It is necessary to obtain information about the loan balance from OTP Bank not only when closing a loan, but also to fill out a questionnaire when applying for other loans, as well as to plan a personal budget.

Sources of information about the loan balance

Each client can find out the balance of debt under a loan agreement not only during a personal visit to the OTP Bank office, but also by any of remote ways:

1. Call the hotline: 8 800 100-55-55 (for regions), 8 495 775-47-75 (for Moscow). Opening hours: 24 hours a day.
2. Using the OTP direkt service. To register in your personal account, you will need to visit a bank branch; in the future, the user can carry out various financial transactions with their accounts, including finding out the loan balance. A person can check personal information, monitor the status of a loan or make changes only after entering a password and login on the personal account page, which is entered each time by verification code sent via SMS message.
3. Mobile bank. 2 applications for smartphones have been developed: “OTPdirect”, which is an analogue of Internet banking for mobile versions (current login and password required).
   
   
   And “OTPcredit”, where you can view all information on accounts without performing transactions on them (login only by phone number). You can download them in the AppStore and Google Play application stores or on the website.
   
   
4. The Telegram bot allows you to obtain information about the debt balance and other information on existing accounts, as well as find the nearest bank branch. To use it, you need to search for the contact “OTPBankRu_bot” in the messenger and click “Start”. Client identification occurs by phone number.
   
   
5. From a mobile phone, the client can call 0707 (free for subscribers of Beeline, Tele2, MTS, Megafon operators).
6. For clients with connected SMS banking, you can send a message with the text “CREDIT” to phone number 5927.

To visit bank offices or branches, you must have a passport.

Online methods

Additional ways to contact the bank without visiting the office in person:

Methods for repaying a loan at OTP Bank

In addition to OTP Bank’s own branches and ATMs, loans can be paid from any bank card via the Internet:

• in your personal account;
• mobile application;
• directly on the site.

The account is credited within a few minutes, the commission on the amount of the payment made is 2%. The maximum amount per account per day is no more than 15,000 rubles.

Other payment methods:

Way	Payment Features
Service " Gold Crown» (salons “Beeline”, “MTS”, “Euroset”, “Kari”, “Agent.ru”, “Know-HOW”)	The account number is credited instantly. The commission is 1%. In Euroset, when paying more than 20,000 rubles, the commission is 200 rubles.
Repayment of loans in Svyaznoy	Payment is credited the next business day. Commission 1% of the amount (minimum 50 rubles).
Terminals and QIWI wallet	Instant crediting of transferred funds. Commission – 1.6%, minimum payment is 100 rubles.
Terminals and Eleksnet wallet	Commission 0.95-1.4% (minimum 50 rubles). Enrollment no later than 3 working days.
Yandex money	Commission 3%+15 rubles per operation. Payment is credited the next business day.

When making payments through terminals, you will need a number loan agreement or bills.

Cash loans can be made:

• In the branches.
• Through an ATM.
• In Eldorado retail chains.
• In retail chains "M Video".
• At Rostelecom.
• Through the Unistream translation service.

A money transfer for loan payment can also be issued through Russian Post or accounting at work.

Loan closure check

In order to avoid conflicts with the bank's debt department, it is necessary to track the complete closure of the loan account when repaying the loan. You can check the closure in your personal account on the bank’s website, by calling the customer support service, as well as at a bank branch, where information is provided by name and contract number with the obligatory presentation of a passport.

Important steps after closing a loan

After paying the full amount of the loan, it is recommended to receive loan repayment certificate. Sometimes they give it away next month after repayment when accounts are closed in the bank's system. The addresses of branches and ATMs for each of the cities where the bank has representative offices are presented on the official website.

In case of early repayment, it is possible to partially return the insurance if this is provided for in the loan agreement or insurance policy. In any case, you can try to get some of the money back by submitting a free-form application for a refund of the insurance premium.

If the borrower was issued payment card, then you can disable paid services and close it if there are service fees and there is no need to use it.

For more than ten years, OTP Bank has been one of the few lenders that are recognized as the most reliable. This is due to the large number of advantages that this banking system has ahead of its competitors.

How to get a loan from OTP Bank

OTP Bank provides a wide range of opportunities, especially for issuing loans. Each type has its own conditions. To date, they have been improved for the “Consumer Cash Loan” product. So, maximum amount borrowed money- up to 4,000,000 rub. The rate starts from 10.5% per year). Please note that a loan of up to 300 thousand rubles. is estimated more expensive - from 14.9% per year. And when issuing no more than 1 million rubles. you will have to pay from 11.5% per annum. The debt can be repaid within 7 years.

Most banks provide a preliminary decision on an online application. In contrast, OTP Bank immediately announces the final verdict, which allows you to avoid having to go to the branch again. They will answer in literally 15 minutes. Russian citizens can receive consumer loan by , if you have reached the age of 21, but not older than 69 years.

The institution is one of those financial institutions, which lend when available complete package documents. But you can also get a loan from him without certificates, just on the terms of a smaller amount. For specific details on OTP Bank's lending conditions, see below.

Is it worth applying for a loan without income certificates at OTP Bank?

If you really need money and you decide to take out a loan, the answer will be clear - it’s worth it. At a minimum, you won't lose anything. Moreover, there is a good chance of approval for every client who meets at least the minimum requirements of the lender

It usually takes 10-15 minutes to fill out the application. OTP Bank will consider it quite quickly. You won't have to wait too long, since the verdict is delivered in just a quarter of an hour, but it can take a whole day. That is, the next day you will be informed about the results of your application and further actions. If you don’t want to wait, apply to several banks at once.

As he says CEO group of companies OTP Sandor Chani, the main mission of the bank is to establish long-term relationships with the maximum possible number of bona fide clients. This is to some extent confirmed by the scale of the lender’s activities, which already covers over 3,000,000 people in Russia alone.

According to our statistics, in 2017 the bank approved more than 35 applications out of 100. This is a fairly high figure when compared with competitors of the same level. Based on the data, we can conclude that a loan application without OTP certificates The bank will approve with a probability of 30-40%. If you provide a certificate of income, the probability of approval will increase at least twice, to 60-80%.

Lending conditions at OTP Bank and requirements for a potential borrower

• up to 4,000,000 rubles;
• from 10.5% per annum;
• up to 7 years.

But here you should stop and take a closer look at the cash loan policy. Please note that you do not need certificates if you submit an online application. In fact, when filling it out you will need your passport data, so all you need is the appropriate document. But then there is this situation: if you take out a loan for a small amount, namely 200 thousand rubles, a certificate of income, a copy of the employment document, will not be needed.

But, when you visit the branch, you will still show your passport and the second document that is available: the organization’s TIN, a certificate of state registration of an individual entrepreneur or tax registration (for individuals), etc. If you borrow from OTP Bank within 200 -400 thousand rubles, you will have to make a copy of the work book. And when applying for an amount of up to 4,000,000 rubles, a certificate of income must be presented.

Then the initial rate will be 10.5% per year. The borrower must be 21 years of age. The maximum permissible value is 69 years. It is also necessary to meet the following requirements in order to take out a loan without certificates from OTP Bank: Russian Federation citizenship, 3 months of experience, permanent official work and registration.

How interest is written off

The loan from OTP Bank is repaid in annuity monthly payments. If a person who does not have certificates needs to make a deferred payment, an extension. He can resort to this service by choosing the date for payment that is most suitable. But for this option the client pays a commission.

How to find out the debt balance in OTP Bank in 1 minute

One of the most popular methods used by most OTP clients Bank to inform you about the amount of the loan balance - call hotline. When you call the bank's help desk, you just need to give the agreement number. The operator will immediately dictate to you all the required information.

OTP Bank help desk number: 8-800-100-55-55 .

How to find out the loan balance at OTP Bank through your personal account

A personal account is issued to each client. This tool solves many problems. To find out the balance, it is possible to submit a short online application for an Express Certificate. More specifically, go to the section called “Fund Control” and select the appropriate function.

On the page you will see a form in which information is entered: loan agreement number or credit card, telecode and authorized code.

How to find out the loan balance and other details through the OTP Bank application

Go to Google Play or App Store from your smartphone and install OTP application Jar. It is exactly like standard web banking, making it easy to find out your debt balance.

We can easily find out the debt balance via phone using SMS banking

This service can be useful for various reasons, for example, you need to make a payment for the Internet or pay a loan to OTP Bank when there is no PC nearby. In such cases, it is suggested to use SMS banking.

Send a message with the word “Credit” to number 5927 and follow the further instructions that will be in the response SMS.

Classic way

The last option is the classic method, which consists of visiting a bank branch. In order not to waste time searching for the nearest office, go to the OTP website in the “ATMs and branches” section, indicate your city. A list with department addresses will open in front of you. All that remains is to choose the most suitable one.

How to repay a loan

The bank allows you to track payments, control expenses and carry out other financial transactions online. As for the payments themselves, they can take place in several ways:

• in cash at a branch of the bank itself or through the cash desks of other creditors;
• using terminals;
• through the payment system;
• thanks to bank cards and etc.

It is worth noting that the company’s website contains a calculator that allows you to calculate the final payment amount. and its cost depends on:

• the requested loan amount;
• validity period of the loan agreement;
• level of client's solvency;
• credit history and the presented package of documents.

OTP Bank allows you to repay your debt early without incurring fees. In order not to miss a payment due to forgetfulness, it is recommended to download the “OTPcredit” application on your phone, which will remind you of the date of making the obligatory monthly payment. If the previous payment schedule does not suit you, you are allowed to write an application to establish a new one.

How to pay a loan to OTP Bank via the Internet using Sberbank web banking: step by step

1. Let's go to Personal Area Sberbank.
2. Go to the “Payments and Transfers” section, select “Repayment of a loan from another bank”.
3. You can pay a loan to OTP Bank by selecting it from the general list.
4. We enter information about ourselves and the number of the loan agreement concluded with OTP Bank in the appropriate fields.
5. We indicate the amount and account/card number from which we decided to pay the debt, and press the payment button.

Is it possible to pay a loan from OTP Bank via the Internet through its website?

OTP, unlike Sberbank, charges not 1%, but as much as 2% for this opportunity. If you don't care, proceed to the following steps:

• log in to OTP internet banking;
• select the function called “Payment by card” in the main menu;
• enter the required information (full name, e-mail, contract number and card from which payment will be made, payment amount) and click “Pay”.

Borrowers, in order to control the status of their loan, always want to know the account balance on it. This makes it possible to determine the amount of a specific debt if you intend to repay the loan early, or it allows you to accurately determine whether a payment made several days earlier has been credited. OTP Bank allows you to find out the loan balance to anyone who wants to be informed about the transactions made on their account. At the same time, there are several ways to notify clients, which we will discuss in detail in this article.

Obtaining information about your account at OPT Bank is as easy as shelling pears.

The financial institution does not hide this information, but on the contrary, does its best to provide as many options as possible for familiarizing yourself with the balance and accrued debt on the loan.

Via SMS

SMS banking is enough reliable way obtaining information on the account balance.

Send an SMS message with the text “CREDIT” to number 5927. For maximum access to Internet banking, send the word “HELP” to the same number.

This method is quite simple. You need to dial 8-800-200-7-005 and wait to be switched to an operator.

• possible overload on the line;
• takes a long time as the operator checks the information.

Through the Internet

To check the status of your credit account using the Internet, there are 2 alternative options:

As soon as you get into your account, immediately go to the “Credits” tab and select the “Detailed information” item. After clicking it, the data will open to you:

• contract number;
• current rate;
• balance of debt;
• delay (if any) and the amount of the fine that accrued for the days of non-payment;
• the required amount of the next loan payment and the date of its payment.

By contract number

You can find out the loan balance at OTP Bank by the agreement number without much difficulty. For this:

1. Dial 8 800 200 7–007.
2. Now he presses “2” on the keyboard of his mobile device.
3. Enter your card number and press “*”.
4. Next, you need to enter a telecode, which is issued in addition to the loan agreement being concluded. It consists of only 3 digits (if you did not change them yourself, then these will be the last 3 digits of the passport number).

If you did not receive plastic, and the funds were issued in cash, then a call to 8 800 200 7–005 will solve your problem. All other commands are the same, only instead of the card number you enter the number of your loan agreement.

There is another option for obtaining information by agreement number - go to the official website and order a credit account statement:

1. You get to the main page.
2. Select the “Funds Control” tab.
3. In the form that appears, enter the agreement number/card account, telecode and one-time code that will be sent to your mobile phone.
4. The financial institution will soon generate a detailed debt report for you.

And also, in order to be aware of your account balance, you can simply go to the nearest bank branch and present your passport to the credit analyst.

For active Skype users, communication with a bank representative is available by adding otpbank_russia to your contact list.

Loan repayment

Credit debt in one of the most popular banks in the country is repaid in numerous ways. You need to determine the most comfortable one for yourself.

No commission

Many borrowers, in order to save money, try to choose a payment option in which OTP Bank will not charge a commission.

Free ways to replenish your credit account include:

• transfer from a debit account to a credit account through OTP Bank;
• through the mobile operator Beeline;
• by postal transfer via Russian Post;
• through Unistream: you can either top up your card or transfer money to a specific credit account;
• through terminals and ATMs that can accept money (Cash-in);
• through the OTP-credit application, downloaded via Google Play or the App Store absolutely free.

This financial institution is in great demand among the population. This is due to the reliability of the organization, a loyal attitude towards customers and a large selection of products offered. However, not all users have an idea of ​​how to find out the loan balance at OTP Bank. In fact, this operation can be implemented different ways. Each user will choose the option that is more suitable for him.

Ways to check your debt balance

All large financial institutions offer to clients modern methods service. Just a few years ago, checking your loan balance required visiting a bank branch or looking for an ATM. Today the situation has changed significantly. OTP Bank offers the following options:

• Make a call to the client center. The service operates 24/7, that is, around the clock and seven days a week. This method is one of the most efficient;
• Register in the company's Internet banking. The system is called OTP Direct. Allows you to carry out remote operations, check the loan balance and monitor open accounts. You can activate this service while receiving credit card or later by visiting a bank branch;
• Make a request on the official website of the organization - https://www.otpbank.ru;
• Use email and send a letter to: [email protected]. In the letter you will need to write personal information - full name, passport details, contract number;
• Use the popular messenger Skype. You will need to find otpbank_russia in your contacts and send a request;
• Visit the organization's office. You must bring your passport and plastic card(if the loan is issued on a card and not issued in cash).

Each method has advantages and disadvantages. For example, it will be difficult for older people to master the Internet banking system, while younger clients do not have the desire to visit the bank office again.

In addition, you can check your loan balance at OTP Bank using an SMS message. This option is also quite convenient and popular. Unlike phone call, you will not need to remember a combination of numbers to obtain the necessary information.

The most popular method is Internet banking. Using the online service, the client only needs to log in to the system and find out all the information in a few minutes. However, some of the options should be considered in more detail.

How to find out the loan amount by phone

In this case, there are two ways: SMS message and calls to the client center. Each of them should be considered.

By sending SMS

To obtain information regarding the status of your credit balance using a regular SMS, you must do the following:

• Type credit (must be in Latin);
• Send it to number 5927.

You can get acquainted with all possible operations using this method by typing the help command and sending it to the same number. Money from the mobile phone account will be debited in accordance with the tariff of the operator used by the client.

Call the OTP Bank support service

With a telephone call the situation is somewhat more complicated. There are two methods, which differ according to the type of loan (consumer/card):

• If the client has taken out a consumer loan, then you will need to dial the number 8 800 200 70 05, then click on two, enter the loan agreement number, click on the asterisk and add a telecode (it is issued personally). This combination (telecode) consists of three digits and is issued to the client during the execution of the agreement. In the event that a citizen forgot this combination, but did not change it, then the situation will be resolved quite simply. The code is the last three digits of the client’s passport;
• You can find out the loan balance at OTP Bank for plastic carrier holders in the same way, however, instead of the agreement number, you must enter the plastic card number.

Find out the balance by contract number

The implementation of this operation can be performed using several methods. Their list looks like this:

• Internet banking;
• Call the unified client center (the number is written above);
• Visiting a bank branch;
• Request on the official website of the organization.

However, in addition to the credit agreement number, additional data may be required (full name, information from your passport).

Express certificate on the bank's website

This procedure allows you to obtain a detailed statement regarding the balance of funds, transactions performed and other transactions. The operation can only be performed on the institution’s website. You need to do the following:

• Go on the website;
• Find the Control funds section and go there;
• Fill out a small form, which consists of the contract number, telecode and one-time code, which is sent as an SMS message to the phone number specified by the client;
• Confirm the operation.

After some time, the client will be provided with a detailed transaction history and other information of interest.

How to change your personal code

If you need to change the telecode, you will need to do the following:

• Dial number 8 800 200 70 05;
• Number 2;
• Agreement (card) number;
• Asterisk;
• Write old code;
• Press 4;
• Enter a new telecode, which should consist of three digits.

Conclusion

There are no specific recommendations regarding which option is best to use. Each method allows you to find out the loan balance at OTP Bank. In some situations, it is more convenient to visit the bank in person. However, remote verification methods, via telephone or the Internet, are more efficient and clients prefer to use them.

We're glad we helped you make your purchase! We remind you that the loan for the goods was provided by the bank, and not by the retail outlet, so for all questions you will need to contact OTP Bank directly.

For your convenience, we have collected answers to the main questions that arise when using a consumer loan. For repayment methods, see the section “Repayment of OTP Bank loans”

How to return or change a credit item?

If you want to exchange or return an item purchased through credit funds:

• Contact the store where you purchased the goods with your passport and documents issued to you when applying for a loan.
• Inform the store staff that you want to return or exchange the item.
• Then contact an OTP Bank representative in the store and he will advise you on all issues

There is no bank office in my city. Where to go if you have questions?

If there is no credit and cash office in your city, for any questions you may have, you can contact a representative of OTP Bank in the store where you purchased the goods, or by calling the bank’s contact center: short number: 0707 (free from mobile numbers Beeline, Megafon, MTS, Tele2). You can view financial information (date and amount of payment, account status, date of last payment, etc.) in the OTPdirect online bank.

How to repay a consumer loan in full ahead of schedule?

• Specify the amount for full repayment at the bank's help desk by phone 8-800-200-70-05.
• Deposit the entire prepayment amount into your account in full.
• On the next payment date, your loan will be repaid. You do not need to come to a store or cash office of the Bank or write an application.
• In order to be sure that the loan is ultimately fully repaid, be sure to call the Bank’s contact center again to clarify information about the complete closure of your loan, or view OTPdirect online banking, which is provided to all clients free of charge.
• Be careful, enter full amount For early repayment in advance to cash were credited to your account on time (for example, if you pay a loan through Russian Post, you must deposit funds 10 days before the date of the next loan repayment indicated in the payment schedule).

Repayment of consumer and non-targeted loans of OTP Bank

Where can I see the amount of debt and the repayment date?

The amount of debt, the date and amount of payment can be found out in several ways:

	REQ: find out your details

How to avoid being late?

Repay your loan on time in accordance with the payment schedule to avoid falling behind and avoid penalties. It is better to make payments in advance so that they have time to reach your bank account.

Your reliable assistant in paying off your loan will be a free mobile app“OTPcredit”, which can be downloaded to your smartphone or tablet. The application will remind you of the date and amount of the loan payment.

What happens if you miss a loan payment?

If you miss a loan payment, the Bank charges a fine. In addition, late payments will negatively affect your credit history. To avoid such situations, deposit funds in advance. If you have problems repaying your loan, be sure to notify the Bank. OTP Bank makes every effort to accommodate its borrowers who find themselves in difficult life situations. In case of deterioration financial situation You can restructure your debt. Restructuring implies a reduction in the monthly payment or suspension of loan repayment for a certain period with an increase in the period of final loan repayment.

What should I do if I can't pay on time?

For those who have taken out a loan at the branch, a service is available to postpone the payment date. If it becomes inconvenient for you to make payments in accordance with the established schedule, you can write an application to the Bank to establish a new payment schedule, and if the answer is positive, repay the loan on those days when it is convenient for you.

If you have problems repaying your loan, be sure to notify the Bank yourself. Bank employees will discuss all possible options with you.

What should I do if I have lost my details?

Find out your details using our services.

	Internet bank "OTPdirect" When signing the loan agreement, you received a login and password. Log in to Internet Banking by entering them in the appropriate fields.
	Mobile bank "OTPdirect" When signing the loan agreement, you received a login and password. Log in to Internet Banking by entering them in the appropriate fields. Install the free application on your smartphone or tablet (login and password, as in Internet Banking). Available on the App Store and Google Play.
	Application for borrowers "OTPcredit" Free application for clients who have taken out a loan. Authorization - by mobile phone number. Available on the App Store and Google Play.
	SMS bank Send an SMS with the command text to the short number 5927: REQ: find out your details LOAN: find out the amount and date of payment, balance of debt HELP: Get a list of additional commands (SMS information service must be activated in advance)
	Bank help desk Toll-free 24-hour numbers: 8-800-100-55-55 (cash loans); 8-800-200-70-05 (loans issued in stores)
	OTP department Jar To obtain information, you will need your passport.

Made the payment, but the money did not arrive at the Bank?

There was an error in the recipient's details.

If you find an error in your details, you need to contact the nearest OTP Bank office with your passport and all documents confirming the fact of payment. At the bank, you need to write a free-form application with a request to transfer money to the correct current account.