As part of the project, we continue to test remote banking systems for Belarusian banks. We recently received a new one. The service in the office was excellent. And today we will test the Internet bank, we hope that the bank will be able to maintain a high bar in terms of service level :)
Registration and data recovery
Registration in the BTA Bank Internet Bank, as well as data recovery, is a fairly simple process. To get a login and password (and it doesn’t matter if you are registering for the first time, or you just 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 specify personal number passport and incomplete card number.
If you specify everything correctly, then it remains only to come up with a password. The login is set by default.
We confirm the registration by SMS and choose a payment confirmation method that is convenient for us. There can be 2 ways:
If you forget your username and password, then proceed 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 called "Get Balance". Not a very convenient system - when entering the Internet bank, you still want to receive such information immediately, without additional actions.
If you click on the card itself, then you will be redirected to a page where you will find services for blocking and unblocking the card, 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 in this list - "Visit to the Bank".
The bank provides its customers with the 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. First section - "Payments and transfers".
Let's start with "Payments". The ERIP system in the service, and indeed the payment system in general, turned out to be very convenient to use. Payments are divided into folders such as "Popular Payments", "Credits", "Charity Payments" and some others.
You can find a service not only by the payer 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, and also put it on the main page.
I also liked that the system has a service "One button payment". It's very convenient - check the boxes next to any saved payments, and then pay them with one click :)
Automatic payment can be set up in just a minute. You only need to specify the frequency, for example, once a month and the amount.
Transfers are possible both to your own cards and to the cards of other bank customers.
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 checks, but also re-pay for services.
As for the section "Payment cards" Well, not everything is as rosy as I expected...
Under the card, I found several fields for filling out an application, but it turned out that this application was not for any specific card, but only for communication with the bank.
Sectioned "Credits" and "Deposits" the same situation has arisen - a specialist will simply contact you and agree on the provision of services.
The last section is "GAI fines". Here you can check if you have 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 wide opportunities for making payments and transfers. I note convenient and intuitive system management, nice interface. Of the features, I will highlight the ability to track traffic police fines :)
Weakness - no remote clearance cards, deposits and loans.
But, in general, BTA Bank kept its high level of service :)
Test result — 69 points out of 125 possible
| 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 something else is needed) | 2/1 | 2 | |||
| data recovery in case of loss of login and password (without visiting the bank) | 5/0 | 5 | |||
| convenience | is there balance information on the first page | 5/0 | max 47 | 5 | |
| is it possible to display quick payments on the first page | 3/0 | 3 | |||
| quick access to frequently used functions | 2/0 | 0 | |||
| session passwords (sms / cards) | 2 / 0 | 2 | |||
| enabling/disabling 3D Secure | yes/no 5/0 | 5 | |||
| connection / disconnection of SMS - informing | yes/no 5/0 | 0 | |||
| 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 "day to day" mode | 5/0 | 5 | |||
| Possibility to change the PIN code | 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 | |||
| availability of free payment function | 5/0 | 5 | |||
| ability to rename your payments (templates) | 2/0 | 2 | |||
| are there checks | 1/0 | 1 | |||
| you can print/send receipts | 1/0 | 1 | |||
| Can you pay by 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 | ||
| loans | 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 release 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 | X | ||||
| traffic police fines | 2 | ||||
| Feedback | is there a phone number of the bank (yes / no) | 2/0 | max 12 | 2 | |
| online - real-time support, chat (yes/no) | 10/0 | 0 | |||
| personal opinion | general impression | without points | |||
| Maximum Points | 125 | 69 | |||
BTA Bank took care of the possibility of remote self-service for customers long before other banks made bets on it. During this time, the service has acquired many features and has become much easier to use.
BTA Online is a system that is constantly working to improve security. She 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:
With the help of Internet banking of BTA Bank, you can view information about the accumulated funds on the deposit, or find out mandatory payment on credit.
In addition, the system provides an opportunity to get acquainted with the state of funds on the cards, draw up a current account statement and perform other operations:
Transfer from your card or account in favor of third parties has not yet been implemented. In other aspects, the service fully complies with the list of requirements for online banks.
Only customers who have cards issued by BTA Bank can use the service. To register in the system, you will need the number of such a card and the last receipt printed by an ATM.
Logging into the system takes place using an electronic digital signature - this is the security standard for any E-banking.
The procedure takes place according to the following algorithm:
Commission for payment of some communication services is 0.7%. There is also a fee for changing the login or password through a bank branch (100 rubles, excluding VAT).
The same amount is withdrawn if you decide to use the E-banking service again after terminating the contract with the bank, for example.
You will be notified of the amount of the fee (if any) for making other payments before making the selected transaction. There are no fees for using the service.
How to use the remote service system?
Personal Area of a client in BTA Internet banking is built in such a way that the necessary information can always be found in a couple of mouse clicks. Available Options collected in the form of a list, full functionality opens after clicking on the name of the service.
Each financial transaction is confirmed by a four-digit session password. It comes in the form of SMS or comes by e-mail and its validity period is only 20 minutes.
Important point: receiving session passwords via SMS free of charge 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 implemented not too brightly in terms of interface, but its service is functional and safe, it enjoys the well-deserved trust of customers. These facts say more about it than the exquisite design of competing resources.
Application
to the Treaty
on the banking service clients
using the “Internet banking” system
RULES FOR RENDERING SERVICES USING THE SYSTEM
"INTERNET-BANKING" CJSC "BTA BANK"
PURPOSE OF THE SYSTEM AND DEFINITIONS
1.1."Internet banking" CJSC "BTA Bank" (hereinafter - IB) is a service for managing a client's bank card account opened with BTA Bank CJSC via the Internet.
1.2.Bank– Closed Joint Stock Company “BTA Bank”.
1.3. Client- individual, holder of a bank plastic card of BTA Bank CJSC.
1.4. Login- a unique alias of the client in the IS system. The login must consist of uppercase Latin letters and/or numbers from 4 to 12 characters long. The login is assigned to the Client upon registration of the Client in the IB system. The login can be chosen by the Client independently (provided that the specified login does not yet exist with the IB system) or assigned to the Client by the Bank.
1.5. Password- a secret set of characters, which, together with the Login, gives the Client access to the IS website. The Bank sends the primary password to the Client by e-mail to the e-mail address specified in the application within 3 working days from the moment the client submits a correctly completed application. The password can be changed by the client using IS services.
1.6. Session password– used to confirm the user's payment instructions. This password is automatically generated by the system and sent to the user's e-mail box or mobile phone user specified in the application. The session password is valid for one user session in the system.
2. GENERAL REQUIREMENTS FOR WORK IN THE SYSTEM
2.1. Requirements for the Client.
To use the Service, the Client must:
Carefully study the Service Agreement, these Rules, Tariffs for Operations and Services published on the website https:\\www .online .btabank .by;
Have access to the Internet, equipment and software required to work in the System;
Possess the necessary knowledge and skills to set up and use equipment and software to access and navigate the Internet;
Conclude a Service Agreement by submitting a correctly completed and signed application to the Bank's office;
comply with the requirements of these Rules, the Service Agreement, the card account agreement, the Tariffs for Operations and Services.
2.2. Software and hardware requirements
To work in the IS system, the Client will need a computer with a Web browser MS Internet Explorer (version 5.5 and higher), FireFox (version 1.02 and higher), Opera (version 8.5 and higher).
SAFETY
Connection and work with the IS system is carried out through the public Internet, therefore, to protect the channel through which the user's computer connects to the bank's server, a secure data transfer mode is used.
To further secure your banking transactions through the Internet Bank, please follow a few simple rules:
Make sure your computer is free of malware. The activity of viruses and malware is often aimed at transferring confidential information to third parties. Install an anti-virus program and regularly update anti-virus databases;
Do not share information about your password and login with anyone;
Install and use a personal firewall (firewall) on your computer. This will prevent unauthorized access to information on the computer;
If you suspect that someone has information about your login or password, be sure to change your login and password by contacting the Bank;
Never open suspicious files sent to you by e-mail.
REGISTRATION
To gain access to the IB service, the client must be a holder of a banking plastic card Bank and register.
Registration of a client and activation of the IS service is carried out in the following order:
The client applies to the Bank's offices with a passport to fill out an application for connection to the IB service. In a statement to without fail the method of delivery of the session password to the client and the number of the bank plastic card/cards, using which the Client will make payments in IB, are indicated;
The Bank's employee registers the Client in the Bank's system;
The client receives a login to access the system. The Bank sends the primary password to the user by e-mail to the e-mail address specified in the application within 3 working days from the moment the client submits a correctly completed application. The password can be changed by the client using IB services.
WORKING WITH IB
To log in to the System, the client must do the following:
5.1. Using a Web browser, establish a connection to the System website https://www. online. .When a connection is established, a Security Alert message may appear on the screen informing you that a secure connection will be established with the Service site.
5.3. Check on the start page of the System website whether there is a secure connection established between the Client's computer and the Bank, and the authenticity of the Bank's certificate. This check The client must produce by means of the operating system and software used to access and navigate the Internet. The Client can obtain the necessary knowledge for this in specialized literature or using the Help function of the software used.
5.4. If a secure connection has been established between the Client's computer and the Bank using a genuine certificate of the Bank (the result of the check performed in accordance with subparagraph 3 of this paragraph is positive), it is necessary to enter the login and password in the appropriate fields on the start page of the System website, select the link<Далее>, thereby confirming the entered data. If all the data were entered correctly, the Client's personal page in the System should be displayed on the screen in the Web browser window.
5.5. Further actions in the System, the client performs using prompts on the screen.
BLOCKING, UNLOCKING ACCESS TO INTERNET BANKING
6.1. The Bank may block the IB Service without prior notice to the client in the cases provided for in the Agreement.
6.2. The IB Service is unblocked after the reasons that caused the blocking are eliminated.
6.3. If the reasons that caused the blocking of the IB Service due to the fault of the Client are not eliminated more than 90 days from the moment of blocking, the IB Service is automatically closed.
6.4. Blocking by the Client.
6.5. The Client can block access to the IS service using his login by writing an application for blocking at the relevant office of the Bank or by calling the bank office where he made the registration of the service and informing the operator of the code word.
7. CLOSE SERVICE
7.1. Automatically if the IB Service is blocked for more than 90 days.
7.2. The Client may close the IB Service by submitting an application for closing the Service to the Bank.
7.3. The IB service is terminated if the Client stops using the Bank's card products.
