Fee guide

A prerequisite for connecting clients to the service package is the conclusion of an agreement with the Bank on the use of the «Internet - Client» subsystem of the RBSS.  Clients connected to the main service package «SMART» have access to the electronic trading platform «E-Commerce Service «ShireKrug» (hereinafter referred to as ETP). Access and operation of the ETP is carried out upon registration of the client in the ETP in accordance with the local legal acts of the Bank on the operation of the electronic trading platform «E-Commerce Service «ShireKrug».

From the moment of connection to the «SMART» service package, clients have access to the FM «Marketplace» in the «»Internet - Client» subsystem of the RBSS.

• individual entrepreneurs - to the service package «SMART IE»;

• clients, with the exception of individual entrepreneurs, belonging to the category «»Micro and Small Business«» - to the service package «SMART MSB»;

• clients, with the exception of individual entrepreneurs, belonging to the «»Large and Largest Business«» category - to the service package «SMART LLB»;

• from the service package «SMART MSB» to the service package «SMART LLB» (when changing the client category from «Micro and Small Business» to the «Large and Largest Business» client category);

• from the service package «SMART UNLIMITED» to the service package «SMART LLB» (when changing the client category from «Micro and Small Business» to the «Large and Largest Business» client category);

• from the service package «SMART UNLIMITED» to the service package «SMART MSB» (when changing the category from «Micro» to «Small» in the «Micro and Small Business» client category);

• from the service package «SMART LLB» to the service package «SMART MSB» (when changing the client category from «Large and Largest Business» to the «Micro and Small Business» client category);

• current (settlement) bank accounts (including special accounts and subaccounts, escrow accounts and accounts to which corporate payment cards are issued);

•  charity accounts;

• trust management account.

• under the «SMART START» service package (in accordance with subclause 3.1.3.1 of clause 3);

• under the package of services: «SMART IE», «SMART MSB», «SMART LLB» (in accordance with subclause 3.1.3.2 of clause 3);

• under the package of services: «SMART UNLIMITED» (in accordance with subclause 3.1.3.3 of clause 3).

3.1.3.1. The «SMART START» service package is provided to new clients who, at the time of submitting an application to the Bank to open a current (settlement) bank account in Belarusian rubles (and (or) other accounts specified in subclause 3.1.2 of clause 3 of the Rules) within 12 months (inclusive) there are no current (settlement) bank and (or) other accounts with the Bank (including those opening a current (settlement) bank account in Belarusian rubles for the first time, in respect of which the registering authority sent an electronic application to the Bank through the AIS «Interaction» and (or) RBSS (if technically possible at the Bank) (hereinafter referred to as new clients).

If the client has a valid «SMART START» service package and subject to approval by the head of the Banking Services Center (an official performing his duties during a period of temporary absence, or performing work in the vacant position of the head of the Banking Services Center) (hereinafter referred to as the BSC official), director of the Largest Business Center (an official performing his duties during a period of temporary absence, or performing work in the vacant position of director of the Largest Business Center) (hereinafter referred to as an official of the LBC) a structural unit of the client (branches, representative offices, etc.), which, among other things, has its own UNP and can connect to a separate package of services «SMART START» (if it has a RBSS).

The «SMART START» service package is provided for 6 months, during which the subscription fee for this package is charged in the amount of 0.01 BYN per month (in this case, the month in which the client is connected to this package is considered a full month of service).

During the validity of the «SMART START» service package, the Bank does not connect the client to the additional «»PRO«» package(s).

The client has the right to connect to additional «PRO» packages under the «SMART» service package (when servicing within the «SMART START» service package) from the 7th month of service under the service package (after the expiration of the «SMART START» service package).

During the validity period of the SMART START service package, based on an application (including using the RBS), the client has the right to switch to the SMART UNLIMITED service package

Upon expiration of the «SMART START» service package, the Bank unilaterally, from the 1st day of the month following the 6th month of servicing the client under the «SMART START» service package, unless otherwise specified in the client’s application, transfers to service:

• individual entrepreneur – to the service package «SMART IE»;
• a client, with the exception of an individual entrepreneur belonging to the business direction «Micro and Small Business» - to the «SMART MSB» service package;
• a client belonging to the business direction «Large and Largest Business» - to the «SMART LLB» service package.

Categories and business directions are assigned to clients in accordance with the LLA, which regulates the procedure for segmenting corporate clients.

If the client is disconnected from the service package (based on the Application) within 12 months (from the month of provision of the «SMART START» service package), the client pays a fee (remuneration) to the Bank in the amount specified in subclause 5.1 of clause 5 of the «SMART START» service package.

The service period for a client connected to the main package of services: «SMART IE», «SMART MSB», «SMART LLB» is not limited.

3.1.3.2. The package of services: «SMART IE», «SMART MSB», «SMART LLB» includes clients who have a current (current) bank account(s) with the Bank (based on the Application) (and ( or) other accounts specified in subclause 3.1.2 of clause 3 of the Rules), as well as clients who, at the time of submitting an application for opening a current (settlement) bank account in Belarusian rubles (and (or) other accounts specified in subclause 3.1 .2. clause 3 of the Rules) there were no other current (settlement) or other accounts in the Bank.

For service packages: «SMART IE», «SMART MSB», «SMART LLB» the client pays a user fee regardless of the number of accounts serviced under this service package.

The client has the right to connect to additional «PRO» packages according to the service package: «SMART IE», «SMART MSB», «SMART LLB» on the day of connection to this service package.

New clients have the right not to connect to the «SMART START» service package and, when opening a bank account in Belarusian rubles, to connect to:

• the main package of the service package: «SMART IE», «SMART MSB», «SMART LLB»;
• a comprehensive service package, which includes the main service package: «SMART IP», «SMART IMB», «SMART KKB» and additional service package(s) «PRO».

The service period for a client connected to the main package of services: «SMART IP», «SMART IMB», «SMART KKB» is not limited

8.1. in the basic service package «SMART»:

• registration, connection (with the issuance of an EDS key) and use of the «»Internet - Client«» subsystem of the  RBSS;
• remote informing about ongoing operations, decisions made, events that have occurred under the bank account agreement (Viber/SMS/e-mail); 

* acceptance of cash in Belarusian rubles using an ATM equipped with a cash acceptance module, with crediting to the client's current (settlement) bank accounts opened in  JSC Belagroprombank (in the SMART START, SMART UNLIMITED service packages);

* acceptance of cash in Belarusian rubles with crediting to the client's current (settlement) bank accounts opened in  JSC Belagroprombank, through an automatic deposit machine (in the SMART START, SMART UNLIMITED service packages;

• on payment of taxes, dues (duties), other obligatory payments to the budget, state targeted budgetary and extra-budgetary funds, rent for land plots owned by the state (to personal accounts opened on accounts of group 36, excluding payments to personal accounts, opened on balance account 3632,3633, 3636); 

10.1. The fee (reward) for the crediting and payment of salaries and other payments to the current (settlement) bank accounts to which the cards are issued, under agreements concluded with clients within the range of service packages for corporate clients «BUSINESS - STYLE» (until 28.02.2019 ( inclusive), is carried out in accordance with the terms of the salary agreement.

For clients serviced before 31.08.2021 within the framework of the package for corporate clients «BUSINESS STYLE» («Unique salary») the fee (reward) is not charged for the services:

• «Crediting of salaries and other payments to the current (settlement) bank accounts of individuals to which a bank payment card is issued»,
• «Issue of bank payment cards«» economy class «»within the framework of a salary agreement» when connecting from 01.09.2021 these clients to the complex package, which includes the basic service package «SMART» and the additional service package «PRO» («Trade 2200»).

10.2. Fee for corporate bank payment cards issuing (including reissuance) issued by JSC «Belagroprombank» (except for urgent processing), as well as providing the XL package of SMS services - informing about corporate bank payment cards issued (reissued) as part of the service package «BUSINESS - STYLE» are carried out free of charge (award). 

13. Based on the application, the client has the right to:

13.1. switch without charging an additional fee for service:

• from the «SMART START» service package (within 6 months of servicing the client on this package) to a comprehensive service package, which includes the basic service package: «SMART IE», «SMART MSB», «SMART LLB» and additional service package(s) «PRO»;
• from the «SMART START» service package (during the validity period of this service package) to the «SMART UNLIMITED» service package;
• from one comprehensive service package to another comprehensive service package with other additional service package(s) «PRO» (in accordance with subparagraph 3.2.1 of paragraph 3 of these Rules);

13.2. switch to the SMART UNLIMITED service package with an additional fee (in accordance with paragraph 6 of the SMART UNLIMITED service package) from another service package, except for the SMART START service package.

The transfer of a client from one service package to another is carried out from the first day of the month following the date of the client's application to the Bank (including using the RBS).

• if the client refuses to connect to the Bank-Client subsystem of the RBSS, if the Agreement for usage of the RBSS subsystem is terminated at the client’s or Belagroprombank’s initiative, and in case the Agreement for usage of the RBSS subsystem is no longer valid

• if JSC Belagroprombank possesses information (the court decision) on the initiation in respect of the client of proceedings on economic insolvency (bankruptcy), or on the client being in the liquidation process;

• the presence of overdue debts to pay remuneration (fees) for settlement and cash services in the Bank.                 

The Bank disconnects the client unilaterally from:

• the date of closing all the client's bank accounts (at the initiative of the Bank);
• the date of closing all the bank accounts of an individual entrepreneur (due to the closure of business activities in accordance with the law);
• the date of re-registration of all bank accounts in Belarusian rubles by the legal successor (in the event of re-registration of the client's bank accounts during its reorganization while retaining previously opened bank accounts).

The Bank has the right to unilaterally disconnect the client from servicing under the service package after receiving information from government agencies authorized to maintain the Unified State Register of Legal Entities and Individual Entrepreneurs about the exclusion of the account holder from the said register. Information about the exclusion of the client from the Unified State Register of Legal Entities and Individual Entrepreneurs can be obtained from information from the registering authorities, published monthly in the newspaper «Respublika» in accordance with the law, as well as from information posted on the official website of the Ministry of Justice, the Ministry of Taxes and Duties, as well as from other sources provided for by the local legal acts of the Bank.

For clients whose service packages are disconnected at the initiative of the Bank, no fee (remuneration) is charged in accordance with paragraph 7 of the «SMART START» service package.

• for clients who are served under the «SMART» service package (with the provision of the «SMART START» service package) for more than 12 months;

• for clients who are serviced under the «SMART» service package (with the provision of the «SMART START» service package) for 12 months or less than 12 months and switching (based on the client’s application) to servicing under the service package for corporate clients «Self made» (according to package of services «Business») or under the service package for women's  entrepreneurship «WHAT WOMEN WANT» (without grace period);

•  for clients connected to other service packages; 

The servicing of the client under the service package (subject to the user fee for the service package) resumes on full payment by the client of the overdue debt on the fee (remuneration) for settlement and cash services in Belarusian rubles and (or) in foreign currency at the Bank (including the user fee according to service package):

• when repaying the debt on the first business day of the current month - from the 1st day of the current month;
• when repaying the debt in the period from the second to the last operating day of the current month - from the 1st day of the next month on  full payment of the overdue debts by the client.