We are testing mobile banking of Belarusian banks. Today we will explore the application Belinvestbank for the Android operating system.

Even before registering with the system, you have access to some functions of the application. The first section on the start page is "Courses". The section is quite saturated. Firstly, not only the current rate is displayed here, but also the schedule for its change, for example, for a month or a quarter.

One minus - I never found a cash exchange rate. Information is only on cards and deposits :(

Next section titled "Contacts" also did not please me. It allows any user to write or call the bank, but subsections "News" and “Service Points” turned out to be not working :(

Section "Consultant", which is an online chat, also refused to answer me :(

Now let's go into the application. To enter you can use the username and password from the Internet bank, as I did. If this is your first time using Belinvestbank systems, you can either register or log in using MSI.

The first thing the application suggested as soon as I logged in was to configure a simplified login to the system for a specific device, without SMS confirmation. So I did, and at the same time I turned on the entrance by fingerprint. And no need to enter a password anymore :)

To my surprise, the main page in the application was not. That is, after logging in, the client immediately goes to the section "My payments"…

Here, all paid services are automatically saved, from here you can re-make the payment, rename the payment, delete it and even carry out several operations at the same time.

To get to the section "History", just swipe left. In the section you can view, save and send the check by e-mail or through the messenger.

Section "Payment for services" conveniently divided into 3 parts: popular payments, ERIP system and free payment.

And if you do not know where to find the desired service, you can always use the advanced search, for example - by name or account number.

In section "Cards" services such as disabling / enabling SMS alerts, PF-manager, applications for opening new cards and re-issuing existing ones are available to you.

Advanced plastic functionality can be found by clicking on the card.

Here you can replace the card, issue an additional one, block plastic, prohibit operations abroad, view the statement and send it by e-mail, make transfers to cards and to accounts.

However, from the application, the transfer can be carried out only on cards of 2 other banks: Belarusbank and Belagroprombank.

But I didn’t succeed in setting limits, although such a service is there, but it’s “temporarily unavailable” in the mobile application :(

Sections “Accounts and deposits” and “Credits” turned out to be not very functional. From here you will not be able to apply for a loan or remotely open a deposit :(

Personal opinion of the tester

Unfortunately, Belinvestbank’s mobile service was not as good as online banking.

Many services that are available in the WEB version are not implemented in the mobile application:

I was very confused by the absence of the main page, exchange rates can be found only on cards, transfers are limited, there is no remote registration of deposits and loans, and some services, such as “News”, “Online Consultant” and “Service Points” do not work correctly.

Test result - 60 out of 95 points possible

Even more recent and interesting banking news on our channel in Telegram!

Android Mobile App Evaluation Criteria					Belinvestbank
convenience		Easy to connect: - without visiting the bank (immediately after registration) and self-service devices	1\0	max 21	1
		Authorization Mechanism: - by fingerprint - Pin - login and password - login, password and payment password	3		3
			2
			1
			0
		Availability of the last paid payments and the possibility of payment of them	2\0		2
		Availability of last paid payments	1\0		1
		Availability of selected payments	2\0		0
		Ability to manage limits	5\0		0
		Convenience of changing, password recovery: - without visiting the bank - with a visit to the bank	2		2
			0
		Balance Check Speed: It is displayed on the pev screen - displayed on the pop screen (request needed) - not visible - is in the application, but you need to make 1 transition - is in the application, but you need to do 2 transitions - is in the application, but more than 2 transitions are needed	5		2
			4
			3
			2
			1
			0
Functionality	payments	Ability to create an auto payment: - any payment without restrictions - there are limitations - no such function	2	max 13	1
			1
			0
		Availability of payment history. - history search - setting a time period - visualization (check)	3		2
		Availability of the free payment function	5\0		5
		Ability to create a list of your payments and rename	2\0		1
		One-click payments	1\0		1
	translations	To your bank card	2\0	max 14	2
		To a card of another bank	4\0		4
		To a card of another bank from a card of another bank	5\0		0
		Data required for translation: - no card number needed - need a card number - card number and additional information	3		2
			2
			1
		Manual entry of card data for transfer (no need to enter)	3\0		0
	deposits	Possibility of online deposit opening	2\0	max 3	0
		Online deposit replenishment	1\0		1
	loans	Online application	1\0	max 7	0
		Online receipt (without visiting the bank)	5\0		0
		Loan repayment	1\0		1
additional features		Online - application for reissuing a card	2\0	max 27	2
		Online card lock	2\0		2
		Payment Confirmation: - there are checks - can be sent by email	2 (score for each opportunity)		2
		Connect / disconnect SMS alerts	2\0		2
		Online ordering a new card	2\0		2
		Currency Exchange Rates	1\0		1
		Working with a card: - search for the nearest branches (ATMs / POV) - detailed information on them - the ability to build a route	3 (score for each opportunity)		0
		Connect to 3-D Secure Technology	3\0		3
		Pf manager	10		10
feedback from the bank		Communication with the bank (shortest response time): - up to 5 minutes - up to 30 minutes - over	5	max 5	5
			3
			0
working capacity		Number of mistakes: - 0 errors - 1 error - more than 1 error	5	max 5	0
			3
			0
Maximum points				95	60

Mobile banking is a system of remote banking services for individuals, which will allow you to perform online banking operations on the Internet using a mobile device ( mobile phone, Tablet PC).
	The Mobile Banking application is simple and intuitive to use and includes a full range of services for individuals implemented in the Bank's Internet banking system.

Payment for services	Cards	Finance	Search

Opportunities

Also in the Mobile Banking application, the following additional functionality:
- automatic filling in of the session key code in the “SMS-key” field when launching the Mobile Banking application using a smartphone based on Android OS, a mobile phone number that matches the mobile phone number used to work in the Mobile Banking application and the system "Internet banking";
- the ability to automatically close the session of using the Mobile Banking application based on the Android OS when the application is reset without using the Exit function;
- display on the map of service points (ATMs, information kiosks, bank divisions, currency exchange points) and their operating mode using the geolocation function mobile device.

Instant payment of goods and services for QR code *

Brief Instruction:

In the Mobile Banking application, enter the "Payment for services" section, click on the QR-code scan icon. It is located in the upper right corner of the screen. Point the smartphone camera at the QR code. The reader will decrypt the information and transfer it to your payment. Enter the amount, confirm the payment and make the payment. The service provider receives a notification of payment.

QR -code * - two-dimensional barcode. With its help, a variety of information is encoded: address, payment details, name of organization, etc. The encoding of information allows you to conveniently and quickly read this information using special scanners on your mobile phone. A QR code posted on many receipts facilitates and speeds up the translation task. money.

Registration Procedure

For registration and execution of operations using the Mobile Banking application and in the Internet banking system of the bank, unified customer registration data is used - username, password, mobile phone number, email address.

1. If the customer is registered in the Bank’s Internet banking system, the Mobile Banking application is launched by filling in the values \u200b\u200bin the fields “username”, “password” and a 4-digit session key code sent to the mobile phone number as an SMS message or customer email.

2. If the client is not registered in the bank’s Internet banking system, you need to register in the Mobile Banking application, indicating your personal data for use in the Mobile Banking application and the Bank’s Internet Banking system:

A user can register in Mobile Banking in self-service mode. To do this, he needs to open the Belinvestbank mobile application on his mobile device. Then click on the “Register” button.

Next, the user needs to familiarize themselves with the public contract for the provision of remote banking services, the principles of ensuring information security.

Registration in Mobile Banking includes:
- selection and entry of an individual username, which will be used in the future to enter the system. The username must be unique and contain from 6 to 20 characters.

Enter user email address;
- enter the password and repeat the password. When choosing a password, you should refer to the information icon in the password field.

When filling out all the data, click on the "Create Account" button.

With the correct data entry, by clicking on the "Create Account" button, the user makes a registration in Mobile Banking.

When launching the Mobile Banking application by receiving the session key code by e-mail, the client will be able to use only a limited version of the Mobile Banking application (similarly using the limited version of the Internet Banking system), which will:
- access to the “Accounts and Deposits” section is prohibited;
- access to the "Settings" section is denied;
- forbidden to update the list of maps;
- deactivation of cards is prohibited;
- limited card transactions (non-cash payments (excluding loan repayment operations) + money transfers from card to another person’s card or card of another bank) totaling 20 Belarusian rubles. per day.

User's manual

Mobile banking session action timer - 10 min.
In case of inactivity during the specified period, the session is automatically closed.

When launching the Mobile Banking application:
1) in the event of a 3-fold incorrect entry of the session key code, the account is temporarily blocked for 30 minutes.
2) In the case of a 5-fold incorrect password, the account is temporarily blocked for 3 hours. The client’s account is unblocked during the temporary blocking period when it is contacted by the Contact Center, the cost of the service is 2 bel. rub.

User Guide for Working with the Mobile Banking Application Mobile Banking of Belinvestbank OJSC

After that, you go to the ibank.asb.by internet banking page, where you need to enter your login and password. Before entering the personal account of Belarusbank, you need to choose the method of entering codes to confirm each payment transaction. The default mode is “Code from code card”. If you do not have this card with you, then you can select the "One-time CMC-code" mode.

Additionally, the initial entry into the Internet banking system can be found using this lesson video.

ASB Belarusbank OJSC informs all its users that in order to increase the degree of security it is not recommended to use an outdated and discontinued operating system when working in this system windows system XP.

Starting August 19, 2019, amendments to the customer service rules in the Internet banking system are introduced. Now, new code cards will not be issued for bank customers. To access the system, you will need to enter a one-time SMS code, which will be sent to the client’s mobile phone number at each login. The use of code cards that were previously issued to customers will be possible before the development of their resource.

Once in your personal online banking account Belarusbank, you can perform many banking operations:

• Pay utility bills;
• To order ;
• Transfer from card to card;
• Replenish deposit;
• To pay mobile connection;
• Apply for a loan;
• Manage your own bank cards (view balance, transfer from card to card, top up card);
• Make various payment transactions in the "Settlement" (ERIP) system;
• Get news from banks;
• Receive information about offers and various promotions of Belarusbank;
• Hold international money transfers Western Union.

In your personal account you can make various settings and display on the main page the data you need (cards, deposits, loans). In the absence of any actions in your account for a certain time, the session ends. To re-enter the Internet banking system, you need to re-enter your login and password, after which a message with a new SMS code will be sent to the mobile phone number (if you select the "One-time SMS code" mode).

In general, it should be said that Belarusbank's Internet banking system is a modern payment service, thanks to which it is possible to remotely carry out a wide range of payment transactions using your own bank card or several bank cards. How to make the first login with a password change is described in detail in the following video.

Internet banking can be connected with a passport in any branch of Belarusbank ASB OJSC. You can find the bank branch closest to you at this link.

Additionally, there is the opportunity to connect online banking online. To do this, click on the online registration tab (indicated on the image):

1. Name of client.
2. Date of Birth.
3. Citizenship.
4. Type of identity document.
5. Identification (personal) number.
6. Passport ID.

After that, you need to enter your bank card data (in the future, 2 BYN will be charged from it for connecting to the Internet banking system). Next, you must specify your address (residence) to which the card will be delivered session codes. And at the end of registration, the user creates his own username, password, as well as a secret password. In no case should this information be transmitted to unauthorized persons!

A detailed video tutorial on how to connect (register) Internet banking is shown in the following video:

Entrance to the personal account of Belarusbank can also be done using the ISI (interbank identification system).

On the ISI authentication page, you must enter the login (mobile phone number or email address) and password. In case of initial entry into Internet banking using ISI, it is necessary to register.

On the registration page you should indicate your own last name, first name, personal number of the passport, and also specify the login (mobile phone number or email address) and password.

For beginning users of the Internet banking system, a video on paying utility bills will be useful.

Since February 2019, the function for changing the password has been added to the main page of the Internet Banking system. You can use this service by clicking on the "Forgot your password?" Link. In parallel, when changing the password using this link, the account is unlocked.

Also for its customers Belarusbank offers a more simplified version of Internet banking in the form of "M-banking", which works on mobile devices.

M-banking is a mobile service that allows holders of Belarusbank cards, as well as cards of other banks of the Republic of Belarus, to make many payment transactions using a mobile phone without using security codes. The user of "M-banking" himself chooses a method of data transfer, which can be done by sending SMS-messages, or using WAP / GPRS / CSD technologies.

If the use of Internet banking is free, then a monthly fee will be charged for using M-banking, according to the data of tariff plans:

To install "M-banking" you need to download the appropriate application and follow the following instructions:

• for Apple mobile devices (iPhone, iPad);
• for mobile devices with Android OS;
• for mobile devices running Windows Phone.

After installing this application, the user independently sets the way to enter M-banking. For example, a client can refuse to enter a certain method (fingerprint or PIN) and log in using an access key that includes from 5 to 15 alphanumeric characters (password for entering the application that was originally created by the user).

If necessary, you can commit login to Belarusbank Internet banking system (Belarusbank internet banking). If you still have any questions about the operation of these services, you should seek advice by phone: 147 (short number) or +375 17 218 84 31.

Contact Center Mode:

• monday-Friday from 8:30 to 20:00 *;
• saturday-Sunday from 9:00 to 16:00 *.

* except holidays.

It is also possible to ask a question about the work of Internet banking or “M-banking” in the official groups of Belarusbank.

The service allows Belinvestbank OJSC cardholders to conduct many operations through the Internet:

Access to Belinvestbank’s banking can be provided by a client who has a card issued by this bank, provided that Belinvestbank has a valid phone number. It is required to register in the Belinvestbank Internet banking system - at ibank.belinvestbank.by. Read the contract (public offer) and express consent or disagreement with it. Registration will continue if the user has accepted the offer.

You must enter a username and password. Then set personal preferences: select an avatar image, enter an email address (a session key can be sent to it).

After you have to enter the password twice (an indicator of its complexity is displayed).

When registration is complete, you need to activate.

When entering your personal account, enter your username, password, numbers from the picture, session key. The latter usually comes in a mobile message. You can get the key by e-mail, however, 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 utility bills

A personal Internet bank allows you to pay about 50 thousand different services at any time of the day, including utility bills. To do this, use the "Calculation" system (ERIP). After choosing a city (region), click on the link “Utility payments”. A list of available payment operations will appear: rent, gas, electricity, heat supply, water utilities, ZhSK, ZhSPK, etc. (the lists vary depending on the region). By clicking on the desired link, the user enters the details (subscriber account number, meter readings) and make a payment. Next time, this data will not need to be re-entered - almost everything will be displayed automatically.

If you want to pay for a service that is not in the initial menu, you can use the search in the "Settlement" (ERIP) system: 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, which displays those that are carried out often and regularly. Just click on the link - a window will appear where all the details and payment data will be substituted, except for meter readings.

Significantly saves time auto-payment services of mobile operators (while MTS is available). It can be configured in the "Cards" menu by clicking on the green "Auto Payment" button.

To instantly receive a statement on a payment card, you need to select a card in the list of available cards, and then click the "Card statement" button. It can be saved in several formats (pdf, vsv).

SMS notification (connected via the “Maps” menu) - paid service. It assumes that after a payment by credit card is made, a message with a brief report will be sent to the mobile phone.

SMS banking is also available - it is connected at either the information kiosk.

Mobile version of Belinvestbank Internet banking

Through it, you will not be able to register in banking, apply for a card, activate the first card. However, basic functions regarding payments are available.

To enter personal banking from an iOS or Android device, it is best to use Safari, Chrome browsers; functionality is somewhat limited when entering through Opera Mini. If you can’t open the mobile version, the system will display the full one. You can also connect to it manually (using the appropriate link on the login page).

Banking system security

The basic principles are covered in the contract for remote services, which the user accepts during registration.

You can enter banking from a computer or mobile device on which a reliable antivirus program with up-to-date databases is installed.

The secure HTTPS protocol is used (SSL encryption is in progress). It is advisable to check the security certificate: 2 times click on the image of the lock in the browser. A window appears with information about the certificate (it should be indicated that it has been issued to Belinvestbank for the ibank.belinvestbank.by website).

If you notice an error in the text, please select it and press Ctrl + Enter

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 to date: the opportunity to make financial transactions through Internet banking has been implemented, a mobile application has been developed. Through a personal account, operations are carried out such as payment of payments, transfer of funds from card to card or account, card blocking, etc.

check in

To start using the services of the bank, you need to register in your account. For this:
1. Open the official website https://belinvestbank.by/.

2. In the upper right corner, click "Register".

3. Select for whom the office is being created: an individual or a legal entity.

4. The registration process begins in 6 steps. In the first, you need to familiarize yourself with the terms of the contract and confirm your agreement with them.

5. Similarly, read and agree to 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 the figure):

9. Registration is completed, your personal account will open:

Through the application

Likewise, registration occurs through the mobile application.
1.Download the application:

• for Android, go to: https://play.google.com/store/apps/details?id\u003dby.belinvestbank;
• for iOS: https://itunes.apple.com/by/app/belinvestbank/id1019177464?mt\u003d8

2. When starting, a login window will appear, click on the word “registration”.

3. In a new window, enter a name, mail address, create a password.

4. Agree or decline PUSH notifications:

5. Registration is completed. Using the username and password, you can log in to Belinvestbank's personal account through any of the resources.

Card activation

To start using the services of a bank, you need to activate a bank card or order a new one. You can do this with home page at startup.

1. Select the “Card Activation” button;
2. Check out the submitted documents, put a mark on the agreement with them;
3. In the SMS message (the number you specified during registration), a confirmation code will come, enter it in the required field;
4. In the "Update Map List" window, enter passport and card details.

If everything went right, then yours will appear in the list of cards.

Among the many bank cards presented "Motznaya card" or, as it is also called, "Power card." The cardholder automatically becomes a member of the loyalty program in force in Belarus. For purchases in the 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 logo of the loyalty program.

The discount amount is assigned by the store. Companies participating in bonus programmust have (at the checkout, store door) the “Motzka card” badge:

The card is accepted at more than 4000 points throughout the Republic. When paying in such stores with a card in your account on the Bestcard website, bonuses are accumulated, which can be exchanged for discounts, coupons, participation in games and sweepstakes from partners. Up to 1% of purchases are transferred to a charity fund (at the expense of the participating company).

Opportunities

When the card is activated, you will have the opportunity to use all the features of Internet banking:

• Pay bills, communications, fines, loans, make money transfers;
• View information on account status, exchange rates, unsecured loans;
• Replenish deposits at Belinvestbank OJSC;
• Connect additional services: auto payments, SMS notification, etc .;
• Set limits on the card;
• Block cards;
• Find out the location of ATMs, bank offices on the map, as well as their modes of operation.

Contacts

You can seek advice from Belinvest Bank by calling short number 146 or +375172390239. The central office operates from 8-30 to 17-30. Send suggestions and wishes by e-mail: [email protected].

The ability to make financial transactions online makes life very easy and saves time. Belinvestbank Internet banking has proven itself reliable, convenient, easy to manage. Choose a card that suits your needs, order it on the website, activate and enjoy the convenience of an online bank.