Helpful information
A bank card is a payment instrument that allows you to pay for purchases at retail outlets and via the Internet, withdraw cash, replenish your bank account, transfer money and perform other types of transactions.
The first bank cards appeared in the USA in the middle of the 20th century and had limited capabilities - one could pay on credit by them. Now cards allow you to pay for purchases, including on credit, accumulate bonuses, and receive money-back.
There are various options for classifying bank cards, the main ones are:
- by type of payment system (BELCART, Visa, Mastercard);
- by type of funds on the account (debit, credit);
- by additional parameters (classic, premium, cards with bonuses, etc.)
The salary card is intended for payroll to an employee by an organization that has entered into a service agreement with the bank as part of the Salary package.
You can order a salary card by visiting one of the divisions of our bank. Banking service centers of JSC Belagroprombank are open in all regions of the Republic of Belarus.
To apply for a salary card, you need to contact the bank with an identity document.
The conditions for servicing a salary card are determined depending on the package chosen by the organization within the framework of the service agreement concluded with the bank.
It is possible to transfer money to a salary card by non-cash transfer of funds (from card to card), as well as using the system Raschet (ERIP).
The Bank issues cards of three payment systems in different currencies:
- Visa cards - in BYN, RUB, USD, EUR currencies;
- Mastercard cards - in BYN, USD, EUR, CNY currencies;
- BELKART-Mir cards - in BYN, RUB, USD, EUR currencies.
No. Currently, there are no restrictions on conducting operations abroad (cash withdrawals, non-cash payments) by the bank.
The currency of the operation is converted into the currency of the payment system (USD, RUB, CNY), and upon receipt at the bank - at the rate of the bank into the currency of the account to which the card was issued. Thus, to exclude conversions, the best option is when the transaction currency matches the currency of the account to which the card was issued: what was paid will be debited from the account. For example, for a trip to European countries that use the single currency of the European Union - an account and a card in EUR, for a trip to the USA - in USD.
Cards of Visa and Mastercard payment systems by the bank are allowed to be used everywhere and without restrictions. However, do not forget that restrictions on the use of the card may exist depending on the policy of payment systems and the country to which you are heading, as well as the acquiring bank in the device of which you plan to use your card. So for traveling to the Russian Federation, the best solution is to issue a BELKART card. There are no restrictions on the part of the bank for conducting operations in the territory of the Russian Federation.
If the transaction currency matches the currency of the account to which the card was issued, then the amount and currency of debiting from the account will be equal to the amount and currency of the transaction.
If the currency of the transaction does not match the currency of the account to which the card was issued, the currency of the transaction is converted into the currency of the account through the currency of the payment systems:
- for Visa it is EUR;
- for Mastercard it is CNY;
- for BELKART it is RUB.
For example.
The client paid in Polish zlotys (PLN) using a Visa payment system card, the account of which is in Belarusian rubles (BYN). Currency exchange operations will take place in two stages: PLN –> EUR –> BYN.
If the client has paid in Polish zlotys (PLN) using a Visa payment system card, the account of which is in euros (EUR), then currency exchange operations will take place as follows: PLN –> EUR –> EUR. Thus, if the settlement currency of the payment system and the currency of the account to which the card is issued coincide, the currency exchange operation is not performed - the amount received from the payment system for settlements will be reflected in the client's account.
