OJSC "BPS-Sberbank" is one of the largest long-lived banks among those existing in the Republic of Belarus. This is an open institution that regularly provides its financial indicators.

BPS bank, whose deposits for the population always turn out to be the most profitable for growth Money, is the most popular and reliable. The institution has a huge international system connections. Today, depositors have the opportunity to draw up agreements on bank deposits in any currency. This is also due to the fact that the interest rate of foreign currency is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in Belarusian rubles of your choice.

	Interest rate
"Control"	12.5 to 26.5%	Compiled for a period of 90 to 1000 days. In this case, the client independently chooses the exact date of expiration of the contract. Monthly accrual interest on a bank card.
"Time for surprises"		Term deposit The minimum amount is two million Belarusian rubles. Interest is fixed for the entire term - 3 months. They are credited at the end of the term to a bank card. Possibility of opening to another name.
"Multiply"		The term is 35 days. The minimum amount is 2 million Belarusian rubles. Replenishment is made for any amount.
"Save"	From 18 to 28.5%	For a period of 90 to 1000 days (inclusive) from monthly payment percent.
"Replenish"	From 17.75 to 28.4%	The minimum amount is 500 thousand Belarusian rubles. Monthly accrual of interest on a bank card.

Clients can use different types of bank deposits: "on demand" and "urgent". The latter with a higher interest rate, but on the other hand, demand deposits provide the withdrawal of all funds at any time.

The most popular options among customers are "Save", "Replenish" and "Manage". Their advantages include:

1. Currency savings are placed for an individual period. Thus, the client invests money for a period convenient for him. Due to the fact that interest rates are not rigidly fixed, the client does not lose his interest charge in case of insufficient number of days.
2. Flexible accrual terms interest rates and their removal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically summed up to the principal amount of the deposit. In this case, your final income increases.
3. Simple early dissolution. If necessary early closure bank deposit, the interest savings that the client was counting on are not lost. Depending on the period specified in the contract, upon termination of it after 3 months, from 50% to 100% of accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits for the amount they deem necessary.

From February 24, 2014, JSC "BPS-Sberbank" introduces a new Bank deposit titled "Surprise Time". Cash deposits can be not only in Belarusian currency, but also in foreign.

OJSC "BPS-Sberbank" is one of the largest long-lived banks among those existing in the Republic of Belarus. This is an open institution that regularly provides its financial indicators.

BPS Bank, whose deposits for the population always turn out to be the most profitable for the growth of funds, is the most popular and reliable. The institution has a huge international network of connections. Today, depositors have the opportunity to draw up agreements on bank deposits in any currency. This is also due to the fact that the interest rate of foreign currency is an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.

The bank provides an opportunity to make deposits in Belarusian rubles of your choice.

	Interest rate
"Control"	12.5 to 26.5%	Compiled for a period of 90 to 1000 days. In this case, the client independently chooses the exact date of expiration of the contract. Monthly accrual of interest on a bank card.
"Time for surprises"		Term deposit The minimum amount is two million Belarusian rubles. Interest is fixed for the entire term - 3 months. They are credited at the end of the term to a bank card. Possibility of opening to another name.
"Multiply"		The term is 35 days. The minimum amount is 2 million Belarusian rubles. Replenishment is made for any amount.
"Save"	From 18 to 28.5%	For a period of 90 to 1000 days (inclusive) with monthly interest payments.
"Replenish"	From 17.75 to 28.4%	The minimum amount is 500 thousand Belarusian rubles. Monthly accrual of interest on a bank card.

Clients can use different types of bank deposits: "on demand" and "urgent". The latter with a higher interest rate, but on the other hand, demand deposits provide the withdrawal of all funds at any time.

The most popular options among customers are "Save", "Replenish" and "Manage". Their advantages include:

1. Currency savings are placed for an individual period. Thus, the client invests money for a period convenient for him. Due to the fact that interest rates are not rigidly fixed, the client does not lose his interest accrual in case of a shortage in the number of days.
2. Flexible conditions for accrual of interest rates and their withdrawal. The client has the opportunity to use the accrued interest at any time convenient for him. In the event that the client did not use the interest, then they are automatically summed up to the principal amount of the deposit. In this case, your final income increases.
3. Simple early termination. If it is necessary to close the bank deposit early, the interest savings that the client was counting on are not lost. Depending on the period specified in the contract, upon termination of it after 3 months, from 50% to 100% of accrued income will be paid.
4. Easy automatic renewal of the current deposit. In the event that the client does not need to withdraw funds from the deposit, it is automatically extended for a new similar period. At the same time, there is no need to appear at the bank branch yourself, which saves the client's time.
5. The amount of additional contributions is not limited. Clients can easily replenish their bank deposits for the amount they deem necessary.

From February 24, 2014 JSC "BPS-Sberbank" introduces a new bank deposit called "It's time for surprises". Cash deposits can be not only in Belarusian currency, but also in foreign.

JSC "BPS-Bank" was formed back in 1923 in the Republic of Belarus. Until 1941, he provided long-term loans for various industries industry and energy sector. Expanded the scope of its activities and opened new branches in the regional centers of Belarus.

During the years of the Second World War, the bank ceased its activities due to the temporary seizure of the territory. In the post-war period, BPS-Bank began work very quickly and fully fulfilled the tasks assigned to it for the operational use of the money that was allocated for the restoration of the national economy.
In 1987, a banking reform was introduced, as a result of which the Industrial and Construction Bank of the USSR was formed. "BPS-Bank" began to perform a full range of banking operations which included not only investments and lending, but also a number of other banking services.

In October 1999, BPS-Bank was renamed into Otkrytoye Joint-Stock Company Belpromstroybank. 10 years after this event, the Representative Office of the Republic of Belarus and Sberbank of Russia signed an agreement for the purchase by Sberbank of Russia of 93.27% of the shares of OJSC BPS-Bank, as well as the conclusion of an investment agreement for the long-term development of BPS-Bank.

In October 2001, it was decided to slightly change the name financial organization and now it is BPS-Sberbank Open Joint Stock Company.

Today BPS-Sberbank is a universal organization that provides all types of banking services to individuals and legal entities. Various popular credit programs. Any individual and legal entity, with the appropriate package of documents, can issue consumer credit, borrow money to buy real estate or a car, to open or expand an existing business.

You can apply for a loan in the following forms:

• overdraft on a card;
• opening a credit line;
• providing loan funds in cash or on a bank card.

Any bank is interested in the reliability of its partner, therefore, certain requirements are imposed on each potential client. Here are just a few of them:

• borrower's income
• whether there are loans, debts and loans in other organizations;
• for how long the funds will be issued;
• in what currency the client will issue a loan;
• collateral for credit money;
• type of loan product.

It is impossible to unequivocally answer whether the bank will refuse to issue funds or approve the application. If you have never had problems on the above points, then your cooperation with the bank will bring a pleasure.

If you are skeptical about lending, but like to make money easily, then great option increase your capital cash deposits in any currency. For physically and legal entities There is term deposits With minimum term for 1 and 3 months. The maximum period for which a bank concludes a deposit agreement is 3 years. Accordingly, the larger the deposit amount and the period for which you open a bank account, the greater your interest income will be.

Settlement and cash services

Even if you have never taken loans, but there are simply no deposits free funds, then you can simply evaluate the work settlement and cash services in the bank. Of course, it is most convenient to connect the BPS Internet Bank and make all payments without leaving home from a desktop computer or tablet, but so far not all bank customers have mastered this technology.

Settlement and cash services in BPS-Sberbank is the maximum convenience for customers, high speed work and reliability. The client can use the services of settlement and cash services, both in Belarusian rubles and in foreign currency.

• opening an account;
• any payment transaction;
• money transfers around the world;
• receiving pensions and benefits.

When making bank card, the client is connected to the Internet banking of the BPS bank. With the help of Internet banking, you can make transfers from one card to another, pay public utilities, replenish the deposit, view the balance of funds on your card, pay for purchases in online stores.

Often there are situations when the payment did not go as intended due to a technical failure or an error in entering a personal account. In the event of such a situation, the bank is ready to withdraw the payment document, find the payment, make the necessary requests and provide statements of the client's accounts.

Other bank services

A banking service is not only opening a savings account or obtaining a loan, but also cash transactions. Any BPS-Sberbank client can use:

• an electronic service that works from anywhere in the world while observing the most basic security requirements for your account. A striking example of such an electronic banking service provided by BPS Bank - Internet banking;
• plastic calculations by Visa card anywhere in the world;
• currency exchange operations, as well as consulting on currency legislation;
• services of collectors and delivery of money to legal entities and individuals;
• an individual bank safe that will keep you safe and sound securities, money, shares or jewelry. A separate guarded room is allocated for the vault, where the client can choose a safe of the size he needs.

BPS-Sberbank serves the largest factories in Belarus. All activities of the bank are absolutely transparent. Branches and representative offices of the bank are open not only in the Republic of Belarus and Russian Federation, but are already beginning to develop in Poland. The first branch of the bank outside of Russia and Belarus has already been opened in Warsaw, and in the future the banking network plans to grow and develop in other cities of the post-Soviet space.