Repayment of a loan from a bank. The main ways to repay a loan in a bank

OTP Bank is one of the ten most active credit card issuers and ranks third in terms of the number of loans issued in stores selling expensive goods. Naturally, bank customers often have a question: how to pay OTP loan bank without commission or with a minimum? We will talk about this further.

Methods of payment for a loan from OTP Bank

Taking care of the convenience of customers, the lender has provided a variety of payment channels. You can repay the loan at bank branches, through a huge partner network, and also make payments remotely.

The most common ways to repay a loan from OTP Bank:

through online channels. You can use the following services:
- OTPdirect;
- online banking of any other financial institution by making a transfer to the details of the creditor (read about how to pay a loan from another bank through Sberbank Online);
- transfer from a debit card by filling out the payment form directly on the OTP website;
- websites of payment operators "Unistream" and "Zolotaya Korona";
- e-wallets: Yandex, Eleksnet.
You can deposit cash to repay a loan:
- To the cashier of any banking institution, including OTP.
- Through ATMs with cash acceptance function and self-service terminals in OTP branches and Sberbank of Russia.
- Via the Rapida payment system: in Svyaznoy network stores, M-video, Eldorado, Domo stores.
- Through network members Gold Crown».
- To the cash desk of partner organizations: Megafon salons, Russian Post branches, Rostelecom branches.
- Through payment acceptance terminals: Qiwi and Eleksnet.

You can also agree with the accounting department of the enterprise where the borrower works, so that the accountant on the appointed day makes a deduction from the employee’s salary in favor of the bank, and carries out cashless payment to the specified details.

Via the Internet, personal account

For holders of payment cards of OTP Bank, the easiest and cheapest way to deposit monthly payment- through the Internet. It is necessary to log in to OTPdirect Internet banking and make a payment through your personal account.

For transfers between cards and customer accounts that are opened with OTP Bank, including from a settlement account to a loan account, there is no commission. Connecting and using Internet banking is also free.

If the client does not have access to the personal account, it is necessary to visit OTP department and activate this service. If the service has already been activated, you can call the multi-line phone of the call center and the operator will tell you the login, and one-time password to enter will come to the mobile client.

To simplify subsequent loan payments, you can create a template in your personal account or connect a scheduled payment. In the future, it will be possible to make a payment according to the template via SMS, but this service is paid and its cost is equivalent to the cost of an outgoing message.

For a mobile phone, you can use the Mobile Bank application from OTP, which also has the ability to make monthly loan payments.

From OTP card

There is another way to pay the OTP loan - via the Internet bank card OTP, but without authorization in Internet banking.

This feature is also implemented on the official website of the bank, but it is paid. Instruction:

On the main page of the site, select the section "Repayment" or "Repay the loan",
Then go to the subsection "Pay online",
In the drop-down list of methods, give preference to the operation "Pay by card",
A payment form will open, in which you must specify the card number and full name of the holder.

The operator for such payments is outside organization"Payment Center", for the transfer of money, the operator will take a commission of 2% of the amount.

From a Sberbank card

Customers of the country's largest bank can pay a loan to OTP Bank via the Internet with a Sberbank bank card. For this you need:

Log in to the Sberbank Online system,
Select the item "Repayment of a loan in another bank" in the "Payments and transfers" section,
Make payment OTP details and make payment.
In the same place, you can activate the "Autopayment" service and money in favor of OTP will be debited automatically on the appointed date.

For loan payments in favor of another bank through Sberbank Online commission will be 1%.

By contract number

The client may need the contract number both for making cash payments on the loan and for making online payments. In particular, it is necessary if the client plans to make a monthly payment through:

Self-service terminals of OTP bank,
ATM,
Interbank transfer. The contract number must be indicated in the column for the purpose of payment,
Postal transfer.

To make payments through the Golden Crown service, the Rapida system, payment terminals, you need to know the credit account number. This number is specified in the loan agreement and consists of 20 digits.

Where to pay a loan from OTP Bank without commission?

You can repay the loan for free. Without additional costs, you can make the current loan payment through:

OTPdirect system;
Bank cash desk, cash-in ATMs and OTP self-service terminals;
Unistream translation service;
Subdivisions of Russian Post.

Despite the fact that OTP Bank is not the most big bank in our country and occupies only 52nd place in the rating of Russian banks, however, it ranks sixth in terms of the number of loans and credit cards issued. This indicates that throughout the country the financial institution has hundreds of thousands of customers who are forced to pay their debt obligations to it on a monthly basis.

On the other hand, statistics show that approximately 70% of the population use Sberbank cards. This convenient payment instrument is suitable for crediting wages and allowances. In addition, it can be used to pay for goods and services and repay loans in other banks. From this we can conclude that each OTP bank borrower has the opportunity to repay a loan from a Sberbank card, let's try to answer the question of how to do this.

Payment through the service of Sberbank

Let's start with the fact that paying for an OTP Bank loan via the Internet with a Sberbank card is the most affordable, fastest and safest way to pay off loan obligations. Why? Because Sberbank has been a leader among other commercial banks for many years, it differs a high degree security. Accordingly, with this payment method, the user can be sure that the funds will be credited to the lender's account on time and with minimal fees.

Now back to the main question, how to pay for an OTP Bank loan through Sberbank Online. Walkthrough:

log in to the Sberbank Online system using your login, password and one-time code;
on the main page of the online system, find the button "Transfers and payments";
a new page will open in front of you, on which you need to select the link "Repayment of a loan in another bank";
on the service selection page, you need to find the financial institution OTP Bank, if it has not opened in front of you, you can use the search bar where you need to enter the name of the organization, service category, or TIN;
a form will open in front of you to fill out, in which you need to indicate the account number, you will find it in loan agreement, that is, this is your credit account number, last name, first name, patronymic of the client, address, last name, first name, patronymic and address of the payer;
after you have correctly filled in all the settings, confirm the operation with a short password from the SMS message.

Please note that you can set up auto payment in Sberbank Online. What does it mean? On a certain day, the system will automatically deduct the amount needed to repay the loan from your account and transfer it to the lender.

So, as mentioned earlier, Sberbank Online is reliable and profitable way loan repayment. As for commission fees, it is only 1% of the transfer amount, the terms for crediting funds can reach 5 working days. But in practice, the payment is much faster. And finally, at any time you can print a receipt from your computer and provide it to the lender as proof of timely payment.

By the way, pay attention to the fact that you can print the receipt immediately after payment and after a certain time. How to do it? On the main page, find the "Personal Menu" and follow it, then the line "History of operations in Sberbank Online" will appear in front of you, here you can select the operation you need, click on it and an electronic receipt will open in front of you, at the bottom of which there is a function "Print check."

OTP internet banking

Among other things, it is possible to pay an OTP Bank loan with a Sberbank card through the lender's Internet banking. That is, in simple words, you can send a loan payment through your online account of OTP Bank. How to make a payment:

open the official website of OTP Bank, and enter the Internet bank;
in the main menu, find the link "Payment by card";
indicate the last name, first name, patronymic of the payer and his e-mail address;
in the line "Amount of payment" indicate the amount to be paid;
in the line "Card number" indicate the number of the plastic from which you plan to send the payment;
check the correctness of filling out the form and send a request;
You will receive confirmation after the transaction.

Please note that OTP Bank charges a transfer fee of 2% of the payment amount, respectively, repaying a loan through Sberbank Online will be more beneficial for the borrower.

To summarize, if you receive a salary to an account with Sberbank, and pay a loan to an OTP, then you don’t have to withdraw money and then go pay the loan. The whole procedure can be carried out in just a few minutes without leaving your home via the Internet. At the same time, the Sberbank commission is only 1%, which is undoubtedly beneficial for the borrower.

Sooner or later, the balance of the debit card runs out. The question immediately arises as to what methods of replenishment of the account exist. Luckily, both the old proven options and the more advanced ones are available.

Replenishment methods

Customers save their money in the bank and use it to pay for purchases in a non-cash way.

In order not to be left without money at the wrong time, the management offers many convenient ways to replenish an OTP bank card. Each of them needs to be considered in more detail.

Payment through the payment terminal of OTP Bank

the client inserts the plastic into the card reader and indicates the PIN code;
selects the point of crediting money to the card account;
places banknotes in a special area in the device;
checks the entered information;
confirms the operation, and then completes it;
takes the money and a receipt for the transaction.

Money is credited to the account instantly, and there is no commission for the transfer. Addresses of devices and zones of their exact location can be found on official internet OTP Bank portal.

It is advisable to always take a check on the transaction, since in the event of an unforeseen situation, it will be possible to return the money only if it is available.

In the offices of the network Svyaznoy, MTS, Mvideo, Technosila

The operation is carried out by an office specialist. The main thing is that the client has a passport with him, and knows the details of the replenished card. There is a small commission of 1%, minimum size which is 50 rubles.

Money is credited to the account during the day. In MTS salons, the operation is carried out through the Golden Crown service. The money will be credited to your account within two days. The amount of the commission is kept at the same level.

QIWI system, Eleksnet, Primorye

the client looks on the monitor of the device "Repayment of credits";
then proceeds according to the scheme Bank / Details / number of replenished plastic / Amount of transfer;
inserts money into the bill acceptor;
waiting for the completion of the operation;
takes the check.

Through the "Pay on the way" service in the network of payment devices Sprintnet, Telepay, Pinpay express, RosExpress, Quickpay and RosExpress

They all work in the same way:

the client inserts the card into the device;
stands for PIN;
further, a list of available operations appears on the monitor. The client chooses from the list to deposit cash or a transaction from another card account;
then indicates the account details and the amount of the payment;
takes the check.

Money transfer through the Post Office

The operation is carried out by the telecom operator of the branch. Usually the money is credited to the account within 3-5 days. The commission is kept at the level of 1.5%.

Through PS "Contact" and "Cyberplat"

The commission is 1.5%. Funds are credited to the card account within the first day. The client must have a passport with him and provide the correct account number of the plastic card.

ATMs of OTP Bank partners

OTP Bank allows card replenishment without commission only in partner banks. It is advisable to check their list directly at the office of the bank itself.

The terms for crediting finances and the amount of commission fees are established by each bank in a separate order. The replenishment operation is carried out in the following way:

the card is placed in a special compartment;
the client enters his PIN code;
clicks on the appropriate option;
denotes the BPU number of the recipient of money;
indicates the amount of the transfer;
confirms his actions;
takes the card and check.

Electronic wallets Yandex. Money, Webmoney, MoneyMail

Each payment system has different fees. Yes, Yandex. Money withdraws a commission of 3%, and an additional 15 rubles are added to this amount.

For the MoneyMail service, its value is reduced to 2%, while minimum amount commission is only 20 rubles. As for the time of crediting, in the first case, the money is transferred within 7 days, in the second case, they are transferred within the first day.

Before getting an electronic account in one of these systems, first the user needs to go through the registration process on the portals of these services.

Only after that he will become the owner of a personal virtual wallet, which he will be able to replenish in any way. All of them are indicated directly on the site.

Money transfer through the cash desk of another credit company

The main thing here is that the person sign the recipient's card number well. Usually money is transferred to the account within the first 3-5 days. The amount of commission is calculated by each bank individually.

There are different ways to replenish an OTP bank card, including transferring money from personal wages.

For this purpose, the client is obliged to instruct his accountant to translate a specific sum of money from your salary to your debit card account.

Check out the offers of banks

Card with cashback in Rosbank

Issue a card

More about the map

Cashback up to 7% - for selected categories;
Cashback 1% - for all purchases;
Bonuses, discounts on goods and services from VISA;;
Internet banking - free of charge;
Mobile banking - free of charge;
Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Issue a card

More about the map

Up to 5% cashback;
Cash withdrawal without commission at partner ATMs;
Internet banking - free of charge;
Mobile banking is free.

Card from Vostochny Bank

Issue a card

More about the map

Up to 7% cashback;
Cash withdrawal without commission at partner ATMs;
Card service - free of charge;
Internet banking - free of charge;
Mobile banking is free.

Card from Home Credit Bank

Issue a card

More about the map

Up to 10% cashback from partners;
Up to 7% per annum on the account balance;
Withdrawing funds from ATMs without commission (up to 5 times a month);
Apple Pay, Google Pay and Samsung Pay technology;
Free internet banking;
Free mobile bank.

Debit card from Alfa Bank

In relation to the payment of an OTP bank loan, users of the services of this credit institution are most often interested in only two questions - how to pay an OTP bank loan online via the Internet and where to pay an OTP bank loan without commission. These are the most popular questions. And it is clear why - it is convenient to pay via the Internet, because you do not need to leave your home, and no one is ready to overpay for convenience.

Well, let's find out!

OTP Bank is one of the largest banks in Russia. A distinctive feature of this financial organization is its flexibility and versatility. In addition, the bank provides huge list services aimed at both private clients and large organizations.

small interest rate on a loan, as well as the convenience of its repayment, make OTP Bank a profitable and reliable partner. The bank offers a wide range of payment methods for loans, including via the Internet. In addition, payment of a loan via the Internet is by far the most convenient way.

But the most convenient way payment of OTP Everyone chooses a loan for himself. And here the logic of a particular person may contradict common sense and statistics.

However, nevertheless, some principles from which the convenience of payment is formed can still be identified:

free (no one wants to pay a commission)
minimum body movements (no one wants to waste time going to addresses)
simplicity and clarity of the payment process itself (for example, pensioners do not understand how to pay via the Internet, so they are ready to go somewhere, but only so as not to confuse anything)
possible limits on deposited funds (some are not satisfied with the limit, they need to deposit more money than is allowed)

In accordance with this, the most popular methods of paying for an OTP bank loan are:

pay an OTP bank loan online, that is, via the Internet
through Sberbank Online (this is a personal account of Sberbank)
in cash
through payment systems
in the partner store of the bank

In turn, each of these categories has its own subcategories, so there is a huge mass of payment methods - choose what you want! Well, let's look at each category in more detail below.

Through the Internet

Paying a loan from OTP Bank via the Internet is modern method payment, but it is understood as a very broad topic, and it includes the following smaller methods:

payment via OTP Direct
through mobile banking
through the OTP Credit application
you can pay the loan through the official website of JSC OTP Bank using a card of any bank
payment by OTP card or any other bank from the site, without logging in
qiwi wallet
from MTS phone account
Yandex money

Repaying an OTP bank loan via the Internet is convenient because:

there is no need to leave the house or interrupt important business for a trip to the bank
all you need to do is use a computer or mobile phone with internet access
low interest and commission for the operation (for some methods it is completely absent)
the whole procedure takes no more than a couple of seconds

As you can see, there are many ways to pay for an OTP bank loan via the Internet, and this can be done from a plastic card, both from this bank and from another, and since plastic cards almost everyone has it, this is a very popular way. If you are going to make a payment directly from the OTP bank card, then you do not need to enter the bank's personal account at all. You can pay directly from the official website.

So, let's consider each method separately.

Bank card

Where can I pay for an OTP bank loan with a bank card?

In order to repay the loan using a bank card of another bank, you need to go to the OTP Bank website in the section "Cash Loans" or "Credit in the store". Scroll to the center, find the banner as below, click learn more, click "Loan repayment" on the opened page. Then follow the instructions.

How to pay an OTP bank loan from a card of another bank:

you have landed on this page https://www.otpbank.ru/retail/kredit_v_magazine/got_credit/#repayment
click "How to pay a loan online?"
this section has a button "Pay with card", click it
you can pay the loan by account number or by card number - these are two different things (while the card number is indicated on the card itself, the account number is indicated in the loan agreement for this card)
depending on your choice, you need to enter the account number or card number
then enter the recipient's full name and email address
in the next column, enter the amount of the transfer
then click the "Continue" button

However, please note that when choosing this payment method, you will have to pay to the bank commission, which is 2 % . Money is credited either immediately or on the next business day.

You should also reproach the programmers of the OTP Bank for the fact that it would be much easier to implement such a very useful service - it is very difficult to find directly a page where you can pay a loan with another card without going into Internet banking! But business, as they say, worldly.

To pay directly with a bank card of OTP Bank, you will have to go to Internet banking (OTP Direct) or to a mobile bank.

Payment via OTP Direct or mobile banking

Paying for an OTP bank loan through an Internet bank or OTP Direct or a mobile bank (which is the same thing) is convenient. It is also understood as the question of how to pay an OTP bank loan by the agreement number. However, this payment method assumes that you have access to these services, that is, that you are a client of this bank. And also the fact that you have either an OTP bank card or a card of any other bank, nothing else is given.

Also note that, by and large, Internet banking of any bank does not give absolute freedom to dispose of funds in terms of paying loans, since most often you can only pay off a loan from another bank if it is “allowed” by the bank whose personal account you use (this is rare). And in this case, the payment instructions will be individual, but the system will tell you everything.

Also keep in mind that the IB of the OTP bank cannot offer you anything except a transfer to a card of another bank (if we talk about paying a loan), but this, in essence, will be a payment. Therefore, there are two problems, how to pay consumer credit to settlement accounts of another bank, and not to a card, and how to pay microloans. What about the first, what about the second question, everything is complicated. For example, if OTP Bank does not have an agreement with a specific microfinance organization, then you will not be able to pay a microloan through OTP Direct, because MFIs do not issue plastic cards.

And yes, for completely “distant people” (don’t get it wrong) - by replenishing the card, you are already paying the card debt (the bank will write off the required amount from the account), but it’s more difficult with a consumer loan (since you need to deposit money directly to your current account in this bank), most Internet banking does not provide such an opportunity.

So, the payment scheme for an OPT bank loan with a card in OTP Direct and in mobile bank will look the same:

either log in to Internet Banking or mobile app
To do this, you need to install this application on your mobile phone
after installing the application, you need to log in to it
further, in general, all actions are the same for both IS and MB
select a section "loan repayment"
then enter the desired amount to transfer
press the "Pay" button
funds are credited almost instantly

This translation will cost you FOR FREE!

About another most popular way to pay for loans via the Internet, we will tell in the section - how to pay for an OTP loan through Sberbank online, this is the same as OTP Direct, only Sberbank.

Via QIWI wallet

Today, a wide variety of monetary systems. One of the most famous is Qiwi. But to pay a loan at OTP Bank using Qiwi, you need to have a Qiwi wallet.

And to create it is very simple, in 2 minutes:

go to qiwi.com
there will be a button at the top "create wallet"
press it
enter your phone number
4-digit verification code comes to the phone
enter the code
click "confirm"
in the tab that opens, come up with a personal password
click "OK"
wallet created

Through MTS

Since we are talking about payment methods using the Internet, in this case we will talk about the Internet banking of MTS Bank (MTS has had its own bank for a long time) and about the phone account directly serviced by MTS, but in theory, using MTS, you can also pay credit by visiting a communication salon.

There are two schemes for paying an OTP bank loan from an MTS phone account:

through the phone menu
through Internet intermediary services such as RURU

Through RURU:

go to the service (you do not need to be registered for this)
find section "loan repayment"
find OTP bank
fill in the data (number of your OTP bank account, full name)
choose the payment method "using MTS"
enter payment amount
follow the system instructions

As a result, the money will be debited from your phone to the bank account of the OTP bank, taking into account commissions around 5%!

You can also pay an OTP bank loan on the same RURU.ru, but by sending an SMS message to the short number 7878:

type a message "otp 40000000000000000000 Sergey Sergeevich Sergeev 1000" without quotes
where "otp" is the recipient of the payment
"400000000000000000000" - 20-digit number of your current account in OTP Bank
"Sergeev Sergey Sergeevich"- your full name
"1000" - payment amount
send this message to a short number 7878

The system commission will be about 5%.

Through the MTS personal account (this is a very tricky thing that combines your phone account, MTS bank Internet banking, and TV bills), if you want to pay from your phone account:

log into your account using your phone number
find section "Payment Management"(it won't be hard to find)
find "Payment for goods and services"
find "loan repayment"
choose OTP bank from the list
choose from 3 options "Payment of the loan from OTP Bank according to the card number" or "Payment of a loan from OTP Bank by account number"
in the first case, fill in your phone number, payment amount, click "next", enter the card number, receive an SMS confirmation code on your phone and that's it
in the second case, enter the 20-digit number of your settlement account with OTP Bank, your full name, payment amount, click "next", follow the further instructions of the system

If you pay a loan OTP card bank from the MTS phone account, then it will cost you 4% commission from the payment amount, you can transfer at a time no more than 15000 rubles(otherwise you need to provide a passport, but to whom?), in one day you can spend no more than 5 payments.

If you pay a consumer loan from OTP Bank from your phone, then you will have to pay more 2.3% commission to the payment amount and 10 rubles for the very fact of the operation, per day can be carried out no more than 5 operations at the rate of no more than 15000 rubles.

Through the MTS personal account, but not from a phone, but from a card of any bank to an OTP bank card (in this way it is very convenient to pay off an OTP credit card):

we go by entering a mobile phone into your personal account (however, further you will only need it to receive a security code)
find "payment for goods and services"
find "loan payment"
choose "Pay a loan from OTP Bank from card to card"
we drive in the OTP card number and the payment amount
we drive in the card number of the bank where you have money (in general, any)
its validity period, owner's name in Latin, CVC code, your phone number
receive an SMS confirmation code on your phone
enter it and click "pay"

Commission MTS in this case will be only 1,5% from the amount of the payment, and the term of crediting - from "instantly" to several business days.

ATTENTION! Personally, we believe that the MTS service is very progressive compared to other payment methods on the market. Firstly, there are no restrictions, you can pay for a "card" loan from a card of any bank to an OTP bank card, for only 1.5% commission; secondly, you can pay the consumer loan. Do you know a lot of Internet banking, where you can directly pay a loan to the accounts of another bank?

Through Yandex.Money

To pay for the loan, the OPT bank also accepts Yandex. Money, i.e. electronic money. True, for this you need to have an account in the Poison system, in some cases be authorized users (passing authorization is still that hemorrhoids), and generally have money on your account.

You also need to understand that not all banks are connected to the poison system, but the OTP bank is one of the few that are connected.

The process itself looks very simple:

sign in to Yandex Wallet (same as signing in to Yandex.Money)
find on the left in the graphical menu "bag" or "payments and transfers"
find "Paying loans"
find in the list credit organizations"OTP bank"
fill in your name
account number, which must be specified in your loan agreement
payment amount
the system will automatically calculate the amount that will be debited from your wallet, taking into account the commission

You should be warned right away that the size commissions will not be weak (Yandex.Money is in the top of the most expensive payment methods) - 3% from the payment amount + 15 rubles for the fact of payment. That is, if you intend to pay an OTP bank loan using this method, then it is better not to do this - go broke. But if the payment amount is small, or if at 23-00 hours, and from 00-01 there will be a delay, and at the same time you have money for poison, then, of course, it is better to pay in this way.

As a rule, money is transferred instantly, but can be credited within a few business days.

Through Sberbank Online

Well, now about the popular question - how is the OTP bank loan paid through Sberbank online.

This method is very popular, since the majority of working citizens of Russia receive the money they earn on Sberbank salary cards, and at the same time, a citizen can have many loans, and not all of them can be issued at Sberbank.

This method is very convenient, especially if you use the auto payment service. To do this, just create a template, specifying the necessary details, as well as the date when you need to make a payment. If the account at the right time will be required amount, then Sberbank will automatically transfer the money on the OTP loan.

However, this method also has a number of disadvantages:

sometimes money is transferred up to five working days, so you need to take care of the loan payment in advance
Sberbank commission for a transfer to the accounts of another bank is also not the smallest, but at the same time not the largest (it is from 1% of the transfer amount, often more)

In order to be able to transfer money on a loan, you must have a Sberbank card. In addition, you will need bank details of OTP bank, without this knowledge in any way.

So, how is the payment for an OTP bank loan made with a Sberbank card or from a Sberbank account through Sberbank Online:

you need to use a mobile application or go to Sberbank Online on the bank's website
select section "Transfer to account"
next, find the tab "To accounts of other banks"
specify the details of the OTP bank for money transfer
enter information about the payer
now write the amount that needs to be transferred to repay the loan payment
then a message with an SMS code will be sent to the mobile phone, it will need to be entered on the bank's website to confirm the transfer
I would like to remind you that one of the disadvantages of Sberbank is the slow transfer of money, so you need to take care of the timeliness of the loan payment to OTP Bank

07.06.2019 0

Bank "OTP" is one of the largest banks in the country, representing a wide range of services. Priority attention is paid to: lending, working with credit cards and cash, servicing deposits from individuals. Also offered profitable offer cooperation for clients of different categories. Each program is selected according to the requirements and financial capabilities of the client.

Loans issued by OTP Bank are repaid in several ways, for this the borrower only needs to choose the appropriate option and make payments on time.

Loan payment methods

If there is a valid loan, then the terms of its repayment are specified in the contract. Monthly payments must be made 3-5 days before the date specified in the document. This time will be required to process the data and credit the funds to the account. To make each contribution, you must specify the beneficiary's account number (indicated in the documents).

To repay an existing loan, you can choose one of the following methods:

Transfer from a mobile phone- provided for users of the services of operators "MTS", "Beeline" and "MegaFon". In each of these transfers, a commission is taken. MTS subscribers will pay 2.5% + 10 rubles for the operation. Beeline will withdraw 2.99% and ask for another 15 rubles. Megafon will have a commission of 3.6%. To make a payment, you will need to go to the OTP-Bank website and enter the necessary details;
Transfer via terminal. In this case, 1% will be charged for the operation;
Transfer via online wallet. Suitable for borrowers who use Qiwi wallet services. The interest will be 1.6%, but the transfer must be at least 50 rubles;
Payment is accepted through the service "Zolotaya Korona" in the Euroset, MTS, Beeline salons. Here they will remove 1% of the commission, but the minimum transfer amount must be at least 50 rubles;
You can also contact one of the shoe stores "Kari » or go to "Know-How". They also accept payments, but with a commission of 1% (50 rubles);
You can pay in the communication salons "Svyaznoy"- here they will take 1% commission, and the money will be transferred in one business day. The minimum cost of the service will be 50 rubles;
Clients of the Eleksnet service will be able to use the terminal or electronic wallet. Under such conditions, the commission is 1.4% or from 50 rubles. And if a personal electronic wallet is opened on this service, then the percentage for the operation will decrease to 0.95% and pay at least 20 rubles in rubles;
Transfer through the Rapida system. You can repay the monthly debt through the cash desks of the electronics supermarkets Eldorado, Technosila and MVideo. Payments are made with a commission of 1% from 50 rubles;
Payment via Qiwi wallet, Visa or Wallet terminal, the funds are transferred to the recipient immediately. In this case there is additional payment in the amount of 1.6% (from 100 rubles). If you enter the card number instead of the account number, then the operation is processed up to 2 days;
"Post office" accepts payments for free;
Transfer of funds for making a monthly payment can be made from a card of another bank, here the transaction lasts exactly one day. For the operation, you need to pay 2% of the transfer amount. In this way, you can transfer money from the official website of the "OTP" bank or "Personal Account" in the mobile application;
Through the Cyberplat system. For such a transfer, they will additionally request up to 1.5% of the amount to be transferred. If converted in rubles, then get ready to transfer at least 50 rubles.

It is most advantageous to pay directly through the bank's OTP ATMs, in which the commission for the service is 0% and funds can be credited not only to the recipient's account, but also to the contract number.

Also, you can repay the loan by interbank transfer, through Sberbank, Alfa Bank and Telebank. For these financial institutions, Internet payment systems Sberbank Online, Alfa Click have been created. Each bank sets its own fee for accepting and processing payments.

Cash payment

If you want to pay in cash, then contact the nearest OTP branch of the bank or find a self-service terminal. I will not take a commission for payment, and the funds will be transferred on the same day. And yet, you can find ATMs with the function of accepting cash (cash-in), which work without a commission, and the funds are credited according to the following scheme:

If you manage to deposit the amount before 17:00 of the current day, then the transfer takes place the next day;
If the amount is paid after 17:00, then the money will be credited to the account in a day.

Consider all the tips to avoid late monthly payments. Otherwise, the first negative entry will appear in your Credit History. The fact is that the credit file reflects all the nuances of cooperation between the bank and the borrower. If you make payments on time or close loans ahead of schedule, then these points are positively displayed in the questionnaire. But a delay in payment for at least a day leads to the appearance of negative records.

Such a dossier is available to all banks that have a state license to conduct financial activities. If the borrower is doing well and credit history positive, then you can count on the loyalty of banks in the issue of issuing loans. But, it will be much more difficult for owners of a negative dossier to re-apply for a loan. After all, such clients are included in the lists of unreliable and therefore undergo a special check or receive refusals to issue a loan.

You can also make a monthly payment on a loan in cash through the terminals of the Cyberplat system. In this case, the payment will be transferred to the bank the very next day;
Accepts cash transfers and MegaFon. Through this system pay more by 1% of the transfer amount. Money will fall into the credit account in a day;
If there are network hypermarkets of electronics "Eldorado", "MVideo", "Technosila" or "Domo" nearby, then you can pay the loan through their terminals. 1% of the transferred amount will be taken from the transfer - calculate the amount of the payment in advance;
On the same terms, Rostelecom and Unistream accept cash payment on a loan. Keep in mind that funds are received in a day and a commission is deducted.

Bank transfers

If the borrower has a salary, social or debit card at OTP Bank, then you can pay off the loan using this plastic. Also using debit cards, you can not only transfer, but also withdraw cash from your account, pay for online purchases. And after registering on the official website of the bank, you can replace inconvenient cash transactions with cashless payments.

Own funds- for most cards;
Overdraft - credit funds, exceeding the remainder of their own.

In the second case, the bank provides the cardholder with a small loan (overdraft), which is best used only in the most urgent cases. If a negative balance remains on the card, then the money must be returned within 30-60 days (individually in each case). The loan is most often given to salary cards where the limit can reach 2 monthly salaries. In general, the more salaries are transferred to the card, the higher the overdraft amount.

For cashless transfer you can apply to any bank. The processing of the operation will last 3-5 days, each financial institution charges the commission individually.

Another way to make monthly payments is to negotiate with the accounting department at the place of work. To do this, you need to write an application addressed to the chief accountant with a request for monthly transfers to OTP-Bank of the amount of funds to the specified account. In this way, the client will know that he will not allow delay and the required amount will be transferred to the account with a guarantee.

Online services of OTP Bank

The bank offers several online payment options:

1. Internet banking is a convenient tool for borrowers and debit card holders. Using this system, you can remotely perform various Bank operations, without leaving home. To do this, just register on the official website, and to enter your account, use the login and password specified in the loan agreement.

Connect the Internet banking service for free;
Independently control all operations on the card;
Make online payments for goods and services.

2. Another handy remote service is a mobile application from OTP Bank. The application is an analogue of a regular personal account, and with its help you can perform various financial transactions anywhere and at any time of the day. Using the product is absolutely free, you can install the application on a mobile phone running on devices running iOS and Android. To use the mobile application, you will also have to register using your personal login and password.

3. If the phone does not support the Internet function, then you can control the balance and card transactions using SMS banking. Choose the function "Credit", "Req", "Ball", "Help". Send an SMS to a number with one of the presented code words and control the terms of loan payment, check the correctness of the bank account, find out the balance, use the available functional queries.

The most popular payment method is Sberbank Online

Many Russians receive pensions and salaries through Sberbank. Therefore, questions are often asked about whether it is possible to transfer payment on a loan to OTP-Bank through this bank. Yes, there is such an opportunity and a transfer is made in the form of an auto payment, and for this you need:

Register in the Sberbank Online system;
Create " Personal Area»;
Create template.

In the template, you need to select the "Auto payment" option, and then specify the amount and term of the monthly transfer of funds to the bank's OTP credit account. You control that during the period of transferring the contribution on the card there is the necessary balance of funds.

Flaws:

The operation is being processed up to 5 working days;
A transfer fee of 1% is provided.

Fund transfer process:

Go to personal account"Sberbank Online" or in a mobile application;
On the main page, find the function "Transfer to account";
Next, click the section "To accounts of other banks";
A window will be displayed in which you need to specify all the payment details of the "OTP" of the bank and the personal data of the borrower;
Then enter the payment amount.

After processing the entered data, a mobile phone connected to the Sberbank website will receive an SMS message with a code that must be specified to complete the payment.

Requisites "OTP» Jar

Check if the name of the financial institution is correct. The documents say "OTP Bank". Check the data on the tax number (7708001614) and checkpoint (997950001). The organization opened an account with the State Bank of the Bank of Russia. Its number is 30101810000000000311. Organizations have been assigned the following codes FEA: 65.12, 67.13.