Rules for the provision of services using the Internet banking system of BTA Bank CJSC. BTA Bank - payment cards with the Internet bank service BTA Bank personal account
As part of the project, we continue to test systems remote service Belarusian banks. We recently received a new one. Office service was excellent. And today we will test the Internet bank, we hope that the bank will be able to maintain a high level of service level :)
Data registration and recovery
Registration in the Internet bank of BTA Bank, as well as data recovery, is a fairly simple process. To get a username and password (and it doesn't matter - you are registering for the first time, or, you simply lost your data), you need to follow the link "Registration" which can be found when you log in.
Then this page will open, where you will need to indicate your personal passport number and an incomplete card number.
If you indicate everything correctly, then you just have to come up with a password. Login is set by default.
We confirm the registration by SMS and choose a convenient payment confirmation method for us. There can be 2 ways:
- The first is via SMS authorization. Each time you log into the system, you will receive a message on your phone with a session key, which you need to enter only when you log in.
- The second is the payment password. You will come up with this password yourself, each payment will have to be confirmed by them. In the future, it can be changed in the system settings.
If you forget your username and password, you must act in the same way. The recovery process is, in fact, the same registration :)
Functional
In the center of the main page, I saw the avatar of the new card. To view the balance, you need to click a separate button under the name "Get balance"... Not a very convenient system - when you enter the Internet Bank, you still want to receive such information immediately, without any additional steps.
If you click on the card itself, then you will be taken to the page where you will find card blocking and unblocking services, statements, transaction history and quick transitions to payments.
Let's go back to the main screen ...
Above the card, I found several links that lead to the bank's website, where you can get detailed information on loans, deposits and deposits. But the most interesting thing about this list is "Visit to the bank".
The Bank provides its clients with an opportunity to "book" a visit to the bank. In other words, you specify a convenient time for you, an address - and you can no longer wait in queues :)
At the top of the page we also found many useful links and services ...
Now let's go through the main menu. The first section is "Payments and transfers".
Let's start with "Payments". The ERIP system in the service, and in general - the payment system turned out to be very convenient to use. Payments are delimited into folders such as Popular Payments, Loans, Charity Payments and some others.
You can find a service not only by the payer's number, but also by using an advanced search, for example, by the name of the recipient.
I want to note that after payment, the payment can not only be added to the section "Selected payments", but also send a copy of the check to e-mail, as well as - bring it to the main page.
I also liked that the system has a service "Payment with one button"... It's very convenient - put a checkmark in front of any saved payments, and then pay for them with one click :)
Automatic payment can be set up in just a minute. You just need to indicate the frequency, for example, once a month and the amount.
Transfers are possible both to your own cards and to cards of other clients of the bank.
And the last function of the first section - "Payment history"... It turned out that it is not as simple as it seems. Here you can not only view and download receipts, but also re-pay for services.
Regarding the section "Payment cards", then everything here is not as rosy as I expected ...
Under the card, I found several fields for filling out an application, but it turned out that this is not an application for a specific card, but only for communication with the bank.
With sections "Loans" and "Deposits" the same situation has developed - a specialist will simply contact you and agree on the provision of services.
The last section is "Traffic police fines"... Here you can check if you have any fines, and then even save data about vehicle for the future:)
Personal opinion of the tester
At the first glance, it became clear that BTA Bank offers its users ample opportunities for making payments and transfers. I would like to note the convenient and intuitive control of the system, the pleasant interface. Of the features, I will especially highlight the ability to track traffic fines :)
The weak side is the lack of remote registration of cards, deposits and loans.
But, in general, BTA Bank kept its high level of service level :)
Test result — 69 points out of 125
Evaluation Criteria for Internet Banking | BTA Bank | ||||
connection | ease of connection (availability) online (immediately after registration) | 5/0 | max 12 | 5 | |
authorization mechanism (login or password is enough to enter, or you need something else) | 2/1 | 2 | |||
data recovery in case of loss of username and password (without visiting the bank) | 5/0 | 5 | |||
convenience | is there any balance information on the first page? | 5/0 | max 47 | 5 | |
is it possible to display fast payments on the first page | 3/0 | 3 | |||
quick access to frequently used functions | 2/0 | 0 | |||
session passwords (sms / cards) | 2 / 0 | 2 | |||
connect / disconnect 3D Secure | yes / no 5/0 | 5 | |||
connecting / disconnecting SMS - informing | yes / no 5/0 | 0 | |||
the ability to manage limits | yes / no 5/0 | 0 | |||
is there any information on tariffs and commissions on the card | yes / no 5/0 | 5 | |||
list of card transactions in the "day to day" mode | 5/0 | 5 | |||
the ability to change the PIN | 10/0 | 0 | |||
Functionality | payments | the ability to create an auto payment | 1/0 | max 42 | 1 |
the ability to create a list of your payments (template) | 3/0 | 0 | |||
free payment function | 5/0 | 5 | |||
the ability to rename your payments (templates) | 2/0 | 2 | |||
are there any checks | 1/0 | 1 | |||
you can print / forward checks | 1/0 | 1 | |||
you can make a repeated payment from the check | 2/0 | 2 | |||
translations | to your bank card (without ERIP) | 2/0 | 2 | ||
to the card of any bank in Belarus (without ERIP) | 5/0 | 0 | |||
to map foreign bank | 3/0 | 0 | |||
personal financial manager service | yes / no | 5/0 | 0 | ||
deposits | yes / no | 5/0 | 5 | ||
credits | online application | 1/0 | 0 | ||
online receipt | 5/0 | 0 | |||
loan repayment | 1/0 | 1 | |||
additional features | online application for card reissue | 2/0 | from 12 | 0 | |
online application for an additional card | 2/0 | 0 | |||
search for ATMs and branches (yes / no) | 5/0 | 5 | |||
bank exchange rates | 3/0 | 3 | |||
plus 2 points for each additional opportunity | NS | ||||
Traffic police fines | 2 | ||||
Feedback | is there a bank phone (yes / no) | 2/0 | max 12 | 2 | |
there is online - support in real time, chat (yes / no) | 10/0 | 0 | |||
personal opinion | general impression | no points | |||
Maximum points | 125 | 69 |
BTA Bank took care of the possibility of remote self-service of clients long before other banks made bets on it. During this time, the service has acquired many functions and has become noticeably easier to use.
A few words about the benefits
BTA Online is a system that is constantly working to improve security. She now has a digital signature, user authentication occurs after entering a special code word.
All financial transactions are carried out using a secure data transfer protocol.
But there are other reasons to give preference to BTA24:
- Round-the-clock access to all information of interest.
- The ability to submit electronic applications for the use of the bank's products.
- Transfer of money from card to card, loan repayment and other payments are possible at any time and even at non-working days.
- Efficiency. BTA Online is one of the few systems that instantly carry out all payment transactions.
What's inside? Main features of BTA24
With the help of Internet banking of BTA Bank, you can view information about the accumulated funds on the deposit, or find out obligatory payment on a loan.
In addition, the system provides an opportunity to get acquainted with the state of funds on cards, issue a statement on a current account and perform other operations:
- Put money on a previously opened deposit (even with currency conversion, if required).
- Transfer finances from one of your cards to another, or send them to another client of BTA Bank.
- View the history of your operations for the selected period of time.
- Checkout online application for receipt new card, a loan or to open a deposit account, as well as to book currency or a safe deposit box.
- Pay any fines, taxes and duties, as well as insurance and education.
- Pay off debt on utilities.
- Pay for mobile services, internet, cable TV.
- Buy air tickets.
- Pay for the use of a landline telephone.
Transfer from your card or account in favor of third parties has not yet been implemented. In other respects, the service fully complies with the list of requirements for online banks.
Connection
The service can only be used by customers who have cards issued by BTA bank. To register in the system, you need the number of such a card and the last receipt printed by the ATM.
The system is logged in using an electronic digital signature - this is a security standard for any e-banking.
The procedure follows the following algorithm:
- You need to go to the official website of BTA Bank and find the “Internet Banking” logo on the left.
- If you have already submitted an online application for using the service, then in the appropriate fields you must enter exactly the username and password that you specified in the questionnaire. You will also need a password to the secret key (it is also created when filling out the application).
- If you request a service at a bank branch during the first visit to online banking, the data that you filled in in paper form, and when requesting a secret key, you just need to enter your login in capital letters. That is, if the login is "Admin", then the key is "ADMIN".
- Select the desired operating mode: view or view and control. In the first case, only basic information will be available, and the implementation of financial transactions is blocked.
Tariffs
The commission for paying for some communication services is 0.7%. There is also a fee for changing your login or password through a bank branch (100 rubles, excluding VAT).
The same amount will be withdrawn if you decide to use the e-banking service again after terminating the agreement with the bank, for example.
You will be notified of the amount of the fee (if any) for the remaining payments before making the selected operation. There are no commissions for using the service.
How to use the remote service system?
The client's personal account in BTA Internet banking is built so that the necessary information can always be found in a couple of mouse clicks. The available options are collected in the form of a list, the full functionality opens after clicking on the name of the service.
Each financial transaction confirmed by a four-digit session password. It comes in the form of SMS or arrives by e-mail and its validity period is only 20 minutes.
An important point: receiving session passwords via SMS is free only for the first two months after registration. In the future, the service implies a monthly subscription fee.
On the left side of the personal page there is a field "Correspondence with the bank", where you can get prompt answers to all your questions about working with online banking.
Internet banking of BTA Bank is not very bright in terms of the interface, but its service is functional and safe, it enjoys the well-deserved trust of customers. These facts say more about him than the exquisite design of competing resources.
Department for the development of cash settlement products and deposits p. 2 "BTA-ONLINE" Goals and objectives: Electronic financial portal to provide legal entities- For clients of the Bank electronic banking services via the Internet in real time. List of electronic banking services "BTA-ONLINE" Payments in national and foreign currencies Purchase and sale foreign currency, currency conversion Transfer wages to card or personal accounts of the Client's employees Transfer of mandatory pension contributions in pension funds through the State Center for the Provision of Education Enumeration of mandatory social contributions Accommodation Money on savings (deposit) accounts Tracking the status of payments and monitoring the fulfillment of credit obligations Alert system via e-mail, SMS Provision of electronic statements of the Client's bank accounts, attachments in PDF, Excel formats Automatic delivery of files and reports by e-mail in a secure format.
Department for the development of cash settlement products and deposits p. 3 Advantages of "BTA-ONLINE" Fast "No need to waste time on the way to the Bank, most banking operations now available via the Internet Simple "Simple, intuitive interface and detailed documentation" Integration with 1C-accounting and support for export / import payment documents in MT * (100/102/940) format eliminates the need for double entry of information Convenient "The ability to use banking services from anywhere in the world where there is Internet" The ability to control and promptly manage the accounts of subsidiaries and branches within the framework of trust (head office - branches) "The ability to work with the document in multi-user mode, the accountant in the office forms the document, and the director, being away, authorizes it) Not expensive" Installation, configuration and maintenance - FREE "Payment for providing special electronic USB keys for access to the BTA system -Online - FREE OF CHARGE ”According to the established tariffs Commission for service in the BTA-Online system (per month including VAT) tenge Safe
Department for the development of cash settlement products and deposits p. 4 We were the first among Kazakhstani banks to complete the implementation of the Information Security Management System in accordance with international standard ISO 27001, developed by the British Standards Institute (BSI), for a remote banking system for legal entities. The use of the Electronic Digital Signature (EDS) in the BTA-Online system is legitimate and complies with all necessary requirements Legislation of the Republic of Kazakhstan and the Rules of the National Bank for conducting electronic payments... BTA-Bank together with Doctor Web, a Russian developer of information security tools, offer free services to ensure reliable anti-virus protection of your computers and servers: Dr.Web CureIt! - an indispensable tool for disinfecting computers and servers infected with malicious objects that were not "seen" by antivirus from another manufacturer. Plugins Dr.Web LinkCheker is a tool for on-the-fly anti-virus scanning of Internet pages and files downloaded from the Internet. Emergency recovery disk Dr.Web LiveCD is a tool to "reanimate" Windows or Linux if malicious objects made it impossible to boot the computer. Security of the BTA-ONLINE system
Department for the development of cash settlement products and deposits p. 5 Security of the "BTA-ONLINE" system The legitimacy of the EDS is ensured by: work with registration certificates and EDS issued by the Certification Center of the RSE KCMR of the National Bank, the set of certified hardware and software of which is certified for all four security levels of the standards of the Republic of Kazakhstan (ST RK) cryptographic protection means information, certified organizational procedures, using special USB keys for accessing the system - key carriers Aladdin E-Token Java 72K, certified in accordance with the current standards of the Republic of Kazakhstan, certified in accordance with the current standards of the Republic of Kazakhstan, which excludes the possibility of unauthorized access of intruders to the system without gaining physical access to this device.