When choosing a lender, the borrower is primarily interested in how to save on interest payments. But no less important is how convenient it is to pay bills to the bank. About how to pay OTP loan bank without commission using a variety of deposit methods, we will discuss further in the article.

OTP Bank allows its clients to pay off loan debt without additional fees. This allows you to minimize your expenses and pay the net interest charged by the bank for the loan.

So, where can you pay for a loan without commission? The first way to repay your loan without additional interest is to make a postal transfer through the UNISTREAM service. This company allows you to transfer money to pay off credit card or consumer loan debt, and the funds are credited as early as the next calendar day.

You can also transfer funds through Russian Post. Using this postal service, a bank client can make a payment on account consumer loan and also top up your balance bank card.

You can also avoid unnecessary expenses if you make bank transfers. In particular, this applies to money transfers from your own account at OTP Bank. The transfer can be made both using self-service devices (terminals, ATMs) and using Internet banking. Terminals and ATMs also allow you to deposit cash towards your debt.

Some organizations allow you to pay the loan without additional interest, making deductions through accounting directly from wages employee. However, this does not apply to all places of work, and the conditions must be clarified with the accounting department. To make such deductions, you need to write an application indicating the bank details.

If none of the listed options suits the client, or a situation has arisen in which he does not have access to the listed means of repaying the debt, where can he pay for the loan with minimal interest?

There are several affiliate programs, which allow OTP Bank users to deposit money to repay a loan from minimum size additional costs. We list the main ones:

• Service " Gold Crown─ includes the offices of Euroset, Beeline, MTS, Know-How, Kari, Agent.ru. The minimum fee for mediation in the Agent.ru offices is 10 rubles, Kari – 30 rubles, in the rest – 50 rubles. The total commission amount is 1% of the transfer amount. The money arrives in your account within 2 days.
• At Svyaznoy offices you can repay a loan with a fee of 1%, but not less than 50 rubles.
• The communications company Megafon provides the opportunity to repay loans in its offices with a commission of 1% from the minimum amount at 50 rub.
• Offices and terminal networks of the companies M.Video, Eldorado, Domo charge minimum commission 50 rubles, charging 1% of the repayment amount.
• Rostelecom customer service centers and sales points provide the opportunity to repay OTP Bank debt with an additional fee of 50 rubles, 1% of the credit.

It is slightly less profitable to pay off debt through payment system Eleksnet, which has its own online wallet and terminals. For mediation in transfers, the system charges 1.4% of the contribution, but not less than 50 rubles.

The VISA QIWI Wallet electronic wallet allows you to repay an OTP Bank loan with a deduction of funds of 1.6%, but not less than 100 rubles. At the same time, the system provides the opportunity to make transfers both using terminals and using a mobile application or company website.

Important! When transferring funds to pay off a debt from the card of another Russian bank, funds are credited instantly, and the commission is 2% of the payment amount. However, the limit for daily deductions is only 15,000 rubles, which may not be relevant for borrowers of large amounts. You can pay with MIR, VISA and MasterCard cards.

Thus, OTP Bank provides a wide selection of funds for repaying loans, both without commission and with favorable conditions. Partner offices have many branches, which ensures accessibility and convenience of depositing funds, and remote methods will allow you to make a deposit on time and avoid fines.

The maximum amount of one transfer is 70,000 rubles, the minimum is 100 rubles. You can make no more than 4 transactions per day, the monthly limit is 600,000 rubles.

Transfer from OTP Bank card to card

You can make a transfer from an OTP Bank card to a card of any other bank in Russia. You can use this service around the clock. A special SSL protocol ensures the security of the transfer and keeps your data secret, so you can not be afraid to carry out money transactions via the Internet. Transactions are available for debit and credit cards, which do not have their own restrictions for making online transfers. Online translation money between cards saves your time and is completely safe.

Frequently asked questions about transfers using OTP Bank card number

Between which banks can a transfer be made?

Using our form, you can make a transfer between any banks: between two cards of OTP Bank, with OTP cards Bank to a card of another bank, or from a card of any bank to an OTP Bank card.

Between which cards can you transfer money?

Transfer is possible between any debit and credit cards physical and legal entities(forms of individual entrepreneur or LLC) of payment systems VISA (Visa) or MasterCard/Maestro (MasterCard/Maestro). The sender's and recipient's cards can be salary or corporate. The only requirement is that the card from which the transfer is made must have 3-D Secure protection.

Funds transfer fee

To calculate the commission, indicate in the transfer form the amount, the number of the sender's bank card and the recipient's card. The system commission is only 1.6% of the transfer amount, but cannot be less than 50 rubles. In rare cases, there may be an additional commission from the bank that issued the card.

How quickly will the transfer reach the recipient?

Usually the money comes almost instantly! For example, on cards Tinkoff Bank And VISA cards other banks received money immediately in 2020. On MasterCard cards And Maestro Sberbank money can take up to 1 day. The transfer is sent immediately and the time of crediting to the account depends only on the recipient's bank, according to the law, the bank must credit the money no later than 3 working days.

What do you need to know about the recipient's card to make a transfer?

To make an online cash transfer through our service, you only need to know the number plastic card to which you want to send money.

How to make a transfer?

To transfer funds, you need to enter your card number and expiration date on the front side, as well as the CVC2 / CVV2 security code from reverse side cards.
Then you need to indicate the card number to which you want to transfer cash.
After which all you have to do is enter the desired transfer amount, confirm that you agree with the terms of the offer and click the “Transfer” button.
The money will be automatically debited from your plastic card and will be in the recipient’s account within 5 minutes.

OTP Bank makes transfers from card to card in the following ways:

• remotely (using remote methods)
• at the office of a financial institution
• via self-service devices

Transfer on the bank's website

1. On the official website of OTP Bank, go to the transfers section
2. enter the required details
3. approve debiting and depositing funds

The service charges a commission of 40 rubles for carrying out transactions through cards not specified in the section Rates(located below the form for filling out data).

Via internet banking

The bank's online service is OTPdirect. With its help, you can transfer money from one payment instrument to another:

1. log in personal account
2. select item Translation to the OTP client Jar
3. indicate the method By card number
4. fill out the form with the recipient's information
5. receive a code combination of numbers via SMS, enter it in the required field and confirm the operation

Average transfer time - 30 minutes. No commission charged.

Via mobile banking

You can download and install the application on your smartphone in the AppStore and GooglePlay stores. To log in to your personal account, use the password for “OTPdirect”.

1. log into your personal account and go to the card transfers tab
2. in a special form, enter the recipient number and transaction amount
3. approve the operation

Implementation time – 30 minutes.

Connection and use of the service are free of charge.

Transfer money using SMS banking

To connect, please call hotline 8 800 100 55 55 (a code word is required) or do it yourself in Internet Banking (menu Settings → SMS banking settings).

To move money between cards:

1. create a special sample transaction in the OTPdirect service and give it a name
2. compose a message template amount (separated by a space), where the template is the name of the previously created sample (see point 1)
3. send a request to a short number 5927

The cost of the operation is charged according to the rates of the mobile operator.

At ATMs

To find the nearest ATM, use the service on the website.

1. and enter your PIN code
2. enter the payments and transfers menu
3. indicate the details of the payment instrument to which the money will be transferred
4. enter amount
5. approve the transfer

At a bank branch

When conducting a transaction through a cash register, you need to provide the specialist with your passport, card and recipient details. The entire process will be carried out by the operator at the branch cash desk.

Transfer from Sberbank of Russia card to OTP Bank card

If you need to transfer money to an OTP Bank card, this can be done through the Sberbank Online Internet service. After logging into your personal account, follow these steps:

1. go to the payments and transfers menu
2. open the tab responsible for money transfers to accounts of third party financial organizations
3. fill in the fields with the recipient's details
4. confirm the operation

Restrictions:

• one-time transfer no more than 30 thousand rubles
• for payment Visa systems Electron and Maestro – no more than 50 thousand rubles per day

The process will take no more than 10 minutes.

The story started a week ago. I decided to pay off the card loan in full. I go to a bank branch, there is a huge queue at the operator counter, I decided to pay through the terminal. There are 3 people near the terminal. I enter the number of the card on which I need to deposit money, enter the telecode, deposit money, receive a receipt and see that the money has arrived on my old credit card, which expired back in 2008. I'm shocked. What to do? I fortunately no longer have this card for a long time.

I approach the operator’s line, safely stand in line, and now it’s the hour of bliss - it’s my turn! And what do you think - “either the whistle doesn’t whistle, or the shark is deaf” - the operator says that he can’t carry out the transfer operation from card to card, the girl is at lunch, they send me to another branch.

What should I do, I go... There I fill out a couple of applications, ask how long it will take for the money to be transferred from card to card, they answer - 3 days. They don’t give me any receipt for accepting applications, they send me home.

I walk past the branch where I made payments, I go in, I want to find out the reasons why the payment that I made by entering the card number, telecode for this card, was received on another card. They say the program is like this: you need to choose the desired card.
I arm myself with a conductor - a person who has just deposited money through the terminal. We try together, we get to the step where you need to select a card... so I’ll tell you - the selected card is highlighted somehow very faintly, you need to look very, very closely. It’s no wonder that I didn’t notice such small nuances.
One thing I can’t understand is why, if I entered the card number and telecode for this card, they also give me the old ones, which it’s time to just close, there haven’t been any transactions on it for 2-3 years?

But this is not the end of the story... Three days pass, I call the bank on 8002007001, and find out that the transfer was not completed. I call the branch, where the girl tells me that the application has the status of “awaiting the original.” Interested in a girl
- What, the head office doesn’t trust its employees?
Girl, already nervous:
- These are the rules: the transfer will be completed within two weeks.
I'm asking:
- Why so long?
- We send mail once a week.
- Why then did you tell me three days ago that the transfer would be completed within three days?
- I didn't tell you that.
- Normal! .. - I answer.

After three days have passed, I call the multi-line phone every day. And imagine that every day they tell me new deadlines: 2 weeks, 30 days, today they said 40 days! Cool, right? From OTP Bank card to OTP Bank card - 40 days! This is just absurd guys.

I wanted to see the rules or procedure for transferring from card to card with my own eyes, but alas, I couldn’t find it anywhere, it looks like these rules or procedure (that’s what the operators called this document, who is the order, who are the rules) is secret information that even OTP bank operators do not know thoroughly .

I don’t know how the matter will end, I will inform you about further developments. But the lesson I learned from this story is to never contact OTP Bank again! For example, OTP Bank - Sberbank handles transfers from card to card within 2 hours! And OTP Bank - 40 days. Feel the difference. Moreover, I was accused of not being attentive enough. I think the bank should not lecture its clients, but will probably learn to work quickly in the age of “nuclear energy and computer technology.”

This whole story happened in Tver, Moscow is 3 hours away by train, if you send a letter with the original by mail, it will take 2-3 days. But alas, things are still there. And Sberbank employees are GREAT! Of course, I wouldn’t want the transfer to be completed like that man’s - in six months. Are these your real dates? I can’t wait that long, I’ll go to Moscow on foot... and still demand that I give up my hard-earned money.

Banking services now allow not only to receive money for plastic cards and withdraw them for use, but also pay without receiving cash. To transfer money from an OTP Bank card to a card issued by Sberbank, you need to understand the transaction procedure. It can also be used to pay for mobile communications and various goods, so you need to understand how you can transfer funds to another account as quickly as possible.

Instructions for transferring money from an OTP Bank card to a Sberbank card

Important! If both accounts are registered by OTP Bank, then for a transfer amount of up to 2 thousand rubles, the commission will be 40 rubles; for a larger amount, 2% of the amount will be charged. This is the percentage that will be charged for any other institution.

Transfer money from card to phone

To transfer money from a card to mobile phone, you can use many ways:

Transferring money from an OTP Bank card to a Sberbank card is very simple; for this you can use Internet banking, mobile app and an ATM. All options will require payment of a commission fee, but the funds will reach the recipient only if you follow the instructions for transferring money.