Belarusians will be offered to independently choose a bank for servicing. And banks will be able to open accounts for individuals for free. Such tasks will allow the implementation of the concept of "basic account". It is supervised by the National Bank. The essence of innovation is to go away from payroll projects, when the employer, and hence his employee are tied to a specific bank. Now citizens will have the freedom of choice. The main thing is that the account transactions would not be related to business activities. Access to the "basic account" will be provided by BELCARD cards. Their functionality will be expanded with the help of the Russian payment system Mir.