Interest on deposits for individuals in the bank otp. OTP bank deposits in OTP bank deposits for individuals
Why consumer loans from OTP Bank are popular today
In OTP Bank today you can get a consumer loan in the amount of up to 4 million rubles for up to 7 years. And this is without collateral. If you leave real estate as collateral to the bank, the amount can be much higher.
The minimum rate now is from 10.5% per annum.
In addition to low interest rate, the distinctive features of lending in OTP Bank can also be considered:
✓
Possibility to make loan payments at any time, both using bank card, as well as in cash.
✓ Customers receive qualified support through a 24/7 call center line.
✓ The ability to repay the loan at any time, without contacting the branch, using a computer or smartphone.
In this review, correspondents of the business information agency site will consider the features of consumer lending at OTP Bank and compare the conditions of various programs
Cash loans at OTP Bank: conditions and rates
Today, in OTP Bank, you can get money on bail and without guarantors.
OTP bank loan without collateral
Money is issued under the following conditions:
Amount: from 15,000 to 4 million rubles;
Term: from 12 to 84 months;
Security: not required;
Solution: 3 minutes.
Interest rate
from 10.5% per annum.
Who can get money
Citizenship: Russian;
Experience: at least 3 months at the current place of work.
What documents are needed for a loan
To receive money, you must provide a minimum package of documents that everyone has. But if you want to increase the amount or lower the interest rate, then it is better to confirm your income and employment. In general, the following package of documents is needed:
✓ Main
Passport of the Russian Federation;
TIN (if any);
SNILS (if available).
✓ Additional(for an amount over 300,000 rubles) to choose from:
Help 2-NDFL;
Statement of income in the form of a bank for 3 months;
An extract from a bank account in any bank confirming the transfer wages for 3 months;
Notification of the status of the individual personal account of the insured person, sent to the e-mail address of the bank from Personal account portal public services This email address is being protected from spambots. You must have JavaScript enabled to view. .
OTP bank loan secured
On the security of an apartment or house in OTP Bank, you can get a larger amount and for a long time. But the interest rate does not change. Funds are issued under the following conditions:
Amount: from 1 million to 10 million rubles;
Term: from 12 to 120 months;
Collateral: pledge of real estate.
Interest rate
from 10.5% per annum.
Who can apply for a loan
The requirements for borrowers from the bank are simple and clear:
Age: 21 to 69 years old at the time of incarceration loan agreement;
Citizenship: Russian;
Permanent registration: on the territory of the Russian Federation;
Experience: at least 3 months at the current place of work;
Income before tax not less than 70,000 rubles.
What documents are needed to receive money
To receive money on bail, you need to collect a fairly large package of documents. After all, documents for mortgaged real estate must be added to the usual set. So who is the general list, it also makes sense to divide it into two parts:
✓
For the borrower
Passport of the Russian Federation;
TIN (if any);
SNILS (if available);
Income statement.
✓ For bail
Extract from the USRN;
Documents confirming the registration of the right;
The document in accordance with which the state registration of property rights was carried out;
Report of an independent appraiser on the valuation of the subject of pledge;
Other.
A complete list of documents for bail will be individual for each case. Here are just some general ones to get you started. A complete list It is better to check with a bank employee.
Loan calculator: calculate payment
OPT Bank's online loan calculator will help you calculate the amount of the monthly payment and the amount of the overpayment, depending on the term and interest rate.
How to get a cash loan at OTP Bank
Design consumer credit OTP Bank today is quite simple.
1 Fill out an online application and wait for a call from a bank employee;
2 Collect a package of documents and get approval for your application;
3 Visit a bank branch and collect your money.
Question answer
Can individual entrepreneurs get a loan from OTP Bank
They can. Today this bank is one of the few where consumer loans are issued to individual entrepreneurs. But they are subject to slightly different requirements for borrowers, as well as a different package of documents for receiving money.
Requirements for borrowers - individual entrepreneurs
In principle, they differ only in the requirements for age and seniority:
Citizenship: Russian;
Permanent registration: on the territory of the Russian Federation;
Age: from 25 to 69 years old at the time of conclusion of the loan agreement;
Registration period as an individual entrepreneur: at least 12 months.
Documents for consumer credit for individual entrepreneurs
Individual entrepreneurs can also receive money only with a passport. But if the bank asks to confirm their employment, then individual entrepreneurs must provide:
Certificate of state registration SP / Record Sheet of the Unified state register IP.
Summing up
Credit programs of OTP Bank are designed for a wide range of clients. Both ordinary working individuals and pensioners can receive money, individual entrepreneurs, military men under the contract.
To obtain a loan, a minimum package of documents is required. A loan of up to 300,000 rubles can be obtained with a passport.
It is also important to note that in the requirements for the borrower, OTP Bank accurately indicates the maximum age for obtaining a loan - 69 years. This is not the age at the date of repayment of the loan, as they say in many other banks. This means that even at the age of 69, a pensioner can apply for a loan and his application will be considered on an equal basis with others. This is a very important feature.
Generally, customer credit in OTP Bank quite allows customers to quickly receive the necessary money on acceptable terms.
Contacts for information
About bank
OTP Bank (Russia) is a member of the international financial OTP Group (OTP Group), which is one of the market leaders financial services Central and Eastern Europe. OTP Bank is a universal credit organisation, which provides a wide range of banking services and products for corporate clients and individuals.
Telephone
General license of the Bank of Russia No. 2766.
The information is not a public offer and is presented for informational purposes only. Detailed conditions are set out in the loan agreement concluded between the client and the bank.
Deposits in OTP Bank will be attractive for average citizens with standard wishes, and for people who have large amounts of money on hand and want to profitably invest their capital without risks.
Types of OTP Bank deposits
OTP Bank expanded its deposit line in 2020 and can offer updated previously existing deposits and new products. In the bank OTP clients can immediately decide on the category of contribution. There are two of them and they are divided according to the minimum investment:
- Retail– deposits of this line are suitable for everyone individuals who have average earnings and are willing to invest only small amounts, approximately equal to their monthly income or slightly more.
- - Depositors who open deposits in this group expect a high income, but they must invest more - from one and a half million rubles, in order to receive good interest.
Each category contains its own banking products that differ in terms of investment. Interest on deposits at OTP Bank is set in an unusual way and may change during the validity period, which the depositor should pay closer attention to. Let us consider in more detail what deposit accounts OTP Bank has today and how they differ.
Retail
Each depositor chooses a deposit according to his strength, because he has not only advantages in the form of accrued interest, but also the conditions under which the bank will open an account in the name of the client.
Retail deposits have acceptable conditions regarding the maintenance of accounts and at the same time have good interest rates, which makes them attractive to potential depositors.
Protective
This is a special deposit from the entire line of deposits of OTP Bank, and its peculiarity lies in the possibility of receiving a gift. Under the gift, the bank means the purchase at a low price of certain products:
- Accident insurance.
- Property insurance policy.
- Legal advice and assistance of specialists.
The price of purchasing a gift will vary depending on the amount of the deposit, but approximately it is in the range of 250 - 1,500 rubles. More detailed conditions of the promotion are contained on the official website of OTP Bank, where information is constantly updated and corrected.
A protective deposit will bring a tangible income to a person, since there are high interest rates, but about them a little later, but for now about basic conditions:
- Opening an account is carried out for a period of 183 or 368 days.
- The depositor must deposit more than 10 thousand in national currency.
- The maximum balance is 10,000,000 rubles.
- Spending part of the contribution and making additional funds is not allowed.
- The bank pays the OTP interest to the client on the day the deposit is closed by adding it to the balance.
- Early termination of the contract entails a change in the interest rate to the rate "On Demand".
OTP Bank has a fundamentally different system for calculating interest income. The annual rate is not fixed and it changes constantly depending on the time the funds stay in the account. The depositor opens a deposit for a certain period, and in certain periods there are different interest rates:
| Contract duration (days) | Period for which the rate is charged (days) | |||
|---|---|---|---|---|
| 183 | 1 - 61 | 62 - 122 | 123 - 182 | |
| 9.0% | 6.4% | 3.2% | ||
| 368 | 1 - 92 | 93 - 184 | 185 - 276 | 277 - 367 |
| 9.0% | 6.3% | 5.1% | 4.0% | |
Double Benefit Plus
For those who purchase an investment insurance policy from Alfastrakhovanie-Life LLC, OTP Bank can offer a unique option - deposit with a high interest rate and convenient conditions:
- The depositor independently chooses the most comfortable period - 181 or 366 days.
- Sum down payment must be more than 50,000 rubles, but less (or equal) to the amount paid for the insurance policy.
- Action insurance policy must last throughout the entire period of keeping funds on the deposit, otherwise the bank will remove the interest rate under the agreement and charge 0.01%.
- The deposit must be opened within a month from the date of conclusion of the contract for the purchase of the ILI policy.
- If all conditions are met by the depositor, then OTP Bank accrues 8% per annum on the balance and pays them at the end of the term.
- It is prohibited to carry out various operations with the account.
The deposit is quite simple and, most importantly, profitable, and therefore those who have already purchased insurance should think about opening a deposit with OTP Bank.
Maximum
This deposit has very flexible conditions, which allows the depositor to choose a comfortable option for storing and increasing funds. A deposit is opened in rubles in the amount of more than 30 thousand. The deposit balance is not subject to change up or down during the entire validity period.
Interest rates at the deposit depend on the term and amount of the first installment:
| Initial payment (rubles) | Validity (days) | |||
|---|---|---|---|---|
| 91 | 181 | 275 | 366 | |
| 30 000 – 100 000 | 6.0% | 6.6% | 6.4% | 6.4% |
| 100 000 – 300 000 | 6.4% | 7.0% | 6.8% | 6.6% |
| 300 000 – 30 000 000 | 6.4% | 7.0% | 6.8% | 6.8% |
In case of early request of the deposit amount, the rate is calculated according to the terms of the “On Demand” account.
Cumulative
This contribution is significantly different from the previous ones at least the possibility of replenishment, which makes it more profitable. Clients do not always have a large amount for the first installment, but they want to save more and more from their salary, but they don’t want the money to gather dust at home until the next deposit is opened.
Everything is more convenient with the Savings Deposit - capital is constantly increasing due to the comfortable conditions of the deposit account:
- OTP Bank accepts investments in national currency and dollars.
- The maximum amount of the deposit cannot exceed ten times the amount of the initial contribution, and also it cannot cross the threshold of 10,000,000 rubles and 300,000 dollars.
- Shoot partially deposit funds it is forbidden.
- The client independently chooses one of the three terms for opening an account - 91, 181, 366 days.
- Interest is calculated at the end of the term.
- The "On Demand" rate is charged when early withdrawal funds.
The table below shows the rates depending on the terms and amounts of investment.
| Attachment size | Validity (days) | ||
|---|---|---|---|
| 91 | 181 | 366 | |
| Rubles | |||
| 15 000 – 100 000 | 5.3% | 5.9% | 5.7% |
| 100 000 – 300 000 | 5.7% | 6.3% | 5.9% |
| 300 000 – 10 000 000 | 5.7% | 6.3% | 6.1% |
| dollars | |||
| 300 and above | 0.3% | 0.9% | 1.2% |
pension
This deposit account for pensioners from OTP Bank has exactly the same conditions as the previous one. The only difference is that you can withdraw already accrued interest, because they are credited monthly (by capitalization or to another account).
There are also slightly different minimums for additional contributions- 1,000 rubles and 50 dollars, all other parameters in terms of amounts and terms completely coincide with the Cumulative deposit. For pensioners, an increased interest rate is provided, and therefore the deposit will have the following interest:
| Investment amount | |||
|---|---|---|---|
| 91 | 181 | 366 | |
| Rubles | |||
| 15 000 – 100 000 | 5.73%/ 5.7% | 6.18%/ 6.1% | 5.85%/ 5.7% |
| 100 000 – 300 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.06%/ 5.9% |
| 300 000 – 10 000 000 | 6.13%/ 6.1% | 6.59%/ 6.5% | 6.27%/ 6.1% |
| dollars | |||
| 300 and above | 0.3% | 0.7% | 0.85% |
Flexible
For many potential investors, the need for a non-refundable investment of funds becomes a big problem, and if even a part of the deposit is requested ahead of time, the interest rate is lost and the deposit becomes absolutely unprofitable.
The conditions of this deposit are really flexible, which gives a person the opportunity to freely dispose of personal funds:
- 15,000 rubles or $ 300 will be required for the minimum depositor to open.
- The maximum deposit amount cannot exceed ten times the initial contribution, and it cannot exceed the threshold of 10,000,000 rubles and 300,000 dollars.
- Replenishments are allowed within the maximum balance and the entire period, except for the last 30 days. If the depositor replenishes in cash, then the minimum contributions will be equal to 3,000 rubles and 100 dollars.
- At the time of opening a deposit, a minimum balance is set, while maintaining which the depositor can withdraw funds from the account, and the rate will not decrease.
- A deposit is opened for 181 or 366 days.
- The client receives interest income on a monthly basis by capitalization or crediting to a separate account.
Interest rates for the Flexible deposit from OTP Bank are as follows:
| Investment amount | Validity (days) and interest rates (with/without capitalization) | |
|---|---|---|
| 181 | 366 | |
| Rubles | ||
| 30 000 – 100 000 | 5.05%/ 5.0% | 4.91%/ 4.8% |
| 100 000 – 300 000 | 5.15%/ 5.1% | 5.01%/ 4.9% |
| 300 000 – 800 000 | 5.26%/ 5.2% | 5.12%/ 5.0% |
| 800 000 – 1 400 000 | 5.36%/ 5.3% | 5.22%/ 5.1% |
| 1 400 000 – 10 000 000 | 5.46%/ 5.4% | 5.43%/ 5.3% |
| dollars | ||
| From 300 | 0.5%/ 0.5% | 0.75%/ 0.75% |
Savings account
The savings account has no restrictions on the lower and upper limits of the balance, validity period, currency (but no interest is accrued on the euro at all), incoming and outgoing transactions.
OTP Bank charges an interest rate depending on the size of the balance:
Video
For those who want to get a good return on large investments without risk and in a short time, OTP Bank has developed and implemented two programs:
- Stable income.
- Freedom of control.
These deposits are intended only for large investors, but their conditions resemble several of the programs described above.
Stable income
By investing rubles or dollars on this deposit, a person will definitely receive a large profit from a fixed rate, and will also be able to capitalize interest on a monthly basis in order to increase the total amount of the deposit.
Other terms of the deposit agreement of the Stable Income program are:
- The amount of the contribution is 1.5 - 300 million rubles, 50 thousand - 6 million dollars.
- Replenishment of the account can be made within the first 30 days from the date of opening a deposit for amounts over 100,000 rubles and 5,000 dollars, but up to the maximum limit.
- Withdrawals are prohibited.
OTP Bank offers high interest rates to large depositors:
| Investment amount | Validity (days) and interest rates (with/without capitalization) | |||
|---|---|---|---|---|
| 181 | 366 | 549 | 732 | |
| 1.5 - 15 million rubles | 7.1%/ 7.0% | 7.01%/ 6.8% | 6.92%/ 6.6% | 6.7%/ 6.3% |
| 15 - 30 million rubles | 7.21%/ 7.1% | 7.12%/ 6.9% | 7.03%/ 6.7% | 6.81%/ 6.4% |
| More than 50 thousand dollars. | - | 1.51%/ 1.5% | 1.52%/ 1.5% | 1.52%/ 1.5% |
Early termination of a foreign currency deposit takes place at the “On Demand” rate. But for the ruble deposit, the conditions are different:
- If the deposit lasted less than 90 days, then the rate will be “On Demand”.
- If 91 - 180 days, then in the amount of ¼ of the established contract.
- If more than 181 days, then ½ of the established contract.
Freedom of control
This deposit has less limited access to funds:
- 1,500,000 rubles and 50,000 dollars are the amounts for the minimum down payment.
- As a maximum, no more than ten times the amount of the first installment can be stored on the account, provided that this amount does not exceed 150,000,000 rubles or 3,000,000 dollars.
- A deposit account is opened for one year.
- You can replenish your account for the entire period of time, except for last month and for amounts over 100,000 rubles and 5,000 dollars.
- While maintaining the minimum balance of the OTP, the bank allows expenditure operations.
- The terms of the agreement provide for monthly capitalization of interest or their transfer to an additional account - at the discretion of the depositor.
- Early withdrawal of capital at the rate "On Demand".
The interest on the Freedom of Management deposit is presented in the table below.
| Investment amount | Annual rate (with/without capitalization) |
|---|---|
| Rubles | |
| 1.5 - 7.5 million | 6.06%/ 5.9% |
| 7.5 - 15 million | 6.17%/ 6.0% |
| 15 - 30 million | 6.22%/ 6.05% |
| 30 - 150 million | 6.27%/ 6.1% |
dollars
| |
OTP Bank is another financial institution operating in Russia. The institution is one of the leaders in terms of the quality of services provided both in Russia and in Central and Eastern Europe.
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Deposits are made to both individuals and business clients. Consider the features of contributions to OTP, the procedure for their registration and calculation.
What does the bank offer
OTP deposits fall into two broad categories:
- retail;
- premium.
The first group of deposits is intended for ordinary citizens with average incomes. In other words, this is a classic line of deposits with small minimum amounts(from 15 thousand rubles) and flexible terms (from 3 months to 1 year).
The line of premium deposits is designed specifically for wealthy clients. The amounts are large - from 1.5 million rubles.
Deposits can be opened in two major world currencies - dollars and euros. Swiss francs are also represented as a currency on the Freedom of Management VIP deposit.
There are only 5 retail deposits:
- Cumulative;
- Retirement;
- Flexible;
- Savings account.
For wealthy citizens, two products are presented:
- Stable income;
- Freedom of control.
Conditions
Let us first analyze the conditions of retail deposits. So, in rubles, all presented ones can be opened.
In dollars, you can invest on deposits:
- Retirement;
- Savings account.
You can also open a savings account in European currency. In the line of retail deposits, there is no opportunity to invest in Swiss francs, but premium customers - please! At the same time, the interest rate will be extremely low - only 0.01% per year.
Comparative terms of retail deposits:
|
Product name |
Maximum | Cumulative | pension | Flexible |
Savings account |
| Sum | From 30 thousand | From 15 thousand | From 15 thousand | From 15 thousand | From 0 rubles |
| Term | From 3 months | From 3 months | From 3 months | From 6 months | From 1 year |
| Bid | 8 % | 7,3 % | 7,2 % | 6,49 % | 6,5 % |
| Interest payment procedure | At the end of the term | At the end of the term | Accrual - every month, and payment or capitalization - chooses a pensioner | Capitalization or payment every month - to choose from | Interest is calculated monthly |
Premium customers have access to two deposits under the following conditions:
|
Offer name |
Stable income |
Freedom of control |
| Sum | From 1.5 million rubles, or 50 thousand dollars, or 50 thousand euros | From 1.5 million rubles, 50 thousand dollars or euros, as well as from 50 thousand Swiss francs |
| Term | From 6 months | From 1 year |
| Bid | 8,7 % | 7,23 % |
| Replenishment | Allowed, but only in the first month after the date of opening the deposit | At any time, except for the last month of the deposit agreement |
| Partial Withdrawals | Is not allowed | Up to the minimum balance |
| Interest capitalization | Yes | Yes |
| Bonuses | Preferential conditions for early termination, as well as a gift is provided debit card MasterCard Gold | A debit card is provided as a gift. Master Card Gold |
Interest on deposits of individuals in 2020 at OTP Bank
Interest rates will depend on many factors. In particular, from the currency, if the terms of the deposit provide for the possibility of registration in several currencies.
For all deposits, the yield depends on the amount (or size of the minimum balance) and term. If the conditions provide for the capitalization of interest, then when choosing this accrual scheme, the yield will be higher.
Traditionally, the highest return will be if:
- invest in Russian rubles;
- for a period of approximately six months;
- a significant amount (about 1 million rubles);
- on the contribution that provides the least flexibility.
So in OTP - a contribution on which it is impossible to make incoming and outgoing transactions, this is the Maximum. On it, you can invest money only in rubles for periods from 3 months to 1 year in the amount of 30 thousand rubles.
The maximum rate of 8% will apply in this case:
Well, for those who prefer the freedom to manage high-yield savings, OTP Bank has provided a Flexible deposit with low interest rates, but at the same time, with great opportunities. The yield on the Flexible deposit ranges from 5.85 to 6.49% per year.
How to open
Deposits are opened at OTP Bank branches. To search for them on the bank's website there is a special service.
To use it, on the main page, select the region from the drop-down list, then click “Branches and ATMs”.
In the block to the left of the map, check the box next to “Departments and branches” and look at the offices either on the map or in the list below.
Before visiting the office, do not forget to take your national passport with you. You will also need to have the necessary amount of cash with you, which will need to be paid through the cashier. After the conclusion of the contract, the deposit will immediately begin to generate income.
How to calculate income
On the OTP Bank website, the deposit selection form and the calculation form are combined. Accordingly, this makes it possible to immediately select a deposit and find out what profitability awaits the investor on it.
You can find the selection and calculation form as follows:
- go to the OTP website;
- on the main page, click "Deposits and accounts";
- on the left will be the desired form for entering parameters.
To begin with, we determine what type of deposit you are interested in - retail or premium. We click on the corresponding tab and then select the currency - rubles, dollars, euros or francs.
Enter the desired deposit amount and term. If necessary, check the boxes “Withdrawals” and “Deposit replenishment” if you need a product with such options. If the “Deposit replenishment” option is selected, in the “Monthly replenishment” field, you can specify the amount that will be deposited every month.
- a list of deposits that meet the specified parameters;
- calculation (fields “Rate”, “In n-days I will receive” and “Of which interest”).
Calculation example:
- retail deposit;
- currency - rubles;
- amount - 100000;
- term - 366 days;
- with replenishment, but without withdrawal;
- monthly payments - 5000 rubles.
The calculator showed that the following deposits meet the specified requirements:
- Cumulative;
- Retirement;
- Flexible.
The results of the calculation show that the largest amount of interest will be paid on the Pension deposit - 8498.90 rubles.
Features of the contract
OTP Bank has developed forms of agreements for each deposit separately. However, they practically do not differ in structure.
You can download the standard form of the OTP contribution agreement.
The form of the document is standard and contains typical subsections:
- "Header" of the document, which indicates the parties (the name of the bank and the full name of the depositor);
- subject of the contract;
- rights and obligations of the parties;
- payment procedure;
- the validity of the contract;
- additional terms;
- addresses and details of the parties.
Deposits for legal entities
At the moment, OTP is ready to offer small businesses the only product for investing free funds - the Classic deposit.
The following conditions apply to this product:
| Condition | essence |
| Currency | Rubles, dollars, euros or francs |
| Min. deposit amount | 100 thousand rubles, or 10 thousand dollars, or 10 thousand euros, or 10 thousand francs |
| Max. sum | Not limited |
| Term of placement of funds | From 1 day to 2 years |
| Interest paid | At the end of the contract |
| Possibility of making additional payments | No |
| Partial Withdrawal | No |
| Termination of the contract ahead of schedule | It is possible, but the income will be accrued based on the interest rate applicable to the Demand deposit |
How to make a deposit for legal entities? Very simple! It is enough to follow these steps:
- fill out an online application form on the OTP website, or visit the nearest bank branch;
- provide to the employee legal entities, required package documentation (if the legal entity has not yet opened a current account);
- conclude a deposit agreement at any convenient time.
For medium or big business OTP also provides deposit products. The Bank has developed a special system rates and income instruments, which, in addition to deposits, also include bills.
OTP Bank offers the placement of term savings deposits in rubles or US dollars. There is a deposit program without the possibility of replenishment and withdrawal of funds in a partial volume with a growing rate. Higher interest rates are provided for under the comprehensive savings deposit program with the simultaneous execution of an investment insurance policy. The client can draw up a savings deposit in the national or foreign currency. Savings deposit can be opened within special offer for new clients. The Bank also provides an opportunity to place an expense-saving deposit; a program with special conditions operates for pensioners. A program of perpetual deposits has been developed, which can be opened in rubles, dollars or euros.
Features of deposits. When placing a deposit within TNA programs The bank client needs to pay attention to their following features:
- The client can draw up several deposits within the framework of one program of the Bank at the same time. However, their total sum should not exceed the value maximum amount established by the rules of the selected program;
- When making a deposit within the framework of some of the Bank's offers, the client can receive free insurance or a range of legal services as a gift; The size of the interest rate is affected by the parameters of the deposit - the term and amount, as well as the currency in which it is opened;
- Payment of accrued interest is carried out, depending on the chosen program, at a time at the end of the term or every month with the possibility of further capitalization or transfer of funds to a separate account;
- After the expiration of the deposit, its auto-prolongation is provided for under the terms of the primary contract;
- The client has the right to terminate the deposit agreement prematurely, while the accrued interest is recalculated in accordance with the rate of a termless deposit;
- In the branch of the Bank, the depositor can issue a power of attorney to carry out deposit management operations;
- Deposit placement is available to both citizens of the Russian Federation and citizens/subjects of any other state.
How to open a deposit? You can place a deposit in OTP Bank in the following ways:
- At a branch of the Bank. To conclude an agreement, the client needs to have a general civil passport of the Russian Federation or another identity document, for example, a temporary identity card of a citizen or a serviceman's certificate. Foreigners must submit to the Bank a national passport, a migration card and a document certifying the legality of their stay on the territory of the Russian Federation - a visa or residence permit;
- Remotely - using the Internet Bank. Available only to existing customers of the Bank. When making a deposit, new customers get access to remote service and can manage the deposit remotely.
Closing the deposit and withdrawing funds. On the last day of the deposit term, it can be closed at the request of the client. In doing so, the return full amount Money including accrued interest. If not claimed, the deposit is subject to auto-prolongation on the terms of the primary contract. If at the time of the expiration of the deposit, the program under which it was issued is no longer valid, auto-prolongation is carried out on the terms of a termless deposit. Early closure of the deposit is allowed, while the accrued interest is recalculated at the rate of a termless deposit.