My cards halva entry. Halva card: Personal account

First in Belarus mobile app, which allows you to pay for goods and services in the trading network using your smartphone with one touch to the terminal.

For what?

Comfortable:

Using a mobile application MTBankHCE all yours contactless cards Mastercard (except for Hello, world!) and Visa (except for Infinite and Platinum cards) of MTBank you can "record" on your smartphone. Thus, all of them will always be with you, and at any time, even without a card at hand, you can pay using your smartphone from the card you need in a terminal that supports contactless technology.

Fast:

Technology contactless payment using a mobile phone allows you to make a payment with one touch to the contactless payment terminal, thus using MTBankHCE you will spend a minimum of time on calculations.

Safely:

In the application MTBankHCE data is securely protected and each transaction requires a secret password.

How it works?

Paying with your smartphone is very simple: launch the application MTBankHCE, select the card you want to pay for, enter your mobile pin code, put your phone to the terminal - and pick up your purchases.

Use the app MTBankHCE using a smartphone with the Android operating system (version 4.4 or higher) and equipped with an NFC module. Such popular phone models today as Samsung Galaxy S5, Sony Xperia, HTC One, LG G4 and many others have the necessary properties.

The app is free and there are no fees to use it.

MTBank HCE is installed from the store Google Apps play. To do this, find the Google Play shortcut, enter mtbank in the search bar, select MTBank HCE from the list of offers and install. Or use the direct link.

To pay using the app MTBankHCE must first pass simple registration. For binding, you can use any MTBank card, which has the SMS notification function connected.

1. After launching the application MTBankHCE you need to register: enter the card number and CVC2 code (located on the back of the card), check the checkbox confirming that you agree with the current Rules for the use of bank payment cards (link to the page with the rules) and General conditions agreement on the use of a bank payment card (link to the page) and click "Continue".

2. After entering the data, you will receive an SMS with a confirmation code to the number to which SMS are sent about the purchases made on the card.

3. After entering the code from SMS, you need to create a password for the application and a mobile PIN. The first one is necessary for editing the previously entered data and performing service functions in the application, the second one is for making payments.

4. After entering all the data, you will be able to create in the application virtual card as a duplicate of an existing one Mastercard or Visa and you can make payments!

Sovcombank offers customers favorable conditions for shopping. Halva card is a credit card with the ability to buy goods in installments for a period of 1 month to a year. You can make purchases with credit money or own. If you buy with your own money, up to 3% of the amount spent will be returned to the card.

The principle of the installment card when using credit money is simple: the purchase amount is divided into equal parts. Subject to the timely repayment of the debt, the holder does not overpay anything. It is very important to keep track of card transactions in order not to pay interest on late payments. This will help Personal Area.

By the way, there is a better map than Halva

Personal account functions

To organize the information on the card and simplify control over it, a personal account of the Halva card was created. In it, the user sees all the transactions made on the card, the amount of debt and the date of repayment, the amount personal money and other. Such an account is needed to control the loan and installments.

In the office you can:

• find out the balance of personal funds;
• follow the loan repayment schedule;
• view the total amount of the debt;
• find stores with the best deals by installments;
• monitor deposits and withdrawals;
• request a card statement;
• set up auto payment for timely repayment of the debt;
• look program rates;
• view cashback;
• find out the date, purpose and address of debiting funds.

The account user can connect the mailing list about the promotions of the bank and partner stores in order not to miss the best offers.

A convenient SMS notification function will not let you forget about the next loan payment, thus reducing the likelihood of overdue debt.

Everyone who has issued Halva has access to the profile, you just need to log in to the profile. To enter the personal account of the Halva installment card, you need to use only the official website of the program from Sovcombank.

Login to your personal account Halva

After receiving the card, you can immediately log in to the site and enjoy the benefits of the service. Registration of a new user takes place online, for this you need access to the Internet and mobile phone. You can enter the personal account of the Halva card only through the official website by phone number.

Login instructions:

1. We go to halvacard.ru - the program portal.
2. On the first page, click on the "Go to Office" button.
3. In the form that appears, enter your mobile number. You need to enter the number that was indicated when receiving the card at the bank.
4. Within a few minutes, you will receive an SMS from the bank with a secret access code. This code cannot be disclosed, it must be entered into new form authorization, and after that it is better to delete. By entering the code, the user immediately enters his personal account, which displays all the information about his card.

If from the moment of receiving the card and before authorization, the holder's phone number has changed, you need to contact support or call hotline by phone 8 800 100-777-2. You can also contact us if you are having difficulty logging in. Anyone who wants to buy with zero installments can fill out an online application for Halva from Sovcombank right at home.

Mobile app

Even such a service as an account can be made simpler and more accessible. To ensure that information on the card is always at hand, you can use your personal account via a smartphone or tablet. The Halva application has the same set of functions as the account on the site.

Application supported by systems android and iOS. You can download it for free, and there is no charge for using it in the future.

For holders of Halva and Halva+ cards, MTBank has created a single personal account. The online service is provided to customers free of charge and provides access to many useful features. Using a profile will allow bank customers to quickly receive all necessary information about the card and installment terms in various partner stores.

How to register and log in to your personal account

Entrance to the personal account of the Halva card does not require special registration. When processing documents, it is attached to the card mobile number owner. Subsequently, it is used for each authorization as a login.

To enter "My Account" you need:

Important! When changing the contact number, the owner of Halva needs to visit the branch of MTBank. You must have an identity document with you.

You can enter the online account through the mobile application in the same way: by phone number and password from SMS.

Personal account functions

In their personal account, cardholders will be able to:

• View the balance of the account - the balance of own funds or credit available for installments.
  
  
• Specify the size of the credit limit on the card.
• Look total amount debts for all current installments.



• Find out the date and amount due.
• Display payment schedule.
• Pay the installment fee (through the site perevod.mtbank.by).
  
  

Important! It is not possible to conduct transactions through a personal account. Its main task is to provide complete information about the current debt, the limit, as well as news, promotions and stores where Halva is accepted. If the card stores its own savings, then all types of operations can be carried out through.

The profile allows you to redistribute money between accounts. The scheme of work is designed in such a way that when replenishing the balance, the money is not immediately transferred to pay off the current debt. They are stored on the account and can be used as your own, and the card can be used as a settlement debit card. On the payment date, every 15th day, a debit is made from the account to the repayment address credit debt. By this date, the owner is obliged to ensure that the required amount is available.

To pay an installment installment, it is not necessary to wait for the debit, you can set up "Auto redemption". The activated function will make the transfer automatically immediately after the balance is replenished.

In your personal account, you can find out all the necessary information about the partner stores of MTBank, where purchases can be paid for by Halva. The system will provide the following information:

• list of stores;
• installment period;
• promotions and special offers.

The personal account of Halva or Halva Plus cards can be used via a smartphone. The program works on the Android and iOS platforms, you need to download it from the websites of the official AppStore or Google Play stores. There are direct links to home page site www.halva.by, at the bottom.

The mobile application contains all the functions of the web account, through it you can:

How to ensure the security of your personal account

The MTBank website is protected from illegal actions of third parties. Personal data is safe, but subject to the basic rules for using the online account.

General tips for users:

1. Do not disclose one-time secret codes from SMS to anyone.
2. Refuse autosave login when logging in via smartphone or PC.
3. Install licensed anti-virus protection on your PC/smartphone with automatic database updates.
4. Do not store the input data for your personal account near the PC or in a place accessible to third parties.
5. When you're done, always log out of your profile.

The personal account of the Halva card from MTBank will provide holders with a complete and up-to-date information about stores, promotions and installment terms. Authorization in the system takes a minimum of time and does not require remembering a password or login. It is enough to always have access to the Internet and a cell phone number linked to the profile.

MTBank offers its customers not only the Halva card, but.

The Halva installment card first appeared in 2014, it was presented to the public by MTB Bank. Literally from the very first days, the bank's customers fell in love with the novelty and after some time it became clear that this was the loudest innovation in the banking sector of Belarus in recent years. With the help of the Halva card, the bank's client can easily purchase various goods and services offered by the bank's partners by installments.

Most people who have dealt with credit cards, the principle of operation of the MTBank installment card will be clear. Well, for those who are not in the know, we will briefly describe the principle of Halva's work: in order to purchase goods, it is not at all necessary to have your own cash, all expenses are paid by the bank, and you repay the debt in equal amounts monthly without interest and overpayments. But you need to understand that the terms of the installment plan, the period and terms of repayment of the debt must be strictly observed, otherwise the bank will impose penalties on the debtor.

It seems that an installment card is no different from a credit card, but this is not so, some differences still exist:

1. Halva card holders can purchase goods and services in installments only online.
2. You can withdraw cash from the card, but only if there are funds in the current account. You can't withdraw money from your credit account! But Belarusbank provides such a service.

The installment card itself works with a payment MasterCard system paypass. PayPass technology means that the card is contactless, i.e. to pay, you just need to attach it to the terminal.

• interest-free installment plan (you do not need to pay anything for using the installment plan within the stipulated period);
• installment period up to 12 months (depending on the partner);
• you can purchase goods without a down payment;
• free replenishment of the card online;
• 1.5% cashback when calculating with your own funds on the network.

Two accounts are linked to the Halva installment card: credit (through which you can purchase goods by installments) and your own (through which you can return up to 1.5% of the purchase price both in the network of bank partners and outside it).

Card service fees

The Halva card is issued for a period of 3 years, the amount of the credit limit varies from 50BYN to 6000BYN ( credit limit set for each client on an individual basis), the installment period depends on the partner of the bank but does not exceed 12 months, card maintenance is 9.9BYN per year. To pay off the debt, you need to replenish the card, you can do this through the MTBank service perevod.mtbank.by from any Visa or MasterCard card of any Belarusian bank no commission.

Anyone can get a Halva installment card, for this you only need to come to the nearest bank branch with a certificate of income. After the expiration of the 3-year period of validity of the card, you can order its reissue.

How to use installment card

The holder of the Halva card can purchase goods and services by installments in any stores and companies that are partners of MTB Bank. Outside the network of bank partners, you can also pay with a Halva card, but only if the card has its own funds.

To pay for goods or services, you can use credit funds, which can be no more than 6,000 rubles on the card, or you can put your own funds on the card. In this case, when making purchases on Halva, 1.5% of the purchases made will be returned. Please note that you can pay for goods in the MTBank partner network partly with credit funds, partly with your own. In this case, the part of the amount paid by credit funds will be divided in equal shares for the installment period, and 1.5% will be returned to the card from the remaining part of the amount that you paid with your own funds. This process is shown more clearly in the diagram below:

Outside the network of partners, you can only count on cashback, which is returned from each purchase paid with a Halva card from your own funds. See diagram for details:

To avoid fines and accruals various percentages, the cardholder must deposit the required amount on the credit account on time. The card must be topped up by the 15th day of each month. The first payment must be made by the 15th day of the month following the month of purchase, i.e. for June purchases, the first installment payment must be made by July 15 to pay off the debt by installments. It should be noted that the timely replenishment of the credit account is a very important procedure, in case of constant delays in payment, the bank's client will be charged large fines.

Where to get a card and terms of registration

It is very simple to issue a card, you can do it in any way convenient for you:

• by phone 509-99-99 (velcom, MTS, life)
• in any branch of MTBank
• in a network of partner stores
• www.halva.by

You only need to have your passport with you.

Is it possible to withdraw cash from the Halva card

Yes, you can withdraw money from the Halva card, but only if it has its own funds. Withdrawal of money from the credit account is not provided.

How to top up the card

MTBank takes care of its customers and makes every effort so that the process of replenishing the Halva card does not cause discomfort. You can replenish the installment card in any of the following ways:

• via the Internet bank new.mybank.by - an ideal option for MTBank cardholders (in addition to Halva).
• through the online service perevod.mtbank.by with Visa cards or MasterCard of any Belarusian bank without commissions.
• in cash through information kiosks and branches of MTBank
• in the offices of Belpochta
• through the ERIP system
• online replenishment via WEBPAY

Note! When you replenish the Halva card, the funds are NOT credited to pay off the debt by installments, but are credited to the current account. Debt repayment can occur automatically on the 15th day of the month, but provided that there are sufficient funds on the current account. Cardholders can pay off the debt on their own before the 15th, but for this you need to use the services of Internet banking or contact an employee of a bank branch.

How to check the balance (balance)

You can find out the balance of the Halva card through ATMs or go to the personal account of the halva.by Internet service. Here you can perform full card management, including viewing the balance of available funds.

Personal account: login, registration, opportunities

This Internet service was created for the convenience of all installment card users. It is worth noting that you do not need to register to use this service. Having entered the halva.by website, there will be a “Login” button in the upper right corner of the screen, by clicking on it, the system transfers the client to the next window, where you need to enter your phone number, and then enter the verification code in the window. In this case, the phone number must completely match the one to which the card was registered.

As for the possibility of a personal account, the list here is quite large. In a personal account, each person has the opportunity to:

• find out the amount that he needs to deposit before the 15th;
• find out the available balance on the card;
• get complete data on all movements of funds on the card, a person can see the amount that was spent at a particular outlet;
• see information regarding the transfer of funds;
• see the full picture regarding credit and personal accounts.

Thanks to the personal account, each holder of the Halva card has the opportunity to make a complete analysis of the purchases made throughout the month. Also, by going to the "Promotions and Stores" section, you can find out all available promotions in partner stores. If the holder of the Halva card has other cards of the Minsk Transit Bank, then it is possible to integrate the Halva personal account with MTBank Internet banking.

List of partner stores

The list of partner stores can be found through your personal account or on the official website of the installment card - www.halva.by/shops/. It should be noted that today there are already more than 13,000 enterprises throughout the country that are partners of MTBank and accept loan funds installment cards "Halva".

The Halva card from Sovcombank gives its holder the opportunity to make purchases in partner stores in installments up to twelve months. You can apply for a card at any branch or leave an application for it through the website.

Each user has access to the Personal Account. In the Personal Account, the client has the opportunity to:

• View the stores available in the system, their location and the range of goods offered.
• View card balance.
• Track outgoing and incoming transactions.
• View the loan repayment schedule.
• Get a card statement.

The Halva card makes it possible to pay for all goods in the partner stores of the program in installments. It is profitable and convenient way budget allocation. And the Personal Account gives the user the opportunity to control their expenses and find out the time of the next installment payment.

Registration in the Personal Account

Access to the Personal Account is possible only after the client issues the Halva installment card, so the registration procedure, in fact, is registration in the system. You can apply for a card at any branch of Sovcombank. To do this, you must meet certain requirements:

• Have a passport of a citizen of the Russian Federation.
• The card is issued only to citizens not younger than twenty years old and not older than seventy-five years old.
• The customer issuing the card must have official employment, as well as work experience since the last place of work.
• It is also necessary that the client has a permanent registration in the region in which the bank operates. The term of such registration is not less than four months prior to the issuance of the card.
• Have a landline work phone or equivalent home phone.

If the client who applied to Sovcombank is able to meet all the requirements of the system, then the card will be easily issued.

You can also register through the site by filling out an application for a card. To do this, you need to indicate the surname, name and patronymic of the applicant, contact number And email address. After that, bank operators will contact the client.

Authorization in the Personal Account

In order to enter the Personal Account, you need to enter your mobile phone number, then you will need card details and a password. The procedure is quite simple and takes only a few seconds. After that, the user has the opportunity to use all the functions of the Personal Account.

Login by phone number in personal account halvacard.ru

After issuing a Halva card, each client is assigned a personal account with many opportunities for comfortable work. Before trying to log in to your account, you should wait a couple of days, and on the main page of the site, click on the link for authorization "To the account". When entering the personal account of the Halva card by phone number, a password is not needed.

After confirming the phone, you will be sent a message with a password for authorization. The fundamental difference between visiting the Halva LC is that you do not need to invent anything for authorization. Each time you visit the LC you will need to indicate your number, and you will receive a one-time password. It's both fast and convenient, no more passwords.

Mobile application "Halva"

The mobile application is available for smartphones and tablets running on operating systems iOS and Android, and is available for free on the Google Play and App Store.

The application allows the user to navigate the list of partner stores and find the required goods in their assortment, the purchase of which is possible with the Halva installment card.

The first time you launch the application, you need to log in. The user enters the phone number to which the card is registered, and then the confirmation code received in an SMS message.

Support for Halva cardholders

On the website of the Halva card, there is a support telephone number, by which the user has the opportunity to contact the operators and find out from them the answer to all questions of interest, get advice and assistance on technical issues.

It is also possible to get acquainted with the information and contact specialists and the same cardholders through social media. The site has active links to pages on Facebook, Vkontakte, YouTube and Odnoklassniki.

Disabling the Personal Account

As soon as the user expresses a desire to refuse the card and goes through the account closing procedure at the bank, access to the Personal Account is canceled. This is standard procedure for all such systems.

Information privacy

Sovcombank guarantees all customers the security of personal data, including those provided for issuing a Halva card.

The user can additionally protect himself by installing anti-virus software on the computer and mobile platform, which excludes the possibility of data leakage through viral spyware.

And in no case should you disclose your card details to anyone, as well as transfer the mobile phone to which it is attached to the wrong hands.