Debit cards with cashback in belarus. Cashback with aliexpress in belarus

Hello everyone!

Every year there are more and more cards with cashback in Belarus.

There will be more than eight hundred of them, issued by different banks.

On the one hand, good.

On the other hand, it makes the choice a little difficult, especially for beginners.

That is why it often happens that people are mistaken at first, choose "plastic" with far from the best conditions, getting entangled in the offered variety, after which they complain: " Like, there is nothing good about it» !

But if you pick up cards with cashback in our brotherly Belarus with favorable conditions, you can really appreciate the benefits of such a step.

And even be surprised if you have never returned the money spent on purchases in the past, how great it is (and maybe you will even regret that you have not done this before).

Cashback exists. The money you spent paying with "plastic" for the purchase of goods or ordering services can indeed be returned. Not the full amount, of course. And a certain percentage of it.

It is beneficial to everyone

And there is no need to think that banks with shops provide customers with such an opportunity at a loss.

No matter how it is!

In fact, this is the thing everyone benefits from:

Agree, simple, but how ingenious!

Damn, the one who came up with such a scheme, perhaps, I would award the Nobel Prize!

However, on this hype, and without that, I suppose, he made some good money (not leaving others without benefit).

Pay attention to the conditions!

When you look at cards with cashback in Belarus with the expectation of choosing one of them, carefully read the conditions that are offered.

Sometimes it is worth missing out on a little thing, as a result of which the long-awaited refund does not occur.

There may still be some promotions that increase, for example, the amount of the return. It would be strange to issue an option to return interest on purchases and ignore more favorable terms.

How to choose a card with cashback?

So, a little distracted, although he spoke / reminded of quite important things.

But still, at the very beginning, I promised to tell you about the best cashback in Belarus, to list the most interesting options related to bank cards.

What cards in Belarus that promise money back can be considered the best?

Not only those that guarantee a high percentage, but also those that, along with the above, can offer:

• a large number of places where the possibility of applying a return arises;
• the attractive cost of the used "plate" - I mean its design, as well as service.

Reflection of the returned funds on the account is carried out most often at the end of the month. The client receives a notification about this via sms (for this, the corresponding service is connected).

Here, in principle, I have described the general order.

In the case of each individual card, there may be some individual differences (which can only be recognized by considering individual conditions).

In general, I'll tell you for sure: cashback in Belarus THERE IS!

"Magnet"

I'll start, perhaps, with the most popular "plastic" offering interest refunds in Belarus.

At its core, it is a credit card... Or, more precisely, an installment card. In fact, it is so popular because it is profitable: only 0.0001% per year, that is, the rate is almost symbolic.

Plastic type - Mastercard.

And it is issued for 3 years. Moreover, for all this time it costs only 4 Belarusian rubles (and if the turnover of funds exceeds 50 Belarusian rubles, the cost of service is not charged at all).

Another overdraft can be connected: up to 10 thousand Belarusian rubles, while the annual rate will be 14%.

How much is returned?

This is all wonderful, wonderful, but we are here to learn about the possibility of a refund of the money spent!

It is available.

• And its value ranges from 1 to 12 percent.
• The money that cardholders spend on purchases in partner stores is returned.

I cannot list all partners here (there are many of them, see the bank website), but so that you understand the scale, I will indicate some of the most famous:

• "Electrosila" (for purchases in this chain of stores you will be charged 5%);
• "Korona-Techno" (here you can wait for the accrual of 4%);
• "Svyaznoy" (use the services of this network, buy something here? Then get 3%) and so on.

All this means accruals for the month, which should usually be expected in the last few days.

Is it profitable?

Well, in general, the offers are not bad. Especially if you make any large purchases - then the return is tangible.

And the conditions for using the card are quite acceptable: the cost of service and interest rates.

On the other hand, the “plastic” is not specifically aimed at cashback.

It attracts people more as an installment plan.

But if you want to return, you can find more interesting offers: for example, some Belarusian cashback service. Although I talk about this in other articles.

"Velvet"

Pension card with cashback in Belarus.

Produced by Belarusbank, it is quite popular.

• Validity: 3 years.
• Issue cost: 11 rubles at the department, 12 rubles - remotely.
• Maintenance cost: none.

How will they please?

If your choice of a card with cashback on the territory of Belarus fell on this "plate" - get 1-12% return in partner stores.

List of partner stores:

• 3% "Euroopt" (when using Velvet, a discount on a discount card is not provided), "Neighbors", "Vitalur", "Belmarket", "Rublevsky", "Crown", "Prostore", "GUM", "TSUM"
• 2.5% in pharmacies
• 1% when paying in ERIP (utility bills, fines, etc.)

"Idea-Bank" and its "MORE"

Features of the card:

• Type: card with moneyback.
• Payment system: Mastercard.
• Validity: 3 years.
• Issue cost: free.
• Service: 15 BYN per year.

How much is "poured"?

Cashback size:

• 3% at gas stations (gasoline and other purchases), metro, hairdressing salons, exercise machines, water parks, sporting goods and bicycle shops, car washes and parking.
• 1% on other non-cash payments using the card. Not taken into account: ERIP, transfers from card to card, replenishment of electronic wallets.
• Partner stores: 5 Element, Kravt, Buslik, Mila, GUM, 7 Carat and others.

The maximum possible return is 500 BYN per month.

"Boomerang" from PriorBank

Features of the cardboard:

• Type: card with cashback.
• Payment system: Visa Platinum payWave.
• Validity: 4 years.
• Issue cost: 450 BYN.
• Service: free.

Why is it now cashback?

What do they give?

• Cashback: from 0.7 to 1.3%, when connected to the Key Kard Loyalty Program - up to 15%.
• Partner Stores: All shops and service points.

"Halva"

Here is another installment card that is in demand among Belarusians.

Its issuer is MTBank.

Cashback is credited only for your own spent funds, and not for credit.

• The popularity of this banking product can be easily explained by the following indicator: 0% rate.
• Well, and another such indicator: free registration.
• Although for 3 years the service will need to pay about 30 BYN.
• Card type - Mastercard.

How much is returned?

Well, here, in fact, what we are interested in specifically is the cashback conditions:

Moreover, more than 200 Belarusian rubles are not charged in one month. This is the maximum limit.

As for partner stores, there are - again - a lot, but I will remember a few of the most famous: "5th element", "Lamoda", "Zico" and so on.

"Card number 1"

Perhaps some people trust advertising too much and therefore will opt for a card with cashback from Alfa-Bank, considering it the best in Belarus only on the grounds that it is called “Card No. 1”.

However, this approach to choosing a proposal is fundamentally wrong.

Now I will explain why this banking product cannot be called “number one” in fact (and it really loses out in comparison with other analogs).

• The "plastic" itself is issued for 3 years, for which you will need to pay only 1.99 BYN.
• And for the annual service you have to pay 11.88 BYN.
• Here, in principle, the indicators are normal. Or rather, acceptable.

How much is returned?

But what about the return?

Accrued:

• 1% - when making any purchases;
• 2% - when making purchases in one of the offered categories.

• cars;
• food and groceries;
• travels;
• entertainment;
• family and personal expenses;
• sport.

Plus, on the bank's website, read a whole list of transactions for which a refund is not charged - even in partner stores.

For example, according to MCC code 5411.

By the way, this code is used for most of the purchases in Belarusian hypermarkets.

"CashALot"

As for the cashback from Belagroprombank, the Kashalot card is best suited here.

Such is the naval name, which, in fact, has nothing to do with the okiyanu sea.

Those who are familiar with English will easily understand: "A lot of money."

It remains to be seen: a lot - are those that are spent, or those that are returned?

How much is returned?

The cashback size here is:

• 1% - when you buy goods, paying by bank transfer, in stores that are not partners of this bank;
• up to 5% - if you make purchases in partner stores.

This banking product can be ordered "online", although it is not virtual in itself, but quite plastic.

"PayOkay"

This card from Mastercard can be ordered free of charge at MTBank, it is called PayOkay.

It is usually issued for 3 years with the condition of paying 19.9 BYN annually.

One of the "chips" of the card, that is, for what it is chosen, - free insurance if the owner travels abroad... This will make it easier to get a visa. Well, you can pay with this "plastic" in any European country without any problems.

However, I, as always, get distracted, but we need cashback.

How much is returned?

The accruals are as follows:

• 1.5% - for all payment transactions (except for a number of transactions listed on the MTBank website);
• 3% - when the buyer pays for one of the MCC codes (a new promotion is carried out quarterly);
• 5% - booking hotels on the "Booking", Tax Free refund.

Funds on "plastic" should be expected not at the end of this month, but at the beginning of the next.

However, they say that when the funds are returned from Booking, there are delays, since payments are processed directly on this site for a long time.

That concludes with the cards with cashback in Belarus.

Wouldn't it be better to use interest return services?

You can see for yourself that the conditions on cards from Belarusian banks in 2018, in general, are not bad, but I would like something more interesting.

But I have named some of the best options.

Perhaps it would be more logical to find some kind of cashback service in Belarus?

"SecretDiscounter"

The most that neither is the Belarusian project. My favorite.

The reason is good return rates + charity.

Read more about this site, it smells of warmth and reliability.

"JustCash"

Also the site of our smaller brothers. I don't know much about him, but if you're interested - //justcash.by - the official site of the project.

UPDATE-2018... Wrong, the service is UKRAINIAN.

In principle, most of the Russian-language services, the services of which are used by the citizens of the Russian Federation, work without any problems in this country.

In Belarus, they actively purchase goods through ePN cash back, Letyshops, Megabonus, KopiKot.

How profitable it is, I will probably consider in a separate topic, since it is necessary to consider not only services and their offers, but also categories of goods and stores.

But - for example - by purchasing goods in the "Aliexpress" I have already mentioned, you can get back:

• from 5.5% in "ePN" and "";
• from 5% in Letyshops;
• from 4.55% in KopiKot.

And here I have named the minimum figures.

In comparison with bank offers, these options turn out to be more profitable.

conclusions

Nevertheless, more people use "plastic" than services, because they focus not only on returning money spent, but also on other possibilities of a banking product: on installments (if it is a loan product) or simply on keeping personal funds (if it is about debit card).

Let's summarize.

You read the terms above.

You and choose what suits you the most. Personally, according to the terms of cashback, I like the "Magnet" installment card more than others.

Be that as it may, do not miss a good opportunity to save money on the purchase of goods or ordering services.

Short. What is this all about?

Before we begin to understand the percentages, amounts and benefits, let's give the floor to the bankers. A little over a week ago, we sent the same list of questions to all banks that have a money-back function on their cards. We asked you to explain the mechanism for determining rates on refunds, explain the situation with MCC codes and tell how often they have changed interest rates lately. Out of 17 banks, only 8 answered our questions. The rest, apparently, ignored the letters.

How do banks set return rates and what do they depend on?

- Cashback has two components. Firstly, this is an affiliate cashback, which is formed by a partner - a store or a retail network where you buy something. Thus, the partner compliments you for the fact that the choice fell on him. Secondly, it is a compliment from the bank, which is formed at the expense of interbank fees. The bank spends part of it on the development and maintenance of the service and payment infrastructure, on ensuring operability, and part of it is given to the client,- told in "Belgazprombank". The size of the cashback is set based on the economic efficiency for the bank and the attractiveness for the client, explained in Idea Bank and Belarusbank.

Alfa-Bank, Bank Dabrabyt and Priorbank also refer to the preferences of a certain target category of cardholders and the type of product (for example, sports fans, party-goers, motorists, etc., for whom cashback for goods and services from their favorite category can be upgraded). - The interest rate of cashback may depend on agreements with a partner or on the terms of payment systems,- noted in "MTBank".

How have cashback interest changed over the past two years and why?

As they said in Priorbank and Alfa-Bank, in recent years, the percentage of return on their cashback cards has not changed (however, Alfa-Bank simply stopped charging cashback using the 5411 code). At Bank Dabrabyt, he says that the interest has only increased - from 0.5 to 2. MTBank says that every month it assigns an increased cashback in one of the categories. But in "Belarusbank" they say that in recent years they have both increased the percentage of return on various categories and decreased it. The interest on cashback also decreased in Idea Bank. They claim that it was only once in two years - May 1, 2018. Then the percentage of cashback on standard transactions decreased from 1.5 to 1. - After analyzing the offers on the market, we thought that with a decrease in cashback, we would preserve the attractiveness of our products relative to competitors and this would allow us to provide other benefits to our clients. For example, now customers can replenish cards for free through ERIP within a certain limit for a month,- noted in the bank.

- Over the past two years, there has been an active discussion within the financial community about the size of the interbank remuneration. The point of view wins that it should be reduced,- experts of "Belgazprombank" say expertly. - Accordingly, certain steps have already been taken by the payment systems, which has led to a reduction in interbank fees for individual MCCs. Banks were forced to reconsider the conditions for their "cashback" products and reduce the amount of cashback. In turn, we are closely following the European experience, where interbank fees were significantly reduced several years ago. This decision was justified by the high load on trade in terms of paying commissions to banks for accepting bank payment cards. As a result, this led to the disappearance of cashback, that is, the consumer stopped receiving compliments from both the bank and the partners of cashback programs.

At the same time, no one has yet been able to confirm the hypothesis of a decrease in the cost of goods and services in stores for the consumer. Also, the European consumer lost in the choice of free cards, there were commissions for international transactions. The result was a situation in which the seller got the benefit, and the buyer lost both in cashback, in the cost of goods, and in the cost of banking services. Applicable to Belarus as a member of the EAEU, an interesting situation may arise: what prevents a client from opening a current account in a Russian bank with a card replenishment service and using a Russian card in Belarus, receiving cashback here?

Does your bank need to know the MCC and how often do they change?

For the client to know the MCC-codes (codes with the help of which payment systems understand what the trade object is doing: for example, that it is a store with food products), Dabrabyt Bank stands. But almost all other banks believe that there is no need to remember the MCC, since the codes change very rarely.

- This code can only change in the event of a change in the activity of the outlet,- explain in "Priorbank". - In practice, codes change extremely rarely, however, there are no formal restrictions on the frequency of changes,- add specialists of "Alfa-Bank". Idea Bank states that all codes are on their website, and the client himself can see the MCC of a specific operation and the amount of cashback that will be credited on it in the card statement.

So far, only one bank from the respondents believes that learning MCC codes is an extra work and the last century.

- The MCC code is assigned to a merchant depending on the type of his activity. These categories are enshrined in the operating rules of payment systems. Accordingly, when a bank connects a store to acquiring, the declared type of activity of the store is compared with a certain MCC code. Further, this information "goes" in transaction data from the acquirer to the issuer,- they say in "Belgazprombank". - If the client is interested, then you can find out the size of the cashback in relation to the MCC only by experience: I went to Euroopt, and after the purchase, I saw that the cashback was 0.5%, and in another store it was different. Accordingly, the client will draw conclusions for himself for the future. We understand that the cashback at the expense of the "interbank" is small, so we went in the direction of attracting partners, mentioning brands, and in this situation on the Cashalot website we clearly state what kind of cashback a particular partner will have. It is much clearer for a person to navigate purchases than to understand Talmuds with MCC codes.

Has the return rate for MCC 5411 decreased and why?

As a reminder, MCC 5411 is the code for supermarkets and grocery stores. In the past year, many customers have noticed that the cashback for purchases of goods in chain stores has suddenly decreased. Although it was the purchase of products that gave many a stable return. Few of the banks explained the situation. So what happened?

The cashback interest rate for the MCC 5411 code has been reduced due to a change in the policy of international payment systems. The new conditions made maintaining the same cashback rate for this code unprofitable for banks. In some banks, the payment on it was even completely canceled, noted in "MTBank".

- Yes, we at MTBank have reduced the rate on MCC 5411 for a number of our cards due to the new conditions of international payment systems, - experts say.

Alfa-Bank and Belgazprombank also lowered the rate and explained why.

- Banks have limited bonus accruals for MCC 5411 due to changes in the policy of payment systems. Simply put, for this code, the size of the interbank remuneration has been significantly reduced, and the new conditions made it impractical to keep the cashback on it,- noted in "Alfa Bank".

- Interest decreased due to changes in interbank fees. Note that in Europe they decreased under the influence of retail chains. At the same time, banking products there became expensive,- added to "Belgazprombank". At the same time, "Bank" Dabrabyt "," Belarusbank "," Priorbank "," Idea Bank "," Belinvestbank "declare that the rates under the code MCC 5411 were not reduced and everything remained the same.

What is the maximum cashback amount returned by banks?

Can I get a refund when buying an apartment or car?

Of course, it would be tempting to buy an apartment, for example, for $ 100,000, to receive a refund of at least $ 1,000. Unfortunately, as we learned, such an option is impossible in Belarus. The fact is that when calculating cashback, you need to pay with a card through the terminal of the same seller or service provider. Construction companies, according to the law, cannot install terminals and accept money from customers, all payments go through the bank. And in this case, cashback will not be credited. The situation is similar when buying a secondary property - even if you buy an apartment.

But there is good news as well. Car dealerships and even car dealerships can conduct an operation through the terminal. This means that there are definitely chances for a refund. In some cases, there is a chance of getting back more than 1.5-2%. This applies to affiliate programs of banks and merchants. Just do not get fooled by the seller's persuasion to pay through ERIP, because in many banks cashback is not charged with this payment method. And if the seller continues to persuade, insist on your own: according to the law, you must be given the right to pay both in cash and by bank transfer.

What cashback will Victor receive with an income of 1000 rubles?

So that banks can clearly tell about the cashback amounts, we simulated the situation. Here is Victor, who receives 1,000 rubles a month. At the same time, he spends 300 rubles on purchases in large retail chains, 200 on clothes and household chemicals, 100 on refueling a car, leaves 100 in cafes and bars, spends 60 on communal services and the Internet, and 40 on the phone.

Belgazprombank - 19.4 rubles

Let's take a look at the example of a Cashalot card and an affiliate network. Victor spent 300 rubles in grocery retail: 150 in Green (2%) and 150 in Hippo (2.5%). 150 rubles were spent on a couple of shirts at Eliz (2.5%), 50 - for household chemicals (1%), 100 - for refueling (0.5%), 100 - for cafes and bars: 30 rubles for coffee at KawaUP ( 10%), 70 - bowling in the Stream bar (7%). And there was also a "communal apartment" and a telephone - only 100 rubles and 0% cashback. Victor is great, he still saved 200 rubles. As for the cashback on his spending, he returned 19.4 rubles from 800 rubles spent, or 2.4% of his monthly spending. On the scale of the year, this is a little more than 230 rubles.

Idea Bank - 9 rubles

PartCard: 300 × 1% + 200 × 1% + 100 × 1% + 100 × 3% + 60 × 0% + 40 × 0% = 9 rubles. "More" card: 300 × 1% + 200 × 1% + 100 × 3% + 100 × 1% + 60 × 0% + 40 × 0% = 9 rubles.

Alfa-Bank - 12 rubles

Suppose Victor has issued “Card # 1” and set his favorite category “Food and shopping”. As you can see, the amount of transactions in this category is 500 rubles. If MCC 5411 is not installed in retail chains, the cashback amount for your favorite category will be 10 rubles, and for other operations - (100 + 100) × 1% = 2 rubles. Cashback is not calculated for payments for utilities, internet and telephone. Thus, the total cashback amount will be 12 rubles. If retail chains have been assigned MCC 5411, the cashback amount for the favorite category “Food and Shopping” will be 4 rubles, and the total cashback for “Card No. 1” is 6 rubles.

"Bank" Dabrabyt "" - 8 rubles

For 300 rubles spent in supermarkets and large retail chains, Victor will receive 3 rubles, for 200 rubles for clothes and household chemicals - 2 rubles, for refueling a car - 1 ruble, for spending in cafes and bars - 2 rubles, for a "communal apartment" and the internet is nothing. In total, for the spent 800 rubles, Victor will receive 8 rubles of cashback.

Priorbank - from 4.9 to 9.1 rubles

Cashback does not apply either to the payment of "communal", or to the payment of communication. Therefore, Victor will receive 4.9 rubles on the Belkart pension card (cashback - 0.7%), on the pension Visa Classic - 10.5 rubles (1.5%). On Boomerang cards the following amounts will be obtained: Visa Classic / Mastercard Standard - 4.9 rubles (0.7%), Visa Gold / Mastercard Gold 7 rubles (1%), Visa Platinum - 9.1 rubles (1.3% ).

Belinvestbank - from 3.5 to 4.9 rubles

With the BIB Comfort card, you will get 3.5 rubles cashback (0.5% excluding the payment for utilities, telephone and Internet), with Mastercard Gold, Visa Gold, Visa Platinum or Visa Infinite cards with BIB Bonus loyalty programs - 4, 9 rubles (0.7%). Belarusbank noted that it all depends on what cards Viktor will use, since the maximum amount of cashback you can get when making purchases in partner stores is up to 12%. MTBank responded in the same way. - Cashback interest rates can and will differ depending on the card the client uses, since there are separate loyalty programs for Halva, PayOkay, Avtokarta, MTBank-Crown cards, respectively, depending on which card Victor will use, the cashback size will also vary,- concluded the bank's experts.

A great guide to cashbacks of all banks in the country

We have placed all the banks in alphabetical order to make it easier to search. And then there is a clickable list, by which you can immediately go to the desired bank.

"Alfa Bank"

"Belarusian Narodny Bank"

It has its own cashback accrual system, which is not at all similar to those that exist in other banks. To get cashback at BNB, you need the percentage of non-cash expenses on the card to exceed 20% of the total turnover on the card. For everything that is higher, 1% cashback is charged. True, there is a "but": not all transactions are included in the amount of non-cash turnover (details). Interestingly, cashback is connected to some cards for money. The service costs $ 5. It can be connected to salary or other cards (cashback is included in premium cards by default). The service is connected to accounts in Belarusian rubles for clients who have received any of the debit cards (Optima, Maxima, Gold, Platinum or Infinite) or a salary card to the corresponding account.

"Bank BelVEB"

You can read the conditions for calculating cashback. They have an important nuance that is characteristic not only for this bank, but also for many others: if you terminate the agreement with the bank before the cashback payment date (this is the 15th day of the next month), then you will not receive it.

Belgazprombank

The bank issued a special card with Cashalot cashback. See full conditions for this card. And in paragraph 10, read the conditions for cashback.

Belinvestbank

The bank has a loyalty program BIB Bonus. To participate in it, it is not necessary to issue additional cards, you can “upgrade” already existing salary cards (of course, there are a lot of problems, but we only met such an opportunity here).

"BPS-Sberbank"

It is very difficult to find cashback conditions on the site, there is no separate tab for cards with it. To find out for which transactions cashback is not credited, I had to tinker. Catch a life hack: follow the link, scroll down to the word cash-back and click on it - you will see a list of operations for which cashback will not be credited. And one more "trick": like other banks, BPS-Sberbank has stopped charging cashback code 5411 (supermarkets and grocery stores) since November 2018.

"Idea Bank"

The bank's website is perhaps one of the most understandable tabs for debit cards with cashback. Firstly, it is easy to find, and secondly, there is information not only on the size of the cashback, but also on the cost of issuing cards. Also, for each of the cards in the "Details" tab, the limits for operations are indicated.

And I provide screenshots of reviews.

ATTENTION! These are pictures - so as not to write the same thing, which you can see from the link above.

ATTENTION! There are 1500 pages - you will find what you are looking for EXACTLY!

The service of return of interest for purchases of goods and services is exactly the tool that will save money, therefore, its choice should be approached with full responsibility.

• This top service is originally Belarusian, so there can be no unnecessary questions.
• Customers in their reviews note the simple registration and user-friendly site, good reviews.

What they like most is that new users are given VIP status for the first ten days, and this means - rates increased by 30%!

• People are also pleased that you can find promotional codes and coupons for individual stores inside the site itself.
• In addition, the resource constantly carries out promotions with increased store rates, which are periodically replaced.

They praise the fast and intelligent technical support that works 24/7.

Although I had not used it before, I decided to check it - it turned out that they actually respond within a minute - that's the speed!

Well, the fact that "Secret Discounter" has the largest selection of stores in the CIS has not gone unnoticed.

And only he has offline cashback - here again Belarusians are more fortunate, since most of the points with such stores are located there, so we wish the service further growth.

And now about the negative

I met only one negative review for this service - on Otzovik.

He has nothing to do with cashback from Aliexpress in Belarus.

The bottom line is that the man did not learn the detailed rules, did not see the preposition "Do" in the store description: the return there was up to 4 percent, but in fact he received about 2.5%.

Well, you have to be more careful.

Moreover, he entered the price of his product in the online calculator "Secret Discounter". But the service right under this calculator writes that its function is purely demonstrative, and the full conditions should be read on the store page! In general, carelessness destroys everyone.

What else do they write negatively?

People are waiting for the apps for mobile phones that Secret Discounter promises to release.

But I, on the contrary, am glad that the applications do not come out, because when ordering from the phone, there is much less chance that the return will reach the user due to the fact that cookies are transmitted according to a different scheme, and they are responsible for the cashback.

My thoughts

For some reason, they do not talk about this in the reviews, but "Secret Discounter", or rather its founder, is just great, because it donates 10% of its income to charity.

If you are not indifferent to other people's problems, then you yourself can send cashback from Aliexpress or any other store to the help fund on the site. Moreover, you can transfer any amount - at least the entire percentage, at least part of it.

Other services

"EPN Cash back"

This service also operates in Belarus, so everything is easy with reviews and conclusions.

It turned out that the domain ".bz" belongs to the country of Belize, which is in Central America and has a beautiful coastline.

How does this site attract customers with purchases from Aliexpress and not only from Belarus?

Here the minimum amount for withdrawing your funds is 20 American cents. That is, I ordered the headphones - I took out the money and there is no need to save.

We have two popular sites with reviews of ordinary people:

So if on the first one there is only one negative review out of 33, then on the second one is 61 out of 126.

To be honest, I don’t know what is the reason for such different indicators.

Maybe someone buys positive ratings to raise their reputation, or negative ones to flood a competitor?

Let's see what people are complaining about.

Negative…

That single negative review for Hayrecommend tells us that.

Well, we already know that.

The girl decided to order a mobile phone from China and for some reason she was counting on a 10% rate.

But on phones, there was no such cashback rate from "Aliexpress" for Belarus, nor for the Russian Federation, nor for Ukraine and Kazakhstan, because the equipment is expensive.

That is, again inattentive reading of the conditions.

Why am I telling you this?

Because most often people themselves are to blame for their problems because of their carelessness.

But not always.

For example, on other resources there are often reviews about cashback from "EPN" that accounts are being blocked.

Often there are complaints about their affiliate program: sales through links go, but money is not credited, since the resource says that these are bots.

I met an interesting negative in one of the reviews.

Madame complains that it is impossible to get cashback from Aliexpress for goods after purchasing them - but how does she imagine that?

Will you attach the check?

Does she even understand how interest returns work?

Cashback - motivation for buyers to spend more on NEW purchases.

Well, the most frequent complaints in reviews about the cashback itself, and this applies not only to Belarus and Aliexpress: the refund was not confirmed, the money is withdrawn for a long time or not returned.

Allegedly, the greater the amount of interest, the higher the likelihood that you will be dumped.

I myself have not come across this, but similar opinions are repeated from review to review.

What's the plus?

The main advantages of the service are its interest rates - they are not low - and the minimum wage for withdrawal.

The choice of shops here is not very large, but maybe this is for the better - less money will be spent on shopping.

"Letyshops"

• Take a walk on my blog, see how much I have written for different stores and products.
• Now imagine that Kopikot won only one battle, I don't even remember with whom.
• The site is not profitable, so I almost never recommend it.

But since it is possible to withdraw cashback from orders from Aliexpress in Belarus, I decided to write about it as well.

I often call “Kopikota” by repeating “Letishops”, since the conditions are the same, the rates are often the same, the minimum wage is the same - 500 rubles.

And the situation repeats itself again.

As for me, the difference is significant.

What's wrong with the "cat"?

In principle, I have already listed what Kopikot does not shine with, but let's see if the reviews can surprise us.

To be honest, the very first review on Otzovik (how this tautology annoys me) surprised me.

• The girl was paid cashback only for the first order, and then they just scored.
• If the return came for the first time, it means that she knows how to do everything correctly. But what then prevented the next cashback from being credited?
• We will never know.

This uncertainty always bothers me a lot. I have never seen anything like this about SecretDiscounter - cashback is always credited both from Aliexpress and Ebey. There is beauty in Russia and Belarus.

Let's go back.

While we continue to wash the bones "Kopikotu".

The main complaints are directed to the fact that cashback is being checked for too long.

Services can be understood, they are afraid of the return of goods and money leaking right out of their hands.

But not to keep the gold for three months!

That is, I ordered a present for myself on Aliexpress for the new year, in February it came, and the money should be expected around April 1st.

If they come at all.

Not only will it take a long time to wait, but it will take a long time to save them up to the minimum wage of 500 rubles.

Therefore, people do not want to bother with "extra actions for a penny." I just recommend choosing reliable guys right away.

"Megabonus"

Yes, not only in Belarus, but all over the world.

Only now you cannot do this with the IP of Nigeria and China. Okay - Nigeria. But in China, why don't they pay cashback for a purchase on Ali?

What about the support of a domestic manufacturer?

(the service, for using its services, returns to the client a certain amount of money from the purchase). But over time, having studied the services in other countries, I realized something: cashback in Belarus is a much more complex and separate world, which has its own laws and rules compared to the rest of Europe.

Withdrawing funds for Belarusian citizens is also not as easy as, for example, in Russia. Therefore, I decided to talk about how you can save money using cashback services in Belarus.

What is the article about?

He who seeks will find!

I, as a person who initially had nothing to do with the wonderful world of the Belarusian cashback, of course, immediately started looking for services in Belarus through search engines. As a result, I discovered just a myriad of them.

However, my joy was premature. It soon became clear that at least half of them were fraudulent organizations.

Even then, I realized what advice I need to give you in the first place: try to bypass one-day sites (like Cashbury), with an abundance of suspicious reviews with clearly inflated likes.

I'm not entirely sure who this cheap trick is intended for, but in general, scammers are quite easy to detect - one way or another, the users themselves bring them to clean water.

Scammers under the guise of a cashback service

Well, okay, I'll spare you the details of my wanderings through the vastness of the network. I will only say that I acted by trial and error.

But now I can immediately name a cashback service in Belarus, which is 100% not used by cybercriminals to steal your funds, and which you, as an average user, can safely draw on a pencil - it is called Letyshops.

Letyshops

This is the most popular service in the CIS for returning money spent on sites like Aliexpress.

I will tell you about my impressions of working with the service, its pros and cons, and other nuances. I can immediately express the general impression in two words: the service is decent.

• So, I studied the interface and terms of use for some time, until I noticed the following function in the withdrawal options: "Mobile phone replenishment" for the Republic of Belarus. This immediately gave me an additional plus to this service, because it is really a very necessary function. Here you can immediately note that Letyshops is by far the most convenient cashback service from aliexpress and other stores in the Belarusian segment.
• Then I installed the appropriate add-on for Chrome, which automatically counts purchases, went through a short registration and then used the service freely.

And yet, initially, the percentage of cashback does not attract attention as much as in other similar foreign services, as in, for example.

However, this is not the main advantage of Letishops.

I will highlight the main advantages of Letyshops:

• First of all: permanent promotions with increased (mostly double) cashback;
• Secondly: a cumulative bonus system, according to which the more the client buys, the higher the percentage of return will be;
• Third: excellent Russian-language technical support. All the questions that I had along the way, I received quick and informative answers;
• Fourthly: the number of stores around the world is not less than 900, of which most are scattered throughout the post-Soviet countries, and even in small towns one way or another there is one such store.

I would also like to note: cashback is credited in different ways, and depends on the policy of the store itself.

But with the withdrawal of money, all the rules. The funds arrived promptly, after which an electronic notification came. Although I know that some users have problems with enrollment.

Using special promotional codes allows you to get an increased cashback

In Letishops, there are so-called letikodes - these are promotional codes that increase the size of the cashback.

For example, letikod ALIEX_SALE increases the amount of your cashback by one and a half times for two days (this applies to all well-known Chinese online stores:

• Everbuying;
• Tinydeal;
• Buyincoins;
• and etc.

You can use a browser extension, but it is often stupid and can leave you without a cashback.

You must first register with Letishops, and then join all official communities and groups to receive up-to-date information.

Of course, nothing is devoid of its shortcomings. The disadvantages of the service (in my opinion) include the following aspects:

• there is no official mobile app yet;
• the initial withdrawal amount is 500 Russian rubles (for some, this amount is very significant);
• not the highest, especially in comparison with some foreign competitors, the percentage of cashback (however, it is compensated by regular promotions and bonuses).

Thus, Letyshops today is one of the best cashback services from Aliexpress in Belarus, if not the best cashback service on Aliexpress in Belarus in general.

The service takes into account the financial climate in this country (and not only in it), has high-quality service, as well as excellent Russian-speaking support. In a word, he is an excellent local player who copes with his tasks remarkably well.

Kopikot

However, Letishops is not alone. You may ask: Is it possible to use cashback in Belarus in addition to this service?

Well, judging by my research, the most profitable Belarusian cashback services after Letishops are, perhaps, Kopikot and ePN cash back. It is these resources that are most profitable for a resident of the Republic of Belarus.

06:39 20.02.2019

Cashback - a return of part of the money spent - is the most profitable way to make money by using a debit card; it does not require keeping funds on the card account or somehow limiting yourself.

Photo is illustrative, source: pixabay.com

Payments for goods and services provide cashback up to 1.5%. The amount and conditions of the return are governed by the Bank's regulation on remuneration for individuals.

The card allows contactless payments, Samsung Pay payments, the card has 3D Secure protection, provides access to applications and remote services of Belgazprombank.

0.1% is charged on the amount of the card account balance.

The card is serviced free of charge. The cost of issuing a card for 5 years is 18 rubles in Belarusian rubles or 45 rubles in any foreign currency. The card can be ordered through remote channels and received by mail without visiting the bank's offices.

MasterCard World "Diva" from Bank BelVEB

The card provides a return of up to 5% from non-cash payments in trade and service enterprises, namely:

• 1% on purchases in supermarkets and large grocery stores;
• 1.5% on other purchases;
• 5% in the promotional category.

Card advantages:

• instant release (there is no owner's name on the plastic);
• the ability to remotely order and receive a card at home;
• the right to open an account with Bank BelVEB free of charge.

You can get additional discounts when paying by card in partner stores of the bank. Discounts are also provided within the framework of the "Motsnaya kartka" program.

Card service for the first year - 10 rubles. in year. For the second and third years, the fee may not be charged if the card is actively used in daily payments.

Interest on the balance is 0.01% per annum.

Visa Travel card from Bank BelVEB

Standard - Visa, currency - Belarusian rubles, US dollars, euros

The product is designed specifically for those who lead an active lifestyle and travel frequently, and is presented in three categories:, and the first in Belarus. Why choose this product:

• cashback up to 5% for purchases in Duty Free all over the world, for purchases in duty-free shops of UE "Dipmarket" at the airport "Minsk", savings can be up to 10% (taking into account the discount provided);
• 2% cashback on purchases in the Tourism category (hotels, tickets, travel services);
• cashback up to 1% on other purchases around the world, including on the Internet.

In addition to cashback with "real money", holders are provided with special conditions for withdrawing cash, discounts:

• for the purchase of tours from leading travel operators,
• up to 12% for hotel bookings;
• up to 30% on car rental from global providers.

Additional bonuses - free Auto Support package, concierge service, travel insurance and much more.

Annual service for Visa Travel cards - from 20 to 190 Belarusian rubles (depending on the type of card). For the second and third years, the fees have been reduced.

Interest on the balance is charged at the rate of 0.01% per annum.

New gold from Idea Bank

Standard - Visa, currency - Belarusian rubles.

The card promises a refund of up to 1.5% of the amount of payments... However, cashback does not apply to transactions in the Internet bank and mobile application.

In addition to cashback, it promises such privileges as free cash withdrawals all over the world, card insurance, connection of remote card account management services, etc.

Interest is charged on the balance at a rate of 0.01%.

The "New Gold" card is issued free of charge, the annual service costs 50 rubles.

Autocard from MTBank

Another specialized product of MTBank. The advantages of the card will be fully felt by motorists. Because:

• 3% cashback when paying for fuel at gas stations around the world;
• cashback up to 10% in the network of the Bank's car partners;
• return on all other purchases - 1% (for products 0.5%).

In addition to refunds, cardholders can count on other loyalty programs for motorists at gas stations.

Annual service - 19.9 rubles.

No interest is charged on the balance.

An autocard from MTBank can be issued as a standard in the RCC, as well as remotely online: on the Bank's website, through the “My Bank” system with home delivery (optional). Its replenishment is possible through the Internet bank, mobile bank, through ERIP, the perevod.mtbank.by online service or the Denegram application without commission from MTBank.

The security of operations is ensured by the 3D Secure system, the speed of settlements at gas stations and in stores is ensured by the PayPass technology.

Bonus card Halva plus MTBank

Standard - Mastercard, currency - Belarusian rubles, dollars, euros.

In contrast, Halva Plus is a debit card for payments with your own funds.

Cashback on the card is credited with bonus points. Points are a unit of account, and the buyer can pay them up to 100% of the cost of the product or service. As a result, purchases become free.

Points are awarded for purchases and payments for services in the network of partners: from 1.5% to 10%. Other purchases will earn you 1%, this also applies to purchases in grocery stores.

Interest on the balance of money on the card is not charged.

Annual service cost - 19.9 rubles.

From MTBank you can issue the same way as other MTBank cards.

Boomerang Visa Platinum from Priorbank

Standard - Visa, currency - Belarusian rubles, dollars, euros.

Boomerang is a premium card with the usual features for this type of card. The list of all the advantages of a premium card will be too extensive, therefore we will name only a few that are comparable to the capabilities of the above cards.

Cashback (Money-back) - 1.3% without limit on the amount.

Also participates in KeyCard loyalty programs, when making settlements with the Bank's partners, cashback by card up to 20% and PriorPlus, for each purchase on the card, points are awarded, which can then be used when booking hotels, air tickets, etc.

Interest on the card balance in Belarusian rubles at a rate of 3%.

The annual service fee for the Card is 450 rubles for 4 years. This is normal for premium cards.

For a wide audience, cards are available for issue / - 1% cashback and / - 0.7% cashback.

Insured card Belneftestrakh from Belgazprombank

Standard - Mastercard, currency - Belarusian rubles.

The first advantage of this card is a return of up to 1.5% from different sellers of goods and services without restrictions.

At the end of the list, the card turned out to be due to a limited circle of card recipients - they can be holders of insurance at Belneftestrakh.

The card is serviced free of charge and provides access to Internet banking and other services of Belgazprombank. Contactless payments are possible with the card, work with the Samsung Pay service. Cardholders can quickly apply for a loan at Belgazprombank.

The card is accepted in 210 countries of the world, free withdrawals are possible at ATMs of Belagroprombank, MTBank and VTB Bank (Belarus).

The balance of the card account is charged with 0.1% per annum.

In conclusion, it is worth recalling once again that cashback is not always applied in the same way for all calculations, therefore, when choosing a card with a refund, you should carefully study all its conditions.

Text: Igor SMIRNOV