What BPS-Sberbank does

BPS-Sberbank (ОАО «Сбер Банк») is a Belarusian universal bank headquartered in Minsk, operating since 1993 as a subsidiary of Sberbank PJSC, Russia's largest state-owned bank. The company serves individual consumers, small and medium businesses, large corporate clients, and financial institutions through a multi-channel distribution model combining an extensive physical branch and ATM network across Belarus with a digital banking platform anchored by the SBOL mobile application (and SBBOL for business clients). The product portfolio spans payment cards (SberCard with up to 15% cashback through the "Спасибо" loyalty program), deposits (notably the "Сберегай" non-revocable BYN deposit at 13.32%-14.81%), consumer and auto credit (including LADA financing from 1.9% annually), SBPOS mobile acquiring for merchants, premium banking tiers (SberPremier, SberPerviy), safe deposit boxes, insurance and investment distribution, and specialized RKO services for residents of the Veliky Kamen industrial park. The bank monetizes through interest income on lending and deposit float, transaction fees on cards and acquiring, subscription-style fees on premium services and safe deposit boxes, and commission on payment transfers and currency exchange.

Underlying the franchise is a digital platform integrating ERIP (Belarus's Unified Settlement and Information System), YuMoney e-wallet identification, Belkart fuel cashback, and cross-border transfer rails to Russia, Kazakhstan, and Tajikistan via the parent. The 2026 SBOL redesign introduced the Giga-assistant AI and geolocation-based fraud prevention mandated by the National Bank of Belarus. Distribution also includes Telegram bot support, Huawei AppGallery and Google Play app distribution, and business events (e.g., Sber Practic Minsk, which attracted 350+ participants).

Customer segments are segmented by persona (youth, pensioners with preferential 13.32% deposits, non-residents), size tier (individual, SMB, large corporate), and geography (CIS cross-border corridors and the Veliky Kamen industrial park). Strategic direction as of 2026 emphasizes digital transformation, niche vertical capture (industrial park banking, premium segments), and competitive deposit repricing to defend retail funding base within Belarus's regulated banking market.

Name

BPS-Sberbank

Legal name

ОАО «Сбер Банк» (Open Joint Stock Company Sber Bank)

Website

https://bps-sberbank.by

Company type

Public

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

BPS-Sberbank is a Belarusian universal bank and subsidiary of Sberbank Russia, serving retail, SMB, large corporate, and financial institution clients in Belarus through branches, ATMs, and the SBOL/SBBOL digital platforms, with deposits, lending, cards, acquiring, and specialized services for the Veliky Kamen industrial park.

Ownership category

akta.pro rank

Headquarters

HQ city

Minsk

HQ country

Belarus

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Lending: The bank earns interest income through various credit products including consumer credits (ТОПи за своё), auto loans (LADA from 1.9% annually), and business financing (up to 1,125,000 rubles). Interest rates range from 1.9% to 14.81% depending on product type, currency, and term.
2. Deposit Operations: The bank accepts deposits from individuals and businesses, offering competitive rates such as 13.32% annually for BYN deposits for pensioners and up to 14.81% for standard BYN deposits.
3. Payment Services and Transfers: Commission income from money transfers, payments, and currency exchange operations. The bank offers transfers within Belarus and internationally (Russia, Kazakhstan KZT, Tajikistan TJS) via PАО Sberbank.
4. Card Services: Revenue from card issuance and maintenance, including the SberCard with loyalty program 'Спасибо' returning up to 15% cashback on purchases.
5. Premium Banking Services: Services for premium clients including SberPremier and SberFirst private banking offerings with exclusive benefits and higher deposit rates.
6. Acquiring Services: Mobile and traditional acquiring services for merchants enabling card payment acceptance, generating transaction fees.
7. Safe Deposit Boxes: Rental of bank safe deposit boxes (сейфы) for secure storage of valuables and documents.
8. Insurance Products: Distribution of insurance products through the bank's digital and branch channels.
9. Investment Products: Distribution of investment products including bank bonds and other securities to retail and institutional investors.

Pricing tiers

Go-to-market motion2 records

Distribution channels10 records

Marketing channels10 records

Core offering

BPS-Sberbank (ОАО «Сбер Банк») provides universal banking services in Belarus across retail, small business, large corporate, and financial institution segments. Core offerings include deposits, consumer and auto loans, business financing, payment cards with a loyalty cashback program, payment and transfer services, insurance distribution, investment products, safe deposit boxes, and premium/private banking tiers, delivered through branches, ATMs, the SBOL mobile app, SBBOL business app, and online banking.

Product overview

BPS-Sberbank (ОАО «Сбер Банк») operates as a universal banking institution in Belarus offering a unified digital banking platform with multiple integrated modules and specialized services. The core product is the СБОЛ (SBOL) mobile banking app, complemented by the SBOL for Business (SBBOL) mobile solution for corporate clients. The portfolio includes СберКарта credit/debit cards, SBPOS mobile acquiring for merchants, deposit products like «Сберегай», loan products including consumer credit «ТОПи за своё» and LADA auto loans, premium banking tiers (СберПремьер, СберПервый), the «Спасибо» loyalty program, and specialized services for youth, seniors, and non-residents. The bank also integrates with external payment systems including ERIP, ЮMoney, and Белкарт.

Differentiator

Problem solved

Functional benefit

Brands

• СБОЛ (SBOL): Digital banking application/mobile app for online banking services
• ЮMoney
• Сберское Спасибо
• Сберкот
• СберКарта (SberCard)
• СберПервый (SberPerviy)
• СберПремьер (SberPremier)

Products and services

• SBOL Mobile Banking Application
• SberCard (СберКарта)
• SBBOL Business Mobile Application
• SBPOS Mobile Acquiring
• «Сберегай» Deposit
• «Спасибо» Loyalty Program
• «ТОПи за своё» Consumer Credit
• LADA Auto Loan
• SberPremier Premium Banking
• SberFirst Private Banking
• Quick Business Credit
• RKO Package for Veliky Kamen Industrial Park Residents

Quantifiable outcome

• Interest rate on BYN deposits up to 14.81% annually
• +5 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, flagship and minor.

• LADA (AvtoVAZ)coreStrategic or Co-development PartnerSber Bank Belarus offers preferential auto financing for LADA vehicles starting from 1.9% annual interest rate. This partnership enables LADA to expand sales in Belarus through affordable credit options, while Sber Bank gains a steady loan portfolio. Marketing banner on website promotes LADA credit offers prominently.
• ЮMoney (YooMoney)coreTechnology or IntegrationSber Bank Belarus provides identification services for ЮMoney electronic wallets through SberBank Online for just 20 BYN. This enables Belarusian citizens to use Яндекс services and YuMoney payment system without restrictions. The partnership expands financial services accessibility.
• PАО Sberbank (Russia)flagshipStrategic or Co-development PartnerParent company Sberbank Russia enables Sber Bank Belarus to offer international transfers to Kazakhstan (KZT) and Tajikistan (TJS). The parent company provides technological platform, brand, and operational support. Sber Bank operates as the Belarusian subsidiary of Russia's largest bank.
• Huawei AppGalleryminorChannel Partner/ Reseller/ DistributorSber Bank Belarus distributes its SBOL mobile application through Huawei's AppGallery, enabling reach to Huawei device users in Belarus who may not have access to Google Play services.
• National Bank of the Republic of BelarusflagshipStrategic or Co-development PartnerSber Bank Belarus operates under regulatory oversight of the National Bank of Belarus and implements new security standards mandated for fraud protection. Geolocation data requirements and other security measures follow National Bank guidelines.
• Veliky Kamen Industrial Park AdministrationcoreStrategic or Co-development PartnerSber Bank Belarus created specialized RKO (settlement and cash services) package for residents of the China-Belarus industrial park 'Veliky Kamen'. This partnership serves Chinese and Belarusian businesses operating in the special economic zone.
• ERIP (Unified Settlement and Information System)coreTechnology or IntegrationSber Bank integrates with Belarusian ERIP payment system enabling utility payments, service payments, and fund transfers. SBOL app includes ERIP recommendations feature, enhancing digital payment capabilities for customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MTBank: MTBank is a privately-owned Belarusian bank offering retail and commercial banking, recognized for its digital products and card offerings. It competes with BPS-Sberbank in digital banking, card products, and consumer lending within Belarus.
• Alfa-Bank Belarus: Alfa-Bank Belarus is the Belarusian subsidiary of Russia's Alfa-Bank. It offers retail and commercial banking services in Belarus, competing directly with BPS-Sberbank across deposits, cards, lending, and digital channels.
• Priorbank: Priorbank is a Belarusian commercial bank (formerly Raiffeisenbank Belarus) offering retail and corporate banking services. It competes with BPS-Sberbank across the same product set in Belarus, including premium and digital banking offerings.
• Belgazprombank: Belgazprombank is a major Belarusian bank historically linked to Russian gas interests. It competes directly with BPS-Sberbank in retail and corporate banking, deposit-taking, lending, and digital banking services in Belarus.
• Belarusbank: Belarusbank is the largest state-owned bank in Belarus, providing universal retail and commercial banking services. It is the dominant player in the Belarusian market and BPS-Sberbank's primary direct competitor for deposits, cards, payments, and corporate banking across all customer segments.
• VTB Bank Belarus: VTB Belarus is the Belarusian subsidiary of Russia's VTB Group. As a fellow Russian-owned subsidiary bank in Belarus, it competes head-to-head with BPS-Sberbank in retail, SMB, and corporate banking, leveraging similar parent-bank technology and cross-border capabilities.
• Belinvestbank: Belinvestbank is a large state-controlled Belarusian bank offering a full range of retail and commercial banking products. It is a direct competitor to BPS-Sberbank in deposits, lending, payment services, and card issuance across the Belarusian market.

Emerging players

• T-Bank (formerly Tinkoff Bank Russia): T-Bank (formerly Tinkoff) is a leading digital-first bank in Russia, originally built as a remote banking platform. It is relevant to BPS-Sberbank as a benchmark for digital banking product design, app-led customer acquisition, and cashback loyalty models in the CIS region.
• Kaspi.kz: Kaspi.kz is Kazakhstan's leading super-app combining payments, marketplace, and fintech services. It serves as a comparable digital-first, ecosystem-based banking model relevant to BPS-Sberbank's SBOL ambitions and CIS expansion trajectory.

Broad incumbents

• Sberbank Russia (PJSC): Sberbank Russia is BPS-Sberbank's parent company and Russia's largest bank. While operating primarily in Russia, Sberbank's ecosystem, technology platforms (including SBOL), and brand directly inform BPS-Sberbank's positioning and provide its digital banking, correspondent banking, and capital backing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BPS-Sberbank