I give my consent to OTP Bank JSC (125171, Moscow, Leningradskoye shosse, 16A, building 1) for processing (collection, systematization, accumulation, storage, clarification (updating, changing), use, distribution (including including transfer), depersonalization, blocking, destruction) of my personal data, including last name, first name, patronymic, details of an identity document, as well as other information related to me in order to consider this request and provide a response to it.

I am notified that the storage of a message containing my personal data will be carried out within 1 year from the date of its sending.

FAQ

Credit cards

• How to activate the card?

  Did you receive the card by mail or by courier?

  • To activate the card, you will only need to call the Bank at tel. 8-800-200-70-01 or Skype () and tell the employee about your desire.

  The procedure will not take long. You will need to answer a few questions, after which, in case of a positive decision, the card will be activated

  You can use it no later than the next business day.

  Did you receive the card at the branch?

  • In this case, the card is issued already activated.
• What should I do if I have lost or forgotten my PIN?

  Can I use the card immediately after activation?

  If you received a card without a PIN code, then after activation within two weeks it will be sent to you by mail, but for now you can get money at bank cash desks by presenting your card and passport.

• Can I use the card immediately after activation?

  Was the card issued at a bank branch?

  • In this case, contact the branch to reissue the card with a new PIN code.

  Office addresses and hours of operation can be found on our website:

  Was the card received by mail or by courier?

  • Order a card reissue by calling the bank at tel. 8-800-200-70-01.
• My card has expired, how do I get a new one?

  After the expiration of the card, it is no longer possible to use it again, but if you still have an outstanding debt, you can continue to pay the loan, as before any convenient way, except for ATMs: .

  If you received the card by mail or by courier, then order a reissue by calling the Bank's contact center at tel. 8-800-200-70-01 or Skype ().

  If the card was issued at a branch of the Bank, then contact the service department to write an application for reissuance.

• How to control your card account?
  • call the bank's contact center at tel. 8-800-200-70-01 to get expert advice, or use the autoinformer (IVR) service. To do this, put your phone in tone mode and follow the voice prompts.
  • write an email to .
  • contact via Skype ()

• The telecode is your personal number for entering the automatic banking system.

  A telecode is needed when using an autoinformer when calling the bank by phone.

• What's happened credit limit cards?

  The credit limit is the amount that the bank gives you for long-term use.

  For a certain time (during the validity of the card) you can "borrow" this money, return it back to the card and use it again.

• Are there limits on the credit limit?

  Yes, I have. The Bank individually sets the credit limit for the client's card after evaluating the client's data specified in the questionnaire.

• Can I change the credit limit on my card?
• How can I find out what conditions apply to the card?

  You can view detailed information about the conditions for using the card in the accompanying documents received with the card (tariff, booklets) by calling the bank at tel. 8-800-200-70-01 or Skype (). by sending an email to .

• How to pay for a credit card?

  After you use the credit money, they will need to be returned back to the card. Depending on the tariff (you can check it on the website:) the bank sets a certain amount of the monthly minimum payment. It will be enough to pay off interest and fees for using the loan within a month, and pay part of the amount spent.
  You can also deposit any amount more than minimum payment up to the full repayment of the loan. Upper border does not exist for the payment amount.

• What is the minimum payment?

  The minimum payment is the amount of money that you need to deposit every month in order to pay interest and fees for using the loan and repay part of the amount spent.
  The amount of the minimum payment depends on the conditions of the tariff. You can find out what the minimum payment for your card is from the tariff received with the card, or by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype ()., by sending an email to .

• • Until the next repayment date, along with the next payment, you must pay the missed payments, as well as fines (if any have been accrued). You can find out the amount of payment by tel. 8-800-200-70-01, via Skype () or by sending an electronic appeal in the feedback form on the bank's website:.
• What fees apply for using the card?

  When using a credit card, you need to return the amount of money spent, along with interest and additional fees, which are provided for by the tariff.

  Additional fees may include:

  SMS informing fee 59 rub. - charged monthly until you repay the loan in full.

  The service fee for a card received at a bank branch is paid once a year, the amount of the fee depends on the type of card.

  The service fee for a card received by mail or by courier is paid once a month in the amount of 99 rubles.

  Check your settings tariff plan You can on the bank's website:

• Is it possible to pay for the card with payments more than the minimum payment?

  Yes, every month you can make a payment to the card, unlimitedly exceeding the minimum, up to the full repayment of the debt. At the same time, you will repay the loan faster and pay less interest.
  After all, interest is charged every day on the balance of the debt, therefore, the less the debt remains, the less interest is charged on this amount.

• Can the card be used abroad?

  Of course you can. OTP Bank international card payment system VISA or MasterCard You can pay for goods and services in any trade organizations around the world that accept plastic cards for payment, or receive money in cash at ATMs of any banks.

• What is a grace period?

  The grace period (aka GRACE-period), as one of the most significant advantages of your card, gives you the opportunity to use a loan and not overpay interest for it.
  Preferential conditions apply only to non-cash purchases.
  In order to take advantage of the terms grace period, before the date of its completion, you must pay the entire amount of the debt. In this case, no interest will be accrued on purchases made during the grace period.

• What date does the grace period start?

  From the date of activation of the card, settlement periods of exactly 30 calendar days are calculated, during which it is necessary to pay minimum payments if you do not plan to pay off the debt immediately.
  And the start date of the grace period is the same as the start date of the billing period each month.
  The duration of the grace period is 55 calendar days.
  You can find out the start and end dates of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype ()., by sending an email to .

• How does the grace period work?

  From the date of activation of the card, billing periods of exactly 30 calendar days are calculated.
  On the last day of each billing period, the bank generates a card account statement, which it sends to you by mail.
  This statement contains the amount of the full debt, taking into account all your expenses and payments made for the expired billing period(month). In order to take advantage of the terms of the grace period, you need to pay the amount of the full debt calculated on the date the statement was generated before the date of its expiration.

  Let's take an example.
  You activated the card on January 01.
  During the month you pay by card for purchases.
  On January 30, the bank generates a statement with the amount of the full debt at the end of the month.
  Within the next 25 days you need to repay the amount of the full debt.
  If these conditions are met, interest on all purchases for the past month will not be accrued.

  If, in addition to non-cash purchases, you also withdraw money from the card during the month, then preferential terms continue to be valid for purchases, but it will be necessary to pay additional interest that was accrued on the amount of cash withdrawn.

  You can find out the start and end dates of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype ()., by sending an email to .

• How to get a card statement?

  To obtain an account statement for the period of interest, you can contact any representative office of the Bank, the addresses of the offices are on the website:.

• Can the card be reused?

  The card can be used an unlimited number of times during its entire validity period.
  You can check the validity period on the front side of the card (in the center, under the card number in month/year format).
  The available balance of the card will increase with each of your payments, and after the full repayment of the debt, the credit limit will be restored to its original value.
  If the credit limit is completely exhausted, then the available funds will appear only after you make the next payment.

• How to close a card account?

  In order to close a card account, you need to contact the bank office:, and write a corresponding application.
  A prerequisite for accepting an application for execution is full repayment loan. If your own funds remain on the card, then in the application you will additionally need to indicate the account number to which you instruct the bank to transfer your money.
  The term for execution of the application from the moment of its receipt by the bank is up to forty calendar days.

Loans in stores

• What's happened consumer credit?
• General terms issuing a loan?

  A loan can be issued for any of existing programs lending.
  Minimum amount credit: 3,000 rubles. (depending on the promotion, the amount can be reduced to 2000 rubles);
  Maximum amount credit: up to 600,000 rubles (depending on the promotion and the region);
  Loan term from 3 to 36 months;
  Loan rate: from 14.7%
  Down payment: from 0% to 99%
  Monthly commission: from 0%
  Early redemption: FREE
  Loan currency - rubles.
  For more information on what lending programs are available in your area, you can find out from our Agents in the store.

• How to get a consumer loan?

  You need to contact an OTP Bank employee at a partner store, choose the most suitable loan conditions for you and fill out an application for a loan.
  The decision on the possibility of granting you a loan and its amount will be made within five minutes.
  In case of a positive decision, you will need to sign documents and receive a payment schedule with receipts for payment.

• What are the requirements for a client to receive a consumer loan?
  • Citizenship of the Russian Federation;
  • Permanent registration and actual residence in any of the regions where there is a credit and cash office of the bank (addresses can be found on the website:);
  • >Age at the time of applying for a loan - from 21 to 69 years inclusive.

  You can get information about the conditions for loans in your region from an OTP Bank employee in a partner store.

• In which stores can I get a consumer OTP loan Jar?

  You can get a loan at any partner store of the bank, if it is located in the region of your permanent registration and actual residence. You can check the addresses of stores at the credit and cash office of OTP Bank in your region. Contact numbers phone numbers are on the website: .

• Is it necessary to insure a loan?

  When applying for a loan, your desire to insure the loan or refuse this service does not affect the decision of the bank. The decision is made by the bank on the basis of verification of the data specified by you in the questionnaire.
  For consumer loans, you may be offered life and health insurance programs, as well as insurance in the event of a job loss. For more information on their terms and conditions, please visit:

• Is it possible to repay the loan ahead of schedule?

  Of course you can. Early repayment of the loan is possible at any time.
  You will save your own funds, because you will not have to pay interest for all subsequent months of using the loan.
  To do this, you must pay the amount of the full debt before the next repayment date.
  Find out the amount for early repayment you can from the payment schedule or by contacting the bank:

  • call tel. 8-800-200-70-05 to get expert advice, or use the autoinformer (IVR) service. To do this, put your phone in tone mode and follow the voice prompts.
  • get an "Express Statement" for the loan:
  • find out the amount of the debt through the Internet bank "OTPdirect" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs are on the website:);
  • contact Skype ().
• Is it possible to pay off a loan with payments greater than the minimum?

  If more money is received than the amount of the required payment, only the amount equal to the payment from the schedule will be debited from your account on the maturity date.
  The remaining funds will be credited only on the date of payment of the next payment.
  Accordingly, next month it will be necessary to pay the difference between the amount of the next payment and that part Money, which remained as an overpayment from the last time.

• How to pay a consumer loan?

  Upon receipt of a loan, a bank employee will give you a payment schedule, according to which you will need to pay. There are several ways to pay for a consumer loan, both within the bank through a network of offices and self-service terminals, and third-party payment systems.
  You can get acquainted with them here:
  You can choose the most convenient for you.

• What should I do if I missed a payment?

  If this is the first missed payment, then you must pay only the missed payment and the amount of the second payment by the date of the next payment. The Bank does not charge penalties for missing the first payment.
  In case of missing the second payment, you must pay a fine in accordance with the tariff:
  You can specify the payment amount by contacting the bank in any convenient way:

  • call tel. 8-800-200-70-05 to get expert advice, or use the autoinformer (IVR) service. To do this, put your phone in tone mode and follow the voice prompts.
  • write an electronic appeal to;
  • get an "Express Statement" for a loan:
  • check the amount in the Internet bank "OTPdirect" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs can be found on the website: https://direkt.site);
  • contact Skype ().
• How to control your credit score?

  You can use convenient and simple services for obtaining information:

  • call the bank's contact center at tel. 8-800-200-70-05 to get expert advice, or use the autoinformer (IVR) service. To do this, put your phone in tone mode and follow the voice prompts.
  • write an email to ;
  • view information about payments and debts through the Internet bank "OTPdirect" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs are on the website: );
  • contact Skype ().
• What is a telecode and how to find it?

  The telecode is your personal number for entering the automatic banking system.
  A telecode is needed when using an autoinformer when calling the bank by phone.
  The telecode consists of three digits. Its value is equal to the last three digits of your Russian passport number.

• If you have a need to return the goods, then, first of all, you should resolve this issue with the store. Then contact a Bank employee (a representative of the Bank who issued you a loan), fill out an Application for the return of goods.
  For the past term of using the loan, the bank will need to pay interest according to the new payment schedule, which the employee will issue to you after recalculation.
  Money paid in cash in a store when purchasing a product ( an initial fee) are refundable in full.

• How to return the goods and terminate the contract?

  You can apply for a certificate to any partner store or credit and cash office of the bank in your region, the addresses of the offices are on the website:

  With a passport, you can apply to any branch or branch of our bank in your region. Our experts will help you calculate the loan and choose the best option.
  In addition, you can apply for a cash loan on our website.

• What are the basic requirements for obtaining a loan for a borrower? What documents need to be provided?
  • age from 21 at the time of application to 65 years inclusive at the time of loan repayment (according to the “Business People” program, the minimum age is from 25 years at the time of application);
  • citizenship of the Russian Federation;
  • permanent registration in any region where the Bank is present and actual residence in the region where the loan was issued;
  • permanent place of work and length of service at the last place of work, corresponding to the conditions of the loan program.

  A complete list of requirements imposed by the Bank on the borrower and the documents necessary for obtaining a cash loan is presented on our website in the Cash Loans section: http://www.website/retail/nopurpose/, or you can contact our Contact for clarification -Center by phone +7 495 775-47-75 (for residents of Moscow and the Moscow region), 8-800-100-55-55 (free call from Russian regions).

• What are the terms for making a decision on loan applications and how long does it last?

  To start using the OTP Bank card, you must first activate it. To do this, call the bank at 8800 200 7001 or contact an employee via Skype otpbank_russia, inform about the intention to activate your BPC. After you answer the specialist's clarifying questions, the card will be available for use in the near future.

  Credit card holders can activate BPC through an interactive phone service (IVR). To do this, you will need to call 8800 200 7001 and dial "4" in tone mode.

  2. Checking the balance of the card

  You can check your account balance in any of the following ways:

  • By phone (without connection to the operator)

  Using Interactive Phone Service (IVR). You will need to call 8800 200 7001 and dial “2 card number * telecode” in tone mode.

  • Via SMS

  You can find out the available balance at any time by sending an SMS with the word bal to 5927 from your mobile phone.

  • With express checkout

  To get an express help on the card, you need to enter the BPC number and telecode on the bank's page.

  • Via Internet banking OTPdirect

  Going into Personal Area remote access systems OTPdirect, on home page you can see all the basic information about available cards, loans, accounts. You can familiarize yourself with the Instructions for working with the OTPdirect Internet service on the website.

  • Help Desk

  You should contact the OTP Bank operator at 495 775 7506 or 8800 200 7001.

  • At an ATM
  • At a bank branch

  3. Credit card replenishment

  OTP Bank offers its customers a variety of ways to repay debts:

  • Through a self-service terminal

  In the menu of the device, you must select "Payment of loans" / "Personal account" - "Login by card number". In the window, enter the credit card number and telecode, then select the required BOD and payment type. After that - deposit cash in cash. Funds will be credited on the same day.

  • In the centers "Svyaznoy"

  You can repay the debt in the center of the Svyaznoy network. Enrollment - during the working day. Commission - 1% (minimum 50 rubles). To carry out the operation, you need to know the card account number and have a passport with you.

  • Through QIWI terminals, Eleksnet, Bank "Primorye"

  On the screen, find "Repayment of loans", select OTP Bank, indicate the details of the recipient, account or card number, the required amount. Insert cash into the bill acceptor and confirm the operation. Get a check.

  • With the service " gold Crown»

  You can replenish your account in MTS stores through the Golden Crown service. Enrollment - 2 business days. Commission - 1% (minimum 50 rubles). You will find all the details of the payment.

  • Through the service "Pay on the way"

  You can pay off the debt in terminal networks (Telepay, Sprintnet, RosExpress, Quickpay, Pinpay express and RosExpress), household appliances / electronics stores and cash desks of communication stores (Euroset, Technosila, Svyaznoy, MVideo, Alt Telecom, Eldorado, Domo). Commission - 1% (minimum 50 rubles). Payment is the next business day. Don't forget to take your passport and account number.

  • Postal transfer

  You can make a transfer at one of the branches of the Russian Post by filling out the appropriate form. Commission - 1.5% (minimum 40 rubles), term - 3-5 days.

  • Through payment contact systems and Cyberplat

  Contact commission - 1% (minimum 50 rubles). Cyberplat commission - 1.5% (minimum 50 rubles). Payment is the next business day. You will need an account number and a passport.

  • IN OTP ATMs Jar

  You can repay a loan using Visa / MasterCard cards quickly and without commission at ATMs (in bank branches) with the cash-in function. You can find the nearest ATM on the OTP Bank website.

  • Through ATMs of partner banks

  In this way, you can pay off the debt on the Visa credit card of OTP Bank with Visa cards any bank. Commission and terms will depend on the partner bank. To carry out the operation, you need to insert the card into the device, dial the PIN code, select the appropriate option in the menu, indicate the number of the recipient's card and the right amount, and then confirm your actions.

  • Through the Internet payment system

  You can transfer funds to pay off the debt using the services of the electronic payment systems Yandex.Money and MoneyMail. Yandex.Money commission - 3% + 15 rubles. MoneyMail commission - 2% (minimum 20 rubles). The term of enrollment in the first case is up to 7 days, in the second - 1 day.

  First you need to register (if you are not already a user) on the PS website. You will have online wallet, which can be replenished in any way indicated on the site. In the “Repayment of loans” subsection, find OTP Bank, drive in the details of the sender and recipient, enter the account number, amount, select the branch and confirm the payment.

  • With a transfer from another bank

  4. Increasing the credit limit

  To learn about the possibility of increasing maximum size available credit funds on the card, you need to contact the bank at the round-the-clock number 8800 200 7001 or Skype otpbank_russia.

  5. How to block a card

  If you find that the card is lost/stolen, you must report it to the bank immediately by calling 8800 200 7001. The bank employee will instantly block the card, after which it will be reissued.

  In addition, credit card holders can use the Interactive Phone Service (IVR) to block BPC. To do this, call 8800 200 7001 and press "1" in tone mode.

  6. How to close the card

  The loan agreement can be terminated unilaterally by the client at any time, provided that the card is returned to the bank and all obligations under the agreement are fulfilled, incl. loan repayment, payment of accrued interest, fees and commissions, penalties and other payments. The return of the card is not obligatory in case of its loss.

  The client notifies the bank of the desire to terminate the agreement by submitting a written application in the prescribed form. An application for termination of the agreement must be submitted to the bank at least 40 calendar days before the expected date of termination of the agreement. From the date of acceptance of the application for termination of the agreement, the bank blocks all cards issued under the agreement.

  Upon termination of the contract if there is a balance own funds of the client on the account, the bank transfers the balance of funds, minus the commission for the transfer, to the details specified by the client, or issues them from the cash desk in the manner prescribed by the legislation of the Russian Federation.

  If you call the hot OTP line Bank, the client will hear the voice menu of the informant. It consists of 5 sections. Each section corresponds to a specific key on the phone layout.

  • If you want to quickly connect with the operator and not wait for the full message of the informant, then you need to press figure.
  • Behind figure information about bank cards is fixed. In this section, the client will be able to obtain comprehensive information on debit and credit cards, leave an application for issue, find out the production time, check the status of consideration, find out the date of the next installment on a credit card or the minimum payment, etc. By pressing a number in the main menu, the client enters the menu of subsections of the category " Bank cards". Here you can quickly block plastic by pressing the number, activate a new card by pressing the number, get a PIN code (number 3), find out any information (number 4). For example, if you want to activate your card, you need to call the OTP hotline and press the following sequence of numbers: 1 - 2.
  • Under figure main menu is a section with information about loans. It also consists of several subsections. By clicking on the number in this section, the client can get information about the bank's POS-credits, which are provided for the purchase of goods and services in partner stores.
    The number will connect the client with an operator who will provide comprehensive information on consumer cash loans and non-purpose loans. By clicking on the number, the client will receive information about the conditions for granting and servicing loans at OTP Bank.
  • The “Deposits” section in the main voice menu of the OTP Bank contact center is located under the number. When you click on this number, the client is immediately transferred to the operator. There are no subsections here.
  • The last category of the main voice menu of the call center of OTP Bank is "Other products and services" under figure. There are no subsections here, so there is a direct connection with a contact center employee.

  How long does it take to wait for an operator's response?

  The call center of the OTP Bank is not so overloaded that users have to wait 20-30 minutes for an operator to answer them. The usual response time rarely exceeds 1-1.5 minutes. In some cases, delays from 3 to 10 minutes are possible. This usually happens during rush hour. This period lasts daily from 16:00 to 20:00. Often this happens on Fridays until late in the evening.

  Disadvantages of an OTP contact center

  When calling the OTP Bank hotline and subsequently connecting with the operator, the system does not tell the client the approximate waiting time, voicing only what phone call the first free operator will answer. In most other banks, the client is given at least an approximate waiting time for an employee's response, and this is much more convenient.

  The biggest disadvantage hotline The OTP of the bank is that the client will not be able to return to the previous menu by pressing any key (# or * in other banks). This is simply not provided for in the voice menu of OTP Bank.
  If the client makes a mistake and selects the wrong button, he will have to make a second call, or wait for an automatic connection with the operator, which will happen if you do not select any of the categories 2 times in a row.

  A loan without income documents can be issued by holders of salary OTP cards Jar. The client must receive regular payments to the card for at least 3 months at the time of application loan application. The maximum loan amount is 4 million rubles, the deadline is 7 years. The borrower can use the loan funds for any personal needs.

  Is not obligatory provision pledge and attraction of guarantors. Other borrowers can confirm their income without a 2-personal income tax certificate. Instead, you can provide an extract on the state of the personal account from the State Services website, a certificate modeled on the Bank, or an extract from a salary account in a third-party bank.

  Who is eligible for loans without proof of income? OTP Bank has the following requirements for potential borrowers:

  • The presence of citizenship of the Russian Federation;
  • Age from 21 to 69 years;
  • Availability of registration on a permanent basis within the country and place of actual residence on the territory of the region served by the Bank;
  • Work experience at the current place of work must be at least 3 months.

  To apply for a loan without income certificates, a general passport is required, as well as, if available, TIN and SNILS.

  How to get a loan? On the website of OTP Bank, there is an opportunity to submit a preliminary online application for credit. In it, the applicant must enter personal data and contact information. The term for its consideration is up to 15 minutes, if the client has successfully passed the automatic check, the Bank accepts instant solution. The borrower is notified of the Bank's response via SMS or a call from an employee.

  To apply for a loan without references, the client must visit the office of OTP Bank. The term for making a final decision on the application is from 1 to 2 working days. A positive decision is valid for 30 days. Credit funds credited to the borrower's bank account. If difficulties arise in the process of obtaining a loan, the client can contact the Bank employee:

  Is it possible to increase the chances of getting a loan? By revising OTP applications Bank analyzes credit history borrower, the better it is, the higher his chances of obtaining a loan. The level of income of the client is also essential. The advantage is the presence of valuable property in the property and additional sources of income. The bank may refuse to issue a loan if the borrower has a significant current credit load. Therefore, before applying, it is worth repaying operating loans. Contact persons indicated in the application must not have problem loans. During a visit to the office of OTP Bank, employees carry out a visual assessment of the client, so he must look presentable, his clothes must be clean and tidy. Also, Bank employees can monitor the applicant's pages in in social networks. An assessment of people and communities of interest to him, as well as the information posted, may affect the Bank's decision to grant a loan.

  JSC "OTP Bank" - "daughter" of the Hungarian banking group of the same name, one of the largest retail banks in Russian market with a developed network of divisions both in Moscow and in other regions of the country. The bank is focused on working in such areas of retail business as POS lending, credit cards, cash loans, acceptance of deposits from the population. The Bank is also active in the foreign exchange and interbank markets, in transactions with derivative instruments. Controlled by the Hungarian OTP Bank (97,90%).

  The history of the Russian OTP Bank begins with the creation in March 1994 of the Germes savings bank, which at that time was part of the concern of the same name. Later, the bank was transformed into JSCB "Bank of Investments and Savings" (abbreviated as Investsberbank).

  OTP Bank (Russia) traditionally takes an active position on banking market countries, providing a wide range of services to private and corporate clients. OTP Bank, among the first credit institutions in Russia, began to purposefully develop retail business: in December 2003, the first consumer loan was issued, and exactly one year later, their number exceeded 300,000.

  Currently, OTP Bank (Russia) is a full member of the OTP Group ( OTP groups), which is represented in 9 countries, including Russia. Joining the European banking group will allow OTP Bank (Russia) to borrow significant Foreign experience, already accumulated during the more than 50-year history of the group.

  OTP Bank continues its sustainable and dynamic development, its financial position is strengthening, all the main indicators characterizing the state of the bank are steadily growing. The parent OTP Bank (Hungary) was established in 1949 and has subsidiary banks in Croatia, Romania, Serbia, Slovakia, Ukraine, Bulgaria, Montenegro, since the end of 2006 - and in Russia. OTP Group currently serves over 11 million customers in 9 countries through a network of 1,300 branches and an electronic communications system.

  Services and products of the bank for corporate clients include settlement and cash services, placement of funds on deposits and bills of exchange, lending and issuance of guarantees, salary projects, remote service, support for export-import operations, factoring, trade financing.

  In total, the bank has more than 3.9 million clients - legal and individuals. In the corporate segment, the bank primarily lends to borrowers engaged in trade, construction, real estate transactions, financial and operating leases. Among the bank's clients were such organizations as JSC Domestic Medicines, PJSC Rusgrain Holding, LLC Element Leasing, LLC MFO Peshekhod, OJSC Melnitsa, PJSC Impulse, PJSC Saratovenergo, PJSC Rostelecom, JSC Farmadis, JSC Ezra, etc.

  The main volume of the bank's assets falls on the item loan portfolio, which formed 61.6% of net assets as of the reporting date. Issued interbank loans accounted for 20.7%, highly liquid funds (mainly balances on correspondent accounts with the Central Bank) - 4.7%, other assets accounted for another 7.2%.

  According to RAS financial statements, for the first ten months of 2018 credit organisation received net profit in the amount of 2.8 billion rubles (the same amount in the same period a year earlier).