Having received a loan, you should not forget to make payments on time according to the schedule, so as not to increase the debt due to applicable fines and penalties. Today, in OTP Bank, you can pay a loan via the Internet using the agreement number, cash machines, and also transfer from another bank using the details to your account.

Payment of the loan through the services of OTP Bank

If you want to pay a loan via the Internet at OTP Bank, payment details are not always required. It is necessary to register in the OTP Direct online bank. It is not difficult to do this. A login in an online bank is assigned to each borrower automatically upon conclusion of an agreement, in which it can be found. When going through the registration procedure, you will need to enter it and your phone number. The client will receive a password to visit the service, which is recommended to be changed.

Having visited the Personal Account, it is easy to make a payment if there is an OTP card, for example, a salary card. Navigation and interface are clear and easy to use. You need to go to the Credits section and click Pay. In the fields you will need to enter the amount, indicate the bank card number for debiting (if there are several). The last step is confirmation. This procedure is standard and is performed by entering the key from the SMS.

Description of the possibilities of the OTP Direct service: repayment of loans to any bank details, payment for services, expenses and balance of funds, and more.

Another bank card

Without an OTP bank card, loan repayment is possible via the Internet with a bank card of any other institution. It is easy to perform directly on the OTP website in the Payment section (without registration). Here the possible methods of repayment are described, and it is proposed to proceed to payment by clicking on Pay by card.

• Enter the credit account number, enter your last name, transfer amount and email address. mail.
• Write down the bank card details for debiting: number, code, expiration date.
• Confirm the action with a password through the phone activated to the bank card.

Via the Internet by contract number

Repayment of a loan at OTP Bank by agreement number via the Internet is possible in several ways:

• From the phone of the MTS operator. It is necessary on the website of the OTP bank to go to the Payment section - From the phone account and fill out the payment order: account number, value, phone number. For the service, MTS charges a commission of 2.5% + a mandatory fixed amount of 10 rubles. For small transactions, the commission is 60 rubles.
• Kiwi. In the OTP transfer section, the client can select a payment from a card or a Qiwi wallet, after which the OTP account number, last name and amount should be entered. Next comes the redirect to specify card details or wallet number. Commission 1.6% (minimum - 100 rubles).
• Eleksnet. The service can be accessed through the OTP website. You only need to enter the loan account number and amount. Commission - 1.4% (minimum 50 rubles).
• Yandex money. Make a transfer from an existing wallet. You can also link an account to an e-wallet to simplify and speed up the procedure.

These options for paying at OTP Bank via the Internet by contract number differ in speed. It is not required to wait 1-3 days, as for banking transactions. Usually, the money arrives in a couple of minutes.

Through the OTPcredit application

We recommend installing a mobile application that will remind you of the need to make a regular payment. Through the OTPcredit mobile application, you can pay the loan in any convenient way, create templates and always know the exact amount due.

Payment details

In OTP Bank, paying a loan by agreement number via the Internet is not the only option. If it is possible to pay the loan only in cash, you can use cash-in ATMs, Qiwi or Eleksnet terminals. The commission depends on the method and can be 1-1.6%. You can also use the Golden Crown service through such salons and networks: Euroset, MTS, Kari stores, Beeline, Agent.ru, Maximum, Know-how, partner banks of the Golden Crown and City systems. The commission is 1% (minimum 50 rubles).

You can also send a transfer through the cash desk of any financial institution to the OTP Bank to pay. Details for the procedure can be found in your contract. In addition to your account number, you will need general bank details:

• TIN 7708001614;
• BIC 044525311;
• KPP 997950001;
• correspondent account 30101810000000000311

The commission is assigned by the institution chosen by the client. Usually, it does not exceed 1%, less often - 1.5%. If you deposit cash directly at the OTP branch, no details are needed. It is enough to give your contract or account number and present your passport. No transaction fee is charged.

Conclusion

As you can see, in OTP Bank, repaying a loan via the Internet using the contract number is a convenient and quick procedure. The bank provides the client with the opportunity to choose to pay from a bank card, even a third-party bank, or using an electronic wallet, and also does not limit the time of payment and allows you to make a repayment at any time of the day.

Date: 11/01/2016 11/08/2018Text: 100i1credit

OTP Bank offers its customers several ways to pay a loan online and in cash. You will learn about the most convenient ways to repay a loan at OTP Bank below.

Pay a loan through your personal account OTPdirect

On the personal account page you can get detailed information on the loan:

• Contract number;
• date of receipt of the loan;
• Product name;
• Loan repayment account number;
• Amount of credit;
• Interest rate on the loan;
• Account balance;
• The amount of overdue debt;
• Penalty for overdue debts;
• The amount of the next payment, taking into account fines and delays;
• Date of the next payment.

All online payment methods

You can repay a loan in OTP online:

• With a card from any other bank. Funds can be transferred to official website of the bank. Credit will be credited to your account the next day. The service itself is provided by a third-party organization PJSC "MINBank". Therefore, the commission for the transfer of funds will be 2% of the amount of the payment.
• With the help of electronic payment systems: Qiwi, Yandex Money, Rapida, etc.
• From your mobile phone account: Beeline, MTS.
• Using the internet banking service of your bank. For example, using the service Sberbank Online, VTB24-Online or OTPdirect.

Payment for an OTP loan through Sberbank Online

You can pay off a loan at OTP Bank, as mentioned above, and through Sberbank Online. This method is quite convenient, and therefore is very popular among borrowers. Required for payment.

Make a payment in cash at payment points

If online payment is not for you, you can make your OTP bank loan payment at the nearest of 120,000 payment acceptance points. You can pay in cash through:

• self-service terminals and ATMs of OTP Bank,
• in the communication stores of MTS, Megafon and Beeline,
• payment acceptance points Cyberplat, Rostelecom, Rapida, Eleksnet,
• at the branch of the Federal State Unitary Enterprise Russian Post, using the CyberMoney service,
• at points of sale Svyaznoy, Euroset, etc.

Bank transfer to the settlement account in OTP

You can also pay a loan in OTP at a branch of any other bank. To do this, download and fill out the form below. Bank transfer details for loan payments:

• Payee: Full name
• Payee's bank: OTP Bank JSC
• TIN: 7708001614
• Gearbox: 997950001
• С/с: 30101810000000000311 at the OPERA of the Moscow GTU of the Bank of Russia
• BIC: 044525311
• Payee's account: Your account number (specified in the Agreement or invoice statement)
• Purpose of payment: replenishment of the account (indicate the personal account), full name of the recipient of funds under agreement No. _ (indicate the number of the agreement).

Full repayment of debt on a loan in OTP Bank

In order to repay the entire loan, having the amount necessary for payment, one should notify the bank about this operation a calendar month before repayment. After the expiration of this period, you can deposit money into the account.

Further actions can take place in the following options:

• The bank will debit the entire amount necessary for repayment from the account and close the loan agreement unilaterally. To protect yourself from unforeseen claims, you should contact the bank branch for a certificate of no debts.
• After paying off the debt, the borrower writes an application and submits it to the right bank employee so that he can close the contract.

Different banks may have one or another option for closing the contract. You can find out about this from bank employees, in the text of the contract or by calling the hotline.

The procedure for early repayment of a loan in OTP Bank:

• Specify the full amount to be paid by calling the bank's hotline 88002007005. Remember that if you do not pay just a few kopecks, the contract will not be considered closed.
• In advance (recommended 10 days before the next payment), deposit the required amount to the credit account. The loan will be repaid on the next payment date.
• Check the closing of the contract. To do this, be sure to contact the bank staff for confirmation of the full repayment of the loan.

Also, do not forget to keep all payment receipts to insure yourself against possible problems with debt payments.

Early repayment is beneficial for both parties - the client reduces the amount of overpayment, and the bank's funds arrive at different stages of turnover faster. Loans are repaid ahead of schedule both in full and in part. We will tell you how to repay a loan in OTP Bank ahead of schedule and how the repayment process takes place.

Basic moments

Clients of OTP Bank can repay the loan ahead of schedule, starting from the first day after the document is signed. There are no penalties for such actions. Additional commissions for this calculation are also not charged. There are two payment options that each client has access to:

1. Full.
2. Partially early.

In the latter case, the amount is paid without restrictions. Even if only 100 rubles are paid, they cannot refuse to accept the contribution. The terms of the loan are then reviewed by the employees of the relevant organization.

On the procedure for partial early repayment

You need to follow the steps in the following order:

1. Replenishment of the current account. It is important that the transferred amount exceeds the amount of monthly payments indicated in the schedule.
2. A prerequisite is filling out an application in a special form. It indicates the type of operation performed, as well as the amount of early payment.
3. Select the option by which the schedule is recalculated.
4. Obtaining assurance from a specialist that the documents have been accepted.
5. Receiving an SMS message from the bank confirming the acceptance of the application.
6. Contacting the bank branch for a new schedule.

The main thing is to inform the bank about the decision taken in time. Otherwise, the money will simply remain in the credit account, will not bring any benefit. Only those funds that perform the function of a monthly installment are automatically debited.

It is recommended to deposit money first and see if the operation went right. And only after that apply with a statement to the bank employees. Otherwise, there is a high probability of delays, for which fines are charged.

Full repayment: its features

The first step is to contact the office or contact center. This is necessary to find out about the current amount of debt. 8 800 200 70 05 is the best option for communication, which remains available around the clock. Under such circumstances, no statements are made. Simply enter the required amount, indicating additional information.

When funds are deposited into the account, it is recommended to take into account the speed with which such operations occur. Depending on the specific method, it ranges from 1 to 10 days. It is recommended to choose self-service terminals from the OTP bank itself, then the delays will be minimal.

The next day after the debt is closed, it is recommended to call the employees of the financial institution again to find out if the debt was actually closed. This information is also displayed in the Personal Account.

What happens if you don't pay the loan?

Don't expect debts to be forgiven. Many mistakenly believe that financial institutions are entitled to take any steps when returning funds, but this is not the case. There are only a few options for acceptable interaction.

Sending letters, making phone calls

Psychological impact on the client is the first step that is applied. Bank employees will constantly call the phone, with messages of the following content:

1. Requests to pay off debt.
2. Threats of litigation.
3. Threats to attract collection agencies.

Such notices may be in writing. Such methods of influence are provided for people with weak psychology. They will look for any options to obtain the required amount. But the financial structure does not have the right to take the actions that it speaks about.

Referral of cases to the judiciary

For this purpose, a special department is being created in banks, which deals only with solving such problems.

If the case goes to court, the process will consist of the following steps:

1. Preparation for the meeting, collection of necessary documents. Both sides should attend to the solution of this problem. The client must prove that he has reasons due to which timely settlements are no longer possible.
2. The court session, during which the arguments of each of the parties are heard.
3. Adjudication. The chances of one side winning are about equal.

Complete cancellation of the loan as a result of a court decision is unacceptable. It is only possible to reduce the total amount of debt.

One of the most common court decisions is monetary penalties. Money can be debited from any account. This applies to deposits that receive social benefits and other types of budget payments.

The arrest of property can wait for those who took a loan secured by security and stopped paying. This is also acceptable for ordinary types of loans, if there are no other ways to pay off. If the apartment is the only housing, then it cannot be taken away. Arrests are imposed on furniture and household appliances, jewelry.

Sometimes they send writ of execution following the results of the meeting, directly to the place of work. In this case, up to 50% of the salary is prescribed to be spent on paying off debts.

When the loan is repaid ahead of schedule, it is more profitable to choose a recalculation of the schedule with a reduction in terms. In this case, the final overpayment is reduced in size. The main thing is to weigh everything in advance and understand how relevant early repayment, even partial. In some cases, it is more profitable to use free money to open a deposit, and pay off debts from the interest that they receive every month. You can also use the help of special legal organizations that help those who have lost the ability to pay loans on their own.