If it is necessary to cancel an erroneous or incorrectly displayed personal account of the Express Payments service, it provides the function of canceling the invoice.
Cancellation of invoices issued in the ERIP system is possible only for invoices in the "Awaiting payment" status.
Cancellation of accounts is carried out either through a call to a special API function, or in your personal account. In the personal account of the service, if the account can be canceled, the "Cancel" button is displayed (see Figure 1), which cancels the invoice issued in the ERIP system.
Figure 1 - The button for canceling the account
Cancellation of payments in ERIP
If it is necessary to cancel an erroneous payment, the ERIP "Calculation" system provides a payment cancellation function.
Cancellation (cancellation) of payments is available for all service providers, except for those organizations that provide their services to customers directly on the payment date. For example, online stores, online services, organizations that sell goods / provide services immediately after the payment is made by the payer, etc. For these organizations, the cancellation of the payment is prohibited.
When allowing the cancellation of the payment when connecting to the ERIP, in the service questionnaire, in the field "Allowing the payer to cancel the payment", the option "allow before the bank transfers funds" will be marked. In this case, it is possible for the payer to reverse the payment during the settlement banking day. To do this, the payer needs to contact the bank where the payment was made or the bank that issued the bank card, if the payment was made using Internet banking, an info kiosk, etc. requesting a cancellation of payment.
If the payment is canceled by the payer - in the personal account of the service, on the Payments page, in the Amount column, the inscription “canceled” and the date of payment cancellation will appear (see Figure 2).
Figure 2 - Example of a canceled payment
If the cancellation of the payment is prohibited when connecting to the ERIP, in the service questionnaire, the option “deny” will be marked in the field “Allowing the payer to cancel the payment”. In this case, the payment cancellation function is not available. In this case, the return is carried out independently by the manufacturer of services (goods).
Cancellation of payments accepted by bank cards is carried out either by calling a special API function or in your personal account. In the personal account of the service, if the payment can be canceled, the "Cancel" button is displayed (see Figure 3), which returns the funds to the client's bank card. Cancellation of payments by bank cards is possible on the current banking day. A canceled payment is marked as canceled in the system.
Figure 3 - Cancellation of payment
Experience is what allows a person, after making a mistake, to say, "I knew it!" The heroine of this plot did not immediately understand what mistake she made. And he still doesn't know how to get his money back.
At the beginning of the 9th century, after the introduction of paper money, a system of so-called flying money was invented in China. They took an ordinary sheet of paper on which the terms of the deal were negotiated.
This is how cashless payments appeared. And today the opportunity to pay for utilities without leaving home greatly simplifies the life of a modern person. So, up to a certain point, Irina Smolskaya believed.
In November, I paid for utilities through Internet banking, through the ERIP system, at home, at the computer. I also listed the second month. And in the third month, when I received the rations, it became clear to me that the ERIP system did not receive money, but it was not clear to which address I sent them and I had already 2 months in arrears for the rent.
Soon Irina was convinced by her own example: the technology of payment via the Internet is still far from perfect.
Indeed, in the event of an erroneous payment, a person will have to make a lot of efforts in order to get his money back.
If a person made a wrong payment, if he realized on the same day what he had done and decided that he needed to return his money, he may have time to contact the bank. They can return the money that was incorrectly transferred on the same day. If there is no such technical possibility, or the person applied, some time after the payment was made, then he will need to contact the organization where he made the payment.
This is exactly what our heroine did, but the efforts led to an undesirable, but surprising result.
I had to go to the clearing and information center, then I had to go to the bank, take all payment statements, and it turned out that I paid to some LLC« Gio», which also deals with utility bills. That is, at their expense. Then it abruptly disappeared« Gio» from the ERIP system, and they were gone after 2 months, when I decided to find, after all, what it is. There was no trace of them. On the site I found the only mobile phone, called, answered a not very polite man. I still communicate with him. Rather, he no longer makes contact.
Knowing my mobile phone, he no longer picks up the phone.
ERIP staff helped to clarify the story. As it turned out, the organization "Gio" is engaged in the provision of offices for rent.
Oleg Chumakov, ERIP press service:
Before an organization becomes part of the ERIP, it is always tested. In particular, the check is expressed in whether the company really works, whether it is in the USR. In principle, there is information about it in official state resources that contain such information. And if she has any problems.
In the ERIP system, through which Irina made a payment, this company has been registered since 2015.
This allows entrepreneurs renting offices from Gio to pay their rent via Internet banking.
Only one thing is not clear. Why was the request of Irina Smolskaya to return her erroneously transferred money to the director of the organization aggressively? After such a meaningful conversation, Irina finally losing her patience, but not hoping for a return of hard-earned money, went to the lawyers.
Olga Ivaschenko, lawyer:
In the event that the consumer sent an application with a request for the return of the erroneously paid funds and no response is received, or the legal entity is not located at the address indicated, the consumer is recommended to contact: first, to the tax office, as well as to the registering authority that registered this legal entity ...
As it turned out later, Irina is not alone in her trouble. Today, there is no firm at the legal address, and its managers are wanted by employees of the tax inspection and bailiffs. The ERIP security personnel also took an interest in the company. Verification is currently underway.
I sent a letter to their address with a return notification, where I wrote a statement to return my money, which was mistakenly deposited into the account of this "Gio" due to my inattention. Perhaps because for the first time I decided to make such a payment through Internet banking. But, nevertheless, I am offended by the fact that the money went officially, through the official bank, through the ERIP system, this man, the director of the company, whether he is a director, I don’t know, behaves extremely uncivilized, dishonorable.
Comrade, return the money!
And here, probably, it is worth remembering the general law of physics, that if it has decreased somewhere, then it means that it will arrive somewhere. Undoubtedly, in this story, Irina gained more life experience, and the director of the "Gio" organization - problems.
At the end of the plot, I will note the following: from time to time it is necessary to make mistakes. Otherwise, the skills to correct them will be forgotten. I hope that the skills gained as a result of the mistake will help our heroine in her future life.
Most holders of plastic cards use them solely in order to simply get cash. This is not surprising: any technical innovation is perceived with difficulty. Especially if you are already over ... and for most of your life you received your salary in the cash register window, and you are used to keeping money at home "under the skirting board", and not in a bank. In this case, it is really quite difficult to switch to plastic cards. Those who are younger use the "plastic wallet" with pleasure, because it is convenient and profitable. However, there are also nuances - not all are "at odds" with technology. Plus forgetfulness, and sometimes a somewhat careless attitude to an electronic document. Cards are often lost or left at ATMs. Today we will tell you about some common misunderstandings and teach you how to behave in each case.
Calculated
Surely it is difficult to find a person who does not have a refrigerator, TV or at least a radio at home. But is anyone ready to guarantee that the equipment works flawlessly? You need to treat the ATM just as condescendingly. There are technical failures and they are inevitable, although they occur very rarely. By the way, the working capacity of "electronic cashiers" in our country is five percentage points higher than the generally accepted international threshold. Anatoly Bogovik, director of the settlement center for plastic cards of JSC ASB Belarusbank (by the way, he runs 800 out of 1.771 ATMs in the country) claims that 97 percent of the time ATMs are in good working order and perform on average up to 16 thousand transactions per month. And yet, shortages or surpluses of banknotes in the cassettes of the "calculating machine" do happen. So what to do if, due to the curtain, the amount is less than ordered?
Contact the branch of the issuing bank that issued the card to you, advises Anatoly Bogovik, and write a statement indicating all the circumstances of the incident: where, when and how the operation was performed. For example, the requested amount was 100 thousand rubles, and I received 90 thousand.
It turns out that it is not difficult to check whether the ATM is to blame for the shortfall. The "electronic cashier" is connected to a special system that allows you to trace every action of the client, including the fact that money was issued: which bills and from which cassettes were collected. And if the car really miscalculated, then after the collection and investigation, the lost money will be returned back to the card account. Approximately in 3 - 10 days, depending on the ATM collection period. Moreover, the money will be returned even if you yourself did not notice the shortage and did not write any statement. This also happens.
Easy movement ... zeros
An info kiosk is a convenient thing. It saves us from having to stand in queues that line up in banks closer to the 25th day of each month - the deadline for paying utility bills. But ... Recently, a reader turned to "SB" and complained that instead of 140 thousand rubles, the kiosk deducted a tenfold amount from the card and in an instant left her family without a livelihood. How to be?
Are you sure this is an infokiosk error? Then you need to demand a refund at the bank. If the vending machine wrote off the excess due to your fault, then we recommend, without wasting time, to go straight to the settlement and reference center at the place of residence and write a statement that you had no intention to pay utility bills for 10 months in advance and ask for the surplus to be returned. “Not a single such statement,” Gennady Gornostaev, director of the Center for Informatization and Automation of Calculations, assured me, “does not lie without a resolution for more than several days. We check the stated facts and send the money back to where it came from ”. That is, back to the card account.
Learn the numbers!
Very often the owners of plastic cards forget their PIN-code. Just in case, we remind you: you can only make a mistake in a set of code digits three times. After that, the ATM will return the card, but with a blocked account. As a matter of fact, there is no big trouble in this. The banks' service department works around the clock, and its phone number is by all means indicated on the ATM. You can, as they say, without leaving the cash register, call, name the card number and the special password specified in the application form when drawing up an agreement with the bank (for Belarusbank clients, this is, for example, the mother's maiden name). And that's all - the incident can be considered settled, however, with one condition: after activating the card, you need to enter the PIN correctly the first time. Then the counter of incorrect attempts will be reset and ... you can make a mistake three times again.
How the card will fall
It is understandable that there are not many who are familiar with technology, but to such an extent ... In the service department of one of the banks I was told a lot of real unforeseen situations of communication between clients and "electronic cashiers". Youth "trick" - to carry the card in the back pocket of the trousers. We strongly do not recommend it: after a while the magnetic stripe of the card will be damaged, the ATM will not be able to read it and will withdraw it as damaged. We'll have to buy a new one. Bankers do not advise to approach an ATM under a fly. A drunk person's reactions slow down, and the "electronic cashier" takes about 30 seconds for each operation. If during this time you do not press any key, the ATM will keep the card for itself. The same will happen if, having received cash and being carried away by their recounting, the client has forgotten about "plastic". After 30 seconds, the card will disappear into the "belly" of the machine. It is also important to insert the card correctly - the magnetic stripe on the bottom and on the right. Otherwise, the "cold-blooded cashier" can withdraw her as unidentified. Why am I telling all this? To explain the algorithm of action in the event that for some reason the "plastic wallet" remained with the "electronic accountant".
Here you will need the help of the service department. As a rule, banks do not have any regulations on how to quickly respond to such actions of a client. Therefore, you will have to wait from several hours to several days. However, there is no need to be on duty at the ATM. Intellectual equipment will not give the card to anyone except you and the collectors. Having reported the incident to the service center, go to the branch of the issuing bank, write a statement asking to return the "wallet" and you can go about your business. You will be contacted and handed a "loss". However, keep in mind: if the card is damaged, pay to make a new one. In addition, the bank has the right to present you with claims regarding possible damage (for example, to the card reader of an ATM) that occurred through your fault. After all, every client's action, as I said, is recorded.
Whose Money?
If you left your bank card at a store, the first thing to do is return for it. By the way, devices that allow paying by bank transfer are now installed in 6.7 thousand shops and shopping centers. Upon discovering your card, merchants will send it to their servicing bank, which will then pass the find on to a fellow issuer. And he will find the owner. But wherever you "seeded" the card, immediately block the account by calling the bank's round-the-clock service department. Otherwise, it’s like not to be left without money.
It’s unbelievable, but true: not only cards are forgotten at ATMs, but also cash. If they are not taken by the one who came to the ATM after you (which is, in general, rather stupid, an inexperienced "thief" will be calculated quickly and easily), after 30 seconds the money will go back to the "belly" of the calculating machine. And then the algorithm of action is known - we write a statement at the branch of the bank and wait for a refund. The same should be done in the event of a technical failure, when the car is frozen (for example, in abnormal heat or in severe frost) and for some reason did not issue cash.
by the way
Today it is possible to pay for loans and services through information kiosks: utilities, mobile operators, Beltelecom, Internet providers, security guards, power grids, and soon the water utility. JSB Belarusbank is about to sign such an agreement with Minskvodokanal.
Help "SB"
The idea of creating an automatic cash register, or ATM, first came to the head of John Shepard-Barron, the director of an English company of eleven employees. One Saturday afternoon in 1965, being late to withdraw money from the bank, he seriously thought about another method of obtaining cash, independent of the time of day, and assembled an engineering team. Two years later, the first ATM appeared in the UK. In the USSR, miracle machines "emigrated" only in 1989.
1.How to activate the card in the Internet banking / Mobile banking system?
In order to activate the card in the "Internet banking" system or the "Mobile banking" application (hereinafter referred to as the system), the user must go to the "Cards" tab of the system. When activating the first card, the user must enter the mobile phone number connected to the network of the Belarusian mobile operator (Velcom, MTS, life), the digital activation code received on the specified mobile phone number, the full number and validity period of the card, the value of the CVC2 / CVV2 code, indicated on the back of the card. When activating the card, a reconciliation is performed for the presence and correspondence of the entered mobile phone number with the mobile phone number provided by the user to the bank when registering the card.
To activate the second and other user cards, on the "Cards" tab, click on the button or link "Card activation". Further, to activate the main / personalized card on the page that opens, you must use the "Update the list of cards" button, after which an SMS message with the activation code will be sent to your mobile phone. After entering the activation code at the next step, the list of cards will be updated, i.e. new cards will be activated (including corporate cards if the user has them) and expired cards will be deactivated.
When the list of cards is updated, gift cards and additional cards are not activated (additional card in the name of another person to the account owned by the user). To activate an additional or gift card, use the “Activate additional / gift card” functionality.
If the user has the first activated card in the system as an additional (auxiliary) or gift card, the rest of the cards will not be activated. In this case, the user needs to activate the main personalized card and update the list of cards, after which all his personalized cards will be activated. To activate an additional or gift card, the user must click the button "Activate additional / gift card".
If, when updating the list of cards, the user does not activate the existing personalized cards (with not expired validity period), he should contact the bank (provided that the first card activated in the system is not additional or auxiliary).
2.How to display all cards of one user?
To activate all cards belonging to the user in the “Cards” tab, press the “Card Activation” button, and then press the “Refresh Cards List” button.
3.How to activate additional (gift) cards?
To activate an additional or gift card, go to the "Cards" tab and click on the link or the button "Activate additional / gift card" in the format MM / YY, CVC2 / CVV2-code and click on the "Activate card" button. If the fields are filled in correctly, the card will be activated and a corresponding information message will be displayed to the user.
4.How to restore the login in the Internet banking / Mobile banking system?
To restore your login, you need to contact any department of the bank. The client must have an identity document with him (passport of a citizen of the Republic of Belarus, passport of a foreign citizen, residence permit, refugee certificate).
5.How to recover the password in the Internet banking / Mobile banking system?
To recover your password, you must click on the "Forgot your password" button. After filling in the required fields (username, email address, mobile phone number) and clicking the "Login" button, you will be sent a confirmation code to your mobile phone number. After entering the specified confirmation code, you will be sent a temporary password to the email address that was specified during the initial registration in the Internet Banking system or the Mobile Banking application. When you open the form for changing the temporary password in the "Enter the old password" field, you must enter the temporary password that was sent to the email address, and then enter the new password.
6.How to block / unblock a bank payment card?
6.1. In the "Internet banking" system and the "Mobile banking" application (this scheme is not applied in the limited version of the "Internet banking" system and the "Mobile banking" application, ie when authorizing by sending the session key to e-mail)
To block the card, go to the "Cards" tab - select the required card and press the "Block" - "Block the card" button.
To unblock a payment card, go to the "Cards" tab - select the required card and press the "Block" button - "Unblock the card".
These actions must be confirmed by an SMS code that will be sent to the mobile phone number registered in the system.
6.2. Using a USSD request
To block / unblock a card, you need to generate a USSD request of the form:
- blocking of a bank payment card: * 146 * 2 * last 4 digits of the card # call key;
- unblocking a bank payment card: * 146 * 3 * last 4 digits of the card # call key.
6.3. By phone
A bank payment card can be blocked / unblocked by round-the-clock telephone numbers of the reference and information service for the provision of consulting services. Contact Center of OJSC "Belinvestbank" 146, +375 17 239-02-39.
6.4. In a bank branch- when personally contacting the bank with an identity document (passport of a citizen of the Republic of Belarus, passport of a foreign citizen, residence permit, refugee certificate).
7.How to make a payment in the ERIP branch?
ERIP payments are highlighted in a separate branch "ERIP Payments", as well as the most popular ERIP payments, such as mobile communications, landline phones, Internet, are highlighted in the "Popular Payments" branch. Select the required payment in the ERIP counterparties tree by left-clicking on it. After clicking on the button, a page will be displayed containing general information about the counterparty, and the fields that must be filled in. At each step, you must click the "Next" button. In case of successful completion of all the required fields, after entering the payment amount, the button "Pay" will become available. After clicking the "Pay" button, the system will pay for the service, and the page will display a payment card receipt. The payment counterparty can set the minimum or maximum payment amount, which will be reflected in the corresponding information message from the ERIP system.
8.How to make a payment if it is not in the ERIP branch?
If the payment is absent in the ERIP system, then it is possible that it is present in the Popular Payments section, where payments are highlighted with which the bank has agreements with counterparties to accept payments for services. If the payment you need is not in the “Popular payments” branch, you can use the “Custom payment” button, which is located in the “Payments” tab. A list of requisites that must be filled in will be displayed. If the data is filled in incorrectly, messages indicating errors are displayed. If all the necessary details have been successfully filled in, after entering the payment amount, the "Next" button will become available to the user. After clicking on the screen, all payment details and the amount will be displayed. After clicking on the "Pay" button, the system will pay for the service and a payment card will be displayed. The client is responsible for the entered data.
9.How to add a payment to the list of personal payments?
If you add a subscription for ERIP payments, the subscription name is set as "ERIP Payment" and is saved automatically. If invalid characters are used to enter the subscription name, or a subscription with these key fields already exists, the user will be shown a corresponding informational message.
Please note that the ability to save a subscription is set in the counterparty settings of the ERIP system, so not every subscription can be saved.
To add a new subscription for a payment that is not paid through the ERIP system, you must pay for the required counterparty and at the stage of displaying a payment card receipt for the service, tick the box "Add subscription to" My payments "and click the button" Return to payments " ... Then the user will be taken to the "Payments" tab, where he will be asked to enter the name of the subscription being created. To cancel saving the subscription, click the "Cancel" button. To save the subscription, you must click the "Save subscription" button.
10. How can I cancel a payment in the Internet Banking / Mobile Banking system?
It is not possible to cancel an erroneous payment in the Internet Banking system or the Mobile Banking application remotely. To return the money, you need a card check, put a stamp on it in any division of Belinvestbank OJSC, with a card check contact the service provider to whose account the payment was made by mistake.
11.How to recover data on payment for services in ERIP?
To obtain copies of card-checks for paid payments, use the "List of payments" button in the "Internet banking" system or the "Mobile banking" application on the "Payments" tab, or you can contact any bank department for a relevant certificate (the service is paid according to the Bank's Tariffs ).
12.How to change the phone number and e-mail in the Internet banking / Mobile banking system?
If you need to change the mobile phone number with which the cards were activated in the Internet Banking system or the Mobile Banking application and to which the session keys are sent to the client, you must:
in the absence of an old mobile phone number, contact a bank branch. You must have an identity document and a mobile phone with a new number;
if you have an old mobile phone number, change the mobile phone number in the "Internet banking" system or the "Mobile banking" application on the "Settings" tab.
You can change the email address for sending session keys in the Internet Banking system or in the Mobile Banking application on the Settings tab.
13. Which Banks can be used for transfers?
The transfer can be made in the Internet banking system or the Mobile Banking application to bank payment cards of OJSC Belinvestbank, OJSC ASB Belarusbank, OJSC Belagroprombank.
14.How to make a transfer from card to card?
To transfer funds from one payment card to another, select the card from which the transfer will be made on the “Cards” tab and click on the “Transfer to card” button. Then select the transfer currency, enter the payment card number (or select from the drop-down list) to which the funds will be transferred, indicate the transfer amount, enter the text from the picture and press the "Transfer" button. The funds are displayed on the card instantly. For security purposes, transfer transactions for large amounts (over 30,000,000 Belarusian rubles, 1,500 US dollars, 1,500 euros and 100,000 Russian rubles) must be confirmed with an activation code received on a mobile phone number registered in the Internet Banking "Or the" Mobile banking "application. The minimum transfer amounts, depending on the selected currency, are 5,000 BYR, 1 USD, 1 EUR and 30 RUB, respectively.
15.How does currency conversion take place if the card currency differs when transferring funds?
If the transaction currency differs from the account currency, the transfer operation is performed only through Belarusian rubles. When transferring funds by cards, they are debited and credited at the buy / sell rates, respectively, established on the day of the operation. If the foreign currency of the transaction coincides with the currency of the account, the operation of transferring funds from card to card is performed directly without conversion.
16.How to make a transfer from card to account?
To perform the operation of transferring funds from a card to an account in the Internet Banking system or the Mobile Banking application, on the Cards tab, select the card from which you want to transfer funds and click the Transfer to account button. In the opened form "Transfer from card to account", you must select from the drop-down list the account to which you need to transfer funds and enter the amount of the transaction.
Features of transfer from card to account:
Transfer of funds from card to account is carried out within one client.
The money transfer operation is performed in the currency of the account to which the transfer is made.
If the account currency differs from the card account currency, the funds are debited from the card at the foreign currency purchase / sale rate established on the day of the transaction with bank payment cards. If the account currency coincides with the currency of the card account, then the operation of transferring funds from the card to the account is performed directly without conversion.
Funds are credited to the account in real time.
In the case of a transfer of funds in the amount of more than 30,000,000 Belarusian rubles. rubles, 1,500 US dollars, 1,500 euros and 100,000 Russian rubles. rubles, the operation of transferring funds must be confirmed with an activation code received on a mobile phone number that was registered in the Internet Banking system or the Mobile Banking application.
The minimum transfer amounts, depending on the selected currency, are 5,000 BYR, 1 USD, 1 EUR and 30 RUB, respectively.
17.How to make a transfer from account to card?
To perform the operation of transferring funds from current (settlement) and deposit accounts in the Internet Banking system or the Mobile Banking application, on the Accounts and Deposits tab, you must select the account from which you want to transfer funds and click the button Transfer to the card ". In the form that opens, you must select from the drop-down list the card to which you want to transfer funds, or enter the card number manually and enter the amount of the transaction.
Features of transfer from account to card.
Transfer of funds from current (settlement) and deposit accounts of individuals to bank payment cards is carried out within the framework of one and different clients of Belinvestbank, as well as to cards of JSC ASB Belarusbank, JSC Belagroprombank;
Transfer of funds is carried out only from current (settlement) accounts and accounts for accounting of deposits (deposits). From current (settlement) accounts, access to which is provided using cards, the transfer is not carried out;
A money transfer operation is performed in the currency of the account from which the transfer is made. If the currency of the account differs from the currency of the card, then the funds are credited to the card at the sale rate established on the day of the operation;
The withdrawal of the amount of funds from the account, as well as the crediting of funds to the client's card are carried out online;
18.How to connect the services "Access abroad", "Access to the Internet" to a bank payment card
To carry out transactions on the Internet, you must: open access for settlements abroad (for making payments for goods / services on foreign sites) and access for settlements on the Internet, as well as activate the 3-D Secure service. Services are activated in the Internet banking system or the Mobile Banking application for cards of international payment systems Visa International and MasterCard International, for BELKART-Premium Mastro cards, and are provided free of charge.
18.1. Connection procedure for the Internet payment option card:
In the "Internet banking" system or the "Mobile banking" application on the "Cards" tab, select the required card.
Move the Internet Operations slider to the right. A window for setting individual limits will open.
Before setting the limit "Permitted transactions in the Internet", it is necessary to activate the 3-D Secure service for the card by clicking on the button "3-D Secure service" (if the 3-D Secure service was not connected for this card earlier).
After successfully connecting to the 3-D Secure service, you must check the box "Allowed operations on the Internet".
Press the "Install" button.
18.2. How to activate the "Access Abroad" service?
The procedure for connecting the service "Access Abroad".
On the “Cards” tab, select the required card, move the “Operations abroad” slider to the right.
In the window that opens, set the "Operations abroad" option, select "save with the activation of the sms-notification service" or "save without the activation of the sms-notification service".
19.Recovery of data in the Internet banking / Mobile banking system.
The data for the "Internet banking" system or the "Mobile banking" application can be restored only if the card is already activated in the "Internet banking" system or the "Mobile banking" application.
20. How to delete an account in the Internet Banking / Mobile Banking system?
You can delete your account in the "Internet banking" system or the "Mobile banking" application yourself in the "Internet banking" system in the "Settings" - "Delete account" section, or you can contact the Bank branch. You must have an identity document with you (passport of a citizen of the Republic of Belarus, passport of a foreign citizen, residence permit, refugee certificate).
21. How to get a card statement?
To view the statement of card transactions, go to the "Cards" tab in the "Internet banking" system or the "Mobile banking" application, select the card you need and click on the "Statement" button. The user will be shown general information about the card balance and a list of operations on the selected card for the last month. It is possible to change the period of displayed transactions by changing the values of the "Date from" and "Date to" fields, but subject to the condition that the card statement is available only for the last 90 days.
22. How do I get an account statement?
To view an account statement, go to the "Accounts and Deposits" tab in the "Internet Banking" system or the "Mobile Banking" application, click on the "Statement" icon in the required account column. After that, the user will be provided with general information on the account, information on transactions and balances for the dates. To change the period, you need to change the values of the dates in the fields "account transactions from" and "to" and click on the "Receive" button. By default, the account statement is displayed for the last three months. The receipt of an account statement is possible no more than 90 days in advance in any requested period.
23. How to activate a profile in the Internet banking / Mobile banking system?
To activate the questionnaire in the Internet Banking system or the Mobile Banking application, at least one main personalized bank payment card must be activated in the system. To activate the questionnaire, go to the "Settings / Registration data" tab. Next, you need to select "Resident" or "Non-resident" (depending on which identity document the user has). In the "Personal number" field, you must enter the identification number in your passport using large Latin letters and numbers. For non-resident users, it is necessary to indicate the passport number.
24.How to replace the card in the Internet banking / Mobile banking system?
To apply for a replacement card, go to the "Cards" tab in the "Internet Banking" system or in the "Mobile Banking" application, press the "Replace" button in the line of the required card. Then you should indicate the reason for replacing the card, select the card product to replace and select the bank branch to receive the card. After entering the required data and clicking the "Replace" button, the user will be shown a summary of information based on the previously entered data. To send an application to the bank, you must confirm the entered data and the conditions for replacing the card. In case of successful submission of an application for a replacement card, the user will be shown a corresponding message on the screen.
When your card is made, an SMS message about the readiness of the card will be sent to the mobile phone number indicated in your profile.
25.How to renew the card in the Internet banking / Mobile banking system?
The "Extend" link will be available for cards that have no more than one month until their expiration date and that are not in the stop list at the initiative of the bank.
To submit an application, you must go to the "Cards" tab in the "Internet banking" system or in the "Mobile banking" application, in the line of the required card, click the "Extend" link. Then you should select a card product and a bank branch to receive the card. After entering the necessary data and clicking the "Renew" button, the user will be shown a summary information based on the previously entered data. To send an application to the bank, you must confirm the entered data and the conditions for extending the card. If the application for card renewal is successfully sent, the user will be shown a corresponding message. When your card is made, an SMS message about the readiness of the card will be sent to the mobile phone number indicated in your questionnaire.
26. How long does it take to issue a bank payment card?
Bank payment cards are issued within 2 to 10 business days. The Bank provides the service "Urgent card production". The cost of the service is 100,000 Belarusian rubles. According to the urgent tariff, the bank payment card will be produced within 2 working days.
When your card is made, an SMS message about readiness will be sent to the mobile phone number indicated in your profile.
27. How to get a card check?
In the "Internet banking" system and the "Mobile banking" application, it is possible to view the history of payments and save card checks in PDF format. To do this, go to the "Payments" tab and follow the link "List of payments". In a new window you will see all payments for the last month. Receipt of a list of payments is possible no more than 90 days in advance in any requested period. After clicking the "Save as PDF" link in a new window, the user will see a PDF document with the history of payments, which can be saved by the user. It is also possible to view the card-check for each payment by clicking on the "Receive check" icon next to each personal subscription and then either save it in PDF format.
28. How can I restore the list of payments?
It is possible to restore saved payments in the personal account of the ERIP system by selecting on the "Payments" / "ID in the ERIP" tab and entering the payer's identification number in the ERIP system in the "ERIP ID" field (personal number of the payer, which can be seen in any card check on payment of non-cash payments through the ERIP system), then press the button "Show saved payments". You will be shown all subscriptions associated with this ID. Next, click the "Save as subscription" button.
29. How do I get the session key?
If the user is abroad and there is no possibility of receiving the session key to the mobile phone (roaming is not connected), then you can choose to receive the session key to the e-mail address. In this case, you can use a limited version of the Internet Banking system and the Mobile Banking application. In this version, the restrictions apply to the following points:
- access to the section "Accounts and Deposits" is prohibited;
- denied access to the "Settings" section;
- it is forbidden to update the list of maps;
- deactivation of cards is prohibited;
- Expenditure transactions on the card are limited (non-cash payments + transfers from card, from card to account within one client) for a total amount of 5,000,000 Belarusian rubles per day.
Cashless settlements are carried out by individuals and legal entities in a variety of ways - by contacting payment a document to the bank, using the Internet banking service or the "Client-Bank" system. In any of these cases, it may be necessary to revoke the payment, for example, to correct erroneously specified details or incorrect crediting.
Instructions
If you are an individual, with a Sberbank receipt for payment, contact the branch where the payment was made with an application addressed to its manager. In a statement that
in free form, indicate the date of payment, the details of the transfer and the amount, ask to withdraw the payment. Do not forget to include a copy of the receipt with your application. You will have to pay for the return operation, the commission is 50 rubles. Usually, the return transaction does not take more than 3-4 days.
If you carry out transactions on your account opened in any bank through the connected Internet banking service, consult with a specialist of the round-the-clock support service of your bank beforehand if they will be able to provide an option to revoke a payment. It depends on the status of the sent payment at the time of the request.
Each bank may have its own rules, but if the payment has already received the status "processed", most likely, you still have to pay a fee for the refund. It will be possible for free
Having the status "sent", it means that its processing has not started yet. You will be required to enter a verification code before the Revoke button is activated. After clicking it, the payment status will change to "new" and you can edit it or completely delete it.
When working in the "Client-Bank" system, which is used by many companies to communicate with their bank, after the decision to revoke the payment has been made, you need to call your servicing bank and contact the operator. Name your organization, the number of the payment order and its amount.
Further actions depend on the software that supports the "Client-Bank" system. In any case, you will need to confirm the review in writing. Send a letter to the bank with the subject line indicating: "Payment revocation No. ... from ...". In the letter itself, state the request to withdraw the payment and indicate the reason why it should be done. Save the letter, go through the synchronization procedure, after which it will be sent to the bank and moved to the appropriate folder.
From a legal point of view, a complaint is a way to protect and restore the rights and legitimate interests of citizens from violations by the court by way of verification by a higher court. In judicial practice, there are often cases when it becomes necessary to revoke complaint.
Instructions
Right to withdraw
has any
The complaint is returned at the request of the citizen who submitted it. If you need to revoke
Then you should consider the following: Feedback
exclusively in writing. Refusal is unconditional and irrevocable. It is accepted by the court without fail and its additional verification is not carried out. The court accepts and satisfies the withdrawal of the complaint in the event that the decision of the court of first instance was not previously appealed by others
Revoke
a citizen has the right to consider the case at any time until a final court decision is made.
For registration
You need
and correctly draw up a statement. Jurisprudence does not tolerate unnecessary words and extraneous phrases that are not directly related to the case.
It is worth seeking advice from a specialist who will assist in drawing up an application to withdraw the complaint. Only professional
with experience, it is possible to decide what evidence should be used to strengthen the position of the recall and what legislative tricks can be used in court.
You can send this statement by mail or take it to the court office yourself.
Services of specialists, etc.). You should also
That the withdrawal of a complaint or protest is tantamount to their non-filing. Therefore, you have every right not to explain to the court the reason for your revocation.
Sources:
- how to revoke a transfer
How to withdraw a payment
Sberbank gives its customers the opportunity to correct an erroneous payment. This can be done with the help of a bank employee or remotely through the Sberbank Online Internet banking system. The article describes how to cancel a transaction online, how to return money to the card if there are inaccuracies in the details, and whether it is possible to return money stolen by fraudsters.
Ways to get the transferred money back
Methods for returning funds that have already been transferred to the recipient:
- By phone.
- In person at the bank.
- Through internet banking.
In any case, you need to have on hand a receipt for payment for the service. Usually, such an erroneous payment can be successfully revoked.
Why users are refunding their payments:
- there was a mistake in the details. Inaccuracy in the amount of the transfer, the name of the recipient;
- the transaction for which a deposit has already been paid has been canceled. Such an advance can be returned;
- the scammers debited the amount from the account. The money can be returned to the card if the operation is canceled in time.
If you made a mistake in the details, the payment "hangs" on the special reserve account of Sberbank. The payment could not be processed because there is no recipient with such data. The money will be returned to the sender automatically after 10 days.
If you specified the details with an error, but such an account / card number is real, then the money will be transferred from your account to someone else's. In this case, you need to prove your case. First, make a written statement at the bank. If you cannot get the money back peacefully, sue.
How to cancel a payment by phone
To revoke a payment over the phone, call the Sberbank advisory line. Dial 8 800 555 55 50. Ask the operator to cancel / block the payment. The order of work in the bank is such that many operations are checked by employees in order to exclude the actions of fraudsters. If the transaction is blocked on time at the request of the client, the money will not be debited.
To verify your identity, the call center manager will ask security questions. It is impossible to predict what the question will be. An approximate list of checks: name the code word, date of birth, passport data, name the date and amount of the last transactions on the card.
If the funds were debited by fraudsters, try to contact the bank within 24 hours from the date of debiting. It is also advisable to record the appeal to the police.
If the money was written off by mistake due to your mistake, try to remember as accurately as possible the date of the transaction, time, amount. The problem will be solved faster if you have a check from an ATM / terminal or a receipt from a cash register. This will give you the exact time of the transaction, the transaction code, and other information. To get the funds back, you need to act quickly.
How to return funds in person at the bank
Contact the Sberbank office personally, send an application addressed to the management with a request to cancel the payment. Such appeals are considered within a month.
The manager will tell you what information to indicate in the application, or offer a form to fill out. There is a standard application form for a refund of debited funds. If the application is approved, the transfer amount will be returned, the service fee will not be refunded. This option will be successful if the erroneous details do not exist in reality, and the money "hangs" in the bank account.
It may be necessary to solve the problem in court if the bank does not satisfy your request. Be prepared to send a transaction receipt to prove your case. Estimate future costs before starting litigation. Perhaps the amount lost as a result of an incorrect transfer is less than the legal costs. It makes no sense to take the above steps in this case.
We return money through Internet banking
Detailed instructions on how to withdraw funds through Sberbank Online:
- Log in to Sberbank Online.
- Check the status of the operation you want to cancel. The system offers the option to return a completed payment. The payment can be returned if it is marked with the entry "In Progress". This means that the bank employees have not yet funneled the funds. Therefore, if you notice an error in the details, immediately revoke the payment.
- If the payment is not yet confirmed, click on it. In the window that opens, click on the "Cancel" button, put a check mark next to the "Confirm review" message.
- Wait a few minutes, go to the archive of transactions, find the required payment in the general history. The status should be "Withdrawn" next to the operation. By this action, you cancel the transaction, the funds are returned to your account, the document is not transferred to the bank.
If the payment is marked as completed, you will have to contact the bank or call the hotline. Transactions processed after 9pm are processed the next day after 9am. During this time, you can withdraw funds. During a business day, the payment can also take a long time - from 3 to 6 hours, until the operator verifies the transaction.
The operation is canceled if one of the following marks appears next to it:
- “Rejected by the bank”.
- Aborted.
- "Application has been canceled." Such a mark occurs if the user himself declines the payment.
Is it possible to get a refund if it was debited from your account and sent to a real user? If the wrong details are real and the money is transferred to a third party, you can try to contact this person with a request to voluntarily return the funds.
If you made a mistake in the form of payment and the money has already been debited, it is possible that it was credited to the reserve account of Sberbank of Russia. This happens if the recipient with the specified coordinates does not exist in reality. It is not always possible to return funds automatically. Report this incident to the bank. If the money is not returned and you play for time, the funds may be recognized as the property of the bank, since the payment is not recognized.
How not to make mistakes when making a payment to Sberbank Online
When filling in the requisites, be careful. Check the information especially carefully if you use Internet banking from small screens - smartphones or tablets.
To pay for a product / service through Sberbank Online, you need to confirm the operation using an SMS password. This is one of the levels of protection of the Sberbank Online system. The option makes it possible to reconcile the details before confirming and prevent the actions of fraudsters.
If you received an SMS with a request to confirm the payment, and you did not perform any actions with the card, immediately call the hotline of Sberbank of Russia. Explain the situation to the operator. The employee will block the payment, and possibly the card, until the circumstances are clarified.
Do not share passwords with anyone. Bank employees do not ask for such information.
If you have lost the list with one-time passwords, immediately contact the bank. The employee will cancel the previous combinations and issue a new list.
You can return the money if the payment is transferred within the bank; when filling out the form, the details are automatically pulled up. If there is no autocomplete, conclude that the system did not recognize the addressee. You probably made a mistake and indicated a non-existent recipient of funds. Specify the data, double-check the completed form. Such preventive measures will save you from litigation if the money is written off to the wrong address.
- Category:
