Otp bank personal account. OTP Bank - personal account otp bank jsc otp bank commercial
OTP Bank is a universal credit bank serving business and private clients. The Bank sees its mission as establishing long-term trusting relationships with clients and spreading financial literacy. As part of improving the services provided, the company is developing a system for remote transactions with accounts "OTP Direct", which currently operates in the formats of Internet banking and mobile banking.
OTP Bank's personal account is designed to help clients reduce the time spent on banking operations.
Personal account features
The presence of a registered profile in the online service provides the following opportunities:
- Opening ruble accounts and deposits.
- Payment for communication services and housing and communal services from current accounts, cards and deposits.
- Translations:
- to the accounts of clients of OTP Bank and third-party banks.
- to cards of third-party banks from both current and credit accounts.
- between customer accounts.
- to a debit card of OTP bank by the owner's mobile phone number.
- Replenishment of electronic wallets.
- Create and save templates, schedule online payments.
- Commission-free transfers to the TouchBank card.
- Closing deposits opened from OTP direct.
- Connection of a free SMS bank.
- Setting payment limits.
To make payments and transfers through the personal account of OTP Bank, customers use the SMS confirmation service, which cannot be disabled.
Registration and login to your personal account
Authorization in the OTP Direct personal account is one-stage and does not require the introduction of session keys, just a login and password. Login can be simplified by specifying a memorable alias as an alternative login in the settings, for example, a ten-digit mobile number or the name of a social network profile. In this case, the login issued by the bank remains valid for authorization.
The OTP direct mobile application works on smartphones with iOs from 6 and Android from version 2.2. You can enter the mobile bank using the login / pseudonym and password specified through the OTP Bank official website, or set up a short password (four-digit pin code) for easy entry.
Any client of the bank is provided with free registration in the system:
- For credit clients and cardholders, the service is activated automatically after the execution of the contract, if the client has not written a statement of refusal from it. By calling the hotline, you can check whether OTP direct is connected. If the service is activated, the operator will provide a login and send a temporary password. To identify the client, the operator will ask him for passport data and a code word.
- If the client has not subscribed to the remote service, he can connect to it at the bank branch, presenting his passport to the operator and filling out a corresponding application. The password is sent to the client's mobile, the login will be indicated in the service agreement issued in the hands.
Directly on the website, you can recover the password by the code word and the full card number or, if the client is not a cardholder, according to the client's basic data, including the passport number. The client will receive a new password by SMS to the phone registered in the system. If you have any difficulties with self-restoring access to your OTP Direct personal account, you should contact the hotline operator.
12/04/2019 I sent a written claim to OTP Bank's e-mail. In violation of the Federal Law of 02.05.2006 No. 59-FZ "On the Procedure for Considering Citizens' Appeals in the Russian Federation" more than 30 days after filing,
there is no answer to my appeal. On my calls on January 15, 2020 to the call processing service, the operator who introduced herself as Irina, showing complete incompetence, did not
was able to explain why I have not received an answer to the appeal so far and when it will be given, I was confused in explanations, avoided answering questions about
providing information that the bank is obliged to communicate to its client. On my question,
when, in her opinion, the 30-day period for giving an answer to my
the complaint, the operator, realizing that our conversation was being recorded, deliberately avoided answering,
constantly repeating that the complaint was registered on 12/04/2019 and suggested
me to calculate the given period itself. Then, having come up with a new version, she became
claim that the time limit for considering my complaint has been extended for more than 30 days. On
the question is, why am I not notified of the extension of such a period beyond
30 days, as provided for in part 2 of article 12 of the above-mentioned Federal Law No. 59, the operator became
to convince me that the notification came to me electronically on 12/19/2019. On the argument that
19.12.2019 I received a notification only that “the request for your request
sent to the responsible unit ", and not about the extension30 of the daily period, no intelligible answer followed. Also, to my demands to inform which" responsible unit "my appeal was sent to, as well as who exactly is the executor for it, Irina categorically refused to report, which is also rude violated my rights. Speaking about a gross violation of my rights, I am not exaggerating at all, since all this time, while the complaint is allegedly being considered, employees of the bank's credit service have been calling me and my relatives with threats, demanding payment of the non-existent debt and claiming some fabulous fines that are calculated every day. Thus, the untimely consideration of my appeal and the lack of information about its results deprives me of the opportunity, in case of disagreement with this answer, to appeal it in court.
incompetence, illiteracy, disregard not only for their clients, but also for the authority and reputation of the bank itself. After all, it would be logical to assume that in a normal and self-respecting organization, the official in charge of this area would strive to sort out the situation as soon as possible, punish the guilty so that this does not happen again, apologize to the client and the question would be settled. However, apparently the work of OTP bank is based on absolutely opposite
principles and not only about the law, but also about the elementary rules of decency
have not heard here. I want to remind the employees of OTP Bank that, according to
Article 5.59 of the Code of Administrative Offenses of the Russian Federation, violation of the procedure established by the law of the Russian Federation for consideration of citizens' appeals by officials of organizations entrusted with the implementation of publicly significant functions, entails administrative responsibility in the form
fine. In addition, I would like to warn OTP Bank that in case
directions on his part of any incorrect data about me in the bureau
credit histories, a corresponding appeal on this account will be immediately sent by me to the Central Bank of the Russian Federation, and, if necessary, a court order will be used demanding reimbursement of costs incurred and compensation for moral damage.
OTP Bankbelongs to the financial group OTP Group and is one of the 50 largest banks in Russia. It has over one and a half million clients.
The key area of activity of this financial institution is lending and other banking services for individuals.
OTP Bank ranks 2nd in the POS lending market (FrankResearch Group as of April 1, 2018) and 7th in the credit card market (Frank Research Group as of April 1, 2018). OTP Bank is a member of the mandatory deposit insurance system.
A part of the OTP Group is an international project Touch bank- a retail digital bank that provides financial products and services through a personal online account and a mobile application.
OTP-Bank has repeatedly become the best in various nominations of the "Financial Olympus" and "Financial Literacy" contests.
In addition, the bank is a member of the Association of European Businesses, Banks of Russia, a member of the deposit insurance system, the stock market and other non-profit organizations.
OTP-Bank plans to partner with three million satisfied customers, build a long-term mutually beneficial partnership with them. Also, one of the main goals of the bank is to include it in the twenty most rated banks in the country.
The bank is dynamically developing in other countries , including in Ukraine.
As of January 2020, there are 18 branches and 17 ATMs of OTP Bank in Moscow.
reference Information
Registration number: 2766
Date of registration by the Bank of Russia: 28.03.1994
BIK: 044525311
Main state registration number: 1027739176563 (11.09.2002)
Authorized capital: RUB 2 797 887 853.10
License (date of issue / last replacement) Banks with a basic license are banks that have a license, the name of which contains the word “basic”. All other operating banks are banks with a universal license:
License to attract deposits and place precious metals (27.11.2014)
General license for banking operations (27.11.2014)
Participation in the deposit insurance system: Yes
About OTP Bank
OTP Bank was founded in 1998 and today it is still a member of the OTP Group in Hungary. It must be said that this group occupies a leading position in the market of banking services in Central and Eastern Europe, which is a fairly stable indicator. For more than 15 years OTP Bank has been specializing in services provided to legal entities and individuals, is a member of the Association of Russian Banks, a member of the compulsory deposit insurance system and is ranked in Group 1 in terms of assets. OTP Bank has the status of a universal credit institution due to the fact that it offers all basic financial services and products to its customers. Among such services of OTP Bank there are individuals and small businesses, in retail outlets, opening accounts, renting safes, money transfers, operations with plastic cards, modern remote services.
OTP Bank has its own ATMs, branches and branches in 3,700 settlements of the Russian Federation. This allows the bank to serve customers exclusively through its network. According to the latest information, the client base of OTP Bank is more than 3.9 million people.
I consent to OTP Bank JSC (125171, Moscow, Leningradskoe shosse, 16A, p. 1) for processing (collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transfer), depersonalization, blocking, destruction) of my personal data, including surname, name, patronymic, details of an identity document, as well as other information relating to me in order to consider this request and provide an answer to it.
I am notified that the storage of a message containing my personal data will be carried out within 1 year from the date of its sending.
FAQ
Credit cards
- How to activate the card?
Did you receive your card by mail or by courier?
- To activate the card, you just need to call the Bank by phone. 8-800-200-70-01 or by Skype () and inform the employee about your desire.
The procedure will not take long. You will need to answer a few questions, after which, in case of a positive decision, the card will be activated
You can use it no later than the next business day.
Did you receive the card at the branch?
- In this case, the card is issued already activated.
- What should I do if I have lost or forgot my PIN code?
Can I use the card immediately after activation?
If you received a card without a PIN code, then after activation within two weeks it will be sent to you by mail, but for now you will be able to receive money at the cash desks of banks by presenting your card and passport.
- Can I use the card immediately after activation?
Was the card issued at a bank branch?
- In this case, contact the department to reissue the card with a new PIN-code.
You can check the addresses of the offices and their working hours on our website:
Did you receive the card by mail or by courier?
- Order a card reissue by calling the bank by phone. 8-800-200-70-01.
- The card has expired, how can I get a new one?
After the expiration of the validity period of the card, it is no longer possible to use it again, but if you still have outstanding debt, you can continue to pay the loan, as before, in any convenient way, except for ATMs:.
If you received the card by mail or by courier, then order a re-release by calling the Bank's contact center by phone. 8-800-200-70-01 or by Skype ().
If the card was issued at a branch of the Bank, then contact the service department to write a re-release application.
- How to control your card account?
- call the bank's contact center by tel. 8-800-200-70-01 to get expert advice, or use the autoinformation service (IVR). To do this, switch the phone to tone mode and follow the voice prompts.
- write an email to.
- contact by Skype ()
-
Telecode is your personal number for entering the automatic banking system.
The telecode is needed when using an autoinformer when calling the bank by phone.
- What is the credit limit of the card?
The credit limit is the amount that the bank provides you for long-term use.
For a certain time (during the validity period of the card) you can "borrow" this money, return it back to the card and use it again.
- Are there any restrictions on the credit limit?
Yes there is. The bank individually sets the credit limit for the client's card after evaluating the client's data specified in the questionnaire.
- Can I change the amount of the credit limit on my card?
- How can I find out what the conditions for the card are?
You can view detailed information on the conditions for using the card in the accompanying documents received with the card (tariff, booklets) by calling the bank at tel. 8-800-200-70-01 or by Skype (). By sending an electronic appeal to.
- How do I pay for a credit card?
After you use the credit money, they will need to be returned back to the card. Depending on the tariff (you can check it on the website:) the bank sets a certain amount of the monthly minimum payment. It will be enough to pay off interest and loan fees within a month, and to pay part of the amount spent.
You can also make every month any amount more than the minimum payment, up to the full repayment of the loan. There is no upper limit for the payment amount. - What is the minimum payment?
The minimum payment is the amount of money that you need to pay every month in order to pay interest and loan fees and repay part of the amount spent.
The amount of the minimum payment depends on the terms of the tariff. You can find out what is the minimum payment for your card from the tariff received with the card, or by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, by Skype (). By sending an electronic appeal to. -
- Until the next maturity date, along with the next payment, you must pay the missed payments, as well as penalties (if any). You can find out the amount of payment by phone. 8-800-200-70-01, by Skype () or by sending an electronic appeal in the feedback form on the bank's website:.
- What are the fees for using the card?
Using a credit card, you need to return the spent amount of money together with interest and additional fees that are provided for in the tariff.
Additional fees can be:
Payment for SMS-informing 59 rubles. - charged monthly until you fully repay the loan.
The service fee for the card received at the bank branch is paid once a year, the amount of the fee depends on the type of card.
The service fee for a card received by mail or by courier is paid once a month in the amount of 99 rubles.
You can check the parameters of your tariff plan on the bank's website:
- Can I pay for the card with payments more than the minimum payment?
Yes, every month you can make a payment to the card that is unlimitedly higher than the minimum, up to the full repayment of the debt. At the same time, you will pay off the loan faster and pay less interest.
After all, interest is charged every day on the balance of the debt, therefore, the less debt remains, the less interest is charged on this amount. - Can I use my card abroad?
Sure. With a card of OTP Bank of the international payment system VISA or MasterCard, you can pay for goods and services in any trade organizations around the world that accept plastic cards for payment, or receive money in cash at ATMs of any banks.
- What is the grace period?
The grace period (aka GRACE period), as one of the most significant advantages of your card, gives you the opportunity to use a loan and not overpay interest for it.
Preferential terms apply only to non-cash purchases.
In order to take advantage of the terms of the grace period, the entire amount of the debt must be paid before the end date. In this case, no interest will be charged on purchases made during the grace period. - What is the date the grace period starts?
From the date of activation of the card, settlement periods of exactly 30 calendar days are calculated, during which it is necessary to make the minimum payments, if you do not plan to repay the debt immediately.
And the start date of the grace period coincides with the start date of the billing period every month.
The grace period is 55 calendar days.
You can find out the start and end date of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, by Skype (). By sending an electronic appeal to. - How does the grace period work?
From the date of activation of the card, settlement periods are calculated for exactly 30 calendar days.
On the last day of each billing period, the bank generates a card account statement, which it sends to you by mail.
This statement contains the total amount owed, taking into account all your expenses and payments made for the expired billing period (month). In order to take advantage of the terms of the grace period, you need to pay the amount of the full debt, calculated on the date of the statement generation, before the end date.Let's give an example.
You activated the card on January 01.
Within a month you pay by card for purchases.
On January 30, the bank generates a statement with the amount of full debt at the end of the month.
Within the next 25 days, you need to pay off the amount of the full debt.
Once these conditions are met, no interest will be accrued on all purchases made in the previous month.If, in addition to non-cash purchases, during the month you also withdrawn money from the card, then preferential conditions continue to apply to purchases, but you will need to pay additional interest that was charged on the amount of cash withdrawn.
You can find out the start and end date of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, by Skype (). By sending an electronic appeal to.
- How to get a card statement?
To obtain an account statement for the period of interest, you can contact any representative office of the Bank, the addresses of the offices are on the website:.
- Can I use my card again?
The card can be used an unlimited number of times during its entire validity period.
You can check the validity period on the front side of the card (in the center, under the card number in the month / year format).
The available card balance will increase with each of your payments, and after the debt is fully repaid, the credit limit will be restored to its original value.
If the credit limit is completely exhausted, then the available funds will appear only after you make the next payment. - How to close a card account?
In order to close a card account, you need to contact the bank's office:, and write a corresponding application.
A prerequisite for accepting the application for execution is the full repayment of the loan. If your own funds remain on the card, then in the application you will need to additionally indicate the account number to which you instruct the bank to transfer your money.
The deadline for the execution of the application from the moment it is received by the bank is up to forty calendar days.
Store Credits
- What is a consumer loan?
- General conditions for issuing a loan?
A loan can be obtained under any of the existing lending programs.
Minimum loan amount: 3,000 rubles. (depending on the promotion, the amount can be reduced to 2,000 rubles);
Maximum loan amount: up to 600,000 rubles (depends on the promotion and the region);
Loan term from 3 to 36 months;
Loan rate: from 14.7%
Down payment: 0% to 99%
Monthly commission: from 0%
Early repayment: FREE
Loan currency - rubles.
For detailed information on what credit programs operate in your region, please contact our Agents in the store. - How to get a consumer loan?
You need to contact an OTP Bank employee in a partner store, choose the most suitable loan conditions for you and fill out a loan application.
The decision on the possibility of granting you a loan and its amount will be made within five minutes.
In case of a positive decision, you will need to sign the documents and receive a payment schedule with receipts for payment. - What are the requirements for a client to obtain a consumer loan?
- Russian citizenship;
- Permanent registration and actual residence in any of the regions where there is a credit and cash office of the bank (the addresses can be found on the website:);
- > Age at the time of applying for a loan - from 21 to 69 years inclusive.
You can get information about the conditions for loans in your region from an OTP Bank employee in a partner store.
- In which stores can I get a consumer loan from OTP Bank?
You can get a loan at any partner store of the bank if it is located in the region of your permanent registration and actual residence. You can specify the addresses of stores at the OTP Bank's credit and cash office in your region. Contact phone numbers are available on the website:.
- Is it obligatory to insure a loan?
When applying for a loan, your desire to insure a loan or refuse this service does not affect the bank's decision. The decision is made by the bank on the basis of checking the data you specified in the questionnaire.
For consumer loans, you may be offered life and health insurance programs, as well as insurance against job loss. You can find out more about their terms on the website: - Is it possible to repay the loan ahead of schedule?
Sure. Early repayment of the loan is possible for any period.
You will save your own funds, because you will not need to pay interest for all subsequent months of using the loan.
To do this, you must pay the total amount owed by the nearest repayment date.
You can find out the amount for early repayment from the payment schedule or by contacting the bank:- call tel. 8-800-200-70-05 to get expert advice, or use the autoinformation service (IVR). To do this, switch the phone to tone mode and follow the voice prompts.
- get an "Express Statement" for the loan:
- find out the amount of debt through the Internet bank "OTPDirect" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs is available on the website:);
- contact by Skype ().
- Is it possible to pay for a loan in payments more than the minimum?
If you receive more money than the amount of the required payment, only the amount equal to the payment from the schedule will be debited from your account on the maturity date.
The rest of the funds will be credited only on the date of payment of the next payment.
Accordingly, next month it will be necessary to pay the difference between the amount of the next payment and that part of the money that remained as an overpayment from the last time. - How to pay off a consumer loan?
When receiving a loan, a bank employee will give you a payment schedule, according to which you will need to make a payment. There are several ways to pay for a consumer loan, both within the bank through a network of offices and self-service terminals, and third-party payment systems.
You can get acquainted with them here:
You can choose the most convenient one for yourself. - What if I missed a payment?
If this is the first pass of a payment, then you must pay only the missed payment and the amount of the second payment before the date of the next payment. The Bank does not charge any penalties for missing the first payment.
In case of missing the second payment, you must pay a fine in accordance with the tariff:
You can clarify the amount of the payment by contacting the bank in any convenient way:- call tel. 8-800-200-70-05 to get expert advice, or use the autoinformation service (IVR). To do this, switch the phone to tone mode and follow the voice prompts.
- write an electronic appeal to;
- get an "Express Statement" for a loan:
- check the amount in the Internet bank "OTPDirect" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs is available on the website: https://direkt.site);
- contact by Skype ().
- How to control your loan account?
You can use convenient and simple services for obtaining information:
- call the bank's contact center by tel. 8-800-200-70-05 to get expert advice, or use the autoinformation service (IVR). To do this, switch the phone to tone mode and follow the voice prompts.
- write an electronic appeal to;
- view information about payments and debts through the Internet bank "OTPDirect" (you can activate the service in any office of OTP Bank, detailed information about the service and tariffs is available on the website:);
- contact by Skype ().
- What is a telecode and how can I find it?
Telecode is your personal number for entering the automatic banking system.
The telecode is needed when using an autoinformer when calling the bank by phone.
The telecode consists of three digits. Its value is equal to the last three digits of your RF passport number. -
If you have a need to return the goods, then, first of all, you should settle this issue with the store. Then contact an employee of the Bank (a representative of the Bank who issued a loan for you), fill out an Application for the return of goods from him.
For the past period of using the loan, the bank will need to pay interest in accordance with the new payment schedule, which the employee will give you after recalculation.
Money paid in cash in the store when purchasing goods (down payment) is refundable in full - How to return the product and terminate the contract?
You can apply for help to any partner store or the bank's credit and cash office in your region, the addresses of the offices are on the website:
With a passport, you can apply to any branch or branch of our bank in your region. Our experts will help you calculate a loan and choose the best option.
In addition, you can make a preliminary application for a cash loan on our website. - What are the basic requirements for obtaining a loan for a borrower? What documents do I need to provide?
- age from 21 at the time of application up to 65 years of age inclusive at the time of loan repayment (under the "Business People" program, the minimum age is 25 at the time of application);
- Russian citizenship;
- permanent registration in any region of the Bank's presence and actual residence in the region where the loan is issued;
- permanent place of work and length of service at the last place of work, corresponding to the conditions of the loan program.
A complete list of the requirements set by the Bank to the borrower and the documents required to obtain a loan in cash is presented on our website in the section "Cash loans": http: //www.site/retail/nopurpose/, or to clarify it, you can contact our Contact -Center by phones +7 495 775-47-75 (for residents of Moscow and the Moscow region), 8-800-100-55-55 (calls from Russian regions are free).
- What is the time frame for making a decision on loan applications and how long is it valid?
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