Where can I withdraw money without commission from an OTP Bank card? OTP Bank: partner banks and ATMs Withdraw money without commission OTP Bank.

Most clients who receive wages into a bank account or simply top up their card periodically to pay for certain services are interested in the issue of withdrawing money without paying additional charges.

After all, not everyone wants to pay additionally to receive their own Money.

Therefore, most banks have long changed their policies towards their clients and most tariff packages include the service of interest-free withdrawal of money from debit cards.

Withdrawing money through a cash register

For customers who cannot cope with mastering an ATM, there is an excellent option where you can withdraw money from OTP cards bank without commission - contact the nearest bank branch.

Each branch has a cash register where the client can make a payment using the specified details, withdraw or deposit money into an account, or pay for various services.

You only need to have a card and passport with you for identification.

There are also ATMs installed in each branch, which customers can use if there are queues at the cash desk.

For customer convenience, some branches have special self-service areas that are available even after the bank is closed. Access to them is carried out using a plastic card of an OTP Bank client.

Withdrawing funds through an OTP ATM

Cash out from plastic card You can use any of the OTP Bank ATMs without commission.

Thanks to its wide customer service area, their number is increasing every day and you can receive your money at any convenient time in almost any city in Russia.

A large number of ATMs allows you to reduce queues operating cash desk bank branch, because people try to look for the nearest ATMs and cash out their money there.

Most ATMs do not charge additional fees for withdrawing your money, but they may apply when withdrawals are made. credit funds.

In this case, the standard interest rate for withdrawal will be charged (may vary depending on tariff plan), which is 3.9% of the withdrawal amount. But at the same time, for each operation you will have to pay at least 350 rubles in commission.

ATM locations


To make it convenient for customers to search for ATMs, a special service was created that will show all terminals, ATMs and branches of OTP Bank on an up-to-date map of the city.

To use it, you will need to go to the bank’s official website and select the “ATMs and branches” section from the main menu. But before that, it is very important that the site correctly determines your location. The city that was automatically determined by the site will be displayed next to the button.

For some reasons, it does not always coincide with the present, and if this happens, then simply click on the name of the city and select the one in which you are located from the list.

After that, click on the button and a current map of the city will open with marked ATMs, branches and self-service terminals.

The service also has a special indicator that will show the current workload of branches. This helps many clients evaluate their time and know exactly whether it is worth contacting the bank at this moment.

Can I withdraw money from other ATMs?

Yes, you can cash out your funds through other ATMs, only in this case the client will be charged an additional fee for using the services third party bank. But to solve this problem, banks enter into partnership agreements with each other.

According to such documents, the bank must serve the client of the partner bank on the same terms as its client.

We can say that you can withdraw money from your plastic card at a partner’s ATM under the same conditions as when using a standard OTP ATM.

Since OTP has joined the United Settlement System, you can withdraw money without paying additional interest at any ATM that is marked with a special sign indicating that the ATM belongs to this group.

They are usually located in large shopping centers, airports, hotels and other similar places.

But even in addition to cooperation within the framework of the United Settlement System, OTP Bank signed partnership agreements with such banks as Avangard and Uniastrum. The current list of ATMs of OTP Bank partners without commission can be found on the official website or from a consultant at a bank branch.

It is worth noting that you can even repay loan obligations through partner ATMs without additional fees.

This can be done either by transfer from another card or by simply depositing cash. Only in this case the ATM must be equipped with bill acceptors.

Check out bank offers

Cashback card in Rosbank Apply for a card

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  • Cashback up to 7% - on selected categories;
  • Cashback 1% - on all purchases;
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  • Internet banking – free;
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  • Up to 4 different currencies on 1 card.
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  • Up to 5% cashback;
  • Cash withdrawal without commission at partner ATMs;
  • Internet banking – free;
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Card from Vostochny Bank Apply for a card

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  • Up to 7% cashback;
  • Cash withdrawal without commission at partner ATMs;
  • Card maintenance is free;
  • Internet banking – free;
  • Mobile banking is free.
Card from Home Credit Bank Apply for a card

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  • Up to 10% cashback with partners;
  • Up to 7% per annum on account balance;
  • Withdrawing funds from ATMs without commission (up to 5 times a month);
  • Apple Pay, Google Pay and Samsung Pay technology;
  • Free Internet banking;
  • Free mobile banking.

 		Debit card from Alfa Bank

The overwhelming number of clients whose wage transferred to a bank account, or they simply replenish its balance in order to pay for services; they are interested in the issue of withdrawing funds without paying additional commissions.

Today, cash withdrawal from an OTP Bank card is carried out in several available ways.

Conditions for withdrawing cash from an OTP Bank credit card

Cashing out a credit card account at an ATM without paying a fee is possible only if certain conditions are met. Any device is suitable.

The main thing is that it is in good condition and carries out cash issuance operations. Customers are required to use the product in accordance with existing conditions and limits that exist in OTP Bank.

The credit card implies a grace period during which no interest is charged on the card for use. credit limit. There is no charge for the production and maintenance of the card, so it is provided free of charge.

According to the bank's terms and conditions, clients do not pay a commission for withdrawing money from credit card. Instead, the bank increases the interest rate specified in the agreement. Because of this, using credit cards from OTP Bank for clients is not particularly beneficial.

To find an ATM that allows you to withdraw money without paying a commission, you should pay attention to the addresses indicated on the bank’s official Internet portal. The website has a list of companies with information about where exactly they are installed.

Possible limits and restrictions

OTP Bank does not charge any fees for cash withdrawals. Management has established certain rules that relate to transactions for cashing out funds from plastic cards.

It is important that these conditions are adjusted and supplemented depending on which product the client uses. For example, plastic MasterCard Standard designed for the category of persons who, for the period of applying to the bank, are included in the repayment limit of 18-25 years.

Owners of this product can withdraw no more than 50 thousand rubles from their account per day, while the monthly limit increases to 200 thousand rubles.

Ways to withdraw money from a credit card


If card users do not wish to pay fees for withdrawals, special attention should be paid to the following options:

  • withdrawing money from a local ATM. They are usually installed in OTP bank offices;
  • in machines located in branches that are official partners of OTP Bank.

Before using any method, the user must determine the type of card, since credit and debit cards are cashed differently.

In the second case, withdrawal of money is possible without paying additional commissions, but the client can withdraw money only at the bank’s office. Credit products used for other reasons.

If the product has debit status, then it is possible to withdraw money without paying a commission, but this condition applies only to the personal savings of users. So withdrawing cash from credit card OTP bank A with a minimum commission, or without it at all, is carried out in the following banks:

  • Savings Bank of Russia;
  • Alfa Bank;
  • VTB;
  • MDM Bank;
  • Raiffeisen and others.

The designated financial companies have a contractual relationship with each other, secured by an agreement, which states that in the event of charging a fee for the provision of services, the ATM must warn the client about the relevant rule in advance.

  • is being done remittance from one card account to another;
  • withdrawals are made both in rubles and in foreign currency, working in other republics;
  • The client purchases goods from certain groups.

Before performing a transaction, the client should visit the bank office or contact a bank specialist via the hotline.

During the conversation, it is necessary to clarify the information on the plastic card, including the amount interest rate, commission size and other equally important points.

Withdrawing money from a bank cash desk

Cope with the work modern technologies Not everyone can do it. As alternative option It is appropriate to contact the nearest OTP Bank office. The main thing is that the client has his passport and the credit card with him.

The entire withdrawal operation will be handled by a bank specialist. Any is available for withdrawal sum of money. IN OTP branches The bank has established special service areas, to which the product provides round-the-clock access OTP Bank.

OTP Bank does not provide any commission for cash withdrawals. Clients can withdraw funds through virtual wallets Webmany, Qiwi and Yandex. Money, and no commission is charged for the operation.

Replenishment of the electronic wallet occurs through a special section on the OTP Bank website “Electronic Money”. The client selects the appropriate provider, fills in the fields proposed by the system, and presses the “Run” button. Usually money is transferred within 5-20 minutes.

Check out bank offers

Cashback card in Rosbank Apply for a card

More about the map

  • Cashback up to 7% - on selected categories;
  • Cashback 1% - on all purchases;
  • Bonuses, discounts on goods and services from VISA;;
  • Internet banking – free;
  • Mobile banking – free;
  • Up to 4 different currencies on 1 card.
Card from Unicredit Bank Apply for a card

More about the map

  • Up to 5% cashback;
  • Cash withdrawal without commission at partner ATMs;
  • Internet banking – free;
  • Mobile banking is free.
Card from Vostochny Bank Apply for a card

More about the map

  • Up to 7% cashback;
  • Cash withdrawal without commission at partner ATMs;
  • Card maintenance is free;
  • Internet banking – free;
  • Mobile banking is free.
Card from Home Credit Bank Apply for a card

More about the map

  • Up to 10% cashback with partners;
  • Up to 7% per annum on account balance;
  • Withdrawing funds from ATMs without commission (up to 5 times a month);
  • Apple Pay, Google Pay and Samsung Pay technology;
  • Free Internet banking;
  • Free mobile banking.

 		Debit card from Alfa Bank

OTP Bank, which was previously called Investsberbank, has existed since 1994. During its existence, this financial and credit organization has become quite famous and successful. Nowadays, an extensive network of its branches and ATMs operates in almost all regions of the Russian Federation. At the same time, there are still numerous OTP partner banks Banks that allow clients to cash out funds in almost any corner of the country at no extra cost.

Several banks became the first partners of OTP:

  • Vanguard;
  • Uniastrum;
  • BinBank;

At the stage of acquiring the listed partners, OTP Bank has already significantly expanded its capabilities in attracting clients. But the management of the institution went further.

OTP Bank is a large financial organization that has been operating since 1994

United settlement system

The year 2010 was marked for the organization by the fact that it became a member of the United Settlement System. And one of the first. OPC, being a credit non-banking organization, has combined equipment intended for issuing cash and accepting payments from different banks into a single system.

Having become part of it, OTP has acquired more than 100 partner banks, and its clients have the opportunity to withdraw money from partner ATMs without charging an additional commission.

Among the partners of the OLP as a result of joining the OPC were such well-known financial organizations, How:

  • Gazprombank;
  • Tinkoff;
  • Oriental;
  • RosEvroBank;
  • Vneshprombank;
  • Nautical;
  • Transnational;
  • Investment Bank;
  • Doniinvest;
  • Rosbank;
  • MTS Bank.

The OPC network included tens of thousands of autonomous financial transaction devices. This was a benefit both for banks, which did not need to spend money on installing ATMs everywhere, and for customers. All participants in the system were subject to a preferential tariff.

For withdrawing money from an ATM not of their own bank, but of an ODS participant, clients were charged a commission of up to 1 percent. It was possible to withdraw funds from salary and pension cards without any commission at all.

Since 2016, with the launch of the National Payment Card System, the activities of the OPC have been discontinued. However, almost immediately the Bank of Russia re-registered non-profit organization"United Settlement System", operator payment system"Ors Payment Service". After this, the system’s management informed its partners and clients that all established connections and existing services would be retained within the new payment company. At the same time, it is planned to include modern and economical ATMs with a cash recycling function into the system, as well as to develop various innovative services.

While the plans for the activities of the ORS in the new financial reality are being implemented, the banks that were part of it maintain partnerships. Payment systems Visa and MasterCard, which were previously entirely within the scope of OPC activities, have reduced the amount of withdrawal fees through third-party ATMs. As a result, there was no special meaning in the existence of the United Settlement System in its previous form.

OTP Bank is a resident of NSPK

National payment card system

NSPC – National system payment cards. Now performs functions that were previously performed by the ORS. The NSPK quickly grew to the size of its predecessor, and now has more than a hundred participants. Therefore, to find out which banks OTP Bank cooperates with, you need to look at the list of organizations that have joined the NSPK. The most famous brands included in the national system:

  • Bank Russia;
  • Binbank;
  • Vanguard;
  • MDM Bank;
  • Alfa Bank;
  • MTS-Bank;
  • RRDB;
  • VTB 24;
  • Sberbank;
  • Raiffeisenbank

The new card system provides the opportunity to withdraw funds from third-party ATMs with minimal losses. But the amount of commission, interest, rates and terms of the transaction may change.

When withdrawing funds from the card, the client sees information on the ATM screen about how much he will pay for the transaction.

In the future, the national system should replace foreign ones, whose cards account for 85% of all non-cash payments in the Russian Federation. The domestic system is designed to provide the entire structure of non-cash payments with complete security and autonomy. The basis is the Chinese version of the organization of the card market.

Withdraw cash from OTP card

Money is withdrawn from any OTP card at a cash point or at an ATM of the same bank without commission. As for third-party ATMs, it should be noted that there is a difference in servicing salary cards (aka debit cards) and credit cards.

When cashing out money from a salary card at a third-party ATM, a percentage is withdrawn, the amount of which is determined by the card tariff. The situation with credit cards has changed, and today, as a result of serious monitoring, money is withdrawn from OTP credit cards by both domestic and third-party ATMs without commission. There are also debit-credit cards, which can also be serviced at third-party ATMs interest-free, but only when withdrawing your own funds.

OTP Bank issues cards of different payment systems

Cashless payments

In many cases, when a person is looking for where to withdraw money without a commission from his plastic card, you can do without cashing out at all, and save not only money, but also your time. The fact is that in many retail outlets you can now pay by card using bank transfer.

The commission for such an operation is not charged, and this is established at the legislative level. A bank card can be used to pay for purchases of groceries, clothing, household appliances, furniture, as well as orders in cafes and restaurants, taxi rides, utility bills and much more. Therefore, cardholders can do without cash at all.

OTP Bank works with international payment MasterCard system. Now there are more pension cards national Russian system World. Retail outlets, establishments and institutions that accept cashless payment services place logos of payment systems at the entrance or near the cash register. Paying for goods and services by bank transfer is beneficial not only for the client, but also for the bank and the store. That's why this option payments are stimulated through bonuses, return of a percentage of funds spent, as well as gifts and discounts.

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The group's first financial transactions banks OTPs were carried out in 1949 in Hungary, where this credit organization was founded. To date partner banks of OTP Bank and its branches are located in such countries of the world, concentrated in Central and Eastern Europe. In Russia, this institution began operating as a subsidiary of the Hungarian banking group. Initially, in our country the organization was called Investsberbank. Today she is known as OTP bank.

Gradually, the OTP organization acquired partnerships with the largest credit institutions Russian market. OTP Bank partners allow clients to use their services on favorable terms. They are provided with favorable rates for financial transactions. Official agreements jar With partners allowed citizens to save time and money when using ATMs without commissions.

Cooperation with other credit institutions also influenced the attraction of clients. IN OTP Bank They are well aware that many people are looking for organizations that provide the most comfortable conditions for making financial transactions. And installing your own ATMs V populated areas in sufficient quantities is a difficult task. OTP tried to resolve this issue by involving partners. They provide their ATMs without commission various localities to bank clients.

First partners of the credit institution

Partner banks at OTP at the moment there are a lot, but the first that began to provide the opportunity to use their ATMs clients jar without commissions were the following institutions:

  • Moscow Business Bank;
  • BmnBank;
  • Vanguard;
  • Uniastrum.

Joining the OPC

Replenishment OTP bank partners started after the institution joined the OSS (United Settlement System). This happened in 2010. The largest credit institutions in Russia opened to clients jar access to use the services of their ATMs. No commission is charged for completed transactions. Among the largest partner organizations after joining the OPC are the following:

  • MTS Bank;
  • Rosbank;
  • AK Bars;
  • Oriental;
  • Rusfinance;
  • Moskombank.

However, in 2016, the Bank of Russia decided to prohibit transactions in ATMs using cards jar VISA and MasterCard. This was due to the formation of a new national payment card system. However, in relationships jar and its partners, in ATMs who can still use the services without commissions, this had no effect. Their number has not decreased. Full list of partners in OTP Bank can be found through its official website, which also contains the address of the nearest ATM. Thus, after the introduction of the national payment card system, established connections between OTP Bank and his partners have survived and continue to this day.

The OPC was replaced by the National Payment Card System. And in order to find out whose ATMs clients can use OTP to carry out transactions without commissions. To find out about the institution’s partners, you just need to read the list credit institutions included in the NSPK. The largest banks, included in this system were:

  • Sberbank;
  • VTB 24;
  • Alfa Bank;
  • Bank Russia.

Thanks to the new system, clients OTP banks can carry out financial transactions in ATMs organizations included in it minimal commissions or without them at all. It is worth remembering that everyone bank Commission amounts, interest rates, and terms of service may change.

Cash withdrawals using OTP cards at our own ATMs and ATMs of third-party institutions

IN bank Credit and debit cards are issued. With any of them it is possible to withdraw cash by finding a suitable one ATM partner banks and OTP. However, when making financial transactions in an ATM, it is worth remembering that withdrawing cash from salary cards issued in OTP Bank there are some peculiarities. Without her commissions You can withdraw funds only from ATMs of the jar. In third-party ATMs, cash is withdrawn according to the tariff plan bank card. A certain commission percentage is charged.

IN OTP Bank Increasingly, customers are provided with credit cards from which they can also withdraw money in cash. It should be noted that due to the emergence of monitoring, it is possible to withdraw funds from loans in the institution’s own ATMs and its partners without commissions.

In the branches jar Debit/credit cards are also issued. You can also withdraw money from them in cash at any ATM without any interest, but in the event that the client withdraws his own funds, not credit.

Cash withdrawals worldwide

OTP Bank provides the opportunity to use plastic cards anywhere in the world. To do this, you just need to use an ATM that accepts VISA cards and MasterCard.

When withdrawing cash abroad, a commission may be charged, the amount of which depends on the tariff plan of the plastic card issued by the bank.

Cashless payments

IN bank customers can receive debit, credit, debit-credit or salary cards, from which there is no need to withdraw funds to pay for goods and services. Very often, people waste time looking for a suitable place to withdraw money. However, cashing out is not always necessary. Using OTP cards, everyone can pay for goods and services without commission. Cashless payments are available at most retail outlets.

Currently credit institution cooperates with the international payment system MasterCard. Pension cards of the national payment system MIR have also appeared. To make purchases, you just need to choose a suitable retail outlet and make an interest-free payment using your plastic card.

Quality service

Services jar used by residents of Central and Eastern Europe. Branches are located in various localities in order to make them more accessible to the population. OTP has many branches, its own ATMs, and also partners with whom financial transactions become even more accessible. A complete list of institutions whose ATMs allow you to withdraw cash without commissions can be found on the organization’s website.

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

OTP Bank clients have the opportunity to make non-cash transactions through Internet banking, which can be used on a computer or mobile phone. If you need to withdraw money from an OTP Bank card without commission, you can go to ATMs. In addition to devices that are installed in the compartment of the specified banking organization, it is also possible to use ATMs of partner banks.

Necessary conditions for withdrawing money from an OTP Bank card without commission

You can withdraw funds from your card at an ATM without charging a fee, subject to certain conditions. To withdraw money, use any ATM that is in technically good condition and dispenses cash at the time of the transaction. Clients must comply with the restrictions and limits set by the issuing bank. They will be discussed below.

When using to withdraw credit cards, please be aware that it is installed Grace period, during which no interest will accrue. There is no need to pay for opening and servicing the card; it is free.

Important! Please note that if you withdraw funds from a credit card, no commission will be charged, but the interest rate will be increased, which is specified in the relevant agreement. For this reason, using credit cards from OTP Bank is not entirely profitable.

In order to find out where there is an ATM where you can withdraw money without charging commissions, you can contact the official website of the banking organization. The portal displays a list of addresses of organizations where devices are installed.

Where can I withdraw funds?

When the card is a debit-credit card, it is possible to withdraw funds without commission, but this rule applies only to the clients’ own money. OTP partner banks include:

  • Sberbank;
  • Alfa Bank;
  • MDM Bank;
  • Raiffeisen;
  • VTB and others.

An agreement has been concluded between banking organizations conducting joint activities, which reflects that if commission fees are charged, the self-service device must warn the client about this, and if necessary, he can refuse to complete the transaction. This rule refers to situations where:

  • transfer from one card to another is carried out;
  • funds are withdrawn, both in rubles and in the currency of a foreign state;
  • some goods are purchased.

Before making a transaction, contact the bank branch through a personal visit or call hotline and check the current data on your card, including what the interest rate, commission and other conditions are.

In Ukraine, OTP Bank is a large organization and has a large number of partners. These include:

  • BTA Bank;
  • Diamantbank;
  • Alfa Bank;
  • Bank of Investments and Savings;
  • Idea and others.

It is worth noting that it is possible to withdraw money without commission at the cash desk of a banking organization. You can contact any bank office that is closer to your home or place of work. When performing a transaction, you must have a document with you to establish your identity. Otherwise, you will not be able to withdraw money.

Restrictions and limits

The Bank has established certain restrictions and limits that apply to operations for withdrawing funds from plastic cards. It's worth noting that the terms and conditions vary depending on what type of card you use. The MasterCard Standard card is issued only to persons who, at the time of applying to the OTP, have reached the age of 18 to 25 years. You can withdraw up to fifty thousand rubles from plastic in one day, and up to 200 thousand rubles in a month.

If necessary, the card can be opened in foreign currency. You can withdraw 1,000 dollars or euros per day and 6.5 thousand monthly. With golden debit card You can withdraw up to 500 thousand rubles per month, and up to 90 thousand rubles in one day.

What difficulties may arise

Difficulties in completing the transaction in question may be associated with the use of a credit card. The main point is to increase the interest rate, which is disadvantageous for the client. In this case, it is more profitable to pay a commission equal to 350 rubles than to use the product in the future for increased rate. When using debit cards, difficulties arise because withdrawals without additional fees occur only at OTP ATMs. However, they are not located everywhere.