When opening a debit or credit card "OTP", customers can choose the best way for themselves to deposit funds into the account. OTP Bank seeks to provide cardholders with the most convenient service, therefore, money can be credited to the balance both at stationary service points and through Internet channels. Let's take a closer look at the most popular of them.

Ways to replenish the card in cash

Customers who make frequent purchases through online stores are faced with the need to replenish their cash account almost daily. Also, borrowers must regularly replenish the balance of the credit account to provide the bank with the opportunity to write off funds to repay the debt. Technological progress does not stand still. Therefore, today you can replenish the card in different ways. The choice of method depends on how quickly the money should be credited.

Terminals and ATMs

The easiest and most obvious way to deposit funds is to use an ATM or self-service terminal. In all stationary branches of OTP Bank there are modern ATMs with the function of accepting banknotes. To work with the digital menu of the ATM, you must be authorized using a debit or credit card. With the help of a bank, you can not only transfer money to a card, but also pay off loan payment. The money that was deposited through an ATM before 17:00 to repay the loan will be credited to the credit balance on the next business day. When depositing money after 17:00 - enrollment takes one day longer.

Crediting money to the card through the OTP ATM occurs without charging a commission.

Also, cardholders can deposit funds to a debit card or pay off debt through self-service terminals. By clicking on the active link, you can find the nearest terminal by setting the appropriate beacon on the map and selecting the desired city. To make a loan payment through the terminal, you must follow simple recommendations:

• On the main menu page, click on the "Payment of loans" button.
• Go through the authorization procedure by entering the card number, account or credit agreement.
• Click on the "Telecode" button and enter the last three digits of the passport number.
• In the list of active accounts, select the one whose balance you want to replenish.
• Deposit money into the bill acceptor one by one banknote.
• Click on the "Pay" button.
• Get a check.

Before the procedure for crediting funds through the terminal, you must make sure that there are banknotes of the required denomination, since the terminal is not programmed to give change. You can see the current tariffs for services

Salons "Svyaznoy" and "Megaphone"

You can also top up your card balance in Svyaznoy mobile network stores. The procedure for crediting funds to a credit account is carried out using payment system"Rapida". To carry out the transaction, the cashier must present a passport and dictate an account number consisting of 20 digits. The transaction is completed the next day, and the fee is 1% of the total payment amount. You can also pay off the debt at Megafon retail outlets. Money is credited to the account on the next business day, and the amount of the commission for the service is reported by the cashier immediately before the confirmation of the payment.

Unistream

Through the Unistream service, borrowers can repay credit card debt or consumer credit. The money will be credited the next day. The advantage of this method is to make a payment without charging a service fee.

Postal transfer

At Russian Post offices, OTP customers can deposit funds to a debit account or repay a loan that was issued for the purchase of goods and services. To be able to carry out the operation, it is necessary to print out the electronic mail transfer form in advance. With a filled bank, you should contact the post office operator. At the same time, the branch must operate under the CyberMoney program. The form can be obtained at the point of sale during registration consumer credit or request to be mailed. The disadvantage of this method is the duration of the transfer: up to 5 working days. However, there is a plus: no commission.

Through Rostelecom

In sales and service centers of Rostelecom, customers can not only pay off their debts, but also replenish their accounts. Funds are credited to the balance and the transaction is completed on the next business day after the funds are deposited. The commission is 1% of the amount, but cannot be less than 50 rubles.

In Eldorado, M.Video, Domo stores

A similar procedure can be performed at the checkout of outlets of the three largest networks: Domo, M.Video and Eldorado. Money is credited to the balance within one business day, and the commission for the service is 1% of the total amount.

Online channels for card replenishment

The most popular way to replenish the balance online is an instant card-to-card transfer. Funds can be transferred from any account Russian bank. The advantage of this method is the instant transfer of funds. However, there is a downside: the transaction fee is as much as 2% of the total payment amount, which is twice as much as most top-up channels. Within 24 hours, the client can initiate payments within 15,000 rubles. The implementation of the procedure takes place with the functional support of RNCO "Payment Center". The operation is possible if the cards are linked to international payment systems.

Service "Golden Crown"

With the help of a well-known payment service " Gold Crown» You can replenish the balance in the representative offices of popular networks, including: MTS, Beeline, Know-How and many others. The amount of the commission for services is 1% of the payment amount, while the payment is processed within five minutes, and the funds are credited instantly.

A cash receipt is a document confirming the fact of depositing funds. It is necessary to keep the check until the money is credited to the account.

When using the service for the first time, the client must dictate the account number and contact mobile number. After the operation, the system will remember the data. And the next time you use the service, it will be enough to dictate only the phone number. To carry out a transaction, you must have a passport with you. By calling the support service, you can check the status of the transfer:

You can also track the status of the payment on the official website of the service.

Terminals and wallet "Qiwi"

If you have a QIWI e-wallet, you can transfer funds using this site. This service does not provide the most favorable conditions, charges a commission of 1.6% or at least one hundred rubles. In case of payment by card number, the payment is made within two days.

Through "Eleksnet"

The Eleksnet payment system charges a fee of 0.95% of the payment amount for transferring funds to the OTP balance through the online service. When using the terminal, the amount of the commission fee increases to 1.4%. When making any payment transfer, the service accrues promotional bonuses.

Bank transfers

It is also possible to replenish the account of an OTP debit or credit card at a branch of any Russian bank by providing the cashier with payment details. The term for crediting funds is not fixed and depends on the chosen bank of payment. On average, payment processing occurs within 2-5 business days. The size of the commission also depends on the internal tariffs of the bank and is announced before confirming the payment.

Through accounting at the place of work

To initiate the transfer of funds to a specific account number through the accounting department, you must contact the company's accountant with a request to issue a sample paper application. After writing and submitting the application, the accounting department will credit the agreed amount to the card balance on a monthly basis. Before making a decision to replenish the account in this way, it is recommended to clarify in advance whether the company charges a commission for such a service and how long the payment processing takes.

Thus, it is safe to say that each OTP cardholder can find the best way for him to transfer funds to a debit or credit card, regardless of the place of stay and region of residence.

For online payment on an OTP Bank loan, you need a computer or smartphone and 5 minutes of free time. Below are step by step instructions on the main methods of repayment via the Internet.

Internet Bank personal account

Any of its clients can use the OTP Direct Internet banking service to make a loan payment without commission. Connection is free, there is no subscription fee.

To use Internet banking, you need to visit OTP branch Bank and sign an agreement for remote maintenance. Then the employee must provide a login to enter the online service, the password will be sent as an SMS message to the phone.

The password can and should be changed. At the first start, the service itself will offer to do this.

It is possible that the service was connected to you earlier, you can check this by calling 8-800-100-55-55. If so, the operator will provide a login, and a password will be sent to the phone linked to the contract. In this case, it is possible that you will need to name the passport data and the code word that you came up with when concluding the contract.

Detailed instructions for transferring funds in the system:

For further convenience when paying off debt, you can set a template for this operation.

A convenient alternative to Internet banking is mobile app OTP-Credit. It allows not only to quickly make a transfer, but also to track loan parameters, card limit, expiration dates grace period, the nearest branches where you can make a payment, and another useful information. The system is entered by the phone number associated with the loan agreement. The program is currently available for download in the AppStore and PlayMarket.

Online repayment from a card of another bank

You can also pay off debt via the Internet from a third-party card credit institution. This method of transferring a payment is very simple, you need to perform only a few steps:

The cost of the service will be 2% of the transfer. Confirmation of the completed payment will be sent in the form of SMS to your phone or e-mail.

Redemption in the Golden Crown service

To transfer the amount to pay the loan through the "Golden Crown" you will need:

The system will request a 1% commission for the service. You can also make a payment through partner stores. Some of them set a minimum fixed amount (for example, in MTS at least 50 rubles). Euroset with an amount above 20 thousand rubles. takes 200 rubles, and in Beeline salons there is a special promotion with a commission of 1 rub. regardless of the size of the transfer.

Repayment through terminals and electronic wallets

It is convenient to pay off the debt by the contract number in Qiwi self-service terminals, which are located in almost every store.

To make a payment, you need:

1. On the main page of the terminal, find the "Repayment of loans" icon. If it is absent, you need to find the category “Payment for services”, then “Banking services” and “Repayment of loans”.
2. Select OTP Bank from the opened menu.
3. Dial the agreement number and / or BIC of the bank branch, credit account number.
4. Enter information about the borrower.
5. Specify mobile number.
6. Enter PIN code from Qiwi Wallet. If this is the first payment, then the service itself will register the user and send an SMS with a PIN code to the mobile phone.
7. Enter the payment amount and send the payment.
8. Pick up a check.

A similar procedure can be performed on the system website. This can be done by the number of the card or account registered in loan agreement. Money will be credited to the account instantly, and it can take up to 2 days to go to the card. The service commission will be 1.6%, but not less than 100 rubles.

Another convenient payment method is the Eleksnet system. Payment can be made online or at the terminal. When transferring through the site, a promotional rate applies: 0.95% of the amount, but not less than 20 rubles. At the terminal, the fee will be 1.4% (at least 50 rubles).

You can also use YandexMoney services, which include online payment, transfer from bank card, e-wallet, mobile application and other features. The current commission must be clarified with the operator at the time of the operation.

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

Credit card holders can activate BPC through an interactive phone service (IVR). To do this, you will need to call 8800 200 7001 and dial "4" in tone mode.

2. Checking the balance of the card

You can check your account balance in any of the following ways:

• By phone (without connection to the operator)

Using Interactive Phone 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 the available balance at any time by sending an SMS with the word bal to 5927 from your mobile phone.

• With express checkout

To get an express help on the card, you need to enter the BPC number and telecode on the bank's page.

• Via Internet banking OTPdirect

Having entered the Personal Account of the OTPdirect remote access system, on the main page you can see all the basic information about available cards, loans, accounts. You can familiarize yourself with the Instructions for working with the OTPdirect Internet service on the website.

• Help Desk

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

• At an ATM
• At a bank branch

3. Credit card replenishment

OTP Bank offers its customers a variety of ways to repay debts:

• Through a self-service terminal

In the menu of the device, 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 BOD and payment type. After that - deposit cash in cash. Funds will be credited on the same day.

• In the centers "Svyaznoy"

You can repay the 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 a passport with you.

• Through QIWI terminals, Eleksnet, Bank "Primorye"

On the screen, find "Repayment of loans", select OTP Bank, indicate the details of the recipient, account or card number, the required amount. Insert cash into the bill acceptor and confirm the operation. Get a check.

• With the help of the service "Golden Crown"

You can replenish your account in MTS stores through the Golden Crown service. Enrollment - 2 business days. Commission - 1% (minimum 50 rubles). You will find all the details of the payment.

• Through the service "Pay on the way"

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

• Postal transfer

You can make a transfer at one of the branches of the Russian Post 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). Payment is the next business day. You will need an account number and a passport.

• IN OTP ATMs Jar

You can repay a loan using Visa / MasterCard cards quickly and without commission at ATMs (in 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 the debt on the Visa credit card of OTP Bank with Visa cards any bank. 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.

• Through the Internet payment system

You can transfer funds to pay off the debt using the services of the electronic payment systems Yandex.Money and MoneyMail. Yandex.Money commission - 3% + 15 rubles. MoneyMail commission - 2% (minimum 20 rubles). The term of enrollment 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 in any way indicated on the site. In the “Repayment of loans” subsection, find OTP Bank, drive in the details of the sender and recipient, enter the account number, amount, select the branch and confirm the payment.

• With a transfer from another bank

4. Increasing the credit limit

To learn about the possibility of increasing maximum size available loan funds on the card, you need to contact the bank at the round-the-clock number 8800 200 7001 or Skype otpbank_russia.

5. How to block a card

If you find that the card is lost/stolen, you must report it to the bank immediately by calling 8800 200 7001. The bank employee will instantly block the card, after which it will be reissued.

In addition, credit card holders can use the Interactive Phone Service (IVR) to block BPC. To do this, call 8800 200 7001 and press "1" in tone mode.

6. How to close the 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. loan repayment, payment of accrued interest, fees and commissions, penalties and other payments. The return of the card is not obligatory in case of its loss.

The client notifies the bank of the desire to terminate the agreement by submitting a written application 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 of the client on the account, the bank transfers the balance of funds, minus the commission for the transfer, to the details specified by the client, or issues them from the cash desk in the manner prescribed by the legislation of the Russian Federation.

Today, one of the most famous banks in the country is Sberbank, since according to the latest data, it ranks first in terms of the number of customers in our country. More than 70% of Russians use its services and use its products every day.

How to pay an OTP bank loan through Sberbank-Online? Sberbank is one of the few branches that maintains partnerships (and sometimes even friendships) with its colleagues and competitors. Thanks to this, its customers can easily pay for the services of other credit organizations using its services.

One of the many partners of Sberbank is OTP. Despite the fact that this financial institution appeared on the market not so long ago, and in terms of the number of customers, it occupies only 52nd place in the overall rating, every year it moves to the top lines in terms of the number of customers.

Of course, there are many ways to pay a debt obligation to an organization. However, the most convenient, profitable, reliable and fast is the operation through the Sberbank-Online application.

What are the main advantages this type of loan repayment provides to users:

1. Reliability. When transferring loan repayments from other banks, the money does not always arrive on the client's credit account on time. The organization gives a guarantee that within 3-5 working days (that is, without Saturday and Sunday) the money will definitely go to the account;
2. Benefit. When redeemed accounts payable through another bank, the commission is withdrawn. Compared to other banks and the commission of the OTP itself, this is quite low interest;
3. Convenience. To pay an invoice through the Sberbank mobile application, the user will need from 3 to 5 minutes of personal time. You can pay almost instantly (using a barcode or Quick Response code). Moreover, having spent an extra 5-7 minutes of time, the client can set up auto payment. If for some reason you do not want to do this (for example, the instability of the monthly payment amount), you can create a template (add to favorites). Then all that needs to be done is to enter the application on time, adjust the amount in the template and press the “pay” button;
4. Speed. The client needs to spend very little time on paying the debt obligations of a credit institution. It is also saved during an almost instantaneous transaction of funds from one bank account to another.

Commissions when paying for a loan OTP Bank

How to replenish an OTP bank card without commission? As mentioned above, the commission for the repayment of accounts payable third-party organizations always charge. Sberbank is no exception and also retains a certain percentage for the operation.

Important! When paying bills OTP Commission is only 1%.

OTP users are forced to pay a commission even when repaying a loan through a branch or terminal of their own credit organization. According to the latest data, the commission amount at the beginning of this year ranged from 70 to 900 rubles. Therefore, most users try to pay the loan in this way.

Algorithm of actions for paying an OTP loan through Sberbank-Online

There are two ways to pay an OTP bank loan using the Sberbank-online service. Through a mobile application or directly on the Sberbank website. How to do it? Let's analyze detailed instructions for working with the site.

Important! If up to this point the person has not been registered in the system, it will be necessary to register first. To do this, you need any bank card and a mobile phone to which the card is linked.

After entering the card number (during registration) or login (during authorization) on the mobile card holder one time code will come. By entering it, a person will find himself in personal account.

At the top of the screen(immediately below the branch logo) there is a green line with tabs. In it, a person needs to find the “transfers and payments” tab and click on it.

Walking across it a menu will appear in front of the user(list) of available services. Find the section "Repayment of loans in another branch" and select it.

A new menu will appear in the open window. You can find the organization you need simply by scrolling through the list of all banks. It will be faster to use the search. To do this, scroll down the window that opens a little and find the "Search" button. Under it there will be a line where you should either drive in the TIN of the credit institution, or simply write "OTP" and click on search. The user will see a window with available organizations. Select "OTP Bank".

In a new window, carefully fill out the form offered by Sberbank. Select the account or card of the client from which the withdrawal will be made. Enter the payer's contact details (last name, first name, patronymic and address) and contact details OTP client(last name, first name and patronymic).

When the client fills in all the data, the service opens a confirmation form. A confirmation code will be sent to the payer's mobile phone.

Operation completed successfully. If, for some reason, the user cannot complete the operation through the computer, this can also be easily done through the mobile application.

Is it possible to use a mobile application, the nuances

There is nothing complicated about paying off a loan. Even an elderly person can cope with this.

To complete the operation, you need:

• to come in;
• at the very bottom of the screen is a dark gray menu bar. Find the "payments" icon and click on it;
• there are three options here: payment by transfer to an account in another branch, payment to a card in another bank or payment by QR or barcode;
• if you are paying for a loan to an OTP bank card, you must select the desired section. Here, in the same way, there are two options - this is the payment by card number or by card number. mobile phone borrower OTP branch. Choose the most convenient way and enter the data (card number or phone number). In the new tab, enter the amount and confirm the payment;
• an allegorical procedure must be done if a person decides to pay the debt on the account in another branch. You will need to enter the account number and complete the operation;
• the easiest way is to pay with a QR code (square) or a barcode. To do this, you just need to scan the code through the device, enter the amount and complete the operation.

Important! In order for the client not to spend time entering the same data in the application every time, there is the possibility of connecting auto payment.

Connecting automatic payment

What is auto payment is the automatic payment of a bill or service (for example, a utility bill or a mobile phone) without any human intervention. Auto payment can be fully automatic (when on a certain date funds are debited from the cardholder's account and transferred to their destination).

The second option is when on the appointed date or the day before, an SMS notification with the necessary form for making a payment is sent to the phone number of the account holder. If a person confirms it, then the money is debited and transferred to its destination. If it is rejected, the write-off and payment do not occur.

You can connect it through a mobile application or on the website.. After the first payment is made, the system itself offers the connection of auto payment. If the payer agrees, he drives in the information (date of payment, amounts, notification) and connects.

In the second option, you can add this service yourself. You need to log in to the system, select the "auto payments" tab. By clicking on it, click on the “connect” icon, and then drive in the data for its implementation. When the loan is fully paid off, the person can turn it off.

Important! The service is provided absolutely free of charge. Often, a few days before the next payment, the system sends an SMS notification with a reminder.

Watch a video on how to pay any loan through the Sberbank mobile application:

Today, OTP Bank offers several different ways to repay a loan, including using a card online. In addition, its services allow you to find answers to frequently asked questions of customers, as well as perform internal operations and connect various options.

How to pay a loan through the OTP online bank?

OTP Bank offers today several ways of online repayments for every taste. Some of them can be done without commission. The simplest is to repay a loan in the OTP Internet Bank from a card of any other bank. To carry out an operation, just open the bank application or website and select the appropriate menu item. As a rule, funds are credited the next day, while a commission of 2% is withheld. The transfer is carried out by PJSC "MinBank".

Other payment methods online

The easiest way to pay off a loan is to use the Internet Bank, which allows you to make payments without leaving your home. But there are other payment methods if this one is not to your liking.

Service "Golden Crown - repayment of loans"

To make a payment, you need to find the nearest service point of the Golden Crown - Loan Repayment service. Loan payment is made in one of the salons:

• Euroset;
• Beeline;
• Kari;
• Agent.ru;
• Know-how.

In this case, the commission for the transaction will be equal to 1% (but not less than 50 rubles, in Kari stores - at least 30 rubles, in Agent.ru stores - at least 10 rubles). The transfer will be credited within two working days.

Qiwi wallet, Eleksnet and Yandex.Money

You can also make a payment on an OTP bank loan using a Qiwi wallet without leaving your home, or using a Qiwi terminal (commission is 1.6%, but not less than 100 rubles). Through the Eleksnet wallet, the transfer fee is 0.95%, but not less than 20 rubles, and through the terminal - 1.4%, but not less than 50 rubles. Through Yandex.Money, payments are also made using the Internet service. In this case, the commission and the terms for crediting payments depend on the amount.

Mobile phone MTS

You can make payments on an OTP bank loan directly from your mobile phone. The commission for the transfer in this case is 2.5%, but not less than 60 rubles, plus another 10 rubles for the provision of the service.

Terminals Comepay

With the help of Comepay payment terminals, you can pay debts on a loan or credit cards. In this case, the funds are credited to the account the very next day, and the commission for the transfer, as a rule, is 1%, but not less than 50 rubles.

Svyaznoy

For payment of a loan from OTP Bank in Svyaznoy, a commission of 1% is charged, but not less than 50 rubles. Cash arrive the next business day.

How to pay a loan from OTP Bank through Sberbank-Online?

You can also make payments on an OTP bank loan using the services of Sberbank. So, you can pay the loan by connecting auto payment. In this case, you will only have to think about the fact that by the date of payment you have on your Sberbank account required amount. The payment goes through automatically.

With the help of Sberbank-Online on the website or in the smartphone application, it is easy to repay the loan. To do this, just select the appropriate menu item and enter the details. You can control your payments through SMS notifications.

Among other things, Sberbank offers to pay for loans from other banks using ATMs. To do this, you need a card or cash and credit account details.

How to pay a loan from OTP Bank without commission?

You can make loan payments without commission. There are several ways. One of them is an ATM. With the help of an OTP bank card, you can make a payment and expect it to be credited on the next business day.

Advice: sometimes problems with loan payments may arise due to late crediting of the payment. To prevent this from happening, either connect auto payments, or try to deposit cash in advance. If you often forget, set reminders on your smartphone or computer.

A very convenient way to repay a loan using OTP Internet Banking and debit OTP cards. This method will also be free for you. Autopayment can also be made using the accounting department of your place of work. In this case, the amount of the loan payment will be automatically deducted from your salary.

Advice: you can find out about new methods of repaying a loan from OTP Bank by phone number hotline or on the site. If you don't have debit card OTP bank, in order to repay a loan on the site without leaving your home, or you do not use the services of Sberbank, issue a card yourself. Then the payment can be made almost anytime and anywhere.

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If you apply for a loan at OTP Bank, you are unlikely to have to ask yourself such a question. OTP Bank - popular and reliable commercial organization, which has proven itself among customers. The bank offers a wide range of services, including profitable loans, develops new features and applications for ease of use. Such a simple transaction as a payment on an OTP bank loan can be completed in many different ways. Which one to choose is up to you. But you should choose not only based on convenience, but also on the benefits, since sometimes payments can be made without any commission.