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Sovcombank provides customers with a Halva card for making purchases in installments - with it, you can make any purchases on favorable conditions in partner stores.

Before issuing a card, you need to familiarize yourself with the benefits of this product. Is it a credit card? In the usual sense, no. With the original Halva card, you have access to all the advantages of credit cards, but without the typical difficulties.

How does the Halva card work?

Halva is:

• free issuance and no service fee;
• instant purchases without long paperwork and waiting for approval of a loan application;
• PayPass technology - one-touch free payment;
• revolving credit limit up to 350 thousand rubles;
• a large and growing network of Sovcombank partner stores, all payments in partner stores have an interest-free installment plan of up to 12 months;
• cashback up to 1.5% for any purchases within the affiliate network (valid when paying with your own funds, the bonus amount is limited to 5,000 rubles per month);
• the balance of money on the balance sheet generates income at a rate of 7 to 8.25% per annum;
• using the card as a debit card for payments on the Internet and in stores (relevant if you have your own funds on the balance sheet);
• convenient Internet banking to control transactions and expenses.

Features of the Halva card personal account

Installment is one of the most popular banking services in modern world. To be able at any convenient time control the status of their credit account, Sovcombank customers have access to Halva's personal account. With it, the cardholder can perform the following actions:

Control the balance of funds at the checkout, as well as the credit limit;

• check the amount and date of the next payment;
• receive information about transactions (amounts, dates, places where purchases were made);
• check the list of partner stores in a particular locality;
• find out about the conditions for providing installments in a particular store;
• link other cards of Sovcombank to the Halva account;
• replenish the account from any card for free;
• set up account auto-replenishment functions;
• review the detailed payment schedule.

The Halva card allows you to receive a refund when making purchases in partner stores in the amount of 1.5%. You can find out about the amount of cashback by logging into Halva's personal account. Also, one of the advantages of the presented card is the free replenishment of the account and the use of installments. Its period is up to 12 months.

Registration and login

To enter the owner's personal account, you first need to get a Halva card at the nearest branch. It is issued free of charge. Also, the card can be ordered on the official website https://halvacard.ru/ or by phone number hotline. Delivery is possible in any locality Russia.
Logging in for the first time will require simple steps. First you need to go to the official website from any device connected to the Internet. Next, you need to go to the personal account of the Halva card.

Login is done like this:

1. Click on the "Go to office" button. It is located in the upper right corner.
2. Enter number mobile phone.
3. Wait until on specified number will not receive SMS with a code.
4. Fill in the password received by phone in the appropriate column of the form.

You can also install mobile app to your smartphone. To do this, the program must be downloaded from the official website of the bank. After that, in the corresponding field, enter the phone number to which the card was reserved. It will come with a code. When you continue using the system, it is recommended to change the password.

What should I do if I can't log in to my account?

If you have any difficulties, you should seek advice from a bank representative. If you can’t log into your personal account, this is most likely due to technical malfunctions. You can ask the operator for details in this case.

Official site: https://halvacard.ru
Hotline phone: 8 800 100 777 2

The Halva card from Sovcombank gives its holder the opportunity to make purchases in partner stores in installments up to twelve months. You can apply for a card at any branch or leave an application for it through the website.

Each user has access to the Personal Account. In the Personal Account, the client has the opportunity to:

• View the stores available in the system, their location and the range of goods offered.
• View card balance.
• Track outgoing and incoming transactions.
• View the loan repayment schedule.
• Get a card statement.

The Halva card makes it possible to pay for all goods in the partner stores of the program in installments. This is a profitable and convenient way to distribute the budget. And the Personal Account gives the user the opportunity to control their expenses and find out the time of the next installment payment.

Registration in the Personal Account

Access to the Personal Account is possible only after the client issues the Halva installment card, so the registration procedure, in fact, is registration in the system. You can apply for a card at any branch of Sovcombank. To do this, you must meet certain requirements:

• Have a passport of a citizen of the Russian Federation.
• The card is issued only to citizens not younger than twenty years old and not older than seventy-five years old.
• The client issuing the card must have official employment, as well as work experience from the last place of work.
• It is also necessary that the client has a permanent registration in the region in which the bank operates. The term of such registration is not less than four months prior to the issuance of the card.
• Have a landline work phone or equivalent home phone.

If the client who applied to Sovcombank is able to meet all the requirements of the system, then the card will be easily issued.

You can also register through the site by filling out an application for a card. To do this, you need to indicate the surname, name and patronymic of the applicant, contact phone number and email address. After that, bank operators will contact the client.

Authorization in the Personal Account

In order to enter the Personal Account, you need to enter your mobile phone number, then you will need card details and a password. The procedure is quite simple and takes only a few seconds. After that, the user has the opportunity to use all the functions Personal account.

Mobile application "Halva"

The mobile application is available for smartphones and tablets running on iOS and Android operating systems, and is available for free in the Google Play and App Store stores.

The application allows the user to navigate the list of partner stores and find the required goods in their assortment, the purchase of which is possible with the Halva installment card.

The first time you launch the application, you need to log in. The user enters the phone number to which the card is registered, and then the confirmation code received in an SMS message.

Support for Halva card holders

On the website of the Halva card, there is a support telephone number, by which the user has the opportunity to contact the operators and find out from them the answer to all questions of interest, get advice and assistance on technical issues.

It is also possible to get acquainted with the information and contact specialists and the same cardholders through social networks. The site has active links to pages on Facebook, Vkontakte, YouTube and Odnoklassniki.

Disabling the Personal Account

As soon as the user expresses a desire to refuse the card and goes through the account closing procedure at the bank, access to the Personal Account is canceled. This is standard procedure for all such systems.

Information privacy

Sovcombank guarantees all customers the security of personal data, including those provided for issuing a Halva card.

The user can additionally protect himself by installing anti-virus software on the computer and mobile platform, which excludes the possibility of data leakage through viral spyware.

And in no case should you disclose your card details to anyone, as well as transfer the mobile phone to which it is attached to the wrong hands.

If there is not enough money to buy, the Halva card helps out. Up to 350 thousand rubles can be issued without interest, the installment plan is valid for up to twelve months.

You must specify your mobile phone number and the password that will come in SMS - and access to the service is open. Five clicks to login:

1. Go to the official Internet resource- halvacard.ru (Russia) or halva.by (MTBank, for residents of Belarus).
2. Click "To the office" - the link is on the top right.
3. Specify a mobile phone number.
4. Wait until an SMS message with a password arrives at the specified number.
5. Enter the code and enter the personal account of the Halva Sovcombank card.

The mobile version of the payment service is available for iOS and Android. If you want to have access to your account at any convenient time, proceed:

1. Download and run the Halva app on your device.
2. Log in using the phone number to which your card is linked.
3. Check your messages - you should receive an access code.
4. Come up with a combination of four numbers to enter the application and enter it twice.

Application Download Links

Once you come up with a secret code, then write it down, type it in the application and instantly enter.

Halva: entrance to your personal account by phone number

The main thing is that the phone is active - after all, it is the key to access the service. Unlike other banking services, here you do not have to come up with a complex combination of password and login. Each time a new one-time password is automatically sent.

Login link: halvacard.ru (Sovcombank, Russia) or halva.by (MTBank, Belarus)

Holders of the Halva card can be calm - the entrance to your personal account is securely protected. There is less risk that scammers will get to the money, since there is no permanent password and login. Still, security depends on the client himself. Keep plastic in a safe place and do not pass on messages received by e-mail or phone.

• Do not trust anyone - even your acquaintances, do not let them use the device for which the card is issued. Provide details only for payment on verified sites.
• If the SIM card is damaged, immediately restore the number from your operator cellular communication. After that, you will be able to fully work in the system.
• When you change your number, immediately inform Sovcombank. Your new phone will be linked to the card. A secret code will be sent to him to access your account.

How to register a personal account

If you want for Halva - installment cards register a personal account then proceed:

1. indicate some information about yourself in the application on the halvacard.ru website or at the office of a credit institution;
2. sign an agreement with Sovcombank;
3. get a credit card.

These actions are registration - you do not have to perform additional manipulations. The loan is issued without income statements and guarantors. Only a passport is needed.

Possibilities of a personal account

It can:

• check the available account balance;
• check the date of payment;
• view transaction history.

The history shows the dates of purchases, the amount and size of payments. The personal account of the Halva card of Sovcombank allows you to:

• find out which outlets give installments;
• clarify the conditions;
• top up an account;
• order a bank statement;
• link the account with the account of another bank card;
• set up automatic account replenishment.

The card brings income - up to 7.5% per annum(accrued on the balance). LC has only one drawback - it is impossible to make payments through it. But if the phone is stolen, no one will be able to use the means of payment, but will only see the account statement and the payments made.

Reallocation of funds

Part of the funds is returned when you pay for the purchase with your own funds. 35% will return on the promotion " Favorite buy", if the payment was made by phone at the partner (only for 1 purchase, 1 time per year). As part of this promotion, an additional installment plan for 12 months can be provided if the purchase was from a partner by phone on account borrowed money(only 2 times a year).

For purchases with your own money, cashback from partners is 2% when paying by card and 6% when paying by phone. In other cases - 1% for any type of settlement.

To get the most out of the conditions of the Halva card, do not activate the automatic debt repayment function. Then, fifteen days after receiving the loan, the money is not written off. Pay with them for purchases and get the highest possible cashback.

In order to avoid delays on the loan, try to enter Halva's personal account and make the next payment on time.

Repayment of the next payment

The Halva card for installment payment for goods in Russia is becoming more and more popular. Not every person can afford to pay the entire amount for the thing they need, and getting a loan for a purchase is a waste of time and money.

Halva allows you not to overpay, it does not charge the owner of the banking product interest for using money. How much the goods cost - so much will have to be paid within the specified period. The main thing is to avoid delays!

The user's personal account can help with this. In the article we will try to highlight in detail all the pros and cons of this service from MTBank and Sovcombank.

"Halva" MTBank - personal account

Holders of the Halva card can track transactions on the card using the developed LK service. Mastering the program is not difficult. It is quite simple to understand and easy to learn. If you have already used the services of an online bank, then when you register, you will have something to compare with. For example, it is very easy to register with the Halva card.

No need to conclude supplementary contract for service and receive secret combinations for entry at bank branches. All that is required is to enter your phone number, which is registered with the bank when concluding an agreement on map "Halva" and receive an SMS code.

It is worth noting that the service of the Personal Office on the card from MTBank has more advanced functionality for the user than the personal account on the card from Sovcombank. But this is understandable. The halwich product from Sovcombank began operating in Russia not so long ago, so there are still certain restrictions on conducting financial transactions in the client's personal account.

Do not immediately get upset, as it is possible to connect to all the functions of the online banking service. We will tell you the same about this.

The entrance to the personal account of MTBank clients is located at: halva.by. For holders of the Halva card from Sovcombank, there is a special website from which you can log in. Access page address - halvacard.ru.

Important! Only registered holders of the Halva card can enter the Personal Account.

To enter, you do not need to have on hand:

• map;
• contract;
• login;
• password;
• personal data.

This is already a big advantage for customers. It is enough to know only your phone number to get access to the personal office system and use all the features of the program.

Another plus is the mobile version of Halva LK. Not only from stationary computer devices, you can work in the program and monitor financial transactions. More simple and affordable way- a mobile application of the program, which is available on the specified websites of the bank and pages for accessing the personal office system.

Features of the Halva card personal account

For cardholders from Sovcombank, the online account offers to use the main functions:

• find out the current balance on the card;
• view the debt and mandatory payments, as well as the terms for them;
• request the availability of own funds on the card account;
• make a replenishment (if you have a Halva card from MTBank);
• find out the available amount for purchases;
• request a statement of transactions.

It is clear that such a number of operations on the Halva card is not enough.

Does it make sense to create your own personal office and use it?

Of course. To use all the options of Internet banking, you need to link your card with online system Sovcombank. For holders of the Halva card from MTBank, all the necessary functions of a full-fledged client office will be provided in the Personal Account:

1. payments;
2. translations;
3. autotuning;
4. provision of statements and other financial documents;
5. other.

The interface of the developed program will allow:

• track the schedule of mandatory payments on the card;
• independently generate statements for the required period;
• set up auto payments;
• learn about accrued bonus points;
• report any errors in the operation of the service;
• learn about promotions held by the company;
• get acquainted with the addresses of salons and shops - partners.

Redistribution of money

If the owner of the Halva card has credit funds on the card along with his own savings, then it will be useful for him to know about the conditions and possibilities for redistributing money. According to the terms of the card, in cases where not credit, but personal savings were debited from it upon purchase, a refund must be made.

Need to know! When using personal savings when buying a product, a cashback of 1.5 percent will be credited.

Let's look at an example. If replenishment was made to the account of the Halva card, then the money will lie on the account until the middle of the next month. In cases where auto payment is set up, the money can go automatically to close the debt. Then you will have to make the following purchases again from the funds allocated by the bank.

A personal account will allow you to avoid this, and use the deposited money within the prescribed period of up to 30 days, receiving cashback from the bank on them. Remember! Do not rush to set up auto payments to pay off debt!

These are small secrets of setting up work in the LC system.

Working with the Halva map

Login to the Personal Office by phone number

As we have already said, there is no registration for work in the personal account of Halva cardholders. To work in the personal office program, you need to go to the MTBank website and click on the button to enter the Internet bank.

And for cardholders from Sovcombank, there is a special portal - halvacard.ru. Enter the page and click on the transition to the Personal Account service.

The system will take you to the correct page. First, set the correct city or region where you live.

This will be required in order to receive up-to-date information on the promotions of stores and the terms of the proposed payment by installments for the goods. To enter, you will need to indicate your cell phone number, which was recorded when you received the Halva card.

With the introduction wrong number, the system will report an error. This means that you entered the wrong set of numbers, or indicated the wrong phone number that was indicated in the agreement with the bank.

Important! The mobile phone number must match the fixed number attached to the Halva card.

If valid data is specified, then an SMS code will be sent to the phone, which will need to be entered in the opened window of the LC program for access.

Need to know! After receiving the Halva card, it may take 2 or 3 days to activate the Personal Account program.

Registration of a personal account of the Halva card

Registration of the LC system implies the issuance of a card. If you already own banking product, then you have already registered and have the right to enter your personal account. To apply for a Halva card, you will need to come to the office or branch of the bank with a passport and fill out the required forms.

The card can be issued on the website. When registering a card online, you will need to fill in the required fields with initials, date of birth, region of residence and cell phone number.

Click on the "Order a card" button and proceed to filling out applications.

At the bottom of the questionnaire, do not forget to tick the consent to the processing of your data. Click on the "Next" button and follow the instructions of the system.

After a while, a bank specialist will contact you, who will invite you to a branch or office to sign an agreement and receive a card.

Mobile LK Halva

The mobile version of the LC program also does not require special actions. To install and run the program, you will need to go through several steps:

1. Download the program from official sources.
2. Install on your mobile gadget.
3. Run the program.
4. Click on the button to enter the Personal Office.
5. Enter the mobile phone number specified in the agreement with the bank.
6. Receive an SMS access code and enter it in the program window that opens.

The mobile version of the personal account will offer the owner to independently come up with a password combination for further entry into the system. The code must consist of a certain number of characters.

Everything is ready to work in the personal office program. In the future, receiving SMS codes is not required. All you have to do is open the login page and enter the access code you created.

Balance replenishment

In order to meet the deadlines and not fall into delay on the payments established by the bank, the introduced rules should be observed. It is important to know the features of the chosen method of crediting money to the Halva card account. In particular, the timing of the financial transaction.

For example, when choosing to transfer money through the Russian Post, the payment can take several days.

To top up, you can use:

• ATM and terminal devices;
• cash desks in offices and departments of the company;
• Russian Post services;
• cash desks of third-party financial institutions.

These options are suitable for cash transactions. If you plan to make a non-cash payment, you can use the Internet bank or electronic wallets.

Transfer from the Halva card

Transfer to another person or to another account cash Maybe. If we also take into account the fact that many purchases are made in online stores, then this option should be present.

Attention! The transfer of money from Halva, as well as cash withdrawals, is possible only from those funds that are present on the account in excess of the established limit on the card.

In other words, financial transactions for withdrawal and transfer can be carried out from the contributed own funds, after paying the mandatory payments under the agreement with the bank.

At first, your funds will go to pay off the debt according to the schedule, and only after that you can carry out other banking operations on the card.

Carefully get acquainted with the available opportunities on the Halva card and choose the best options for using the card.

How to see the balance on the Halva card?

If you have purchased a card and do not want to lose the opportunity to use all the benefits, then you should use it exclusively for its intended purpose. And this is a purchase bank partner stores worthy and necessary goods for themselves with a monthly payment.

First you need to use the section of promotions and stores on the site and choose a decent salon and goods for yourself. All this can be done in the service of the Personal Account of the owner of the Halva card. To make a purchase, you always need to know the available limit on the card for making the next payment.

Constantly calling the operator is not very convenient, so we will use the capabilities of the Personal Office. If you have downloaded the mobile version, then there can be no problems at all. Log in to the LC can be carried out in any place where there is Internet.

To view your balance, you can:

1. go to the site and open the Personal Account page;
2. use the terminals and use the card to find out the balance of money available for purchase;
3. send a request to the bank and receive an SMS response on the balance;
4. replenish the card and check the financial condition on the printed check (receipt).

Each option is available, but not for every person it will be appropriate in a particular situation. For example, there are not always bank terminals in stores.

Not all terminal devices will issue a receipt for the transaction. There are times when a check cannot be received for a number of reasons.

Probably the easiest and most convenient way is to receive an SMS message to a cell phone number. Almost everyone has modern man always with you mobile device connections.

Use the Halva card, but don't overstay. Keep track of your balance and due dates for mandatory card payments. Then Halva will be a profitable financial instrument for making the necessary purchases for yourself and your family.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. the federal law dated July 27, 2006 N 152-FZ "On Personal Data" is not violated.