How to connect an overdraft at Sberbank: features of the service, conditions and interest. Tested on myself. What has changed in the Internet banking of BPS-Sberbank? Overdraft in bps bank interest rate

Maxim Demchenko

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The Belarusian bank BPS Sberbank offers customers an overdraft service that allows them to use borrowed funds in excess of the amount available on the account. A short-term negative balance is allowed. When money is credited to the card, the debt is automatically repaid. BPS Bank accrues interest for the overdraft on the amount actually used.

BPS Bank issues a plastic payment card to individuals who receive salaries to an open personal account with an open overdraft credit service. At the same time, the available amount varies depending on the term of the full repayment of the loan.

Interest rates on overdraft loans are linked to the data of the National Bank of the Republic of Belarus (NB RB) and change accordingly. From June 27, 2018, the NB refinancing rate is 10% per annum. The monetary unit is only the Belarusian ruble. The installment plan for the resulting debt should not exceed a calendar year.

Basic requirements for the borrower

The minimum requirements for potential overdraft recipients at BPS Bank are:

• age from 18 to 65 years;
• work experience at the last place of work for at least 3 months.

Users can apply for a loan online. At the same time, they need to indicate their personal data (last name and first name), mobile phone for communication and consent to the automatic processing of personal data by the bank.

To get an overdraft it is enough:

• apply online;
• wait for the preliminary approval of the bank;
• come to the nearest branch and apply for a service.

You can use the loan calculator to calculate the amount of the overpayment.

The method of payment (calculation of interest on the balance or payment of debt in equal installments) is chosen by the client independently.

What documents should be provided

To apply for a loan, you must provide originals and copies of the following documents:

1. An identity document of the borrower (for citizens of the Republic of Belarus a valid passport, for foreigners or stateless persons a document on a residence permit in the country is required).
2. For men aged between 18 and 27 years old, a military ID or document of deferment from military draft is required.
3. Certificate of residence or temporary stay in the Republic of Belarus.
4. Certificate of the Federal Social Security Fund form on the state pension accrual for the previous month.
5. Documents confirming the additional income of the applicant (for example, a certificate of the amount of pension payments).

With a credit limit of up to 5,000 Belarusian rubles, an individual needs one guarantor; if the loan amount increases to 10,000, several guarantors are needed.

Drawing up a loan agreement

Internet application

To get advice on drawing up an agreement online, the borrower is recommended to follow the link on the official website of BPS Bank.

Consideration of the application is carried out within 2 days.

In the application, the user must indicate:

• your personal data;
• mobile phone number for the contact;
• convenient time to answer a call from a bank manager.

The consultant contacts the applicant within the specified time. After approval, the borrower is required to go to the nearest branch of the bank, the address and opening hours of which are indicated on the official website. You should bring the required package of documents.

Personal visit to a bank branch

You can apply for an overdraft at BPS Bank during a personal visit:

• present the required documents;
• leave your contact information.

Registration of the loan agreement takes about 10 days.

Customers can find a list of bank branches on the official website.

Application by phone

You can get information of interest by calling:

• by short number 148 or 5-148-148, payment is made in accordance with the tariff of the mobile operator, you can apply for a loan;
• the operator helps to fill out the online questionnaire;
• the client is informed of the required list of documents, which should be presented in person at the bank branch.

Analysis of the client's solvency when applying for up to 100 million Belarusian rubles is performed automatically without the participation of the human factor under the "Credit Factory" program. As a result, the issuance of a positive decision on granting an overdraft loan is accelerated. For owners of payment cards, the result is reported in 2 hours, the rest expect a decision in 2 days.

If the loan amount is limited to 1 million BYN, as well as for holders of salary cards, automatic technology is not applied.

An overdraft loan is called a payday loan that helps solve urgent financial problems. A minimum of documents, the availability of registration, a quick term for obtaining credit funds are the main advantages of a loan from BPS Bank.

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Is an overdraft a useful financial instrument or a way for a bank to get a client hooked on its services and start the consumption of more “heavy” banking products?

“Both useful glucose and heroin can drip from the end of the needle.

Both affect health."

Overdraft, overdraft - how much this word has merged for the buyer, here you have the money that is always lacking, and the belief that the salary will cover the bank loan, and you will not fall for the bank's penalties.

But is it really a useful financial instrument, or is it a bank's way of imperceptibly addicting a client to its services and starting to consume more "heavy" banking products? First, let's understand what an overdraft is and how it works.

What is an overdraft for individuals

Overdraft is a banking product that adds a certain limit of bank funds to your card account (the amount of which is negotiated when concluding an agreement). If you do not have enough money when paying for the goods, then you get access to the funds provided by the bank.

For the use of an overdraft, the bank takes a fee in the form of a percentage of the loan amount. The contract stipulates the period (in most cases, these are the first days of the next month after the use of bank funds) when the principal debt and interest must be repaid. If until this time the principal or interest is not reimbursed, then penalties are applied to the borrower. Basically, this is an increased percentage of the principal debt and of remuneration.

Overdraft types

Unlike a loan, an overdraft has shorter repayment periods: one, two, three, six and 12 months.

According to the limit, it can be fixed - 10 basic units if you work for less than three months, and also if there is no document confirming your average monthly income for three months. A percentage (from 50 to 600%) of the average monthly income can be set. Now it is most accepted by banks to set a limit from 1 to 3 salaries. There are also maximum limits on the amount of the limit, for example, up to €3,000, but you can apply for the maximum limit if you have full confidence in the bank (positive credit history, are a VIP client, etc.).

Security

Guarantors act as collateral: an individual or legal entity (for example, your employer). As well as a penalty, when various kinds of penalties are triggered when the debt on the principal debt or interest is not repaid on time. Late payment of debt establishes a negative imprint on the credit history of the cardholder.

How to get an overdraft

Banks mainly practice placing an overdraft on salary cards, this ensures timely repayment of debts by deducting the required amount from wages. You just need to contact the branch of the banking organization that services your salary card with a request for an overdraft. If you have a long work history and a good credit history, then it is quite possible that bank employees may offer to issue an overdraft to your salary card. It is enough to have a passport and a certificate of the average monthly salary for three months. Usually, the decision to grant an overdraft is made within 2-5 business days. When choosing a limit, the salary, seniority and credit history of the applicant are taken into account. You can also increase the limit over time, but in some banks this service is paid.

How does an overdraft work?

Demyan Petrovich Loshadkin issued an overdraft on his work card, just in case. With his salary of 800 rubles, he was offered a limit of 1,600 rubles. (two of his salaries).

The repayment period is 4 months. Overdraft rate 27% per annum.

Soon he had an opportunity to use the overdraft. Demyan Petrovich decided to buy himself a new mobile phone, worth 1,200 rubles.

Theoretically, repayment of debt within four months would look like this:

Taking an overdraft of 1,600, Demyan Petrovich Loshadkin must repay the principal debt of 1,200 rubles plus interest of 27 rubles.

The main difference between an overdraft and other banking products is that the principal and interest are written off at the expense of wages. Therefore, the amount of principal and interest arrears should not exceed the monthly salary.

The real overdraft repayment table will look like this.

As soon as the employer transfers the salary to Demyan Petrovich's card, his entire debt is extinguished. But at the same time, he remains without a livelihood, since the entire salary has gone to pay off the overdraft and he will again need to take a loan.

At first glance, a very convenient banking product:

1. To receive it, you must have a card account with a bank and provide a minimum of documents;
2. Principal debt and interest debt are written off upon receipt of wages;
3. Interest is charged only on the loan, and not on the entire purchase amount;
4. It is enough to pay the principal and interest for use and you can use the overdraft again;
5. Low interest for the use of the product.

But like any coin, there is also the flip side of the overdraft:

1. Limit amounts are strictly limited, as they are tied to salary;
2. Terms for payment of debts are limited within 1-12 months;
3. Penalties for late debt repayment (delayed wages) can be very “painful”;
4. Gradually getting used to the fact that you have additional funds that you can spend if you do not have enough money does not contribute to saving.

The last point is very important, because instead of refusing an expensive purchase, wisely reasoning that it is better to save money, you use the bank's funds, for which you will have to pay a percentage for use. If the overdraft debt completely covers the salary, then you will have to use the limit again, and so on ad infinitum.

Consider the conditions offered by Belarusian banks for obtaining an overdraft for salary cards.

Bank's name

Annual % rate

Maturity, months

Limit amount

The most advantageous offer for the interest rate and limit is offered by Belagroprombank - 26% per annum.

The most sparing penalties for non-payers are used by Belarusbank - 54% per annum of the total amount for each day of delay.

With a negative balance on the card, almost all banks stop providing services, so it is impossible to go negative. The only thing that can be is a technical minus (for example, if the balance on the card is 0 and the bank has withdrawn money for using the card in advance), in this case no penalties are imposed.

The only bank with a possible negative balance is Belarusbank, penalties for an outstanding loan are seriously tightened: 1 month increased interest on the principal debt of 40.7% per annum + interest on remuneration (0.5 * 27%). The overall percentage is 54%. For the second and subsequent months 54%+(1*27%)=81% per annum.

Not one of the banks takes a commission for cashing out overdraft funds if you withdraw money from an ATM of a bank or a partner bank.

We decided to find out the opinion of overdraft users on this product.

Larisa - sales manager

- Overdraft I have been using for a long time, seven years. I have an Alfa-Bank salary card. I used to be at Priorbank, and when I changed jobs, I changed banks. Previously, there was a limit of five million rubles, now one and a half million. Loan maturity - 12 months. I use overdraft all the time, as soon as the salary on the card ends. I do not feel dependent on an overdraft and I am not going to use other banking products. I don't want to increase the limit. An overdraft has no negative qualities, only positive aspects: money just in case, low interest on the loan.

Ivan - locksmith

- I have been using Priorbank's overdraft facility for many years. How much, I don’t remember, from the moment I got a job at the factory. Always helps out when the money runs out on the card. I don't know anything about penalties. I always pay in advance. Convenient: received a salary, gave it away and you can take it again. I want to increase the limit to 500 rubles. I recently purchased a front fender for a car, so the limit helped out a lot, otherwise there would not be enough money. True, I feel that if I refuse it, I will initially feel uncomfortable, just like when you lose your mobile phone.

The decision to issue an overdraft or not is yours, but you should remember the popular saying:

“You take someone else’s, but you always give your own!”

Sberbank overdraft is available for debit and payroll cards, but sometimes the service can also be connected to a credit card. Any plastic will do: classic, youth, gold and platinum Visa, MasterCard.

Overdraft on a Sberbank card for individuals

Any owner of a debit card can activate the service. To do this, you need to bring a passport, a second document and a certificate of income to the bank office. For salary customers, the bank more often approves overdraft applications. You can also apply for the service on a credit card, but only after confirming all sources of income. An open debit account will increase the chance of approval of the request.

Overdraft limit - 1000-30,000 rubles, but not more than 50% of the borrower's earnings. This amount is set individually, depending on the level of income, credit history and active use of the card. The bank cannot independently increase the limit without the permission of the client. After replenishing the account on the card, the amount of overdraft debt is debited automatically.

Overdraft interest: 18% for a ruble account and 16% for a foreign currency account. If the client exceeds the limit set by Sberbank or does not pay the debt on time, the rate rises to 36% for rubles and 33% for foreign currency cards. Overdraft must be paid within 30 days. The connected service is valid for a year, after which it needs to be issued again. When reconnecting, the bank may set a different limit.

Sberbank Visa card

Many borrowers confuse ordinary credit cards with overdraft cards, but there are several differences between them:

• Overdraft is more often connected to debit cards, which cannot be used for credit.
• The maximum loan amount is much higher than the overdraft limit.
  Overdraft is designed for small loans with quick repayment of the debt, so the application for this service has a high chance of approval.
• Overdraft has a fixed rate of 18%. Interest on a loan is set individually and may be higher.
  You need to repay the overdraft debt within a month, the payment is not divided into several parts.
• The increased late interest is recalculated on the first day of using the overdraft, and not from the day the payment was missed.

Overdraft on BPS-Sberbank cards

The conditions of the BPS overdraft program are approximately the same as in Sberbank of Russia. The maximum overdraft limit is 10,000 Belarusian rubles, the rate is 16.5%. BPS-Sberbank has restrictions on the age of clients - 18-65 years. The bank requires work experience in the last place - from six months.

Why did Sberbank write off an overdraft from the card?

Sometimes a bank removes an overdraft even from cards on which this service is not connected. When replenishing an account, Sberbank writes off funds to pay for the “debt”. This situation is called a technical overdraft and occurs when money is transferred slowly to the card.

The client wants to pay for the goods through the card, but there is not enough money on it. He transfers funds to the card and immediately buys what he wants. But an overdraft works faster than a money transfer. The client unknowingly takes a loan and is unaware of it. At the next replenishment of the account, Sberbank will remove the amount of the debt from the card or send an SMS with a request to pay off the overdraft.

To return unfairly withdrawn money, call the bank's support service and describe the problem.