OTP Bank issues loans in amounts up to half a million rubles, while 200,000 rubles you can get 75,000 rubles in 15 minutes. Quick application processing is combined with fairly high interest rates. The main requirements for the borrower are age from 21 years, Russian citizenship and permanent employment.

Basic conditions:

• Loan amount from 15,000 to 1,000,000 rubles
• For registration you only need a passport
• Rate 11.5% – 19.9% ​​for loan amount from 300,000 rubles
• Rate 14.9% – 35.7% for loan amount up to 300,000 rubles

OTP Bank is a universal financial organization that provides individuals and corporate clients with a wide range of banking products and services. As of October 1, 2018 equity bank amounted to 32 billion rubles.

The mission of OTP Bank is to build long-term relationships based on mutual trust with partners and new clients, increase the financial literacy of the population by providing them with accessible and understandable products, as well as market development banking services to create more comfortable conditions that allow employees of the organization to grow professionally.

The bank’s vision is no less promising and is expressed in the desire to become a partner for clients that they can trust, to become one of the 20 largest banks in Russia, to develop further as a universal financial organization, showing an increase in profits and numbers individuals who constantly use the services of the bank.

Why choose OTP Bank?

To answer this question, it is enough to consider the advantages of this financial institution:

• having its own service network (points consumer lending– 143,551, cash offices – 96, points customer service– 134, ATM network – 195 and terminals – 269);
• presence in more than 3,700 settlements of the country and providing clients with a full range of services, despite the social status of a particular area.

The bank’s most popular financial products for private clients are obtaining a cash loan for any purpose up to 4 million rubles, obtaining a credit card with a grace period, the ability to use borrowed funds for pensioners and opening a deposit at a favorable interest rate.

Except private OTP clients The Bank actively cooperates with representatives of small businesses, providing them with the following services - free opening and maintenance of current and special accounts, provision of Internet banking to inform clients regarding their financial transactions, online account reservation in 30 seconds and the ability to use a Premium account for free.

For corporate clients the bank develops individual credit solutions, taking into account the specifics of their business, and for financial organizations becomes a reliable partner, providing a variety of services and a decent level of service.

Official website of OTP Bank

A cash loan from OTP Bank is the amount of borrowed funds that is attracted by citizens on a non-target basis in order to satisfy consumer needs. It is provided for a specified period at an effective interest rate, which can be determined using a loan calculator. Based on the results of the calculation, you can submit an online application to obtain a preliminary decision credit commission.

Conditions for obtaining and processing a cash loan at OTP Bank

Cash loans from OTP Bank for individuals are a key area of ​​its work. Currently, more than 1 million Russians use borrowed funds provided by this financial institution, which is based on Hungarian capital.

Before submitting an online application for a cash loan from OTP Bank, you should familiarize yourself with the features of this product.

1. The interest rate depends on the loan term and the individual characteristics of the borrower;
2. When assessing a client, a scoring system is used, which allows you to determine the interest rate on an individual basis;
3. The terms of cash lending at OTP Bank allow you to count on a rate of 11.5%, subject to the conscientious repayment of the loan within 4 months.

If the borrower is late in repaying the loan, then the initial interest rate returns without the possibility of further reduction.

What documents are needed for a cash loan at OTP Bank? The composition of the package of papers depends on the size of the loan:

• For amounts up to 200 thousand rubles, a passport, SNILS, INN, salary (pension) certificate or bank account statement is sufficient;
• For a loan from 200 to 400 thousand rubles, you will also need to attach a copy of your work record book certified by the employer;
• Take OTP loan Bank cash without a certificate of income is only possible in the amount of up to 400 thousand rubles; if the amount exceeds this limit, the bank will require 2-NDFL or a detailed certificate of income.

Regular customers financial institution can count on more favorable conditions for submitting documents and a reduction in the initial interest rate by 0.5-2%. OTP Bank does not exclude the possibility early repayment loan: this can be done without additional payments and commissions.

You can submit an online application for a cash loan at OTP Bank directly on the pages of the GuideCredit portal. To do this, enter the loan amount, term of use of funds, full name in the form fields. and the borrower’s place of residence, his passport details, place of work and length of service.

OTP Bank cash loan calculator based on online application

Before making a final decision on the need to attract borrowed funds and submit an application, you should use the cash consumer loan calculator from OTP Bank. This convenient online portal service allows you to:

• Enter the amount of borrowing and the period for using the funds in the fields;
• Receive in a few seconds not only effective rate interest, the amount of the monthly payment, the amount of overpayment, but even a detailed payment schedule by date.

You can open the loan repayment schedule in a new tab, download it to your phone, tablet, computer, or even send it by email.

The online loan calculator is not the only advantage of the GuideCredit portal. Our resource provides the borrower with detailed information about loan products, requirements for borrowers, and required documents.

Here you can find out the advantages and disadvantages of each bank loan, to know expert opinion, which will make sure it is advisable to take a cash loan from OTP Bank. Choosing credit product you can set its purpose, collateral and type (no more than four parameters for all three columns).

The “Apply online” button allows you to find out a preliminary credit decision within 15 minutes OTP commissions bank regarding the possibility of issuing funds.

Credit cards are one of the most popular products among Russians. And when it comes to choosing a lending bank, the borrower’s eyes simply run wild - a sea of ​​offers, and try to figure out which one is truly profitable.

In this article we will look at offers on credit cards from OTP Bank. If you are not yet familiar with this credit institution, then you will probably be interested in it. But first things first.

Main product line

OTP did not create a rich line of cards, trying to capture the imagination of an inexperienced client. On this moment Only 4 types of credit cards are valid from OTP Bank, which the borrower can apply for:

• Visa Classic;
• MasterCard Standard;
• Visa Gold;
• MasterCard Gold.

As you can see, the main difference is only in the plastic status and limit line of credit provided to the client after verification of solvency.

Interest on the use of borrowed funds from a credit OTP cards banks are market average, and do not vary much, as, for example, in Russian Standard.

The most profitable offer from the bank are received by borrowers based on pre-approved applications (usually to those who previously took commodity or consumer loan, and successfully paid it off; or employees of companies that provide salary services).

There are three lending programs in total:

• with a minimum package of documents;
• With complete package documents;
• at the invitation of the bank.

The total cost of a loan under these programs is:

It is more profitable to pay with a credit card than to withdraw cash– in this case, the rate for the use of funds is significantly lower:

• for bank clients – 19.9% ​​per annum;
• for cards with a full package of documents – 24.9%;
• for cards with a minimum package – 29.9%.

The annual service cost is 1,800 rubles for Gold category cards, and 600 rubles for classic cards.

FOR REFERENCE: The cost of a loan when withdrawing cash from an OTP Bank plastic credit card is calculated according to upper limit interest rate.

At initial registration OTP cards are usually provided by minimum credit limit– from 20,000 rubles. Later it can be increased at the initiative of the borrower or the lender himself.

The maximum amount of the credit line is 1,500,000 rubles. During initial registration, the limit for Standard category cards is 150,000 rubles, Gold category cards are 200,000 rubles.

How to get a credit card

For clients who have information in the system, it is possible to submit an application through your personal account “OTP-Direct”, or by phone hotline.

After checking the information, the lender will make a decision on the application within 5 days and notify the client about it.

Persons who are not clients are offered two ways to obtain a credit card:

• submitting an application with the help of a contact center manager;
• filling out an application on the website.

Or, if the city has OTP branches, the application can be submitted at the branch. You will need to have a general passport and TIN (minimum set of documents) with you.

After production, the card will arrive at the branch of your choice, or will be sent by Russian Post to the address specified in the application form. Once received, the credit card must be activated within 60 days, and get a PIN code - you will need it to withdraw cash from ATMs.

On the pages of our website you will also find out! We’ll also tell you how to quickly get a credit card.

Conditions and requirements for the recipient

The bank is ready to consider applications from persons over 21 years of age who do not have... The main requirement for the borrower is to have a permanent job.

OTP carefully checks the employer Therefore, companies with low turnover or debt to the Federal Tax Service usually do not undergo security checks.

The absence of any credit history will also be a reason for refusal to issue a credit card.

However, within 4 months from the moment the client applies, they can reconsider their decision and issue a card with an individually calculated credit limit.

The minimum requirements for the borrower are:

• length of service at last place of work – from 6 months;
• normal employing organization (checked especially carefully!);
• age from 21 to 55 years for women, from 21 to 60 years for men;
• availability of a valid passport and TIN - for credit cards with a minimum package of documents;
• documents confirming employment and income - for a program with a full package of documents.

Review of the application may take from 5 to 10 working days(no one is in a particular hurry), and this applies to cards of any status. From time to time you need to call the contact center and clarify the information on your application.

Once approved, the credit card will be issued and handed over to the branch or sent by mail. In total, the procedure for obtaining a credit card from the moment of application to the moment of its activation can take up to a month.

How to receive and activate a card

In order to receive a card, you will need to go to the office with your passport, or pick it up at the post office(depending on the delivery method you choose). After this, the credit card must be activated. While the card is inactive, transactions cannot be made with it.

After receiving an OTP Bank credit card to activate it you need to call the help desk at 8-800-200-70-02, and following the operator’s instructions, activate it. You will then be prompted to create a PIN online.

The whole procedure takes no more than 5 minutes. Be sure to write down your PIN and keep it in a safe place. The activation procedure and obtaining a PIN code is completely free.

Grace period

OTP, like most banks, offers a grace period, during which you can use borrowed funds without interest.

But with one important limitation - it does not apply to operations to withdraw cash from the card, only for non-cash transactions.

Therefore, it is important to remember this nuance before withdrawing money from a credit card.

HELPFUL ADVICE: You can save on withdrawals and take advantage of the grace period if you transfer funds from the card to online wallet.

Having written off money from there to debit card, you can use cash without losing the privileges of grace period and without overpaying a large commission for withdrawing cash from an ATM.

The duration of the grace period is standard and is 55 days. The countdown starts from the moment you make your first purchase using the card.

You can find out about the validity period of the grace period and track all transactions in the OTP-Direct Internet bank, or using the mobile application.

How to use

The rules for using the card are simple and clear. You can use it to pay for purchases: in stores, or on websites on the Internet.

It’s up to you to decide whether to withdraw cash using the bank’s own ATMs or use it only for purchases, although, as already mentioned, the latter option is much more profitable for the borrower.

To pay with a credit card in a store, you just need to swipe it through the terminal cashless payment and enter your PIN code. The purchase amount will be immediately debited from your account, and you will receive an SMS notification about the debit transaction.

The card must be stored carefully without damaging the magnetic stripe. Because of this, it may stop working and you will need to order a reissue.

REMEMBER: The PIN code is stored separately and is not disclosed to unauthorized persons in order to avoid theft of funds from the account. Pay with a card only on trusted sites on the Internet, or create an electronic wallet specifically for such purchases. It can be topped up directly from your personal account on the bank’s website.

When you receive the card, you will be given instructions on how to use it., as well as information about tariffs and the full cost of service. Save these documents, they may be useful to you.

How to find out your balance

To find out the available balance on your card, you can use several methods:

• call the OTP contact center;
• request balance at ATM;
• use your personal account;
• install and use mobile app"OTP-Direct";
• use the SMS banking service.

If you live near OTP department, then the information can be obtained from the employee upon presentation of your passport.

The simplest and convenient ways is an SMS service and mobile application. They allow you to constantly control your card transactions.

Debt payment and minimum payments

How to top up an OTP Bank credit card? There are many ways to pay off debt for clients - just choose the most convenient one and use it. You can pay off your credit card payment:

• in the Megafon salon;
• through systems money transfers;
• from another's card banking institution;
• by writing an application to the accounting department at the place of work;
• by depositing money through Russian Post;
• through self-service terminals and ATMs;
• at the bank's cash desk (if in your locality there is a department);
• from an electronic wallet;
• in Svyaznoy, Euroset and at the checkout counters of a number of stores and communication shops - full list can be found on the website.

As you can see, with There will be no problems to pay on time. It is only important to know the amount minimum payment.

Here I would like to make an important clarification. Payments must be made in amounts exceeding minimum payment. The latter almost completely goes towards repaying the interest on the loan, and the principal debt is written off in tiny amounts.

The minimum payment amount is calculated based on the amount of your card debt, and changes monthly. The minimum amount required to pay off the debt is 5% of the amount spent. The exact amount of payment can be found on the monthly invoice statement, or in personal account on the bank's website.

If you repay all used funds within 55 days from the date of the first transaction on the account, you will fall under the terms of the grace period.

IMPORTANT: If you missed making the minimum payment, or it was credited later than the date stipulated by the contract, then you will be charged a penalty - from 1000 rubles.

All about cash withdrawal

As with using any credit card (except, probably, Sberbank) withdrawing cash from an OTP Bank card will be unprofitable for the borrower. Why?

Firstly, there is no grace period when cashing out funds, during which you can repay the debt without interest.

Secondly, there are limits on withdrawals in the amount of 50,000 rubles per day. The percentage for withdrawal is 3.9% of the amount, the minimum is 290 rubles, it doesn’t matter - in your own OTP ATM, or in a third party.

In addition, an increased interest rate will be applied - its amount can be viewed in the “Card Line” section.

The removal procedure itself is very simple. It will require a PIN code, which the borrower receives immediately after activating the card at the contact center.

The credit card is inserted into the ATM, the PIN code is entered and the required amount is selected for withdrawal. It is better to save transaction receipts.

How to close an account

After you decide to close your credit card, the question arises - how to do it correctly so as not to remain in debt to the bank?

We will describe the procedure for correctly closing an account.

To cancel your credit card, it is necessary to fully restore the credit limit. To clarify the current amount of debt, it is best to contact a bank branch with your passport.

You will then be required to deposit the required amount into your account through the bank's cash desk, and write two statements.

One is about refusal of service, the second is about closing a card account.

The bank manager will accept your applications, and will perform the account closure procedure in front of you. You should be given a notice accordingly. Save it.

Otherwise, you will need to contact the bank again to resolve the issue, or write a complaint to the Central Bank and Rospotrebnadzor.

In 2020, the bank will issue standard and gold credit cards of the MasterCard payment service within three tariff plans:

• "Clear map" Product Feature – free service and cash withdrawal without commission.
• "Big cashback" The card provides cashback of 7% of the amount of purchases in the selected category and 1% of the amount of other purchases.
• "Lightning". The refund is 1.5% of the amount of any purchases, and interest is also charged on the credit card balance.

Conditions for credit cards at OTP Bank

• Limit – up to 300,000 rubles for the “Clear Card” and “Molniya” TPs, up to 1,000,000 rubles for the “Big Cashback” TP.
• The interest rate depends on the type of transaction performed (receiving cash or paying for purchases with a card).
• Grace period – up to 55 days.
• The minimum required payment is 5% or 6% of the principal amount, depending on the product chosen.

Using a credit card

The grace period for all credit cards lasts up to 55 days, during which you can fully return the spent amount without paying interest. It includes billing period– 30 days for making purchases and a payment period – the next 25 days for repaying the debt. The length of the grace period depends on the date of the transaction.

Example: Card activation date is September 5 (beginning of the billing period). On September 15, the client paid for goods worth 7,000 rubles in the store, and on September 28 he spent another 13,000 rubles. Interest will not be accrued if 20,000 rubles are credited to your credit card account before October 30. The interest-free period for the first transaction will be 45 days, for the second – 32 days. If the conditions of the grace period are not met, it is necessary to pay minimum payment– 1000 rubles (5% of the used limit).

Interest for use borrowed funds are not accrued only when paying for goods or services. When receiving cash from ATMs, the grace period does not apply.