, so the first person who approached me was a man in a police uniform (I think this is something like a security service), who politely asked to show me what I was carrying in my bag.

After a few seconds of checking, the policeman asked what question I came to the bank with and, having learned that I had come for a card, he “knocked out” my electronic queue number and took me to the economist. To be honest, I have never seen such a service in any bank! :)

After I provided the economist with my passport, the girl found my card within 1-2 minutes and asked if I wanted to connect to Internet banking (I decided not to connect it after all) and SMS notification. After this (since I decided to pay for the card upon delivery), the specialist redirected me to the cashier.

After payment, the economist explained that the Internet banking service has been activated, and, if desired, I can register on the BPS-Sberbank website and use it. Upon registration, a one-time commission for connecting the service in the amount of 7.5 Belarusian rubles will be charged. If you do not register, no commission will be debited.

Also I can download mobile app "BPS-Sberbank" and use mobile banking. The application is free and comes as an addition to online banking. The card is activated within 3 hours.

- Please tell me, do you have any other questions?— the girl clarified.

- No. Thank you. Goodbye.

- Goodbye. Please contact us again.

Based on the results of my visit to BPS-Sberbank, I can draw the following conclusions:

• I was pleased with the level of BPS-Sberbank specialists. I received very complete and clear advice both from the contact center and from the bank itself. Plus, the economist not only told me about the bank’s card products, but also showed me what different cards look like, and told me where and what discounts I can now get when paying with my card.

• The bank does not issue free payment cards, but gives preference to international cards Visa systems and MasterCard.

• The bank cares about the safety of clients and bank employees, so there is always a law enforcement officer on duty in the hall, and you will not be able to slip past him with a travel bag.

Waiting time for a response from the contact center on the line—40 seconds — 4.8 points

Completeness of information received from the contact center - 5 points:

• suggested card options - 1 point
• clarified the cost of registration - 1 point
• told where to go (place and hours of operation) - 1 point
• were polite - 2 points

Waiting time in queues at the bank (we sum up the waiting time to see a specialist and to the cash desk — 4 minutes - 4.2 points.

Processing speed (we add up the time spent with a specialist, at the cash desk and the time spent receiving the card) - 53 minutes - 0 points.

Card issuance speed — 7 days -1 point.

Completeness of information - 11 points:

• payment system (explanation)— 1
• “clean” Belkart “they don’t issue”, they offered “Motsnaya card” (“Belkart” and MasterCard) - 2
• production time was announced - 1
• named the cost of production - 1
• named the cost of service - 1
• local or international told - 1
• they talked about fees for withdrawals from banks and ATMs - 1
• reported the availability of Internet banking (IB) and mobile banking(MB) - 1
• talked about the process of connecting IS and MB - 1
• the cost of information security and MB was announced - 1

At the contact center we will find out whether it is possible to issue a card at the bank branch we are interested in. But we don’t make an appointment in advance - we arrive in the general order.

You can issue both a debit and a savings card.

BY PHONE

Waiting time for a response from the Contact Center on the line (maximum 5 points):

Scale
0 points - more than 3.5 minutes
1 point - 3.5 minutes
2 points - 3 minutes
3 points - 2 minutes
4 points - 1 minute
5 points - less than 30 seconds

Completeness of information received from the Contact Center (maximum 5 points):

Did they offer card options - 1 point
. did they clarify the cost of registration - 1 point
. told where to contact (place and time of work) - 1 point
. politeness (yes/no) - 2 points

Waiting time in queues at the bank, sum up the waiting time to see a specialist and at the cash desk (maximum 5 points)
Scale
1 point - 20 minutes
2 points - 15 minutes
3 points - 10 minutes
4 points - 5 minutes
5 points - less than 1 minute

Speed ​​of registration (we sum up the time spent with a specialist, at the cash desk and the time spent receiving the card)
Scale
1 point - 40 minutes
2 points - 35 minutes
3 points - 30 minutes
4 points - 25 minutes
5 points - 20 minutes (15 for registration and 5 for receiving)

Card issuance speed (maximum 5 points)
Scale:
1 point – more than 7 days
2 points - more than 5 days
3 points – from 3 to 5 days
4 points – up to 3 days
5 points - same day

Completeness of information (maximum 11 points)

Payment system (explanation) - 1
. did they offer BELKART - 2
. production time - 1
. production cost - 1
. service cost - 1
. local or international - 1
. commission for withdrawals from banks and ATMs - 1
. Availability of Internet banking (IB) and mobile banking (MB) - 1
. process of connecting IB and MB - 1
. cost of IB and MB - 1

Facilities:

Ease of receipt:

If the bank notifies you that the card is ready, add 5 points; if not, add 0 points.

Ease of service (maximum 4 points)

Indoor renovation - 1 point
. cleanliness - 1 point
. electronic queue - 1 point
. corporate style of clothing and badges for employees - 1 point

Staff attitude (maximum 5 points):
. bank employee said hello - 1 point
. The bank employee was friendly - 3 points
. bank employee said goodbye - 1 point

The maximum possible number of points is 50 points.

First of all, you need to decide why you need this virtual plastic card which doesn't even have a magnetic stripe. I personally needed it to open an account in the electronic payment system PayPal. Having an account with a payment system PayPal- the foundation for successful shopping in foreign online stores and auctions such as dealextreme and ebay. “PayPail” or as it is called on the Internet “stick” does not accept all plastic cards of Belarusians, but only some of them. It is most reliably known that this can be done with Visa Electron cards of Bank Moscow-Minsk, Visa Internet of Priorbank and Visa Virtuon BPS Bank. In addition, if you have such a card and connected Internet banking service, the task of replenishing the more familiar ones for Runet and Baynet is simplified payment systems WebMoney and EasyPay.

UPD 2014: Step-by-step instruction upon payment - .

UPD 2013: At the moment, it is possible to receive a card with an identical number and a period of 5 years by writing a corresponding application to BPS-Sberbank.

Then for cards linked to PayPal, go to account, on the right in the window Notifications click on the link Update the details of your credit card - enter new term actions and CVC code. After that, I withdraw 1 dollar from the card, and you continue to enjoy shopping online.

UPD: Many online stores I use additional payment protection using the Verified by Visa protocol. This service connects for free via Internet banking. An example of work is described in the post Computeruniverse and purchases using Verified by Visa.

BPS Bank Visa Virtuon plastic cards: front and back.

Registration of a card and replenishment of an account.

My salary card also belongs to BPS Bank, so I opted for the latter and decided to order a card Visa Virtue. You can come to bank branch in person or fill out an application for a card online on the BPS-Bank website and wait until they call you back and inform you that everything is ready and you can come for the card. That’s what I initially did, but without waiting for the next day, I took my passport with me and went to the nearest bank branch, where they found my application, checked my passport details and ordered me a plastic “Visa Virtuon” card.

At registration of plastic Visa cards Virtuon You can choose the card currency: Belarusian rubles, US dollars or euros. I was faced with the question of what currency to open a card account in and I chose my native Belarusian rubles. It was logical to reason that you might have to pay in foreign online stores not only in dollars or euros, and I didn’t really want to lose extra interest when converting to Belarusian rubles and back to another necessary currency. By the way, when transferring funds on your card to another currency, “Currency purchase and sale rates according to plastic cards OJSC "BPS-BANK" - they are listed on the BSP-Bank website in the left side column. This rate is usually slightly higher than in regular exchange offices.

UPD: Due to changes in March 2011 of the rules when working with currency I recommend starting it plastic card V foreign currency ! Cards in Belarusian rubles (except for Visa Virtuon BPSB) are simply no longer linked to PayPal.

Cost of issuing a plastic card Visa Virtuon of BPS Bank is 8,000 Belarusian rubles for the year. In addition, you need to connect to the system Internet banking "Personal Bank" a one-time fee of 5,000 Belarusian rubles is charged for this, but there is no subscription fee. In total, it took one week to issue a card in my provincial city, after which I received the coveted plastic card. The card was not immediately active; this, according to bank employees, requires at least one banking day from the moment the card was issued.

Top up your card You can do it in cash at the bank's cash desk, through Internet banking from another BPS bank card, for example, by salary, or at an information kiosk. In this case, replenishing the card in cash is carried out without commission. When replenishing a Visa Virtuon card of BPS Bank from another card of the same bank, the commission is only 0.15%, when transferring funds to other cards of BPS Bank it is already 1.5%. While my card was not activated, I managed to top up my card account upon presentation of my passport at the bank’s cash desk, the card was activated within a few hours, which was reflected in Internet banking, and the money arrived the next morning.

Today more than 10 banks offer free cards. However, before you sign up, you should pay attention to whether there is an additional commission. For example, in some cases, a fee is charged after money is credited to the card or when servicing “plastic”. The bank may also require you to have a minimum account balance.

the site found out where to get a card for free or with minimal financial investment.