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Halva card where you can pay, how to pay off debt, limits on the card. Interest-free loan "Halva" from "MTBank": installment plan on favorable terms Mtbank card replenishment online

Thanks to the installment card, you can buy goods and services in MTBank partner stores and get bonus points, even if your own funds are not enough. The financial institution pays for purchases, and the plastic holder must then return the borrowed funds. The provided credit limit can be expanded by replenishing the Halva MTbank card

Holders of a "sweet" card can not only buy in installments, but also earn. 0.1% of the funds available at the end of the month is credited to the account. Cashback is provided for any purchases paid by the card.

You can use bonuses for shopping in stores - partners of MTBank, of which there are already more than five thousand. The personal funds of the plastic holder are spent only if the provided credit limit has already been used. The essence of the installment plan is that you need to pay not the entire amount at once, but in installments. The maximum payment period is one year. You need to start making payments on the 15th day of the month following the month of purchase. If this is not done, then fines will be charged - 80% per annum.

Fast payments can be made through perevod.mtbank.by, however, the service is not available for holders of BelKart salary cards. If you pay in cash, you can use a conservative proven method - make payments through the branches of RUE "Belpochta"

Via internet bank new.mybank.by

Halva cardholders can use a special mobile application. Using the mobile application, you can check the status of your account and replenish the card at any time. Plus, you can receive notifications that it is time to pay off the debt.

Online transfer using the perevod.mtbank.by service

You can use a convenient function ─ auto-repayment by installment card. If it is not possible to pay the entire amount at once, set up a partial withdrawal. In this way, it will be possible to reduce penalties for delay.

Cash through cash desks and information kiosks

There are several nuances when paying in cash:

There are delays when paying through ATMs.
Interruptions with the Internet and power outages are possible when paying through post offices.
For payment through information kiosks, it is better not to use crumpled cash, the unit may not accept it.

Using self-service terminals is convenient, as they are easy to find. They are located in branches of credit organizations and retail outlets.

At post offices

You can transfer money at the post office of RUE Belpochta using the plastic number or the operator's contract number. Payment by mail is carried out through the local bases of a single personal account (ELS). Funds are credited within one business day.

With the help of the ERIP system

There is no commission if the payment does not exceed 10 million BYN. When transferring from 10 to 20 million BYN, the commission per month is 0.5% of the amount in excess of 10 million. If more than 20 million Belarusian rubles are transferred per month, the commission is 0.5% of the amount in excess of 20 million.

Important! Halva has two accounts: credit and own funds. When replenishing the card, the funds are transferred to the current account, i.e. they are not sent to repay the loan. Therefore, when replenishing via the Internet, you need to use the special option “Make a loan repayment”.

Warn the manager that you need to pay the loan if you pay through the post office or bank cash desk.

Online replenishment via WEBPAY

You can replenish "Halva" via the Internet using Visa and MasterCard plastic of any Belarusian credit organizations. You can conduct transactions through the official website of MTBank https://e-pay.by.

When paying, you must comply with the limits on the amount and number of transactions:

no more than twenty payments per day from one payment instrument;
no more than three payments can be made to one account per day;
within a month no more than ten payments to one account;
the total amount of transfers from one card is 15 million;
the maximum one-time payment is 15 million rubles.

Payments are made through the WEBPAY payment service. The system complies with the international security standard when working with bank payment instruments Payment Card Industry Data Security Standard (PCI DSS). You don't have to worry about the safety of funds, as WEBPAY supports modern ways 3D-Secure protection and Micro-payment.

Wherever you are - at work, at home or on a walk - everywhere you can quickly and easily replenish the Halva card. You don't have to worry about when you need to make a payment. So that plastic holders do not have to remember the installment repayment dates, an SMS informing option has been created. You can discuss any questions regarding the issuance and replenishment of the Halva card online with the bank's consultants.

The Halva card has been known in Belarus for several years, by the way, it was here that it appeared, the card is issued by MTBank. It’s not just plastic with a credit limit, but an installment card that allows its owner to make purchases and not overpay interest for it, that is, the amount of expenses will be divided into several months, if during this period the owner pays the installment plan, then interest on his purchases will not be charged. You can replenish your account in several ways, one of which is the Settlement system. The Settlement system is a single platform that unites payers and suppliers of goods and services, with the help of which residents of Belarus can pay for almost any service, from utilities to loan payments and the purchase of lottery tickets and air tickets. But in this case, consider how to pay for Halva by ERIP.

How to top up Halva card

In fact, paying for a card through the Calculation system will be quite simple: for this you need to know simple instructions. You can replenish the plastic account directly through MTBank Internet banking, in order to pay for the service, you can use the simplest instruction:

log in to Internet banking;
find the "Payments" button;
from the proposed list, select "Payments of the "Settlement" system";
a new list will open in front of you, in which you need to select the “Financial Services” section;
here you need to select the link "Banks";
find MTBank from the proposed list;
further, you need to choose one of the two services "Replenishment of the Halva+ card" or "Repayment by the Halva card";
in the next paragraph, you need to enter the contract number and follow the prompts of the system.

Please note that a similar payment instruction is valid for customers in other commercial Belarusian banks, that is, you can replenish your card account through any bank that cooperates with the Settlement system

Here it is worth paying attention to the fact that the system allows you to perform two actions: pay off the installment plan on the Halva card or simply replenish your account. It is from this that you should build on, if you are interested in how to replenish the Halva MTBank card through ERIP, then in this option you need to select the “Replenishment of the Halva + card” section. If you want to pay off the debt, that is, your installment plan, then select the "Repayment by Halva card" section. Payment is made according to the number of your contract.

As you can see, paying for Halva through ERIP looks simple and affordable for every plastic card holder. Among other things, if you make payments through the payer number, then the history of your payments is saved for you, which means that next time you can simply enter the payer code, select the operation you need and make the payment, that is, there is no need to enter the contract number in the future need.

You have become a successful owner new card"Halva" from Sovcombank, but do not know how to use it to your advantage? Then this article is for you. Helpful Tips, instructions for replenishing an account and real customer reviews - all this can be found right now.

Payment by card "Halva"

Recently, financial institutions have begun to represent which involve an installment period.

It is very similar to lending, only without overpayments and extra interest. The slogan of the Halva card says that the goods can be bought now and paid for much later. The main requirement of the bank is not to exceed the credit limit.

To go shopping, first look at the site of the Halva card and be sure to indicate your region of residence. The system will display on the map the addresses of stores that accept "plastic" for payment.

Remember: you can not buy a product for which the price has been reduced. Only non-promotional purchases are accepted for payment.

After the completion of the operation, information and payment dates appear in your personal account.

Map "Halva". Top up

The payment date is coming or there are free funds for early repayment of the debt, but you do not know how to replenish the account? Take a look at the website of the bank or the Halva card. It is enough to indicate your region of residence and all relevant information will appear in the dialog box. If there is no computer at hand, then look in the contract. In the absence of an agreement, find the memo that you were given when you received the card.

It contains all the addresses and methods of replenishing the account*:

terminal or ATM of Sovcombank PJSC - free of charge;
branch of PJSC Sovcombank - 100 rubles;
through the cash desks of third-party financial institutions - the commission is determined by the bank (usually 2-3% of the replenishment amount);
branch of the Russian Post;
transfer from a debit card of Sovcombank PJSC to a Halva card through a personal account - free of charge.

If the account is replenished through other banks, then it is better to do this 2-4 days before the payment date, since payments are not credited on weekends.

Map "Halva". Reviews

Cardholders mostly leave positive feedback:

Some users noticed the objective disadvantages of the card:

in small towns a small partner network has been formed;
unilaterally, the bank sometimes does not comment on its actions;
if a person suffers from "shopaholism", then all the funds will go to pay off the debt;
for small purchases, i.e. up to 10,000 rubles, installments are issued only for 3 months, etc.

In any case, make a decision after weighing all the advantages of a banking product specifically for you.

If it is not possible to pay the entire amount of the monthly payment, then pay the part that you can pay. Interest is charged on the amount owed.
Check your purchase information and payment schedule in personal account.
If you have any questions, please call the bank's hotline immediately:

We continue to test self-service devices. Today starts new stage research - checking the work of infokiosks. The honor of being the first fell to the terminal of MTBank.

The device is located at the address - Minsk, Masherova Avenue, 54, RCC No. 48.

The office has 2 entrances - central and side. From the side of the main entrance there is a customer service department and a cash desk, and from the side entrance there are self-service devices.

I, as expected, went through the main door, so I did not immediately find the information kiosk. But attentive customers may notice a special sign outside the building, which will make it easier to find the device :)

When I approached the information kiosk, I saw a woman who could not pay for any services, but there was no consultant who could help nearby :(

I patiently waited for my turn, but in the end, the woman and I had to deal with the system together. It's a pity that I had to fulfill the duties of a consultant :(

Finally, left alone with the device, I started testing :) The first thing I noticed was the popular payments on the main page.

If you click on one of them, the system will prompt you to select a payment method. It can be either cash or card payment. Depending on the service and type of payment, it remains to enter the amount and specify the data for the payment.

Now let's go back to the main station.

Apart from quick payments, there are two buttons at the bottom of the screen − "Cash payment" And "Card Payments".

I liked that when choosing the first section, the system immediately warns customers that the information kiosk does not return money and does not give change :)

If you agree to these terms, two options will appear on the screen:

Loan repayment
ERIP

With the repayment of the loan, everything is easy and understandable. We enter the information under the contract, feed the money to the device and pay. But the ERIP system interested me much more, in particular because the woman I helped had difficulties with it.

Initially, you need to specify the ERIP payer number, if it is not there, then just press the button "Further".

The ERIP system looks presentable, the font is large and the letters are easily distinguishable against a blue background. There was only one problem - both we and I alone could not find the necessary services. Unfortunately, the information kiosk does not provide a search :(

The payment process is standard. We select the desired service, if of course we find it, then we enter information about the payment, it remains only to pay.

Now look at the section called "Payments by card". After selecting this item, you should insert the card into the device and enter the PIN code, moreover, it must be entered using the numeric keypad, not the virtual keypad.

All possible operations on the card will open on the screen:

Top up account
Payment for services
Account balance

Let's start with the rest.

The device offers 2 options to choose from - display the balance on the screen or on the check. This is what the screen looks like...

The next section is very easy to use and is called "Top up account".

All you have to do is feed the cash to the information kiosk and press the button "Enroll". Instant payment :)

This is what receipts and balance sheets look like...

The ERIP system when paying by card looks the same as when paying in cash. The only difference is that when paying by card, you only need to prescribe the amount, without depositing cash.

Correspondent's personal opinion

Infokiosk works quickly and without errors. It is installed not just under the roof, but in the building, which is a huge plus in such cool weather.

I will note only one negative point - the lack of a search system. The woman in front of me was looking for the right service for a very long time and was angry, but we did not notice the consultant in the vicinity.

Test result - 28 points out of 52 possible

Information kiosk evaluation criteria				MTBank
installation, conspicuousness	conveniently installed in height - 1 point there is a visor or installed under the roof - 1 point there is a shelf for the bag 1- point	3\2\1	max 6 points	3
installation, conspicuousness	noticeable from afar, there is a separate sign	3\0	max 6 points	3
convenience	Possibility to pay for services in cash	5\0	max 40 points	5
	the possibility of replenishing the card in cash	5\0		5
	the ability to replenish the card with a bundle of banknotes without additional actions	4\0		4
	the possibility of transferring from card to card of the Republic of Belarus	5\0		0
	the possibility of transferring from card to card abroad	5\0		0
	having quick access to frequently used functions on the main screen	5\0		5
	whether they offer to remember payments in your personal account	2\0		0
	Possibility to send a check by e-mail	3\0		0
	card PIN change	5\0		0
	availability of contacts of the bank, technical support service on the information kiosk, or its main screen	1\0		0
interface	color spectrum. Contrasting colors - 3 points, non-contrasting - 0	3\0	max 6 points	3
interface	additional opportunities that are not in ERIP (issue a loan, deposit, card) plus 1 point for each opportunity	3\2\1	max 6 points	0
Maximum Points			max 52 points	28

Installment card No. 1 "Halva" is:

- installment purchases up to 24 months without a down payment and overpayments in more than 23,000 partner stores across the country
- purchases with cashback up to 1.5% when paying with your own funds

Where does the money come from on the Halva card?

Credit limit - bank money

When issuing a Halva card, the bank will set a limit for you, with which you can make purchases in installments in a network of partner stores.

Your money

If you wish, you can replenish the Halva card with your own money and pay with it in two cases:

outside the network of partners, both in Belarus and outside the country;
in the partner network in case the credit limit is not enough to fully pay for the purchase in installments (you will also receive a cashback of 1.5% or 0.5% (for grocery stores with MCC 5411) for paying in the partner store with your own money).

Important: You can withdraw cash and pay with a Halva card outside the network of partners only at your own expense.

How to buy in installments?

During the month, you make various installment purchases in a network of partner stores;
The cost of each purchase is divided into several payments according to the number of installment months with the partner;
At the end of the month, payments for each purchase are summed up and automatically issued in one payment, which must be paid off by the 15th day of the coming month;
You can track your purchases and payments on the Halva card in the Internet bank or in your personal account on the halva.by website. For your convenience, MTBank provides a settlement statement, which clearly states where and for what amount the purchases were made. In the monthly statement, you can see the number of payments into which the amount of each purchase was broken down, the amount of payment for each purchase in the coming month, and the number of remaining payments.

How do I buy in installments using my own funds to pay for part of the purchase?

If the credit limit is not enough to make an installment purchase, you can use your own money. How to do it:

replenish the Halva card with your money and go shopping;
when paying for the purchase, part of the amount will be debited from the credit account, and the missing part - from your own funds;
the amount that will be debited from the credit account will be divided into several payments according to the number of installment months - they will need to be paid to pay off the debt in accordance with your payment schedule;
cashback will be credited to the amount of your own funds used for the purchase - 1.5% or 0.5% (for grocery stores with MCC 5411) of the funds spent will be returned to your card in "live" money.

Important: when buying in installments using own funds, credit money is first debited, and if it is not enough to pay for the purchase, the client's own money on the card (if any).

Is it possible to pay with the Halva card outside the network of partners?

For purchases made with your own funds, you receive a cashback of 1.5% or 0.5% (for grocery stores with MCC 5411) of the purchase amount. The maximum amount of cashback that can be credited and paid as part of the Halva Loyalty Program is 200 BYN during a calendar month

With conditions Loyalty programs on the Halva card you can see .

You can replenish the Halva card with any convenient way:

via internet bank new.mybank.by for MTBank cards
online transfer through the service from Visa cards and MasterCard of any Belarusian bank - up to 10,000 BYN per month
in cash through cash desks and information kiosks of MTBank CJSC
in the offices of RUE "Belpochta"
through the ERIP system - Internet banks and devices of other banks
online replenishment via WEBPAY (performed via ERIP)
cash in Qiwi terminals, and without commission - in the following terminals:
Minsk, Logoisky tract, 37
. Minsk, ave. Dzerzhinsky, 126
. Minsk, st. Lobanka, 94
. Minsk, st. Umanskaya, 54
. Minsk, st. Kalvariyskaya, 24
. Minsk, st. Igumensky tract, 30
. Pinsk, st. May Day, 117
. Zhlobin, st. Pervomaiskaya, 57B
. Mozyr, Friendship Boulevard, 11a
. Kalinkovichi, st. 50 years of October, 83/2
. Pinsk, st. Zholtovsky, 13
. Slutsk, st. Lenina, 290
. Molodechno, st. V. Gostinets, 143
. Baranovichi, st. Brestskaya, 226
. Vitebsk, ave. Moscow, 130-1

In accordance with the security policy of banks, some types of cards may not be available for transactions on the Internet. If it is impossible to make an online replenishment, please contact the servicing bank.

Own funds on the Halva card account are not automatically transferred to pay off the minimum monthly payment, but are stored on your current account and are available for use.
Automatic repayment of debt at the expense of the client's own funds on the card is made only on the 15th day of the month, or on the next business day if the 15th falls on a weekend.
Cardholders can independently repay the debt on the Halva card at their own expense until the 15th day via the Internet bank, using the service “make a loan repayment”, or by contacting a specialist of the OK Center of MTBank.

Important: when you replenish the Halva card, the funds are credited to the current account, and are not credited to pay off the installment debt.

The Halva card is an ultra-modern map of the international payment system MasterCard with PayPass technology, thanks to which payments can be made with one touch and save time on entering a PIN code or signing a check.

Since the card always remains in your hand, you can be sure that the rules are respected. safe use cards. Learn more about the technology