OTP clients Banks have the opportunity to make non-cash transactions through Internet banking, which can be used on a computer or mobile phone. In case you need to withdraw money from OTP cards Bank without commission, you can go to ATMs. In addition to devices that are installed in the compartment of the specified banking organization, it is also possible to use ATMs of partner banks.

Necessary conditions for withdrawing money from an OTP Bank card without commission

Take off cash from a card at an ATM without charging a commission fee, subject to certain conditions. To withdraw money, use any ATM that is in technically good condition and dispenses cash at the time of the transaction. Clients must comply with the restrictions and limits set by the issuing bank. They will be discussed below.

When used to remove credit cards Please note that there is a grace period during which no interest will accrue. There is no need to pay for opening and servicing the card; it is free.

Important! Please note that if you withdraw funds from a credit card, no commission will be charged, but the interest rate will be increased, which is specified in the relevant agreement. For this reason, using credit cards from OTP Bank is not entirely profitable.

In order to find out where there is an ATM where you can withdraw money without charging commissions, you can contact the official website of the banking organization. The portal displays a list of addresses of organizations where devices are installed.

Where can I withdraw funds?

When the card is a debit-credit card, it is possible to withdraw funds without commission, but this rule applies only to the clients’ own money. OTP partner banks include:

• Sberbank;
• Alfa Bank;
• MDM Bank;
• Raiffeisen;
• VTB and others.

An agreement has been concluded between banking organizations conducting joint activities, which reflects that if commission fees are charged, the self-service device must warn the client about this, and if necessary, he can refuse to complete the transaction. This rule refers to situations where:

• transfer from one card to another is carried out;
• funds are withdrawn, both in rubles and in the currency of a foreign state;
• some goods are purchased.

Before making a transaction, contact the bank branch through a personal visit or call hotline and check the current data on your card, including what the interest rate, commission and other conditions are.

In Ukraine, OTP Bank is a large organization and has a large number of partners. These include:

• BTA Bank;
• Diamantbank;
• Alfa Bank;
• Bank of Investments and Savings;
• Idea and others.

It is worth noting that it is possible to withdraw money without commission at the cash desk of a banking organization. You can contact any bank office that is closer to your home or place of work. When performing a transaction, you must have a document with you to establish your identity. IN otherwise You won't be able to withdraw money.

Restrictions and limits

The Bank has established certain restrictions and limits that apply to operations for withdrawing funds from plastic cards. It's worth noting that the terms and conditions vary depending on what type of card you use. Card MasterCard Standard is issued only to persons who, at the time of applying to the OTP, have reached the age of 18 to 25 years. You can withdraw up to fifty thousand rubles from plastic in one day, and up to 200 thousand rubles in a month.

If necessary, the card can be opened in foreign currency. You can withdraw 1,000 dollars or euros per day and 6.5 thousand monthly. You can withdraw up to 500 thousand rubles per month from a gold debit card, and up to 90 thousand rubles in one day.

What difficulties may arise

Difficulties in completing the transaction in question may be associated with the use of a credit card. The main point is to increase the interest rate, which is disadvantageous for the client. In this case, it is more profitable to pay a commission equal to 350 rubles than to use the product in the future for increased rate. When using debit cards, difficulties arise because withdrawals without additional fees occur only at OTP ATMs. However, they are not located everywhere.

Credit cards are one of the most popular products among Russians. And when it comes to choosing a lending bank, the borrower’s eyes simply run wild - a sea of ​​offers, and try to figure out which one is truly profitable.

In this article we will look at offers on credit cards from OTP Bank. If you are not yet familiar with this credit institution, then you will probably be interested in it. But first things first.

Main product line

OTP did not create a rich line of cards, trying to capture the imagination of an inexperienced client. On this moment Only 4 types are valid credit cards from OTP Bank, which the borrower can apply for:

• Visa Classic;
• MasterCard Standard;
• Visa Gold;
• MasterCard Gold.

As you can see, the main difference is only in the plastic status and limit line of credit provided to the client after verification of solvency.

Percentage per use borrowed money from an OTP bank credit card are market averages, and do not vary much, as, for example, in Russian Standard.

The most profitable offer from the bank are received by borrowers based on pre-approved applications (usually to those who previously took commodity or consumer loan, and successfully paid it off; or employees of companies that provide salary services).

There are three lending programs in total:

• with a minimum package of documents;
• With complete package documents;
• at the invitation of the bank.

The total cost of a loan under these programs is:

It is more profitable to pay with a credit card than to withdraw cash– in this case, the rate for the use of funds is significantly lower:

• for bank clients – 19.9% ​​per annum;
• for cards with a full package of documents – 24.9%;
• for cards with a minimum package – 29.9%.

Price annual maintenance is 1800 rubles for Gold category cards, and 600 rubles for classic cards.

FOR REFERENCE: The cost of a loan when withdrawing cash from an OTP Bank plastic credit card is calculated according to upper limit interest rate.

At initial registration OTP cards are usually provided by minimum credit limit– from 20,000 rubles. Later it can be increased at the initiative of the borrower or the lender himself.

The maximum amount of the credit line is 1,500,000 rubles. During initial registration, the limit for Standard category cards is 150,000 rubles, Gold category cards are 200,000 rubles.

How to get a credit card

For clients who have information in the system, it is possible to submit an application through Personal Area"OTP-Direct", or by calling the hotline.

After checking the information, the lender will make a decision on the application within 5 days and notify the client about it.

Persons who are not clients are offered two ways to obtain a credit card:

• submitting an application with the help of a contact center manager;
• filling out an application on the website.

Or, if the city has OTP branches, the application can be submitted at the branch. You will need to have a general passport and TIN (minimum set of documents) with you.

After production, the card will arrive at the branch of your choice, or will be sent by Russian Post to the address specified in the application form. Once received, the credit card must be activated within 60 days, and get a PIN code - you will need it to withdraw cash from ATMs.

On the pages of our website you will also find out! We’ll also tell you how to quickly get a credit card.

Conditions and requirements for the recipient

The bank is ready to consider applications from persons over 21 years of age who do not have... The main requirement for the borrower is to have a permanent job.

OTP carefully checks the employer Therefore, companies with low turnover or debt to the Federal Tax Service usually do not undergo security checks.

The absence of any credit history will also be a reason for refusing to issue a credit card.

However, within 4 months from the moment the client applies, they can reconsider their decision and issue a card with an individually calculated credit limit.

The minimum requirements for the borrower are:

• length of service at last place of work – from 6 months;
• normal employing organization (checked especially carefully!);
• age from 21 to 55 years for women, from 21 to 60 years for men;
• availability of a valid passport and TIN - for credit cards with a minimum package of documents;
• documents confirming employment and income - for a program with a full package of documents.

Review of the application may take from 5 to 10 working days(no one is in a particular hurry), and this applies to cards of any status. From time to time you need to call the contact center and clarify the information on your application.

Once approved, the credit card will be issued and handed over to the branch or sent by mail. In total, the procedure for obtaining a credit card from the moment of application to the moment of its activation can take up to a month.

How to receive and activate a card

In order to receive a card, you will need to go to the office with your passport, or pick it up at the post office(depending on the delivery method you choose). After this, the credit card must be activated. While the card is inactive, transactions cannot be made with it.

After receiving an OTP Bank credit card to activate it you need to call the help desk at 8-800-200-70-02, and following the operator’s instructions, activate it. You will then be prompted to create a PIN online.

The whole procedure takes no more than 5 minutes. Be sure to write down your PIN and keep it in a safe place. The activation procedure and obtaining a PIN code is completely free.

Grace period

OTP, like most banks, offers a grace period, during which you can use borrowed funds without interest.

But with one important limitation - it does not apply to operations to withdraw cash from the card, only for non-cash transactions.

Therefore, it is important to remember this nuance before withdrawing money from a credit card.

HELPFUL ADVICE: Save on withdrawals and take advantage grace period possible if you transfer funds from the card to online wallet.

Having written off money from there to debit card, you can use cash without losing the privileges of a grace period and without overpaying a large commission for withdrawing cash from an ATM.

The duration of the grace period is standard and is 55 days. The countdown starts from the moment you make your first purchase using the card.

You can find out about the validity period of the grace period and track all transactions in the OTP-Direct Internet bank, or using the mobile application.

How to use

The rules for using the card are simple and clear. You can use it to pay for purchases: in stores, or on websites on the Internet.

It’s up to you to decide whether to withdraw cash using the bank’s own ATMs or use it only for purchases, although, as already mentioned, the latter option is much more profitable for the borrower.

To pay with a credit card in a store, you just need to swipe it through the terminal cashless payment and enter your PIN code. The purchase amount will be immediately debited from your account, and you will receive an SMS notification about the debit transaction.

The card must be stored carefully without damaging the magnetic stripe. Because of this, it may stop working and you will need to order a reissue.

REMEMBER: The PIN code is stored separately and is not disclosed to unauthorized persons in order to avoid theft of funds from the account. Pay with a card only on trusted sites on the Internet, or create an electronic wallet specifically for such purchases. It can be topped up directly from your personal account on the bank’s website.

When you receive the card, you will be given instructions on how to use it., as well as information about tariffs and the full cost of service. Save these documents, they may be useful to you.

How to find out your balance

To find out the available balance on your card, you can use several methods:

• call the OTP contact center;
• request balance at ATM;
• use your personal account;
• install and use the OTP-Direct mobile application;
• use the SMS banking service.

If you live near an OTP office, you can get information from an employee upon presentation of your passport.

The simplest and convenient ways is an SMS service and mobile application. They allow you to constantly control your card transactions.

Debt payment and minimum payments

How to top up an OTP Bank credit card? There are many ways to pay off debt for clients - just choose the most convenient one and use it. You can pay off your credit card payment:

• in the Megafon salon;
• through systems money transfers;
• from a card of another banking institution;
• by writing an application to the accounting department at the place of work;
• by depositing money through Russian Post;
• through self-service terminals and ATMs;
• at the bank's cash desk (if there is a branch in your locality);
• With electronic wallet;
• in Svyaznoy, Euroset and at the checkout counters of a number of stores and communication shops - full list can be found on the website.

As you can see, with There will be no problems to pay on time. It is only important to know the amount of the minimum payment.

Here I would like to make an important clarification. Payments must be made in amounts exceeding minimum payment. The latter almost completely goes towards repaying the interest on the loan, and the principal debt is written off in tiny amounts.

The minimum payment amount is calculated based on the amount of your card debt, and changes monthly. The minimum amount required to pay off the debt is 5% of the amount spent. The exact amount of payment can be found out from the monthly invoice statement, or in your personal account on the bank’s website.

If you repay all used funds within 55 days from the date of the first transaction on the account, you will fall under the terms of the grace period.

IMPORTANT: If you missed making the minimum payment, or it was credited later than the date stipulated by the contract, then you will be charged a penalty - from 1000 rubles.

All about cash withdrawal

As with using any credit card (except, probably, Sberbank) withdrawing cash from an OTP Bank card will be unprofitable for the borrower. Why?

Firstly, there is no grace period when cashing out funds, during which you can repay the debt without interest.

Secondly, there are limits on withdrawals in the amount of 50,000 rubles per day. The percentage for withdrawal is 3.9% of the amount, the minimum is 290 rubles, it doesn’t matter - at OTP’s own ATM, or at a third-party one.

In addition, increased interest rate– its size can be viewed in the “Card Line” section.

The removal procedure itself is very simple. It will require a PIN code, which the borrower receives immediately after activating the card at the contact center.

The credit card is inserted into the ATM, the PIN code is entered and the required amount is selected for withdrawal. It is better to save transaction receipts.

How to close an account

After you decide to close your credit card, the question arises - how to do it correctly so as not to remain in debt to the bank?

We will describe the procedure for correctly closing an account.

To cancel your credit card, it is necessary to fully restore the credit limit. To clarify the current amount of debt, it is best to contact a bank branch with your passport.

You will then be required to deposit the required amount into your account through the bank's cash desk, and write two statements.

One is about refusal of service, the second is about closing a card account.

The bank manager will accept your applications, and will perform the account closure procedure in front of you. You should be given a notice accordingly. Save it.

Otherwise, you will need to contact the bank again to resolve the issue, or write a complaint to the Central Bank and Rospotrebnadzor.

For transfers between cards, payments utilities, repaying loan obligations, as well as paying for goods via the Internet, you can use Internet banking or a mobile application if you have a credit or debit card OTP Bank.

But there are different life situations when there is no cash or not enough money to buy a particular product, but there is some ATM nearby. Ideally, if this is “native” ATM equipment from OTP Bank. And if not? You don’t want to overpay the commission.

How to be

OTP Bank is part of the Hungarian OTP group financial organization with offices in Central and Eastern Europe, as well as the Eurozone Banking Association. It has its own 1,400 branches and 3,900 ATM devices.

It is difficult to install ATM equipment everywhere. Therefore, OLP and other institutions signed partnerships. This arrangement allows holders of plastic media, without additional commission, to be serviced by partners at preferential rates.

How to withdraw cash

You can withdraw cash from both debit and credit cards.

From debit plastic, like salary project, otp-bank allows you to withdraw cash without commission only at its cash points, as well as through ATMs. In all third-party ATMs, as well as cash pick-up points, the commission percentage depends on the salary card tariff.

By credit cards Recently, the situation has changed. Thanks to OTP monitoring, the Bank issues credit cards with favorable conditions in order to avoid paying commissions for cash withdrawals both through its own and third-party ATMs.

For example:

• Clear Card – credit card. Simple and clear. It provides the possibility of preferential cash withdrawal free of charge through third party bank omat.
• The “All at once” card is a debit-credit card. Withdrawing cash through any partner ATM without commissions, but only your own funds.
• It is profitable to take out a consumer loan in cash. This is a small percentage per annum and no commissions.

OTP Bank partners

Until 2016, there was an association of banks - ORS (United settlement system), which included organizations with 45 thousand ATMs. Otpbank was also a member of the OPC. Despite the fact that the OPC ceased to operate, contractual ties between the organizations remained.

The OPC was replaced by a new payment system, which again began to unite Russian organizations. To date, more than 100 institutions have joined this system. National system payment cards (NSCP) has developed profitable terms through ATM both for clients, cardholders, and ATM owners. The NSPK network includes partner banks of OTP Bank:

• Sberbank
• MDM Bank;
• Alfa Bank;
• Vanguard;
• Binbank;
• Bank Russia;
• RRDB;
• VTB 24;
• MTS-Bank;
• Raiffeisenbank;

The full list can be seen on the official website. The owner of an ATM or cash dispenser must now warn a third-party client that an additional commission will be charged if:

• Cash withdrawals, both in rubles and in foreign currency;
• Transferring from one plastic carrier to another;
• When purchasing certain products,

A third-party client has the right to refuse a transaction if the conditions are unfavorable for him.

The list of partners, office addresses, as well as the location of ATM equipment may change, as well as conditions, rates, interest and commissions. Therefore, you need to contact the institution’s branch for more detailed information on the type of your payment card.

Partner stores

At the checkout, the buyer sees only one terminal, and it services all payment cards. This is because the stores are also partners with banks.

Just a few years ago, it was wild for shoppers to pay at checkouts with anything other than cash. Now everything has changed. Because even a schoolchild can have a limited payment card.

Partner stores also benefit from such partnerships. Attracting customers to pay for purchases with payment cards, OTP Bank provides a variety of bonus programs. This can be as low as 1% or as high as 20-30% return of funds to the cardholder’s bonus account, gifts and discounts.

Network "ATMoSphere"

In Ukraine, OTP Bank is one of the ten largest and is a member of the ATMoSphere united banking network for servicing Visa cards, MasterCard. Serves more than 3 thousand ATMs throughout the country. What banks OTP partners Bank in Ukraine:

• Diamantbank;
• BTA Bank;
• Alfa Bank;
• PRAVEXBANK;
• Ukrainian capital;
• VES;
• DIVI BANK;
• BM Bank;
• Bank of Investments and Savings;
• Piraeus Bank MKB;
• Idea;
• Pivdenny;
• Prominvestbank;
• Platinum;
• Mikhailovsky;
• Credit Agricole;
• Wernum.

ATMs and terminals allow you to withdraw cash, deposit funds into a card account or pay a loan, having in hand plastic card OTP Bank. But in order not to overpay, bank payment or it is better to withdraw cash at its branch, or using ATM equipment of partners. Then the commission amount will be according to the conditions and tariffs of OTP Bank.

OTP Group is a well-known banking group, whose headquarters are located in the capital of Hungary, Budapest. 2019 marks seventy years since the opening of the first branch of the group’s bank. Today OTP Bank has commission-free ATM partners in nine European countries. The Hungarian banking group has earned a reputation as a reputable financial institution. Varied Financial services are provided to corporative clients, legal entities and individuals.

History of the creation of OTR-group

OTP-bank carried out its first financial transactions in Hungary on March 1, 1949. Since then, the banking group has become the largest financial institution with an extensive network of subsidiaries in Hungary and eight other countries in Central and Eastern Europe. Until 1990, the bank operated as a national savings financial institution. For another five years the bank operated as a public company. Privatization was carried out in 1995. From that moment the OTP group began international development, opening affiliated companies and branches outside Hungary.

More than a quarter of the total volume of the Hungarian financial and banking services- these are banking institutions OTP groups. In 1,400 Hungarian branches and branches, subsidiary banks of the group in the following countries of central Europe:

1. Bulgaria.
2. Romania.
3. Serbia.
4. Slovakia.
5. Croatia.
6. Montenegro.

In Eastern Europe, the group's subsidiary banks carry out financial activities in Russia and Ukraine. The total number of employees working in OTP institutions is over twenty thousand. Foreign investors own more than 57% of the group's shares. The group's shares are traded on SEAQ International London. Audit support for the banking group is provided by Deloitte. In October 2014, EBA and ERU conducted stress tests for the largest banking groups in the eurozone. OTR Bank successfully passed the tests and continues its financial activities as part of the Association of Banks of Central and Eastern Europe (BACEE). The number of clients of the banking group is more than thirteen million.

OTP Bank has partners not only in Russia, but also in Europe

OTP Bank partners in Russia

Before we talk about which banks OTP Bank cooperates with, let us remind you that the subsidiary banks of the OTP group operate in Russian Federation and in Ukraine. Cardholders can use the services of 3,900 ATMs. With their help, you can carry out any financial transactions with bank cards, issued by OTP Bank. Their list is established by an agreement between the bank branch and the cardholder. You can withdraw cash without commission using OTP debit or credit cards through points of issue and network ATM ATMs.

Bank branches are located in 138 populated areas Russian Federation.

The Russian National System is in effect payment cards(NSPK) is the successor to ORS. The network includes banking institutions that have entered into partnership agreements with OTP Bank:

1. Sberbank.
2. MDM Bank.
3. Alfa Bank.
4. Vanguard.
5. BIN Bank.
6. Bank Russia.
7. RRDB.
8. VTB 24.
9. MTS-Bank.
10. Raiffeisenbank.

Each ATM ATM must provide the client with information about tariffs for cash transactions.

OTP Bank conducts constant monitoring and tries to improve the conditions for servicing credit cards in its own ATM ATMs and devices of other banks. Two types of credit cards issued by bank institutions allow you to withdraw money without commission:

• Clear Card– a credit card with the possibility of interest-free cash withdrawals through ATMs of partner banks;
• "All at once"– complex credit debit card allows you to withdraw cash without commission using your own funds.

OTP Bank has 2 credit card products that allow you to withdraw cash without interest

How to withdraw cash from Ukrainian partner banks

The OTP group's subsidiary bank, OTP Ukraine, has branches in 22 locations. Since 2005, the unified network of ATMs "ATMoSphere" has been operating. In May 2016, due to financial difficulties, the network operating agreement was suspended, but a few months later, part banking institutions returned to the idea of ​​​​the need to continue providing popular services. Settlement bank UkrGasBank became the updated Ukrainian ATMoSphere network. A list of ATMs is available on the bank’s website through which you can carry out transactions with bank cards without charging a commission.

In order to know where to withdraw money without commission, you need to study the list of banks that have signed the new agreement:

1. Bank Credit Agricole.
2. Pravex-bank.
3. Bank Pivdenny.
4. OTP bank.
5. BTA Bank.
6. Idea bank.
7. Platinum Bank.
8. Investment and Savings Bank.
9. V S Bank.

The number of ATM ATMs in Ukraine for carrying out operations to withdraw cash from Visa International and MasterCard WorldWide cards of OTP Bank is more than 3.2 thousand. In addition, through the devices of partner banks, you can top up cards through the City24 network.

Modern Internet service

The successfully developing financial company OTP-group invests significant funds to develop a modern banking system. As of 2017, 40 million euros were invested in the project of the retail online bank Touch Bank, operating under the license of OTP Bank, with headquarters in Moscow. Services are provided 24 hours a day through mobile devices communications. The highlight of the innovation is that the bank does not have the usual network of branches. This is a virtual platform that provides financial services to clients around the world around the clock.

OTP Bank issues cards with PayWave and PayPass contactless payment systems

To receive services, it is enough to go through the usual registration procedure and enter into the system data on active OTP Bank cards of the Visa and MasterCard systems. After this, all financial services become available to the client through his personal account:

• Internet banking;
• cash withdrawal;
• card replenishment;
• transfer to salary card;
• making online purchases;
• receiving bonuses;
• online order for opening cards;
• participation in bank shares.

Touch Bank cards are produced using advanced digital technologies Visa PayWave and Mastercard PayPass. With their help, you can perform financial transactions with one touch. If there is a contactless payment device, the cardholder only needs to touch the card to the reader head, and the payment will be made instantly. When making purchases worth up to 1000 rubles, there is no need to enter any card information.

The process of withdrawing cash is just as convenient anywhere in the world where there is an ATM that accepts Visa and MasterCard payment systems.

Card withdrawal fee own funds not charged. If funds are withdrawn from the credit limit, the commission amount is 4% + 299 rubles.

Issuance of funds is available in Russian rubles. Funds in an account opened in currencies other than rubles are converted to a ruble account at the bank’s exchange rate. When withdrawing funds from ATMs of third-party banks without commission, two restrictions apply:

1. If the cash withdrawal limit is exceeded, a commission is charged from the amount of such excess according to the bank's tariffs.
2. When withdrawing personal loan funds from third party ATMs financial institutions no fee will be charged until 15 days after the date of issue.

With an OTP card, the whole world is in your pocket

Various plastic cards OTP-Bank issues Visa and MasterCard payment systems to its clients in Russia, Ukraine and seven other countries of Central and Eastern Europe. An extensive network of branches and offices, a large number of OTP’s own ATM ATMs and devices of partner banks, instant Internet banking allow you to withdraw cash without charging a commission. Numerous awards, bonuses and nominations of the banking group in financial ratings & awards are the key to the bank’s successful activities with clients in all areas.

Did you know that you can use credit funds without paying interest? Below we will describe in detail how this can be done.

Activate your card for free now, even if you do not need a loan. As long as you don't use the card, you don't pay anything - no fees, no interest. But when you need money, you can get it at any time!

INTRODUCING THE MAP

How and why to activate the card?

For security reasons, your card has not yet been activated - you cannot make purchases with it. Call 8-800-200-70-02 (toll-free within Russia) and follow the operator's instructions - your credit card will be activated, after which you will be asked to create a PIN code. Activating the card is free - no interest is charged and no fees are charged if you do not use credit funds.

8-800-200-70-02

free card activation

How to get a PIN code?

Immediately after activating the card by phone, stay on the line; you will be asked to come up with your PIN code or create it automatically. A PIN is needed to confirm some card transactions, such as cash withdrawals from ATMs. You can also receive a PIN code later by calling 8-800-200-70-01 (calls within Russia are free).

8-800-200-70-01

free PIN code creation

What information is on the map?

• Card number
• Card expiry date. You can pay with the card until the end of its validity period (until the last day of the month and year indicated on it). Upon expiration, the card may be reissued.
• Cardholder's first and last name
• Logo payment system
• Magnetic strip. Protect from damage and demagnetization!
• Place for the card holder's signature. Place your signature here - without it the card is invalid!
• CVC code (CVV code) is a three-digit payment confirmation code. Used as a security element when paying via the Internet, by mail or by telephone.

How to pay by card in a store or online?

When paying by card, the buyer is not charged a commission - the exact amount of the check is debited from the card. Payment cards VISA systems and MasterCard are accepted worldwide. It is more profitable to pay by card rather than withdraw cash - the interest on the loan will be lower. And for non-cash purchases there is a grace period of up to 55 days, when no interest is charged on the loan.

Payment by card in a store, hotel, gas station, etc.

You will need to give the card to the cashier or swipe it through the payment terminal yourself. The terminal may request a PIN code. It will take less than a minute and you won't have to count down. the required amount and wait for change!

Payment by card in a cafe or restaurant

If the cafe accepts cards, then after receiving the bill you simply give the card to the waiter and he will carry out the transaction. You may also need to confirm it with a PIN code.

Payment by card on the Internet

In a special payment form on the site where you buy the goods, you need to enter your card details:

The amount indicated by the site will be written off. Be careful when paying by card online!

How to withdraw cash?

There are two ways to withdraw cash:

1. At any ATM (in Russia and abroad) where you will see the VISA or MasterCard logo. To withdraw cash from an ATM, you must enter a PIN code.
2. At bank cash desks. You will need to have your card and passport with you.

When withdrawing cash, a commission is charged - see its amount in OTP tariffs Bank for servicing individuals. Also, a third-party bank, for example, abroad, may also commission a commission when cashing out funds. It’s also worth asking about this in advance at the bank where you plan to withdraw money.

The grace period does not apply to cash withdrawals.

How can I find out the amount of debt, the date of making the minimum payment and the end of the grace period? How can I view card transactions?

Our online banking, mobile banking and SMS banking are at your service. You can read more about them in the “Online Services” section.

	Internet bank "OTPdirect" When you applied for a loan, you received a login and password to log into the Internet bank. If you don’t remember them or can’t find them, call the bank’s help desk at 8-800-200-70-01 to restore access.
	Mobile bank "OTPdirect" Install the free app on your smartphone or tablet. Available in AppStore and GooglePlay. Login and password, as in online banking.
	SMS-bank Send an SMS with the command text to the short number 5927: LIST: latest card transactions MAP: minimum payment amount, payment date, amount and end date of the grace period on your credit card REQ: find out your details HELP: get a list of additional commands The SMS notification service must be activated in advance.
	Bank help desk Free 24-hour number: 8-800-200-70-01.
	Monthly invoice statement Sent free to your email address (e-mail). It can also be sent by Russian Post to your place of residence. A separate fee may apply for this. To receive a free statement by e-mail, please provide your e-mail by calling 8-800-200-70-01.
	OTP department Jar To obtain information, you will need your passport.

IMPORTANT INFORMATION

What is a credit limit? What is my limit?

The credit limit is maximum amount, which the bank can give you on credit. You pay by card and make purchases using your credit limit. As the money spent and accrued interest are returned to the bank, your credit limit is restored and you can spend the funds again.

You can find out your credit limit, how much of it you have used and how much now, in the Internet bank, in mobile application"OTPdirect" or by toll free number help desk: 8-800-200-70-01.

pdf Terms and conditions for credit cards

What is interest on cash withdrawals and non-cash transactions? How is it calculated?

The main purpose of a credit card is cashless payment for purchases and services. That is, this is payment for goods and services with a credit card, not cash. However, you can withdraw funds from your credit card at ATMs of any banks that accept VISA/MasterCard. Remember that the interest on the loan when withdrawing cash from the card is usually higher than the interest accrued when non-cash payment. In addition, a fee may apply when withdrawing funds from the card.

Important nuance: When you pay with a credit card, you can enjoy a grace period of 55 days and not pay interest to the bank, and the grace period does not apply to cash withdrawals.

You can find out the amount of accrued interest and fees charged in the tariffs for your card, as well as in OTP Bank’s tariffs for servicing individuals.

What is the grace period of the loan?

OTP Bank credit cards have a grace period of up to 55 days. If you repay the debt before the end of the grace period, the bank will not charge interest on the loan for purchases paid with the card. To take advantage of the grace period, follow a simple procedure:

1. Make cashless purchases using your card
2. Receive an invoice statement or go to OTPdirect
3. Deposit the entire amount indicated in the “Graceful period of lending” section before the date indicated there
4. Don't pay interest on your loan!

The grace period is valid only for non-cash purchases, i.e. paid by card in shops, restaurants, etc. The grace period does not apply to other transactions, including cash withdrawals.

What is the minimum payment?

The monthly minimum payment is the minimum amount required to pay off the loan if you have credit card debt. You can repay the loan by depositing minimum payments or a larger amount at your discretion. The payment amount in rubles changes every month depending on the amount full debt. How the minimum payment is calculated is specified in your rates. You can choose whether to use the grace period or pay off the debt in installments.

LOAN REPAYMENT

How and how much should I pay?

If you have not used the card yet (i.e. you have no debt), then you will not have any obligations to the bank. There are no fees for using the card or SMS notifications.

If you have already used credit funds, you will need to repay the debt in a timely manner:

• make payments no less than the minimum. The exact payment amount will be indicated on your invoice statement each month.
• The money must be in your account no later than the date established by the statement.

If you have questions about the repayment procedure, call the help desk and bank employees will tell you everything in detail.