Zapsibkombank has launched the “BONUSES” program, which works not only in our country, but also abroad. Zapsibcombank: how to spend bonuses?

Bonuses from Zapsibcombank, what is it?

Zapsibkombank points are accumulated on the card only if you have this program connected. There are privileged cards that automatically connect to the program, but for simple cards this program must be connected for an additional fee.

Zapsibcombank: the “BONUSES” program means that you make purchases in a specific category of goods both in the Russian Federation and abroad. After which you will be awarded 5% of the purchase amount. 1 bonus = 1 ruble.

Here's an example: you have accumulated up to 10,000 bonuses. Now you can pay for any product in our country or abroad with these bonuses, but only 99% of the cost of the product.

How to connect bonuses to a Zapsibcombank card?

You can activate bonuses through an ATM:

  1. Insert card
  2. Enter your PIN
  3. Click on "Service Management"
  4. "Loyalty program"

Connect bonuses via the Internet:

  1. Log in to your personal account on the bank's website
  2. Select "Maps"
  3. Click on your card and “Connect the loyalty program”

You can keep track of all accumulated bonuses through Internet banking in your personal account. There you can also change the product category in which bonuses will be accumulated upon purchase. There are several product categories:

  • My clothes
  • My technique
  • My supermarket
  • My car
  • My phone
  • My travels
  • My entertainment
  • My health and beauty

To use the bonuses themselves, in your personal account you change the opposite of a certain category “SAVE” to “SPEND” and you can use your bonuses. You can set a threshold for bonuses used and include several categories at once. for convenience.

Nuances of the Bonuses program

  • The minimum amount when crediting a bonus is 300 rubles. If you spend less, bonuses will not be credited.
  • For a classic card, the maximum number of bonuses per year is 7,500, for additional cards – 3,000 bonuses, for a platinum card – 15,000 bonuses
  • Bonuses are valid for 1 year from the date of service activation. Exactly one year later on the same day, unused bonuses expire.

Bonuses are not awarded for payments for: Internet services, utilities, telephone, mobile communications, cable television, taxis, trains, buses, subways, and third-party transport companies.

Currently, there are practically no banking organizations that do not have their own Internet bank. A service such as Internet banking allows clients to take advantage of a wide range of banking services without leaving home. This article will discuss in detail the Internet bank of Zapsibkombank.

Registration and login to your Zapsibcombank personal account


The registration process for the Zapsibkombank Internet banking service is carried out at the organization’s branch when the client opens his bank account. So, when opening an account, a new client is automatically entered into the bank’s register. After this, the bank employee issues the client a contract, which specifies the login and password for authorization.

Registration for Zapsibkombank card holders

If you have a bank card of the represented organization, but have not yet registered in your personal account, then you can register as follows:

  1. Go to the nearest ATM served by Zapsibkombank.
  2. Insert your plastic card into the ATM.
  3. Go to the “Internet Banking” section.
  4. Click the "Registration" button.
  5. Enter the password for online banking.
  6. Confirm the operation.
  7. After this, the ATM will print a receipt containing a login for authorization in the system.
  8. Don't forget to pick up your bank card.

In order to use all the functions of Internet banking, you need to log in to the system. You can do this as follows:

  1. Go to the website zapsibkombank.ru.
  2. Select the “Internet Banking” section.
  3. In the menu that opens, click “Individuals”.
  4. After this, the login page will open. Here you need to enter your username and password in the appropriate fields. You can also use the password recovery system on this page.
  5. After entering your login parameters, click the "Continue" button. If the entered data was correct, then you are authorized in the system.

You can download “Zapsibkombank” online on your phone or tablet.

Possibilities of Zapsibkombank Internet banking for individuals

Zapsibcombank clients have the opportunity to use the following services:

The mobile bank “Zapsibkombank” opens up the same opportunities for customers.


Mobile application for Android and iOS

In order to further simplify the management of accounts and money transactions for its clients, Zapsibcombank has released a special mobile application that has all the functionality of a personal account.

Mobile application installation

The mobile application runs on Android and iOS operating systems. You can install the application as follows:

  1. Go to Play Market (for Android) or App Store (for iOS).
  2. In the search, enter the name of the application “Internet Bank Zapsibkombank”.
  3. Download the application to your device.
  4. Once installation is complete, open the application.
  5. To authorize, you must enter your login and password for your personal account.

Advantages of the mobile application:

  1. Card blocking. Using this application, you can easily and quickly block your bank card if it is lost or stolen.
  2. Money transfers. Any money transfers are made as simply as possible.
  3. Availability of all functions of a personal account.

On the Zapsibcombank website you can find a lot of useful information about the resource.


Payment for services and transfers in Internet banking

In your personal account you can easily pay for various types of services. To do this you need:

  1. Log in to the system.
  2. Go to the “Payment for services” section.
  3. Select the required service (You can view the full list of service providers for payment, as well as payment limits on the website www.zapsibkombank.ru).
  4. Enter the payment amount.
  5. Confirm the operation.

If necessary, the user can create payment templates and pay for similar services in a few clicks. You can also set up automatic payments, with the help of which money will be debited from your bank account to pay for certain types of services at the appointed time.

Money transfers

To make money transfers, you must complete the following steps:

  1. Log in to the system.
  2. Go to the “Money Transfers” section.
  3. Enter the recipient's account number or bank details.
  4. Specify the size of the transfer.
  5. Confirm the operation.

Zapsibcombank approves online loans only to verified subscribers.

Opening a deposit through your Zapsibcombank personal account

Clients have the opportunity to open and replenish time deposits, as well as demand deposits in their personal account. This can be done in the “Deposits” section. Opening deposits is available in rubles and foreign currencies. In this case, funds for opening a deposit are debited from the client’s bank account.


Expense statistics

In your personal account, you can view all expenses made in various categories for any period for all card accounts, as well as for each one separately.

It is also possible to add your own expenses, made in cash or from accounts in other banks. These expenses will be included in the overall expense statistics in the appropriate category.

Bank employees offer their clients the following recommendations for the safe use of Internet banking functionality:

  1. Incognito mode. This function allows you to hide and open your balance.
  2. One-time codes. The client can configure the function of one-time codes, which will be needed to confirm various transactions performed on the account.
  3. Mobile bank. This service allows the client to receive notifications on his mobile phone about all transactions performed on his account.

Internetbank "Zapsibkombank" is new opportunities for those who live in the modern rhythm.

Video “PJSC Zapsibcombank”

PJSC Zapsibkombank is a large credit organization in the Tyumen region, founded in 1990. He heads the financial group of the same name, which includes the investment company IC Fred LLC and the insurance company IC Tyumen-Polis LLC. The financial institution provides services to individuals and legal entities and provides remote banking services on the Internet.

Internet banking of Zapsibkombank

Banking is available for individuals in the Zapsibkombank system and for legal entities in ZapSib iNet. Internet bank Zapsibcombank is included in the Top 10 rating as the most effective tool for clients, and ranks 8th among 43 credit institutions.

Online access for private clients allows you to perform standard operations in your personal account:

  • Manage banking products;
  • Receive monthly expense statistics;
  • Carry out money transfers using the details of clients of Zapsibkombank and other credit organizations;
  • Pay for services.

The following Internetbank operations are available to corporate clients:

  • Generate statements and payment orders in Russian rubles;
  • Export and import electronic documents into well-known accounting programs;
  • Manage salary projects;
  • Manage deposits;
  • Manage loans;
  • View current exchange rates.

REFERENCE. The Zapsibcombank 24 personal account allows you to significantly save time resources for visiting bank branches, since you can connect to it from a personal computer or smartphone. Connection and further support of online banking users is carried out free of charge.

Login to Internet bank, personal account

On the official website of Zapsibkombank https://www.zapsibkombank.ru/ there is an active banner “Internet Bank”. For convenience, users can save the direct address of the Internet bank https://inetbank.zapsibkombank.ru/ in the browser.

To log in as a private client, you will need a confirmed registration, namely a username (login) and password. The system will automatically identify the client and send a unique verification code via SMS. Within 10 minutes, the user must enter this code in the appropriate window and log in. The corporate client will first need to download the installation package to the computer and connect the Rutoken EDS USB device.

If you encounter difficulties during authorization in the online banking system, it is recommended to contact the user support service by calling 8-800-100-50-05. The contact center operates 24 hours a day, calls within Russia are free.

The difference between Internet banking for individuals and legal entities

Initially, ZapSib iNet appeared to serve legal entities for whom service mobility is not a priority, unlike individuals. “ZapSib iNet” is a “heavy” system that requires a preliminary visit to a bank branch and the signing of an agreement for remote banking services, installation of additional software on a personal computer and connection of a Rutoken digital signature. Internet bank Zapsibkombank for individuals is an analogue of ZapSib iNet, working via an Internet connection. To get an account, just register on the credit institution’s website, log in and get to work.

Bonus program for users

Zapsibkombank bank card holders receive additional bonuses for purchases in Russia and foreign countries. 1 bonus is equal to 1 ruble, and accumulated bonuses can be exchanged for a discount of 99% of the purchase price. It is recommended to connect to this loyalty program in the Internet bank, section “Cards”.

Zapsibkombank took 4th place among the 36 best online banks of Russian banks in the efficiency rating
"Internet Banking Rank 2016", scoring 72.5 points out of 100 points as a result of the final assessment, according to the annual study of Marksweb Rank and Report LLC.

Internet Bank of Zapsibkombank took 8th place out of 43 published in the general list of the rating of the best Internet banking systems of Russian banks and outsourcing companies according to the rating agency RAEX (Expert RA)

0 RUB.

Internet Banking is connected and serviced free of charge.

By connecting to the Internet Bank service, you will have access to:

View information on your finances

  • View the balance for all your accounts, with a breakdown for each account
  • View the amount of upcoming payments for the month with a breakdown of information for each payment

Credit management NEW

  • View detailed information on your loans
  • Statements of loan payments, viewing the loan repayment schedule
  • Payment of the loan using funds from your card account, or a time deposit that can be written off, a “Demand” deposit and a “Current account”
  • Automatic repayment of loans according to settings specified by the client NEW
  • Submitting applications to the bank for partial/full early repayment of a mortgage loan with an annuity payment schedule. The bank will automatically execute the application according to the specified parameters NEW
  • Editing the name of loans / credit cards for display in Internet Banking
  • View loan/credit card details
  • Applying for a loan, viewing application history

Deposit management

  • View detailed information on your deposits, incl. Demand deposits, impersonal metal accounts
  • Viewing the accrual schedule for open deposits, as well as changing the interest rate by periods of the deposit term NEW
  • Statement of movements on your deposits, incl. Demand deposits, impersonal metal accounts
  • Deposit calculator: the ability to calculate the possible income on a selected deposit, compare the terms of deposits and income on them, incl. in graphical form NEW
  • Opening and replenishment of time deposits, incl. Demand deposits, using funds from your card accounts, as well as time deposit accounts that can be written off; deposits “On demand” and from “Current accounts” in rubles and foreign currency
  • Partial withdrawal and closure of time deposits, incl. Demand deposits, credited to your card accounts, as well as time deposit accounts; deposits “On demand” and “Current accounts” in rubles and foreign currency
  • Automatic replenishment of a term deposit using card account funds, incl. in foreign currency
  • Ability to edit the name of contributions NEW
  • Ability to download deposit account details, save them in PDF or print NEW

Savings goals

  • Selecting the type of goal (“For an apartment”, “For repairs”, “For vacation”, etc.)
  • Calculation of savings goal parameters (term of accumulation of funds for the goal, monthly payment, etc.)
  • Opening and replenishing savings goals using funds from your card accounts, as well as time deposit accounts that can be written off; deposits “On demand” and from “Current accounts” in rubles and foreign currency
  • Automatic replenishment of the goal using card account funds, incl. in foreign currency
  • Viewing the status of accumulation of funds for the selected goal
  • Partial debiting of funds / closing a goal with crediting to your card accounts, as well as time deposit accounts; deposits “On demand” and “Current accounts” in rubles and foreign currency
  • Viewing the history of savings goal management operations for the selected period
  • Uploading your picture for the savings goal
  • Editing target name NEW
  • Ability to download target account details, save them in PDF or print NEW

Transactions with card and current accounts

  • View a list of cards associated with an account
  • View detailed information on your card accounts and current accounts
  • Generating transaction history (statements) for card and current accounts for any period
  • Ability to edit account name NEW
  • Ability to download account details, save them in PDF or print NEW
  • Generating a certificate of income for all accounts

Operations with cards

  • View detailed information on your cards, incl. additional, open to a different name
  • View a graph of card balance changes NEW
  • History of transactions (statements) on the card for any period
  • Prompt card blocking if necessary
  • Setting card limits
  • Opening/closing the possibility of making payments on the Internet using a card. You can independently set limits on the number/amount of transactions on the Internet
  • Ability to edit map name NEW
  • Managing the BONUSES loyalty program
  • Connecting the “BONUSES” loyalty program to your own or others’ Zapsibcombank cards*
  • Ability to manage the Mobile Bank service: connect the service to one of your cards, change the phone number / password for the service, disable the Mobile Bank service.
  • Linking your cards opened in other banks and making transfers of funds from these cards to your Zapsibcombank cards
  • Ordering the issuance of basic, additional and virtual cards

Payments using card account funds* NEW

  • Payments in favor of federal and local service providers
  • History of completed payments
  • Automatic payments according to your schedule
  • Automatic payments when the personal account balance with the service provider decreases below the threshold value you set NEW
  • Saving payment templates for convenient later use
  • Automatic notification of the presence of unpaid traffic police fines issued on the territory of the Russian Federation and taxes. SMS alerts about found traffic police fines and taxes NEW

Translations* NEW

  • Transfers between your card accounts, as well as time deposit accounts, demand deposits and current accounts, incl. in foreign currency
  • Transfers to a Bank client using a mobile phone number that is connected to the “Internet Bank” and/or “Mobile Bank” service, using card accounts, as well as from time deposit accounts that allow the debiting of Demand deposits and from “Current Accounts” NEW
  • Transfers from your card account to the card of Zapsibcombank PJSC or VISA, Mastercard, MIR card of any Russian Bank
  • Transfers using any bank details based on a payment order to the Bank using funds from card accounts, as well as time deposit accounts that can be written off; deposits “On demand” and from “Current accounts”
  • Free transfer using bank details to pay off loans from other banks NEW
  • Transfers to Bank cards from your cards opened in other banks
  • Transfers from one card of a third-party Russian bank to another card of a third-party Russian bank NEW
  • Regular transfers according to your schedule between your accounts, from your card account to a card of any Russian bank, to a Bank client by mobile phone number, by bank details NEW
  • Saving translation templates for convenient later use
  • History of completed transfers

Non-banking products NEW

  • Purchasing insurance policies from IC VTB Insurance LLC: “Hello, neighbor!” - property insurance and “Fizkult-hello!” - accident insurance.
    Detailed information about insurance conditions can be found on the website www.vtbins.ru and in the insurance policy.

Expense statistics

  • View expenses by category for any period for all your card accounts or for each one separately
  • The ability to add your expenses (for example, in cash or using cards from other banks), they will be included in the expense statistics for the categories you specify

Frequent operations

  • Viewing a list of your most frequently performed transactions in Internet Banking
  • Quick click to repeat one of the most common operations

Alerts NEW

  • Displaying information about important events for your products
  • Ability to create your own alert. On the specified date, Internet Bank will display this notification
  • Sending alerts from Internet Banking to your specified E-mail NEW
  • Ability to manage notifications (turn on/off) sent by e-mail in Internet Banking NEW

Your personal offers NEW

  • View advantageous offers selected personally for you
  • Go to detailed information about the offer

Incognita

  • The ability to hide/open your balances in Internet Banking by clicking on the service button

Notifications

  • Viewing information messages about changes in the Internet Bank and in the Bank as a whole

Geolocation

  • Information service for searching and displaying Bank offices or ATMs on a map based on the parameters you specify.

Additional features

  • Changing your login/password to log into Internet Banking
  • Setting up SMS confirmation of financial transactions made in the Internet Bank using a one-time password
  • Saving your email address to receive profitable and individual offers from the Bank directly to your email
  • Saving data for payments (TIN / VU number, etc.) NEW

* The service is provided with a fee in accordance with the Bank's Tariffs.

Payment for services

The Internet Bank service will allow you to make transactions with bank accounts from anywhere in the world.

To do this, it is enough to have a personal or tablet computer, or any other mobile device with Internet access.

Details about connection

To connect and use the service, all you need is:

  • If you have a card from Zapsibcombank PJSC, fill out an application at any Bank office and receive a PIN envelope with an individual login and password to access the service ! You can also connect to Internet Banking at any ATM of the Bank;
  • Follow the link;

When connecting to the Internet Banking service at the Bank's office: Enter the login and password received at the Bank's office, as well as a one-time SMS password sent to your Mobile phone specified in the application for connecting the service.

When connecting to the service at a Bank ATM: Enter the login specified on the receipt and the password entered at the ATM when connecting.

How to use the Internet Bank service of PJSC Zapsibcombank for the first time:

  1. Connect to the Internet.
  2. Type the service address in the address bar of your Internet browser: (or follow the appropriate link from the Bank’s website);
  3. Select the login type “Login and Password”;
  4. To enter the service, open the PIN envelope received earlier from the Bank for the Internet Banking service, it contains login And password to access the service (top line - “Login”, bottom line - “Password”) and enter in the appropriate fields of the start page and click the button “ Continue" If you connected Internet Banking at the Bank's ATM, to enter the service, use the login specified in the receipt and the password entered at the ATM when connecting;
  5. Next, an SMS message with a one-time password will be sent to your mobile phone. Enter the one-time password from the SMS message in the appropriate field and click the button "Continue";
  6. Feel all the benefits of remote banking services with the Internet Bank service!

Attention!

The validity period of the password is limited and if the password is not entered into the appropriate field within 10 minutes, it will lose its validity and the authorization procedure in the Internet Bank service will need to be repeated.

If you have not received the password for the mobile phone you specified in the application when connecting to the service, contact the Bank's Customer Support Department by phone: 8-800-100-5005 (calls within the Russian Federation are free)

Security and safe use of the service

Compliance with basic security rules will allow you to protect yourself from scammers:

To enter the Internet Bank service, you only need a login, a password (issued by the Bank when connecting in the office or entered by you personally when connecting at the Bank’s ATM), as well as a one-time password sent to the mobile phone you specified when connecting.

Under no circumstances disclose your login and password to third parties, including Bank employees. No one has the right to demand that you provide this information. Therefore, remember your secret login and password and/or write it down without the “Secret Code” mark and, if possible, store it in a place accessible only to you.

Be sure to use updated antivirus software from reliable sources.

Check the address of the Internet Bank service in the address bar of your Internet browser, it should be . (if you see a different address, please notify the Bank immediately!). We strongly recommend that you save this link in your “Bookmarks” or in the “Express panel” for quickly launching your Internet browser.

Check for the SSL secure connection icon:

DO NOT INSTALL APPLICATIONS RECEIVED FROM SOURCES UNKNOWN TO YOU on your mobile phone or device to which the Bank sends messages with a confirmation one-time password. Remember that the bank does not send links or instructions to install applications to its customers via SMS/PUSH/MMS/Email messages.

If there are any suspicious messages, windows displayed, etc., please call the Bank's help desk at 8-800-100-5005 (calls within the Russian Federation are free).

Description of the main fraudulent activities

Beware - scammers!

PJSC "Zapsibkombank" reports that fraud against clients of commercial banks who manage their accounts through remote banking systems is highly developed on the Internet.

Fraudsters use various schemes to deceive clients, but most often, attackers distribute virus programs through various Internet resources (social networks, software portals, news portals, Internet forums). A client whose computer is infected, when trying to log into a remote banking service, is redirected to fake sites, which in appearance are practically no different from genuine Bank sites. On a fake site, most likely, you will be asked to enter personal credentials to enter the service (your username and password), mobile phone number, and possibly other personal data.

To protect against fraudsters, the Internet Bank service has a number of mechanisms, incl. confirmation of login to the service and financial transactions in the form of one-time passwords sent in an SMS/PUSH message to your mobile phone number specified during connection. We strongly recommend that you enable this option in your Internet Banking service in the Settings section.

NEW!

Fraudsters are becoming more creative and persistent.

The attacker calls a Bank client, posing as a security officer, and, under various pretexts, insists on installing a remote phone control program on the client’s device so that Bank employees can gain access to the device and secure the user’s money. After installing such a program, the fraudster gets the opportunity to act on behalf of the client and, having gained access to the Mobile application, steal money from the client’s accounts.

We remind you that Zapsibcombank employees never ask you to install third-party programs, provide a secret code from SMS/PUSH and other data.

If you have any suspicions about the identity of the caller, hang up and call the Bank back using the phone number on the card.

List of licenses

To protect the Internet Bank service, a set of measures is used, including software and hardware from specialized developers, confirmed by licenses for these products.

Connection security is ensured by encryption and confirmed by the COMODO High-Assurance Secure Server CA certificate