Currently, OTP Bank is a fairly popular financial institution that provides loans to the population. And also offers to issue a deposit to its clients. The bank began its development in 1994 and is considered a fairly stable institution.

If you are a client of OPT Bank, then you can find out the balance on the loan or the amount of the deposit without visiting the bank branch, which, of course, saves customers time.

OTP bank personal account is a place where it is possible to manage accounts without leaving home and without visiting the bank office. OTP bank direct personal account will allow you to make payments and control your account balance from anywhere in the world. OTP Direct personal account can be used by any client who has a service agreement with the bank.

The entrance is carried out using any browser in the address bar you need to write direkt.otpbank.ru, or enter OTP bank in the search bar, go to the bank's website, which is official and click on the remote control tab.

The system will then prompt you to enter your username and password. The client receives the login when signing the contract at the bank. The password will be sent to your mobile number in an SMS message when visiting the Internet bank. After the first visit to your personal account, you can change the password to your own.

OTP direct, personal account has a fairly functional interface, moreover, it is simple for any client. On the right you will see the navigation menu. It lists all the operations that are available to you, as well as the templates that you create. Moreover, there are no ads and news feeds on the working area of ​​your personal account. This system makes it possible to carry out various transfers of funds. Even if you first entered the OTP direct personal account, you will be able to easily carry out the necessary action.

As in OTP direct, the personal account has been entered, you need to select the operation that interests you. Since the most popular operations for debiting money from the account, for example, the purchase of goods or payment for services, these operations are located in the navigation menu. By selecting transactions, you will automatically go to the window for filling out the payment form, given that you can create a template for the most frequent payments, in the future, payment will take you just a few seconds.

In order to complete the payment, you will need to confirm it. Confirmation of payments and transfers is carried out by means of a code that will be sent to your mobile phone in the form of an SMS message. After the code is entered, the account operation will switch to completed mode. If the payment or transfer was made within the OTP Bank, then the funds will be received within an hour, but if the operation was carried out between the OTP Bank and another financial institution, the funds will be credited to the account within a couple of hours, but only if the operation was carried out before five o'clock in the evening. If after five, then the payment will go through the next day.

OTP direct - registration

To enter your personal account you need to register. On the OTP Direct website, registration is as follows:

• Registration at the office of the OTP bank of an account, deposit or debit or credit card.
• Conclude an agreement on RBS, if you are not a credit client. When signing the agreement, you must have a passport of a citizen of the Russian Federation with you.
• After the conclusion of the contract, the bank specialist will provide you with a login, which is individual. The login can be changed to one that is convenient for you OTP Direct in your personal account.
• Receive an SMS message to the number indicated in the service contract. This SMS will contain a password.
• Go to the official website of the bank and enter the tab - Login to the OTP Direct Internet Bank.
• After that, a personal account window will open, where all your accounts, deposits and loans will be listed.

OTP direct - entrance

If you are a credit client of OTP Bank, then the Internet Bank will be available to you automatically. To carry out an OTP direct login to your personal account, you need to go to the following address: direkt.otpbank.ru and enter the login that you were given when signing the loan agreement.

If you are not a credit client, and you have an account or a deposit opened in the bank, then for OTP Direct, you will be able to enter your personal account only after connecting this service. To connect it, you will need to contact any OTP office and sign an agreement on RBS.

OTP direct internet bank will allow you to pay for various purchases in online stores, make payments for services, transfer money to accounts, take a statement and see the status of accounts or deposits for the current date. Moreover, you can pay your debts on loans. OTP Direct Internet Banking is a functional service that allows you to control the status of your client's accounts. Despite the fact that in order to use OTP Direct Internet Banking it is necessary to sign an agreement, the use of the portal is free of charge.

The advantages of OTP Direct Internet Bank include the fact that when drawing up a payment order, you can save it in templates and make payments by changing only the amount. Statement of accounts is provided at the request of the client.

If you are a credit client, then OTP Direct Internet Banking is a must, as you will have information about the debt on the loan and the repayment schedule.

Internet Bank OTP Direct imposes limits on the amount of transactions on accounts. But it should be noted that the limits do not apply to those funds that move between the accounts of one client. In other cases, the limits will be as follows:

• No more than one hundred thousand rubles a day and no more than three hundred thousand rubles a month.
• When paying for purchases no more than fifteen thousand one-time payment, but no more than one hundred thousand rubles per day.

With the development of technology, more and more banking transactions are carried out online. Financial institutions are meeting the needs of people by developing online banking applications. This also applies to OTP. In this article, we will analyze the advantages and capabilities of the OTP Direct system.

Empowerment

Internet banking is becoming popular due to the fact that many actions that could previously only be performed in a branch are now available remotely from any electronic device. This service provides the following options:

1. Conducting transactions to open accounts in any currency.
2. Carrying out conversion operations.
3. Sending documents for currency control.
4. Opening and maintenance of deposit accounts.
5. Carrying out payroll projects.
6. Sending files with an electronic signature.
7. The ability to monitor the status of the account 24/7.

These points convince many people to switch to the online version of the bank. Let's take a look at the benefits:

1. Security of transmitted data. The information is encrypted by professional cryptographers, which complements the integrity of the control.
2. Availability and convenience. Access to the account can be provided from any gadget, besides, it does not matter which browser you use.
3. Efficiency. Issues are resolved very quickly through a secure connection.
4. Opening an account is not required. Those who need applications for the rapid transfer of documents can take advantage of this opportunity.
5. Access and freedom of action with the accounts of subsidiaries. "OTP" provides the ability to manage the accounts of several enterprises.
6. 24/7 support from OTP representatives.
7. Fast and easy registration.

In the table, we have collected general information on the OTP Direct program:

Account/card/credit	Credits.	Payment schedule, state of mortgage.
	Contributions.	Current balance, conditions, interest on the account.
	Credit/debit cards.	Information about all transactions.
	Current accounts.	Detailing.
	Requisites.	Speeding up the process of receiving or sending a transfer.
Payments	Mobile and Internet connection.	Payment without commission.
	Public utilities.	Pay online without the need to visit the utility offices.
	Interbank transfers.	Transfers to any bank in Russia with a minimum commission of 10 rubles.
	Penalties.	Payment by order number.
	Electronic wallets.	Webmoney, Rapida, Yandex.Money, Qiwi, etc.
	Purchases and payment for other services.	Faberlic, AVON, etc.
Templates for recurring payments	Regular payment:	Saved custom payment templates:
	Telephone.	Translation for parents.
	Credit.	Deposit replenishment.
	housing and communal services.	Payment for the school/kindergarten.
		Donations.

If necessary, you can disable auto-payment, which has become irrelevant.

Connection method

Connection to the OTP Direct system is free of charge and completely accessible to any client. There is no subscription fee. Several services are paid, for example, transferring money to another bank account. In this case, the fee will still be lower than that in the department.

First you need to connect the system "Direct". This requires a username and password.

Don't have this information? There is a possibility that the service is still connected to your account. To check if this is the case, call 8-800-100-5555 and follow the bank employee's instructions. Please note that the operator may ask you about your passport data and code word.

OTP Bank, which has European roots, is in the top twenty in Russia. The institution is developing steadily and feels confident due to the reliability, quality of services provided and the introduction of new products. For several years now, a mobile version and an online bank of OTP Bank have been operating, which are considered one of the best offers on our market. The service provides convenience, simplicity, and security of remote work with the bank. And free registration only increases its attractiveness in the eyes of customers.

Service features

Communication between the client and the institution has become much easier thanks to the introduction of OTP Bank's online Client Bank. There is no need to visit the office or call the help desk if you have questions. All information on accounts, cards and loans is now available online.

The client can, without leaving his home or office, get answers to all his questions. Moreover, at any time and regardless of location, if you have a computer connected to the Internet at hand. In other words, Otp Bank Commercial Bank has almost completely moved to the Internet, but retained all its capabilities. The online service allows:

• activate the card, but first you have to;
• track the status of accounts, cards and loans and the movement of funds through them, receive account details;
• make payments and transfers online: pay for mobile communications without a commission, transfer funds to a card of any bank, including by account number, pay for a communal apartment;
• get a loan through your personal account on otpbank.ru. As a recommendation, it should be noted that you first need to understand how much and what is needed, and then;
• replenish a deposit or a card, transfer money to a bank client without commission or repay a loan. In this case, it is worth familiarizing yourself with how it is carried out;
• top up Eleksnet, Visa QIWI Wallet, Yandex.Money, Rapida Online wallets;
• create recurring payment templates, etc.

To start active use of such wide functionality, you need to register and activate an account in the system.

Registration

It makes sense to register in a personal account for an OTP Bank client if he plans to use remote servicing of his own accounts, cards, loans, etc. This is not necessary, but it will greatly simplify operations with bank cards. To this end, in the process of concluding an agreement, you need to inform the clerk about the need to access your personal account.

Any client of the bank has the opportunity to get free access to the personal account of the OTPdirect Internet Bank. The office only requires a passport. There is also no subscription fee for using the service. Payment is only charged for certain services, such as translations. But the rates here are lower than in a physical bank. To use the Internet bank, the client must connect to OTPdirect. You will need a username and password to enter, which can only be obtained at the office.

It is also possible to use the OTPcredit mobile application, which must be downloaded from the official Apple or Google store. Registering a personal account on credit otpbank.ru is no different. At the first login, the password is sent via SMS to the client's registered phone. If the data is lost, it is easy to restore it by phone: you need to dial 8-800-100-5555 - and the bank employee will remind the client of his login. It should be noted that the operator may request passport data and a code word.

Login

Logging in to the OTP Bank Internet Bank is carried out using the login and password issued during registration. To be able to quickly restore access, you need to register a mobile phone number, and when it changes, immediately inform the bank about it. After logging in, the system prompts you to change your password and login, which is highly recommended. In addition to the main password, a temporary one can be used, which is generated every time you log in.

You can also enter the personal account of OTP Bank using the contract number. However, if the client forgets his login, this will not work. After three unsuccessful login attempts, the account will be automatically locked.

But it is still possible to recover the password without a personal appeal to the bank. You need to use the link "Forgot your password" (next to the fields for entering the login and password). Then you will have to specify the code word and provide the bank card number. The new password will be sent via SMS very quickly.

It is also possible to enter the personal account of OTP Bank by phone number. To do this, you need to download and open the OTPdirect application in the App Store or Google Play, and then enter your login and password in the appropriate fields. If there is no time, opportunity or desire to install such software, you can enter the bank's website from a smartphone browser and log in in the usual way.

As you can see, entering the OTP Bank Direct personal account is quite simple and convenient under any circumstances.

Opportunities of OTP Internet Bank

We described the main functions of the Internet Bank above. The most popular among our citizens are the following:

• the use of debit, credit cards and deposits to pay utility bills, cellular communications, the Internet, online shopping, etc.;
• making transfers to the accounts of individuals and legal entities of any Russian bank and transfers within their own accounts. Logging into the Internet banking of OTP Bank provides transfers to other banks cheaper than in a branch - both in rubles and in foreign currency.
• repayment of loans and obtaining information about debt.

Since last year, OTP Bank customers, OTPcredit users, have access to new functions. The application now reflects not only the status of POS loans, but also loans received in cash.

In addition, logging into the OTP-banking system now makes it possible to pay loans with any cards of other banks. True, the amount of a one-time payment is limited to fifteen thousand rubles. Confirmation is also carried out by entering a code from SMS, and funds are transferred to the bank account within 1-3 business days. It is worth considering that a commission is provided for the operation - 2% of the transferred amount.

On May 15, 2017, the Internet Bank starts working in a new interface. For business to work, you need to install the BIFIT Signer extension.

Security

In the course of working with the OTP Bank for Business Client-Bank, all transmitted information is carefully encrypted by software and hardware. All transfers outside the banking system are confirmed by CMC passwords sent to the client's mobile number. Funds without a confirmation code will not be debited from the accounts. Despite this, the user must observe the following safety precautions:

• the login and password must be kept secret and not transferred to third parties, even if they are represented by OTP Bank employees;
• the function of automatically remembering passwords in the computer should be disabled so that information does not leak to the side during hacking;
• the password should be changed regularly and be as complex as possible;
• after the end of the session of using the service, it is necessary to carry out a full exit so that no one can use the entrance without authorization.

OTP Bank got its name from the national savings bank of Hungary (Országos Takarékpénztár) founded in 1949. In early 1990, the bank was reorganized (public company), and in 1995 privatization was carried out. The head office of the bank is located in Budapest (Hungary). The financial organization is managed by a board of directors headed by Shandor Chani.

After privatization, the bank began active work to conquer the European market, and in particular Eastern Europe. Subsidiaries of the company are located in Russia, Ukraine, Croatia, Serbia, Romania, Montenegro, Slovenia, Bulgaria and Slovakia.

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

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

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

In fact, the client receives all the data about the site after registration. It is enough for him to enter the address of the site in the search engine, and he immediately gets to the desired page. The login data is the number of the card or agreement with the bank and the password that you assign yourself. You can also use SMS confirmation on your phone, which will contain a password.

Mobile application OTP Bank

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