To start using an OTP Bank card, you must first activate it. To do this, you should call the bank at 8800 200 7001 or contact an employee on Skype otpbank_russia and inform them of your intention to activate your BOD. After you answer the specialist’s clarifying questions, the card will be available for use in the near future.

Credit card holders can activate BOD through an interactive voice response (IVR) service. To do this, you will need to call the number 8800 200 7001 and dial “4” in tone mode.

2. Checking the card balance

You can find out your account balance in any way:

• By phone (without connecting to an operator)

Using interactive telephone service (IVR). You will need to call 8800 200 7001 and dial “2 card number * telecode” in tone mode.

• Via SMS

You can find out your available balance at any time by sending an SMS with the word bal to 5927 from your mobile phone.

• Using Express Checkout

To receive an express certificate for a card, you need to enter the BOC number and telecode on the bank page.

• Via OTPdirect online banking

Going into Personal Area remote access systems OTPdirect, on home page you can see all the basic information about available cards, loans, accounts. You can read the Instructions for working with the OTPdirect Internet service on the website.

• At the support service

You should contact the OTP Bank operator at 495 775 7506 or 8800 200 7001.

• At an ATM
• At a bank branch

3. Top up your credit card

OTP Bank offers its clients a variety of ways to repay debt:

• Via self-service terminal

In the device menu, you must select “Payment of loans” / “Personal account” - “Login by card number”. In the window, enter the credit card number and telecode, then select the required BPC and payment type. After this, deposit cash in banknotes. Funds will be credited on the same day.

• At Svyaznoy centers

You can pay off your debt in the center of the Svyaznoy network. Enrollment - during the working day. Commission - 1% (minimum 50 rubles). To carry out the operation, you need to know the card account number and have your passport with you.

• Through QIWI terminals, Eleksnet, Bank "Primorye"

On the screen, find “Loan repayment”, select OTP Bank, indicate the recipient’s details, account or card number, and the required amount. Insert cash into the bill acceptor and confirm the transaction. Receive a check.

• Using the service " gold Crown»

You can top up your account in MTS salons through the Zolotaya Korona service. Enrollment - 2 working days. Commission - 1% (minimum 50 rubles). You will find all the payment details.

• Through the “Pay on the way” service

You can repay the debt in terminal networks (Telepay, Sprintnet, RosExpress, Quickpay, Pinpay express and RosExpress), household appliances/electronics stores and cash desks of communication stores (Euroset, Tekhnosila, Svyaznoy, MVideo, Alt Telecom, Eldorado, Domo). Commission - 1% (minimum 50 rubles). Enrollment is the next business day. Don't forget to take your passport and account number.

• By postal transfer

You can make a transfer at one of the Russian Post branches by filling out the appropriate form. Commission - 1.5% (minimum 40 rubles), term - 3-5 days.

• Through payment Contact systems and Cyberplat

Contact commission - 1% (minimum 50 rubles). Cyberplat commission - 1.5% (minimum 50 rubles). Enrollment is the next business day. You will need your account number and passport.

• IN OTP ATMs Jar

You can repay a loan using Visa/MasterCard cards quickly and without commission at ATMs (at bank branches) with the cash-in function. You can find the nearest ATM on the OTP Bank website.

• Through ATMs of partner banks

In this way you can pay off your debt on an OTP Bank Visa credit card with Visa cards any bank. The commission and terms will depend on the partner bank. To carry out the operation, you need to insert the card into the device, dial the PIN code, select the appropriate option in the menu, indicate the recipient’s card number and the required amount, and then confirm your actions.

• Via online payment system

You can transfer funds to pay off debt using the services of electronic payment systems Yandex.Money and MoneyMail. Yandex.Money commission - 3% + 15 rubles. MoneyMail commission - 2% (minimum 20 rubles). The enrollment period in the first case is up to 7 days, in the second - 1 day.

First you need to register (if you are not already a user) on the PS website. You will have online wallet, which can be replenished using any method specified on the website. In the “Loan repayment” subsection, find OTP Bank, enter the details of the sender and recipient, enter the account number, amount, select a branch and confirm the payment.

• By transfer from another bank

4. Increasing your credit limit

To find out about the possibility of increasing maximum size available credit funds on the card, you must contact the bank 24/7 at 8800 200 7001 or via Skype otpbank_russia.

5. How to block a card

If you discover that the card is lost/stolen, you must notify the bank immediately by calling 8800 200 7001. A bank employee will immediately block the card, after which it will be reissued.

In addition, to block BOD, credit card holders can use the interactive telephone service (IVR). To do this, you need to call 8800 200 7001 and press “1” in tone mode.

6. How to close a card

The loan agreement can be terminated unilaterally by the client at any time, provided that the card is returned to the bank and all obligations under the agreement are fulfilled, incl. repayment of the loan, payment of accrued interest, fees and commissions, penalties and other payments. Returning the card is not mandatory if it is lost.

The client notifies the bank of his desire to terminate the contract by submitting a written statement in the prescribed form. An application for termination of the agreement must be submitted to the bank at least 40 calendar days before the expected date of termination of the agreement. From the date of acceptance of the application for termination of the agreement, the bank blocks all cards issued under the agreement.

Upon termination of the contract if there is a balance own funds the bank transfers the balance of the client's account Money, minus the transfer commission, according to the details specified by the client, or issues them from the cash desk in the manner prescribed by law Russian Federation.

When deciding to take out a loan, an OTP client needs to give himself a confident answer to the question: “Will I be able to repay the loan according to a regular payment schedule?” If the answer is positive, it is necessary to prepare in advance the required package of documents for drawing up a loan agreement.

What documents may be needed to obtain a loan?

The future borrower, when contacting the OTP branch to apply for a loan, must collect the necessary papers, without which the issuance of loan funds is impossible. Plastic bag mandatory documents includes the following items:

1. Passport of a citizen of the Russian Federation.
2. A certificate confirming the fact of tax registration of an individual.
3. SNILS is a document that contains the insurance number of the individual personal account of an individual insured in unified system pension insurance.
4. Taxpayer identification number of the organization.
5. Pension certificate confirming the fact of receipt of a labor pension for long service or a pension of a military personnel/employee of the Ministry of Internal Affairs.
6. Document confirming income level. Such paper may be: a bank account statement; a copy of the pages of the savings book; a copy of the certificate confirming the amount of the assigned pension, issued Pension Fund Russian Federation.
7. Certificate confirming the fact of registration of an individual entrepreneur.
8. Order of the Ministry of Justice of the Russian Federation confirming the appointment to the position of notary.

With the exception of the first document from the list above, papers under paragraphs 2-7 are provided to bank employees only by those persons who fit this category of citizens and can issue such documents.

If you have any additional questions regarding the list of required information and conditions for obtaining a loan, clients can always call 24/7 hotline:

OTP clients wishing to open a loan can contact the bank’s office to receive a sample application. You can find the nearest office and check its opening hours using the online map. You can also download a loan application form

In addition to documents and an application, the borrower must fill out a borrower questionnaire and a form confirming consent to the processing of personal data. Bank clients applying for a loan in the amount of over four hundred thousand rubles can follow the active link and download in advance an income certificate form, according to the bank’s form. By filling out the necessary paperwork in advance, the loan application process is significantly speeded up.

Additional documents

When applying for a major sum of money, persons employed at a permanent place of work must provide additional documents to the bank employee.

Up to 400 thousand rubles

When requesting a loan in the range from two hundred to four hundred thousand rubles, the borrower must attach to the above documents a copy of pages from the work book. Copies must be certified by the employer. Instead of a copy of the work book, you can also attach a notice with information about the current status of the individual personal account.

In the absence of a work book, a borrower performing contract service in government departments can provide a certificate confirming the fact of service. Individuals those working for foreign companies under a contract can provide a copy of the contract certified by a notary.

More than 400 thousand rubles

When requesting a loan in an amount over four hundred thousand rubles, in addition to a certified copy of the work record book or notice, the borrower must attach a certificate of income or a certificate issued in form 2-NDFL. The certificate must contain data for the last six months. If it is not possible to draw up such a document, the client may submit a notice of the status of the insured person's account.

Having made a firm decision to receive credit funds, borrowers are advised before applying to financial institution prepare a complete package of necessary documents, as well as print and fill out the application form and questionnaires. If all papers are available, acceptance of documents for consideration credit commission bank "OTP", occurs as quickly as possible.

Experiencing financial difficulties, citizens are trying to find a way to get rid of them as quickly as possible and with the least loss. Some turn to friends and relatives for help, others become clients of microfinance organizations and receive cash cash loan at a high interest rate.

One of the most common ways to borrow money is to take out a bank loan.

Therefore, the question of what documents may be needed to apply for a loan at OTP Bank becomes relevant.

OTP Bank, just like others banking institutions, imposes a number of requirements on potential borrowers. Among them are the following:

• presence of Russian citizenship;
• availability of permanent registration in the region where there is OTP branch bank and actual residence in the region where the loan is issued;
• the borrower has reached 21 years of age, but the maximum age at the time of conclusion of the contract is 68 years;
• permanent place of work/receipt of pension.

For citizens engaged in entrepreneurial activities, including notaries and lawyers, slightly different conditions are established regarding age (from 25 years) and work experience (at least 12 months).

By meeting all of the above requirements, the client can count on 100% success in obtaining a loan. In addition, if at the time of treatment he has formed a positive credit history or he presented one or more guarantors or liquid property as collateral, this greatly increases the chances of success.

Required documents

To obtain a loan, the borrower is required to collect a package of documents and submit it to a bank employee for review.

Full package

The standard set of papers required to apply for a loan of up to 200 thousand rubles is as follows:

• statement;
• general passport;
• original TIN;
• for working citizens TIN of a legal entity;
• for pensioners, a certificate from the Pension Fund.

If the borrower intends to receive from 200 to 400 thousand rubles, then he will additionally have to provide a copy of his work record book, certified by the signature and seal of the head of the company. For a loan the amount of which exceeds 400 thousand rubles, you will need a certificate of income for the last 6 months in form 2-NDFL.

Minimum package

Interestingly, OTP Bank provides its clients with the opportunity to receive an express loan. To do this, it is enough to provide a Russian passport and one of the documents: international passport, driver’s license, pension insurance certificate, military ID or Taxpayer Identification Number.

Express loans are available only to working citizens. People who have officially retired will not be able to take advantage of this program.

Documentation for payroll clients

Having asked the question, what documents are needed to apply for a loan at OTP Bank for citizens who are already its clients and have bank card, for which a salary or pension is received, the answer is as follows: it is enough to contact a bank branch to obtain a bank account statement and submit the appropriate application.

Good afternoon.

A couple of hours later I received a call in which the robot told me that my OTP card The jar has been successfully activated! I tried to contact the bank, but to no avail. Some time later I received a message that my loan from TOUCH BANK had been fully repaid. That is, the bank or employee activated the card without my knowledge and refinancing occurred!!! The next day, I finally called the OTP Bank customer support number, blocked the card, and the employee advised me to write a request regarding my situation in the feedback form on the website. I left a message. I received an SMS stating that the deadline for consideration of my appeal is until September 6, 2018. And 09/06/18 - an SMS stating that my application requires more time...

On September 13, 2018, I went to the OTP Bank branch at Leningradskoye Shosse, 16 and asked for information about the status of my account, if any (I had not previously had any interactions with this bank). And please, the document that the specialist gave me says that I am OTP client I have a jar too credit card with a certain amount of debt. And the account was opened on August 22, 2018. Next, I asked a Bank specialist if I could get a copy of the agreement on the basis of which the credit card was issued. He replied that of course, for this I need to go to the claims department. The claims department refused me after they heard that I had not seen or signed the contract, citing the fact that I needed to wait for a response to my appeal. No one knows how long to wait. I asked the claims department specialist whether I needed to make payments using a card that I had not received; she threw up her hands in response and suggested that we still wait for a response to the appeal. Case number 18079773.

I really hope that OTP Bank specialists will read my review and be able to offer solutions to this situation. Otherwise, I will be forced to apply for protection of my rights to Rosporebnadzor, the Prosecutor's Office, the Central Bank, and also to make the case public and disseminate this information in all available print publications and television and radio channels.