OTP bank personal account. Details What is JSC otp bank

On January 24, 2019, I took out a loan from OTP Bank for the product I needed. The product did not suit me even after 2
day - 01/26/2019 I returned the goods and returned the entire loan amount. I'm not in the store
They warned me that I needed to go to the bank to close the loan. After that on
for a whole year no one notified me that there was money in my account
the debt that arose during the 5 days that the money reached the bank.
A year later I receive a message that my debt to the bank is 7878
rubles In other words, the bank, of course, saw that I had returned the amount
109 thousand rubles almost immediately after the purchase, but made a conscious choice
failure to inform their client about the debt, which ultimately allowed them to form
an amount of almost 8 thousand rubles. I would like to know if this is intentional
bank strategy in order to extract additional profit from creditors. Also
It remains unclear to me how this amount reached such proportions, if
The term of using the loan was 2 days (agreement number: 2875648893). I
I wrote an appeal to the bank, which was registered. Review period is 30 days,
Meanwhile, the bank sent another message because I did not repay early
loan, I need to pay an additional amount of 1675 rubles 88 kopecks.

29.01.2020 23:02

Your card is ready for issue! We are waiting for you with your passport at the branch at Bolshaya Moskovskaya Street, building 1-3. JSC OTP Bank - 3 messages in a row came with this content. After I left a request on the website and spoke with a bank employee by phone and agreed on all the nuances.

I came to pick up the card, as agreed at the address, without violating the period until which it was stored at the address. It was not close to the bank. The employees at the department were not very pleasant to communicate with and said that there was no card and they did not know where it was. I called the hotline, where they already informed me that they would now transfer me to a specialist. I waited half an hour for translation. In the end, a person answered, clearly not an expert. I asked stupid questions, in the end, when he realized what my problem was the 3rd time, he grinned and said that he could only advise me to order the card again. He didn’t even try to find this card or clarify any information about me at all. I asked to apologize for the mistake with the card, to which I heard that he was not going to apologize for other people. I sent him 3 letters out of anger, he hung up. Here's the story.

I cooperate with 10 banks for sure, I decided to become a client of OTP Bank, but apparently now I will never become and will not recommend it to anyone. I have not observed such an attitude towards the client in other banks. Thank you for your attention.

29.01.2020 22:58

Today I wanted to open a deposit in OTP Bank. I chose the “Profitable Plus” deposit. The terms of the deposit are very confusing: in order to get 7% per annum you need to fulfill a number of conditions...such as: 1- open a debit card with a minimum balance of 15% of the deposit amount...2- spend at least 5000 rubles on the card. per month... Everything would have been fine, but only when I started calling the bank (you can listen to recordings of my conversations with bank employees over the past weeks) and find out in more detail about all the conditions... I was constantly given ambiguous information, positioning this deposit very profitable: both for card transactions - cashback and for 15% of the amount of the deposit up to 6% per annum and free card maintenance... well, it’s all a benefit... Although, upon careful consideration of this deposit, the interest rate decreases to 6.5%, because . The amount on the card is considerable and the interest rate on it is only 5% per annum, on the deposit - 7%, and even then, unless you accidentally spend the minimum balance. In general, eye and eye. The bank employee with whom I spoke for a very long time could not find this deposit at all... then she began to tell me about deposits with 5% per annum... then, when I immediately started communicating by phone with the client support, she still found the deposit I was interested in and told me that I had to pay for the issue of the card and today they would not issue it to me, and therefore the deposit would not be opened, although I asked everything earlier on the phone and they gave me completely different answers.. in general. this contribution is a complete scam, because... It is very difficult to fulfill the terms of this deposit, especially since the employees themselves know them by hearsay... The result of my visit to the bank was that I took my money and left. I also want to add that in this department they tried to misinform me before, either because the employees are inattentive, or because the employees have an attitude to discourage depositors! By the way, the imposition of investment products at the highest level! In general, leaders, something needs to be done about this!

This was my first time contacting this bank and I won’t make the same mistake again!!! I took out a consumer loan for a fur coat on 12/05/19, and immediately encountered deception from an employee. The girl who applied for the loan said that you can cancel the insurance only after 2 months. Then I contacted the hotline to clarify this issue, they said that I could immediately write a refusal. On 12/06/19 I wrote an application to refuse insurance from another employee. I waited 30 days (since the review period is 30 days), the insurance was not turned off. Then I contacted the hotline, but ran into the problem that no one was responsible for anything, neither for the employees, nor for the shutdown. I didn’t stop there, I went to the bank branch, unfortunately there I also heard the answer that no one was responsible for anything. I filed a claim, but didn’t get my insurance turned off. Terrible attitude!!!

OTP Bankbelongs to the OTP Group financial group and is one of the 50 largest banks in Russia. Has over one and a half million clients.

The key 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 place in the credit card market (Frank Research Group as of April 1, 2018). OTP Bank is a participant in the compulsory deposit insurance system.

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 mobile application.

OTP-Bank has repeatedly become the best in various categories of the Financial Olympus and Financial Literacy competitions.

In addition, the bank is a member of the Association of European Businesses, Banks of Russia, and is 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 and build a long-term mutually beneficial partnership with them. Also, one of the main goals of the bank is to include it in the top twenty highest-rated banks in the country.

The bank has developed dynamically occurs in other countries , including in Ukraine.

As of January 2020, there are 18 branches and 17 ATMs of OTP Bank in Moscow.

OTP Bank takes its name from the national savings bank of Hungary (Országos Takarékpénztár) founded in 1949. At the beginning of 1990, the bank was reorganized (a public company), and in 1995 it was privatized. The bank's head office is located in Budapest (Hungary). The financial organization is governed by a board of directors headed by Sandor Chani.

After privatization, the bank began active efforts to conquer the European market, and in particular Eastern Europe. The company's subsidiaries are located in Russia, Ukraine, Croatia, Serbia, Romania, Montenegro, Slovenia, Bulgaria and Slovakia.

The convenience of using a bank without leaving your home is undeniable. You can always know about all movements of funds, control loan repayment, and also know about interesting offers from the bank. Using your personal account allows you to:

• view account balances or debts assigned to the client;
• generate account statements for the required period;
• make payments or make transfers, both in your bank and to accounts in other banks;
• monitor loans; find out about the debt, make an extract, find out how the loan is repaid;
• open a deposit, monitor its status, replenish from other accounts;
• pay utility bills from your account.

And in order to start using Internet banking, you need to follow a few simple steps. Official website of OTP Bank otpbank.ru

In general, the client receives all data about the site after registration. He just needs to enter the site address in a search engine, and he immediately gets to the desired page. Login information is the card number or agreement with the bank and the password that you assign yourself. You can also use SMS confirmation to your phone, which will indicate the password.

Mobile application OTP Bank

Considering that today many bank clients use electronic gadgets, the bank has developed a special mobile application that allows you to be aware of the status of your accounts or make payments around the clock. The mobile application is developed for Android and iPhone OS, which must be downloaded to your tablet or smartphone. You can download the official OTP Bank application using the links below.

You need to change the phone number that you indicated when concluding an agreement with OTP Bank and which is used for a) authorization when calling the bank, b) when authorizing in the OTP bank account, to a new one, because your number has changed. What will you do?
A) Try changing it via chat with the bank(as in Tinkoff) in the application(as in Alfabank, Raiffeisen Bank, Sberbank)? (not correct. Get the operator’s answer that “you can change your phone number during a personal visit to the bank, addresses and schedule of branches via the link” - go to ***).
b) Will you go to the bank branch, of which there are only 12 in the city, after the end of the working day (after 18:00) but before the branch closes (until 21:00), as indicated on the website? (not correct: there is no form, the application is accepted based on your words, and the bank employee who can carry out the operation of changing the number works exclusively until 18 o’clock, like all normal people who can just go to the bank after work).
V) Will you use alternative methods (there are none), call the call center?(wrong: there are no alternative options, and when you call the call center you will state your code word, passport details, date of birth, what color of your panties, when was the last time you ate and what, after that you will be asked about the purpose of your call and answered that They can’t help you, go to the bank branch).
G) You managed to complete the quest above, you somehow miraculously managed, as it seems to you, to change your phone number (let’s say you caught the clerk before 6 p.m.), waited 10 days allocated by the bank for this procedure, is everything okay now? (No, because when you call 0707, the bank’s IVR system recognizes your number, you are addressed by your first name and patronymic, but when you ask for a login and password for your personal account, they cannot give it to you, because the bank employee made a mistake and did not add (+) before the phone number, and they can only send the password if the phone number is specified correctly.) Wait 30 days.

How to change a phone number if, when entering it into the database, a bank employee made a mistake and forgot to add (+) before the number? that is, in the database it is written as 79991112233, but should be as +79991112233.
Options:
1. Contact the bank branch before it closes. and again hear that the employee who can do this works until 18:00, and you arrived at 18:01
2. Ask for an application form to leave it at the bank, and the employee who works until 18:00 added +? no - there is no form, although you clearly remember that when you changed your number for the first time, you filled out some kind of form.
3. Call the call center to ask to add + to the number through the operator on 0707? No, because You cannot contact the operator on this number, the maximum is to block the card.
4. log into your personal account and change the number yourself? No, what are you talking about - you don’t have a login and password for your personal account, because they can’t send it to your phone number.
5. Maybe the bank's technical employee needed to write a program so that it would be impossible to register a number in the wrong format? Pfff... what the fuck am I writing, it doesn’t happen.
6. When contacting an address [email protected] ask to add a plus sign to the number and log in to your personal account after 1 minute? Pfft... who needs this? You will receive a response that your request has been registered and wait 30 days.

The result is that no one can change the number, they cannot accept the application, the schedule is drawn up in such a way that not a single normal working person will get into the bank without damage to their work, there is no protection against basic errors when entering data, “you are a fool”!

OTP Bank 01/30/2020 6:35

Dear Vitaly,
Thanks for your feedback.

Thank you for your interest in our Bank's product.

To date, I have done work to correct the error that has arisen.
You previously registered a review https://www.site/services/responses/bank/response/10340653/ to which you were provided with a response after a full check.

On behalf of the Bank, I apologize to you for the inconvenience caused.

If you call the OTP Bank hotline, the client will hear the informant’s voice menu. It consists of 5 sections. Each section corresponds to a specific key on the phone layout.

• If you want to quickly connect with an operator and not wait for the informant’s full message, then you need to click figure.
• Behind number information about bank cards is fixed. In this section, the client will be able to obtain comprehensive information on debit and credit cards, leave a request for issue, find out the production time, check the status of the review, find out the date of the next credit card payment or the minimum payment, etc. By pressing a number in the main menu, the client enters the subsection menu of the “Bank Cards” category. Here you can quickly block the plastic card by pressing the number, activate a new card by pressing the number, get a PIN code (number 3), find out any information (number 4). For example, if you want to activate your card, you need to call the OTP hotline and press the following sequence of numbers: 1 - 2.
• Under number The main menu contains a section with information about loans. It also consists of several subsections. By clicking on a number in this section, the client can receive information about the bank’s POS loans, which are provided for the purchase of goods and services in partner stores.
  The number will connect the client with an operator who will provide comprehensive information about consumer cash loans and non-targeted loans. By clicking on the number, the client will receive information about the conditions for granting and servicing loans at OTP Bank.
• The “Deposits” section in the main voice menu of the OTP Bank contact center is located under the number. When you click on this number, the client is immediately transferred to an operator. There are no subsections here.
• The last category of the main voice menu of the OTP Bank call center is “Other products and services” under number. There are no subsections here, so there is a direct connection with a contact center employee.

How long does it take to wait for operators to respond?

The OTP bank call center is not so overloaded that users wait 20-30 minutes for an operator to answer them. The usual response time rarely exceeds 1-1.5 minutes. In some cases, delays from 3 to 10 minutes are possible. This happens most often during rush hour. This period lasts daily from 16:00 to 20:00. This often happens on Fridays until late in the evening.

Disadvantages of the OTP contact center

When calling the OTP Bank hotline and subsequently connecting with an operator, the system does not inform the client of the approximate waiting time, stating only that the first available operator will answer the phone call. In most other banks, the client is informed of at least the approximate waiting time for an employee’s response, and this is much more convenient.

The biggest disadvantage of the OTP bank hotline is that the client will not be able to return to the previous menu by pressing any key (# or * in other banks). This is simply not provided for in the OTP Bank voice menu.
If the client makes a mistake and selects the wrong button, he will have to make a second call, or wait for an automatic connection with the operator, which will happen if he does not select any of the categories 2 times in a row.