I will not praise the employees of Belarusbank or the bank itself. I will only tell you about the nuances I have learned in using the Belarusbank card - magnet.

Background

I became a user of this INSTALLMENT card in July. I already had experience using the Halva installment card. I thought this was a pretty good idea. Designed it.

Service

The cost of servicing the card is 1 bel. R. per month. (or 12 rubles per year). To make it easier to control card transactions, I highly recommend Internet banking. It's free. If MT Bank sends very clear statements by email, then for some reason this bank does not send statements. And it would be completely unrealistic to sort out the payments.

You can also order a statement at a bank branch. It's a tedious task: going to the bank.

Installment plan

I was never able to use the installment plan from Belarusbank itself. What can I tell you? the list of partners in my city is quite specific - several large stores and small private owners. So at the moment, installment plans are also a new thing for me.

In theory, everything is similar: purchase in the reporting month - installment plan at a minimum interest of 0.0001% per annum, repayment of amounts within the period allocated by the partner under an agreement with the bank.

Cashback

You can get a magnet card when paying with your own funds in partner stores. Based on the fact that there are few such stores in my everyday life, cashback is a dubious pleasure.

Overdraft

I respect my card for its (relatively) profitable overdraft. True, they are no installment plans, since I use an overdraft with interest.

In short, I’ll tell you about overdraft.

The bank will provide this loan until the end of the year. at stake- equal to the refinancing rate. It is quite profitable if you monitor rates on other banks.

Overdraft required repay in 6 months. Any parts. At least 1 payment at the end of the 6th month, at least several payments during the term. It is obligatory to pay only interest monthly. The deadline is convenient - until the 25th. For October - until November 25th. The amount % is sent via SMS to your phone at the beginning of the month.

After 01/01/2018 the promotion ends and the overdraft will be provided at a different percentage: SR + 3%

Redemption

because My main card is in Belarusbank, so repayment is absolutely easy. Translation within one person is free. The loan is repaid the same minute, no additional actions are needed.

Control over payment terms

and this is where the bank fails. Statements must again either be ordered or via Internet banking. and in the latter case, you can only get it in a month. In November, it will not be possible to receive a statement of receipts and expenses for September. Only if you ordered an extract in advance (in October, say).

The expiration dates are not visible on the statement. For me this is a minus.

This is my experience of using the Magnit installment card. A point was deducted for the fact that there was a “wide partner network” - they, of course, lied.

Update!

Attention. I got an installment plan

Now I can talk about purchasing goods in installments, because I recently came across a store that is a really good partner of Belarusbank.

And so, the whole point of the installment plan, as it turned out, is that the purchase amount is simply written off from your allowed overdraft (set for each individual according to certificates of income or turnover on the card), and interest is NOT charged on it. The bank does not send out any statements on this matter (unlike MT Bank). Therefore my actions are as follows:

Let's find out from the seller (or ask for clarification) installment terms(for example, 3 months), is it valid? promotion At the same time, you can ask to calculate your monthly payment. They are obliged to do this. Although private owners are not very keen on selling in installments, and sometimes they don’t even bother to clarify

We pay in installments using a card

For the next 3 months following the month of purchase, we pay in equal installments for the goods. no interest.

Magnet Features:

1. The allowed limit can be used both for installments and for cash, overdraft payments. those. this money can be used for any purpose (unlike Halva).

2. Repayment periods must be delimited and remembered, controlled - 6 months overdraft, strict terms from 1 to 12 months in installments at partner stores.

3. Find out what price is valid for installments, and whether promotions are valid for installments.

Belarusians are familiar with installment cards firsthand. MTBank was the first to present such a product on the Belarusian financial services market, and residents of Belarus immediately appreciated the advantages of the installment card. The largest bank in the country, Belarusbank, offered its installment card with the simple name “Magnit” to consumers only in 2017. But the previous experience of colleagues in the shop plus great trust from citizens helps the Magnit installment card to conquer the market.

In this article we will tell you about all the nuances of the work and use of Magnit, the largest bank in the country.

The principle of operation of the Magnit installment card is very similar to the principle of operation of a regular credit card. This means that you don’t have to keep your own funds on the card to make purchases. Purchases are paid for using an overdraft loan. It turns out that you buy, and the bank pays. A significant advantage of an installment card is, in fact, the installment service itself (up to 12 months) in the bank’s partners, plus incredibly low loan rates - 0.0001%.

The type of Magnit installment card is MasterCard Standard. This means that you can pay for purchases not only in Belarus, but also abroad. However, do not forget that the card currency is the Belarusian ruble. When making payments in foreign currency, funds will be debited from the card at the Belarusbank exchange rate. The validity period of the Magnit card is 3 years.

Conditions and tariffs for servicing the Magnit card

The one-time fee for servicing the Magnit installment card is 4BYN. The client pays this amount independently. If the amount of monthly non-cash payments on your installment card is more than 50BYN, further servicing of the card is free of charge. Otherwise, for every month for which you spent less than 50BYN, you will be charged 1BYN.

If you store your own funds on the card, additional interest is charged on this amount in the amount of 0.5% per annum.

In addition to installment plans, Magnit provides a service for returning part of the funds from purchases, and this is no more or less - up to 12% of the total transaction amount. Cashback is provided only if you pay for goods and services in the network of Belarusbank partners using your own funds on the card. Each partner individually sets the installment period and cashback amount. For example, Blakit branded home textile stores offer a 2% cashback. But the Kirmash department store is ready to return 7% of the purchase amount to its customers. You need to check the cashback amount with each partner individually or on the Belarusbank website.

"Magnit" of Belarusbank: installment terms

Installment terms for the Magnit card from Belarusbank are up to 12 months. This means that each bank partner has the right to set its own installment terms within 12 months. For example, branded home textile stores “Blakit” offer installment plans using “Magnit” for 2 months. But the Kirmash department store offers installments on Magnit for 7 months. You need to check the exact installment period with a specific partner or on the Belarusbank website.

Is it possible to withdraw money from a Magnit installment card?

You can withdraw money from a Magnit installment card. These can be any funds: both your own and overdraft.

Pay special attention! If there is an overdraft debt, any receipt to the account goes towards repaying this debt.

Where can you pay with a Magnit card?

You can pay with a Magnit installment card from Belarusbank wherever the international MasterCard system is accepted for payment. This means that you can resolve any financial issues both in Belarus and abroad. However, there are some nuances.

In the network of Belarusbank partners:

Installment plans are provided only in the network of Belarusbank partners and only on the condition that the transaction is made using credit funds. If you pay with a Magnit card in the network of bank partners using your own funds, then you can count on cashback in the amount of up to 12% of the total transaction amount. Every day the number of Belarusbank's partners on the Magnit installment card is growing and currently this service is provided by more than 9,400 organizations throughout Belarus.

Outside the network of Belarusbank partners:

If you pay for goods or services with a Magnit card outside the network of Belarusbank partners, funds are written off first from your own funds account. If there are none, then the operation is carried out using an overdraft loan. Please note that outside the bank's partner network, overdraft conditions are different. The interest on the loan in this case will be “refinancing rate + 6%”, a total of 16% per annum. The debt repayment period is 6 months.

Where and how can you apply for a Magnit card?

Applying for a Magnit installment card is very simple: everyone can choose the option that is most suitable for them. For example, you can leave an application online on the bank’s website, through Internet banking, M-banking, a Belarusbank information kiosk, or by calling the Contact Center - 147. You can also personally come to the nearest Belarusbank branch and fill out an application there.

You can ask any questions to a call center employee at 147.

How to top up a Belarusbank Magnit card to pay off debt

You can top up your Magnit installment card account using an ATM, information kiosk, Internet banking, mobile banking, as well as at bank branches.

When transferring from card to card, the bank may charge a commission of 1.5% to 2.5%, but if the cards are issued to the accounts of one person, the transfer is carried out without charging an additional fee.

Magnit card partner stores

Today, the list of Belarusbank partners includes more than 9,400 trade and service organizations throughout Belarus. Among them are department stores, grocery stores, clothing stores, pet supplies, repair and construction supply stores, restaurants and cafes, jewelry stores, car service centers and others. You can find a complete list of organizations on the official website of Belarusbank.

Convenient navigation will help you quickly sort out unnecessary options and find a suitable partner. The terms and conditions indicate the terms of the installment plan and the amount of cashback. Shop wisely!

You can see all partners of the Belarusbank Magnit card on the official website of the installment card:

• magnet.belarusbank.by/parthners

My city is full of shops "Magnet cosmetics". There is one literally 5 minutes walk from my house, so I often look there.

The store has a rich assortment!

What you can buy in the store:

* Decorative and caring cosmetics,

* Perfumes,

* Feminine hygiene products,

* Toothpastes and rinses,

* Children's products (baby cosmetics, diapers, wipes),

* Household chemicals,

* Household products,

* Goods for pets,

* Tights and even underwear.

* There is even an office.

The store is famous for the fact that every month there is a 15 or 20% discount on all products. Check the number at the store near you. Numbers and discounts are subject to change.

In addition, there are various additional promotions. There are almost always discounts on something.

I take a magazine and discount flyers in advance and plan my purchases.

The store sells a special Discount card .

Previously, you could get a discount without a card, but now all promotions and discounts T ONLY IF YOU HAVE A CARD.

The card costs 100 rubles.

I managed to grab it for 80 on sale!)

This is the card you need to get to save on purchases.

The prices seem quite normal and affordable to me, especially for promotions!

Yes, you can find some things cheaper.

But mostly on promotion days you can really save on something.

It is also important to me that these savings occur 5 minutes from home.

I also save on travel costs and save my time!

So, recently I came in and took this is the magazine, where current promotions and discounts are described.

It contained leaflets with promotions:

I took advantage of the "Beauty Day" promotion(25% discount on cosmetics) and bought myself some decorative cosmetics!)

I took my favorite concealer (I’ve bought it there 3 times already), Maybelline matte lipstick (I haven’t tried matte lipsticks yet), and a cuticle cleaner.

I enclose the receipt:

The savings amounted to 206 rubles.

The corrector certainly usually always costs 315, but with a 25% discount it cost 236!

I recently remember buying more tights, also on some kind of promotion.

So they cost about 100 rubles!

Not torn yet. Normal tights! I don’t really remember which company.

Now there is such a promotion on tights:

I also sometimes buy mascara there. I like Vivienne Sabo with collagen.

Are there any natural cosmetics here?

But since I really love natural cosmetics, I was also interested in the question: is it possible to find it here or is it not real?

Of course, most cosmetics are not natural.

But there are oils here, both fatty and essential. And I sometimes buy them here.

Oils are presented by Aromatika and Botanika.

In addition, here you can find companies such as Natura Siberica and EcoLab.

I classify their products as organic and pseudo-organic.

There are also products for children:

And animals. No one will be left behind!))

Official website: http://www.magnit-info.ru;
Attention: for more information please call 8 800 200-90-02 (daily, 8:30–21:00)

Magnit gives its customers favorable shopping conditions. In addition to promotions and bonuses within the network, holders of special Magnit products receive discounts under the loyalty program from partner companies.

How to get a Magnit card

Gift cards

If you find it difficult to come up with a gift for your loved ones, employees and colleagues, acquaintances and friends, then a Magnit Cosmetic gift card can be a great gift. The denomination of the Magnit plastic card can be different, depending on the amount you want to make a gift or an addition to the main gift. In stores you can purchase gift cards with the following denominations:

• 300 rubles;
• 500 rubles;
• 1000 rubles;
• 2000 rubles.

The gift card has an expensive, presentable appearance, made in the form of a plastic card with two barcodes and an indication of its denomination. You can purchase a certificate (card) at the checkout of any Magnit Cosmetic store in cash or by paying with a bank card.

Rules for using a Magnit Cosmetic gift card

1. The validity period of the gift certificate is one year (365 days) from the moment of its acquisition. After this period has expired, the card cannot be returned or exchanged for goods.

2. While the card is valid, the card holder can exchange it for any product available in Magnit Cosmetic stores at the prices prevailing in the store.

3. If the total purchase amount exceeds the denomination of the card, then the buyer has the right to pay the remaining amount in a way available in the store. If the purchase amount is less than the face value, then you need to get the product to the required amount, otherwise the difference in monetary value will not be returned.

4. You can use the certificate immediately after purchasing it. If the buyer has several gift cards, their denominations are summed up.

5. After paying for the purchase with a gift card, it is withdrawn. You cannot top up your card with cash again.

6. Since the gift certificate is not personalized, if the card is lost, it is not restored, and the funds are not returned to the buyer.

7. Damaged cards or cards with barcodes that cannot be read by cash register equipment will not be accepted for service.

8. In case of purchase of low-quality goods using a gift certificate, they are exchanged and returned in the store, in accordance with the general procedure, in accordance with the current legislation of the Russian Federation.

Additional information about gift cards can be obtained from consultants in Magnit Cosmetics stores, as well as by calling the toll-free hotline 8 800 200-90-02 . Follow! We always publish only the latest and most interesting!