OTP bank products. Press about us

OTP Bank- one of the largest retail banks. The bank belongs to the group of companies of the same name from Hungary. The main activities of the bank are: POS lending, credit cards, cash loans, as well as accepting deposits from the public. The bank issued its first loan in Russia back in 2003; the bank's financial rating is assessed as stable. The bank has a developed network of branches in Moscow, as well as in major cities of the country.

The personal account is the client’s control center for their financial assets. Login to the account is carried out remotely using a computer and login identifiers - login and password. A login and password for entering is usually issued to a client of a financial organization when opening a financial product at a bank: an account, deposit, loan or bank card.

To enter your personal account, you must go to the official website of the bank at https://www.otpbank.ru/ and in the upper right corner click the “Internet Banking” button. The system will redirect you to the login page to your personal account, where you must enter your username and password received during registration and click the “Login” button.

Login to login to OTP Bank- this is your contract number banking services or card number in 16 digit format. A temporary password for the first login to your personal account is sent to your phone via SMS.

If the data is entered correctly, the system will redirect you to home page personal OTP office Direct. We advise you to immediately change your temporary login password when logging into Internet Banking for the first time ( it is valid only for 3 months from the date of receipt of the SMS!) permanently for safety reasons.

Be careful when entering your username and password! The client is given three attempts to log into the Internet bank! After the 3rd unsuccessful login attempt, your login will be blocked and access can only be restored by telephone hotline or during a personal visit to a branch of a financial institution.

OTP Direct - convenient way remote management of your accounts and cards.

You will see a page with a user-friendly interface, where all functions are divided into tabs for convenience:

My products (your cards, loans, deposits and accounts)
Opening a deposit (opening a deposit online)
Special offers (personal offers from the bank)
Settings (personal account and account login security settings)

To connect your OTP Direct personal account, you need to become a client of the bank. To do this, you may have one of the banking products financial organization.

Registration of a personal account is carried out at any branch of OTP Bank. To do this, you need to write an application to connect to the Internet Banking service, present your passport to the bank employee and wait until you receive a sealed envelope with your login and password.

If you don’t remember whether you registered in the system or not, you can call the bank’s hotline 8-800-100-55-55 and find out if you have been assigned a login. The contact center employee will need to provide passport details and a code word (used when calling the contact center to identify the client).

If you are lucky, the operator will remind you of your login login, and the password will be sent via SMS to mobile phone specified in the banking service agreement.

There is no subscription fee for using the Internet Banking service.

If you are unable to log into your personal account, we advise you to check the correctness of the entered data: the reason may be an incorrect letter or number, keyboard layout, or the Caps Lock key pressed. After three unsuccessful login attempts, your account is blocked and you must use the password recovery function. To recover the password from your OTP Direct personal account, there are several solutions:

Restoring access by calling the bank's hotline 0707 ( the most convenient and fastest option)
Restoring access to a bank branch
Password recovery on the OTP Bank website ( the function does not work since September 14, 2018 )

Let's look at each of the listed methods in more detail.

Option 1. The password can be recovered by calling the bank’s special phone number 0707 : The contact center employee will need to provide your passport details, card number and code word. After checking the data and establishing your identity, a one-time password will be sent to your phone to log into the online banking system.

Option 2. The easiest way to get a new personal account password is a personal visit to OTP department Jar. You must have a passport of a citizen of the Russian Federation with you. Upon arrival at the branch, you must ask the employee to give you an application form to restore access to the OTP Direct Internet Banking service. Once your application is accepted, you will be given a new temporary login password.

Option 3 (not working method). Password recovery on the bank's website. To restore access to OTP system Direct, go to the login page to your personal account at https://direkt.otpbank.ru/ and click the "Forgot your password?" button. The system will redirect you to the access restoration page, where you must enter the code word and card number in 16-digit format. If you don’t have a card, then click on the link “Don’t have a card number?” to the right of the card image. and instead of her number, enter your full name, date of birth, series and passport number and press the “Continue” button.

If the data is entered correctly, a new one-time password will be sent to your mobile phone to log in via SMS within a few minutes.

Recover your password using any of the methods listed above that are convenient for you.

Mobile application OTP Bank

OTP Bank has a mobile version of its personal account - this is a mobile OTP application Direct. Applications replace all those familiar functions that are in personal account bank client. The mobile application is provided free of charge and is available for users of mobile devices based on iOS and Android.

To log into the mobile application, use the login and password received when registering the OTP Direct service. After logging into the application for the first time, you can set up subsequent logins using a 4-digit digital password.

The following features will be available to you in the mobile application:

Detailed information on your banking products, viewing account and card statements
Transfer money to another bank using free details
Bank transfer between your accounts or to the card of another bank client
Carrying out control over a credit card or loan: information on the amount of debt, the date of the next payment, a complete payment schedule
Blocking access to OTP Direct
Changing your login username and password
Changing SMS notification settings

For installation mobile application Go to your device's app store and enter "OTPDirect" in the search bar. The results should show a card with the bank's corporate logo and the name of the same name. To download it to your gadget, click the “Install” button and wait for the new icon to appear in the device menu.

You need to change the phone number that you indicated when concluding an agreement with OTP Bank and which is used for a) authorization when calling the bank, b) when authorizing in the OTP bank account, to a new one, because your number has changed. What will you do?
A) Try changing it via chat with the bank(as in Tinkoff) in the application(as in Alfabank, Raiffeisen Bank, Sberbank)? (not correct. Get the operator’s answer that “you can change your phone number during a personal visit to the bank, addresses and schedule of branches via the link” - go to ***).
b) Will you go to the bank branch, of which there are only 12 in the city, after the end of the working day (after 18:00) but before the branch closes (until 21:00), as indicated on the website? (not correct: there is no form, the application is accepted on your words, and the bank employee who can carry out the operation of changing the number works exclusively until 18:00, like all normal people who can just go to the bank after work).
V) Will you use alternative methods (there are none), call the call center?(wrong: alternative options no, but when you call the call center you will state your code word, passport details, date of birth, what color your panties are, when was the last time you ate and what, after that they will ask you about the purpose of your call and answer that they cannot help you, go to the bank branch).
G) You managed to complete the quest above, you somehow miraculously managed, as it seems to you, to change your phone number (let’s say you caught the clerk before 6 p.m.), waited 10 days allocated by the bank for this procedure, is everything okay now? (No, because when you call 0707, the bank’s IVR system recognizes your number, you are addressed by your first name and patronymic, but when you ask for a login and password for your personal account, they cannot give it to you, because the bank employee made a mistake and did not add (+) before the phone number, and they can only send the password if the phone number is specified correctly.) Wait 30 days.

How to change a phone number if, when entering it into the database, a bank employee made a mistake and forgot to add (+) before the number? that is, in the database it is written as 79991112233, but should be as +79991112233.
Options:
1. Contact the bank branch before it closes. and again hear that the employee who can do this works until 18:00, and you arrived at 18:01
2. Ask for an application form to leave it at the bank, and the employee who works until 18:00 added +? no - there is no form, although you clearly remember that when you changed your number for the first time, you filled out some kind of form.
3. Call the call center to ask to add + to the number through the operator on 0707? No, because You cannot contact the operator on this number, the maximum is to block the card.
4. log into your personal account and change the number yourself? No, what are you talking about - you don’t have a login and password for your personal account, because they can’t send it to your phone number.
5. Maybe the bank's technical employee needed to write a program so that it would be impossible to register a number in the wrong format? Pfff... what the fuck am I writing, it doesn’t happen.
6. When contacting an address [email protected] ask to add a plus sign to the number and log in to your personal account after 1 minute? Pfft... who needs this? You will receive a response that your request has been registered and wait 30 days.

The result is that no one can change the number, they cannot accept the application, the schedule is drawn up in such a way that not a single normal working person will get into the bank without damage to their work, there is no protection against basic errors when entering data, “you are a fool”!

OTP Bank 01/30/2020 6:35

Dear Vitaly,
Thanks for your feedback.

Thank you for your interest in our Bank's product.

To date, I have done work to correct the error that has arisen.
You previously registered a review https://www.site/services/responses/bank/response/10340653/ to which you were provided with a response after a full check.

On behalf of the Bank, I apologize to you for the inconvenience caused.

13.12.2016

OTP Bank expands its product line

- How the main financial indicators of the Don branch of OTP have changed this yearJar?

- OTP Bank as a whole for 9 months of 2016 significantly improved its business indicators, receiving net profit in the amount of 3.9 billion rubles (excluding the Touch Bank project) in accordance with IFRS, which is 7.1 billion rubles better than the result for the same period last year. This became possible due to the stabilization of the cost of risk at a low level, the growth of operating profit and the growth of issuance consumer loans and cash loans.

Based on the results of the first three quarters of this year, the income of the Rostovsky Branch joint stock company"OTP Bank" from transactional operations and sales of non-banking products increased by 31%. In the fourth quarter of 2016, the trend towards increasing income from this line of business will continue, says Branch Director Alexey Bobkin. According to him, already this year in the Rostov region OTP Bank can achieve its goal - to fully recoup the costs of maintaining the branch network through commission income.

- How the main financial indicators of the Don branch of OTP have changed this yearJar?

In general, OTP Bank significantly improved its business performance over the 9 months of 2016, receiving a net profit of 3.9 billion rubles (excluding the Touch Bank project) in accordance with IFRS, which is 7.1 billion rubles better than the result for the same period last year . This became possible due to stabilization of the cost of risk at a low level, growth in operating profits and growth in the issuance of consumer loans and cash loans.

As for the branch’s indicators, according to our forecasts, the volume of funds raised from the branch’s clients will remain at the 2015 level. As of October 1, their amount was more than 6.2 billion rubles, of which 5.6 billion were in the retail segment, the rest in legal entities. The pace of lending in the fourth quarter shows positive dynamics and is noticeably higher than the same period last year. If we talk about the corporate sector, then here loan portfolio grew by 87%. But I consider one of the most important achievements of the branch this year to be an increase in commission income for 9 months by 31% compared to the same period last year. I would like to note that we set a goal to recoup the operation of the branch network
It was through commission income that we came close to achieving it.

- By increasing sales of what services do you increase your commission income?

Part of it comes from transaction business, this is income from services settlement and cash services clients. In addition, this year we began to provide clients with a fairly extensive list of so-called stand-alone products that do not belong to traditional banking services and which we offer as part of affiliate programs with insurance companies, law firms, etc. Among them, in particular, is the “Save What’s Valuable!” service, which involves marking valuable items with special stickers or markers. They contain information about how you can return such an item to the owner who lost it 24 hours a day, 7 days a week for a fee. At the same time, the owner’s personal data remains confidential. Another example of a stand-alone product is “Multipolis”, which includes insurance of all types of property, civil liability, bank cards and funds in accounts, life and health, etc. A number of products include certain types of insurance: “Healthy Child” as financial assistance in case of accidents, “Protected Home” - insurance of the home and the property in it, “Family Happiness” - support in case of injury or death as a result of an accident. These products even have seasonal versions. For example, in the spring we offer insurance against tick bites, and in the cold season - monetary compensation when hospitalized with influenza. OTP Bank also offers a subscription for round-the-clock and year-round legal support in all 24 areas of law, including both consultations - oral, telephone, email or Skype - and the opportunity to entrust a lawyer with conducting negotiations on behalf of the client. In addition, we advise clients on translation issues pension savings and investing in reliable and profitable non-state pension funds.

- What banking services are available? this moment the most promising?

In retail, banks are now focusing on unsecured loans and credit cards. These products are of interest to the majority of the population, provide high margins and provide low risks due to portfolio differentiation. Credit cards are especially interesting because their capabilities are closely related to Internet technologies.

OTP Bank is no exception here - we have issued, one might say, a revolutionary credit card, which is actually a replacement non-targeted loan: there are no additional fees for it - neither for cash withdrawals nor for any other services. Therefore, unlike most similar products, it allows you to easily calculate monthly payment without contacting the bank's call center. However, cash loans addressed to loyal clients with good credit history(and not necessarily in our bank) and an extended package of documents, we also have - the base rate for them is competitive and attractive.

In the small and medium business segment, the most promising direction- package offers that include credit lines and overdrafts, online accounting support, legal advice, and all this - on flexible tariff terms.

- Many banks are now reporting a drop in customer interest in deposits due towith comparatively low rates on them. How does OTP Bank respond to these trends?

We noticed a decrease in demand for deposits and offered clients an alternative - the opportunity to invest in a policy investment insurance life. This is a joint product with AlfaStrakhovanie Life LLC. This service includes both classic life insurance and investment of funds, which is handled by Insurance Company. At the same time, the client can choose the direction for investment independently. The income here is higher than on deposits, and the return of funds is guaranteed.

reference Information

Registration number: 2766

Date of registration by the Bank of Russia: 28.03.1994

BIC: 044525311

Main state registration number: 1027739176563 (11.09.2002)

Authorized capital: RUB 2,797,887,853.10

License (date of issue/last replacement) Banks with a basic license are banks that have a license whose name contains the word “basic”. Other operating banks are banks with a universal license:
License to attract deposits and placement precious metals (27.11.2014)
General license to operate banking operations (27.11.2014)

Participation in the deposit insurance system: Yes

About OTP Bank

OTP Bank was founded in 1998 and today it is still a member OTP Group in Hungary. I must say that this group occupies a leading position in the market banking services Central and Eastern Europe, which is a fairly stable indicator. OTP Bank has been specializing in services provided to legal entities and individuals for more than 15 years, is a member of the Association of Russian Banks, a member of the compulsory insurance deposit and in terms of the volume of assets is classified as group 1. OTP Bank has the status of a universal credit organization, due to the fact that it offers all major financial services and products to its customers. Among these OTP services The bank is listed as individuals and small businesses, at retail outlets, opening accounts, renting safes, Money transfers, operations with plastic cards, modern remote maintenance.

OTP Bank has its own ATMs, branches and branches in 3,700 populated areas Russian Federation. This allows the bank to serve clients exclusively through its network. According to the latest information, OTP Bank's customer base is more than 3.9 million people.

OTP Bank issues loans in amounts up to half a million rubles, while 200,000 rubles you can get 75,000 rubles in 15 minutes. Fast application processing is combined with fairly high interest rates. The main requirements for the borrower are age from 21 years, Russian citizenship and permanent employment.

Basic conditions:

Loan amount from 15,000 to 1,000,000 rubles
For registration you only need a passport
Rate 11.5% – 19.9% for loan amount from 300,000 rubles
Rate 14.9% – 35.7% for loan amount up to 300,000 rubles

OTP Bank is a universal financial organization that provides individuals and corporate clients with a wide range of banking products and services. As of October 1, 2018 equity bank amounted to 32 billion rubles.

The mission of OTP Bank is to build long-term relationships based on mutual trust with partners and new clients, increase the financial literacy of the population by providing them with accessible and understandable products, as well as develop the banking services market to create more comfortable conditions that allow employees of the organization to grow professionally .

The bank’s vision is no less promising and is expressed in the desire to become a partner for clients that they can trust, to become one of the 20 largest banks in Russia, to develop further as a universal financial organization, showing an increase in profits and numbers individuals who constantly use the services of the bank.

Why choose OTP Bank?

To answer this question, it is enough to consider the advantages of this financial institution:

having its own service network (points consumer lending– 143,551, cash offices – 96, points customer service– 134, ATM network – 195 and terminals – 269);
presence in more than 3,700 settlements of the country and providing clients with a full range of services, despite the social status of a particular area.

The bank’s most popular financial products for private clients are issuing a cash loan for any purpose up to 4 million rubles, receiving credit card with grace period, the opportunity for pensioners to use borrowed funds and open a deposit at a favorable interest rate.

Except private OTP clients The Bank actively cooperates with representatives of small businesses, providing them with the following services - free opening and maintenance of current and special accounts, provision of Internet banking to inform clients regarding their financial transactions, online account reservation in 30 seconds and the ability to use a Premium account for free.