Over the years, the issuance procedure credit loan continues to remain in the ranking of the most popular banking operations. Having received approval from the credit commission for issuance cash, before signing an agreement, it is important to realize that the debt must be paid strictly according to the payment schedule. In case of late payment, the bank will be forced to apply penalties. To prevent this from happening, it is important to choose the optimal loan payment method in advance, as well as deposit funds into the loan account in a timely manner.

Online repayment methods

OTP Bank does not limit clients’ choice of debt repayment method. You can pay off a loan issued at OTP in a stationary mode or through online services. Borrowers who prefer to carry out financial transactions online can use one of the online repayment methods.

Via online banking

Paying off debt online is quite simple. To do this, just log in to personal account. All current bank clients who have previously submitted an application to activate this service have access to their personal account. The personal account of Internet banking is similar to the personal account of the mobile version of OTPdirect. You can repay the debt if you have funds in your credit account.

From card to card through a form on websites

You can also repay the loan through an online transfer from one card to another. Instant transfer of funds can be made from any active card Russian bank, which is linked to international payment systems: VISA or MasterCard. Funds are credited to your credit account within a few minutes, and the commission for making a payment is 2%.

It is noteworthy that the commission for repaying a loan using this method is twice as high as most other channels for depositing funds. Within one day, the borrower can carry out transactions within 15 thousand Russian rubles. Card-to-card transfers are possible thanks to the functional support of the Payment Center.

Online service of the Golden Crown system

Popular payment service « golden crown» also makes it possible for OTP borrowers to repay their loans through their service. You can perform the operation directly on the website or by contacting the representative offices of such well-known networks as Beeline, MTS, Know-How.

The commission fee for services is 1% of the total amount of deposited funds. Debt repayment occurs instantly, and the operation itself does not take more than ten minutes.

Customers who actively use the “Golden Crown” service on an ongoing basis must dictate their phone number to the cashier of the outlet and provide an identification document. Clients who have not previously encountered the Golden Crown service must dictate not only their mobile number, but also their credit account number. On subsequent calls, the debt repayment operation will occur even faster, since the system will remember personal data. This service is also convenient in that clients can track the status of the latest payment on the official website of the service.

Redemption in communication shops

You can repay the loan in the communication stores of the following networks: Megafon, Euroset, Svyaznoy. All transactions are carried out through the Rapida payment system. The cashier of the salon can perform a financial transaction if the borrower provides a passport and also dictates the credit account number. The service fee is 1% of the total amount of funds deposited, while repayment credit debt occurs the next business day.

Via Qiwi

OTP clients who have a loan, deposit monthly payment using credit details they can also use QIWI self-service terminals or through the website of the same name by following the active link.

The Qiwi service charges a commission that is not the most profitable for the client: 1.6% of the total payment amount.

To pay off the debt by agreement number, on the QIWI website you need to follow the following algorithm of actions:

On home page website, click on the “Payments and Transfers” tab.

In the drop-down menu, click on the “Banking Services” button.

Among the displayed bank logos, select the “OTP” logo and click on it.

Enter the borrower's personal information.

Log in to your e-wallet.

Confirm the debit.

Within one week, you can make payments to repay the loan in an amount not exceeding 600 thousand rubles. Funds are credited to your credit account within two business days.

Through the Eleksnet system

The Eleksnet payment system charges an acceptable commission for its services, which is 0.95% of the transaction amount when using the online service. In terminals the commission amount increases to 1.4%. With regular repayment of debt through the Eleksnet system, the client is awarded promotional bonuses for using the service.

Borrowers who want to pay off their debt in cash can use one of the many cash payment options. Choice the best way remains with the client, who must take into account the amount of the commission and the duration of the payment.

ATMs and terminals

The most common and easiest way to repay a loan in cash is to use self-service terminals or OTP ATMs. Most bank branches are equipped with modern generation ATMs that have the function of accepting banknotes. To activate the digital menu, just log in to the system using credit card. Payment made through the ATM service before 17:00 will be processed within one day. Payments made after 17:00 will be processed within two business days.

This method of repaying credit debt has a significant advantage: OTP Bank does not charge borrowers a transaction fee.

To repay a loan through a self-service terminal, it is recommended to first follow the active link. By installing a beacon near the “Terminals” request, the system will automatically find the nearest terminal in the selected city. Repaying a loan is quite simple, following a simple algorithm of actions:

• On the main page of the digital menu, select the “Payment of loans” section.
• Log in to the system. To do this, you must indicate the number of the active card, account or number loan agreement.
• Select the “Telecode” section, then enter the last three digits that appear in your passport number.
• Select the credit account number to which funds should be transferred.
• Deposit bills into the ATM.
• Select the “Pay” menu item.
• Confirm printing of the receipt.

Unfortunately, today OTP banks are not programmed to issue change. Therefore, before repaying a loan through self-service terminals, you need to make sure that you have banknotes of the required denomination and, if necessary, change money at the cash desk.

Retail chains "MVideo", "Eldorado", "Domo"

You can pay off your debt in cash by going to the cash register of one of the stores of such major chains: Domo, Eldorado, MVideo. Commission for execution financial transaction is 1% of the total amount, while funds are credited to the credit account for further debiting to repay the loan within one day.

Rostelecom

At Rostelecom sales and service centers, borrowers can make a monthly payment on an OTP loan. Funds are credited to the credit account within 1-2 days from the date of the transaction. The service fee is 1% of the total transfer amount.

"Unistream"

You can also repay the loan at the stationary branches of the Unistream settlement center. Crediting funds towards repayment consumer loan occurs the next day after the transaction. On the official Unistream website, the client can track the payment status using the control number.

Postal transfer

Borrowers can repay their OTP loan debt at Russian postal offices. To be able to credit funds to repay a loan, you must first print the form electronic transfer via mail. A sample form can be requested at the OTP branch or at a retail outlet when opening a consumer loan. You must contact a post office employee with the completed document.

The advantage of this debt repayment option is that there is no payment fee. However, this method There is a significant drawback: funds are credited within 5 business days.

Bank transfers

You can also make a monthly payment towards the loan repayment through bank transfer at a branch of OTP, Sberbank or any other Russian bank. To carry out the transaction, the cashier must provide payment credit details. The term for crediting funds ranges from one to five days.

The commission fee is announced immediately before the transaction and depends on the internal tariffs of the servicing bank. If there are funds in the debit account, the borrower can initiate bank payment in order to close the debt.

Through the accounting department

You can repay the loan through the bank's accounting department. To do this, you need to contact the relevant department of the enterprise to obtain a sample application, according to which part wages will be immediately used to pay off the debt. If this operation is possible and after the application is accepted, the agreed monthly part of the salary will be credited to credit balance. It is noteworthy that this method is not relevant for all companies. In addition, it is recommended to clarify in advance the amount of the commission, as well as the duration of the operation.

Thus, you can repay the loan debt through in various ways: in stationary mode or using Internet services. The choice of the method of depositing funds depends on the amount of commission that is optimal for the borrower and the duration of depositing funds.

OTP Bank is one of the ten most active issuers of credit cards and ranks third in the number of loans issued in stores selling expensive goods. Naturally, bank clients often have a question: how to pay OTP loan bank without commission or with minimum? We'll talk about this later.

Payment methods for OTP Bank loan

Taking care of the convenience of customers, the lender has provided many channels for making payments. You can repay the loan at bank branches, through a huge partner network, and also make payments remotely.

The most common ways to repay an OTP Bank loan:

• Through online channels. You can use the following services:
  • OTPdirect;
  • online banking of any other financial institution by completing a transfer to the creditor's details (read about how to pay for a loan from another bank through Sberbank Online);
  • transfer from a debit card by filling out the payment form directly on the OTP website;
  • websites of payment operators Unistream and Zolotaya Korona;
  • electronic wallets: Yandex, Elexnet.
• You can deposit cash to repay the loan:
  • To the cash desk of any banking institution, including OTP.
  • Through ATMs with a cash-in function and self-service terminals in OTP branches and Sberbank of Russia.
  • Through the Rapida payment system: in the Svyaznoy network stores, M-video, Eldorado, Domo stores.
  • Through members of the Golden Crown network.
  • To the cash desk of partner organizations: Megafon stores, Russian Post branches, Rostelecom branches.
  • Through payment acceptance terminals: “Qiwi” and “Eleksnet”.

You can also agree with the accounting department of the enterprise where the borrower works, so that the accountant, on the appointed day, makes a deduction from the employee’s salary in favor of the bank, and carries out non-cash payment to the specified details.

Via the Internet, personal account

For holders of OTP Bank payment cards, the easiest and cheapest way to make a monthly payment is via the Internet. You need to log in to OTPdirect online banking and make a payment through your personal account.

For transfers between cards and client accounts opened at OTP Bank, including from a current account to a loan account, there is no commission. Connecting and using Internet banking is also free.

If the client does not have access to his personal account, he must visit the OTP branch and connect this service. If the service has already been activated, you can call the multi-channel phone of the call center and the operator will provide the login, and one-time password to log in will be sent to the client’s mobile phone.

To simplify subsequent loan payments, you can create a template in your personal account or enable a scheduled payment. In the future, it will be possible to make a payment using the template via SMS, but this service is paid and its cost is equivalent to the cost of an outgoing message.

For mobile phone you can use the application " Mobile bank» from OTP, which also includes the ability to make monthly loan payments.

From an OTP card

There is another way to pay for an OTP loan - via the Internet by bank card OTP, but without authorization in Internet banking.

This feature is also implemented on the bank’s official website, but it is paid. Instructions:

1. On the main page of the site, select the “Repayment” or “Repay Loan” section,
2. Next, go to the “Pay online” subsection,
3. In the list of methods that opens, give preference to the “Pay with card” operation,
4. Will open payment form, in which you should indicate the card number and full name of the holder.

The operator for making such payments is a third-party organization “Payment Center”; for transferring money the operator will take a commission of 2% of the amount.

From a Sberbank card

Clients largest bank countries can pay for a loan to OTP Bank via the Internet using a Sberbank bank card. To do this you need:

1. Log in to the Sberbank Online system,
2. Select the item “Repay a loan from another bank” in the “Payments and transfers” section,
3. Enter payment OTP details and make payment.
4. There you can also activate the “Autopayment” service and money in favor of OTP will be debited automatically on the appointed date.

For loan payments in favor of another bank through Sberbank Online, the commission will be 1%.

By contract number

The client may need the agreement number both to make cash loan payments and to make online payments. In particular, it is necessary if the client plans to make a monthly payment through:

• OTP bank self-service terminals,
• ATM,
• Interbank transfer. The contract number will need to be indicated in the purpose of payment column,
• Postal transfer.

To make payments through the Golden Crown service, the Rapida system, and payment terminals, you need to know the credit account number. This number is indicated in the loan agreement and consists of 20 digits.

Where to pay for an OTP Bank loan without commission?

You can repay the loan for free. At no additional cost, you can deposit current payment for a loan through:

1. OTPdirect system;
2. Bank cash desk, ATMs with cash in function and OTP self-service terminals;
3. Translation service "Unistream";
4. Divisions of Russian Post.

When opening an OTP debit or credit card, clients can choose the best method for depositing funds into their account. OTP Bank strives to provide cardholders with the most convenient service possible, so money can be credited to the balance both at stationary service points and through Internet channels. Let's take a closer look at the most popular of them.

Methods for replenishing your card with cash

Customers who make frequent purchases through online stores are faced with the need for replenishment almost daily cash account. Borrowers must also regularly replenish their loan account balance to allow the bank to write off funds to repay the debt. Technological progress does not stand still. Therefore, today you can top up your card in different ways. The choice of method depends on how quickly the money should be credited.

Terminals and ATMs

The easiest and most obvious way to deposit funds is to use an ATM or self-service terminal. All stationary branches of OTP Bank have modern ATMs with the function of accepting banknotes. To use the digital ATM menu, you must be authorized using a debit or credit card. With the help of a bank, you can not only transfer money to a card, but also repay credit payment. Money that was deposited through an ATM before 17:00 to repay the loan will be credited to the credit balance on the next business day. When depositing money after 17:00, crediting takes one day longer.

Money is credited to the card through an OTP ATM without charging a commission.

Cardholders can also deposit funds to debit card or pay off debt through self-service terminals. By following the active link, you can find the nearest terminal by installing the corresponding beacon on the map and selecting the desired city. To make a loan payment through the terminal, you need to follow simple recommendations:

• On the main page of the menu, click on the “Payment of loans” button.
• Go through the authorization procedure by entering the card number, account number or credit agreement.
• Click on the “Telecode” button and enter the last three digits of your passport number.
• In the list of active accounts, select the one whose balance you need to top up.
• Place money into the bill acceptor one banknote at a time.
• Click on the “Pay” button.
• Receive a check.

Before the procedure for crediting funds through the terminal, you must make sure that you have banknotes of the required denomination, since the terminal is not programmed to issue change. Current tariffs for services can be found

Salons "Svyaznoy" and "Megafon"

You can also top up your card balance in stores of the Svyaznoy mobile network. The procedure for crediting funds to a credit account is carried out using payment system"Rapida". To carry out the operation, the cashier must present your passport and dictate the account number, consisting of 20 digits. The transaction is completed the next day, and the commission is 1% of the total payment amount. You can also pay off your debt at Megafon retail outlets. Money is credited to the account on the next business day, and the amount of the commission for the service is reported by the cashier immediately before confirming the payment.

"Unistream"

Through the Unistream service, borrowers can repay debt on a credit card or consumer loan. Money is credited the next day. The advantage of this method is making a payment without charging a service fee

Postal transfer

At Russian Post branches, OTP clients can deposit funds into a debit account or repay a loan that was issued for the purchase of goods and services. To be able to carry out the operation, you must print the electronic form in advance. postal transfer. With a filled bank, you should contact the post office operator. In this case, the department must operate according to the CyberMoney program. The form can be obtained at a retail outlet when applying for a consumer loan or requested to be sent by mail. The disadvantage of this method is the duration of the transfer: up to 5 working days. However, there is a plus: no commission.

Via Rostelecom

At Rostelecom sales and service centers, customers can not only repay debts, but also top up their accounts. Funds are credited to the balance and the transaction is completed on the next business day after the funds are deposited. The commission is 1% of the amount, but cannot be less than 50 rubles.

In the stores "Eldorado", "M.Video", "Domo"

A similar procedure can be performed at the checkout. retail outlets three largest networks: Domo, M.Video and Eldorado. Money is credited to your balance within one business day, and the service commission is 1% of the total amount.

Online channels for card replenishment

The most popular way to top up your balance online is an instant transfer from card to card. Funds can be transferred from the account of any Russian bank. The advantage of this method is the instant transfer of funds. However, there is a downside: the transaction fee is as much as 2% of the total payment amount, which is double that of most recharge channels. Within 24 hours, the client can initiate payments up to 15,000 rubles. The procedure is carried out with the functional support of RNCO Payment Center. The operation is possible if the cards are linked to international payment systems.

Service "Golden Crown"

Using the well-known payment service “Golden Crown”, you can top up your balance at representative offices of popular networks, including: MTS, Beeline, Know-How and many others. The commission fee for services is 1% of the payment amount, while the payment is processed within five minutes, and funds are credited instantly.

A cash receipt is a document confirming the fact of depositing funds. You must keep the receipt until the money is credited to your account.

When using the service for the first time, the client must dictate the account number and contact mobile number. After the operation, the system will remember the data. And the next time you use the service, it will be enough to dictate only your phone number. To carry out the transaction, you must have your passport with you. By calling the support service, you can check the status of the transfer:

You can also track the payment status on the official website of the service.

Terminals and Qiwi wallet

If you have a QIWI e-wallet, you can transfer funds using this site. This service does not provide the most favorable conditions, charges a commission of 1.6% or at least one hundred rubles. In case of payment by card number, payment is processed within two days.

Via Eleksnet

The Eleksnet payment system charges a commission of 0.95% of the payment amount for transferring funds to the OTP balance through an online service. When using the terminal, the commission fee increases to 1.4%. When making any payment transfer, the service awards promotional bonuses.

Bank transfers

You can also top up your OTP debit or credit card account at a branch of any Russian bank by providing the cashier with your payment details. The term for crediting funds is not fixed and depends on the selected payment bank. On average, payment processing occurs within 2-5 business days. The size of the commission also depends on the bank’s internal tariffs and is announced before confirmation of payment.

Through the accounting department at the place of work

To initiate the transfer of funds to a specific account number through the accounting department, you must contact the company’s accountant with a request to issue a sample paper application. After writing and submitting the application, the accounting department will credit the agreed amount to the card balance on a monthly basis. Before deciding to top up your account in this way, it is recommended to clarify in advance whether the company charges a commission for such a service and how long it takes to process the payment.

Thus, we can say with confidence that every OTP card holder can find the best way for them to credit funds to their debit or credit card, regardless of your place of stay and region of residence.

Having taken out a cash loan, each person needs to understand that he needs to pay monthly payments on time. Otherwise, penalties will begin to accrue. To avoid such problems, you need to find out in advance how you can pay off the debt and choose the most convenient method. In this article you can familiarize yourself with the methods of repaying a loan at OTP Bank.

Submitted financial institution, has developed a phone application especially for its clients. It is an excellent alternative to Internet banking (which is also available to clients of this organization).

In this application you can quickly carry out money transfers, track information on loans, and also find out the location of the nearest ATMs and branches. The banking application is available for installation on Android and iOS.

Debt repayment process:

1. Install the application via the App Store or Play Market.
2. Open.
3. Log in(authorization data is specified in the contract).
4. Go to the section " Loans».
5. Here you can find out the exact size, the required payment.
6. Click the payment button.
7. After this you will be presented with all available options.
8. Select suitable option and perform the operation.

How to pay for a loan via the Internet online OTP Bank? E If your money is stored on a bank card serviced by another financial institution, you can make a payment using it. However, for such an operation a commission of 2% of the amount will be charged. The money will arrive instantly (in some cases, delays of up to one day are possible).

Payment procedure:

1. Log in in Yandex.
2. Go to the menu.
3. Go in payments.
4. Select an item "Credits".
5. Enter a name lender (OTP Bank).
6. Enter the required information.
7. Specify the size of the transfer.

It is also worth noting another way to repay a loan in cash. It is done at a branch of any bank (it is better to pay at OTP bank, since other organizations charge a commission). Payment is made as follows:

• Take your passport.
• Go to any bank branch.
• Name loan agreement number.
• Specify payment amount.
• Fill out the receipt about payment.
• Give the receipt and money.
• Take the check.

4 ways to pay for an Avon order through Sberbank Online -

What documents and information will be required?

To repay a loan in most of the methods presented in this article, you will only need a loan agreement. In this document you need to find the loan agreement number, which will be needed when making a payment using any method. And also when paying in cash at a bank branch, you will need the borrower’s passport. No other documents will be needed to pay off the debt.

Video: how to pay a loan online at OTP Bank?

Today, one of the most famous banks in the country is Sberbank, since according to the latest data it ranks first in the number of clients in our country. More than 70% of Russians resort to its services and use its products every day.

How to pay for an OTP Bank loan through Sberbank Online? Sberbank is one of the few branches that maintains partnerships (and sometimes even friendly relations) with its colleagues and competitors. Thanks to this, his clients can easily pay for the services of other credit institutions using his services.

One of the many partners of Sberbank is OTP. Despite the fact that this financial organization appeared on the market not so long ago, and in terms of the number of clients it occupies only 52nd place in the overall rating, every year it moves to the top in terms of the number of clients.

Of course, there are different ways to pay debt obligations to an organization. However, the most convenient, profitable, reliable and fastest is to carry out the transaction through the Sberbank-Online application.

What are the main advantages this type of loan repayment provides users with:

1. Reliability. When transferring loan repayments from other banks, the money does not always arrive in the client’s loan account on time. The organization guarantees that within 3-5 working days (that is, excluding Saturdays and Sundays) the money will definitely arrive in the account;
2. Benefit. Upon repayment accounts payable The commission is withdrawn through another bank. Compared to other banks and the commission of OTP itself, this is quite low percentage;
3. Convenience. To pay your bill via mobile application Sberbank user will need from 3 to 5 minutes of personal time. You can pay almost instantly (using a barcode or Quick Response code). Moreover, by spending an extra 5-7 minutes of time, the client can set up automatic payment. If you don’t want to do this for any reason (for example, instability of the amount monthly payment), you can create a template (add to favorites). Then all you need to do is log into the application on time, adjust the amount in the template and click the “pay” button;
4. Speed. The client needs to spend very little time paying off the credit institution’s debt obligations. It is also saved during an almost instantaneous transaction of funds from the account of one bank to another.

Commissions when paying for a loan from OTP Bank

How to top up OTP card bank without commission? As mentioned above, third parties always charge a fee for paying off accounts payable. Sberbank is no exception and also retains a certain percentage for the operation.

Important! When paying OTP bills, the commission is only 1%.

OTP users are forced to pay a commission even when repaying a loan through a branch or terminal of their own credit institution. According to the latest data, the commission amount at the beginning current year ranged from 70 to 900 rubles. Therefore, most users try to pay off their loans in this way.

Algorithm of actions for paying off an OTP loan through Sberbank-Online

There are two ways to pay for an OTP Bank loan using the Sberbank-Online service. Through a mobile application or directly on the Sberbank website. How to do this? Let's sort it out detailed instructions on working with the site.

Important! If up to this point a person has not been registered in the system, he will need to register first. To do this, you will need any bank card and a mobile phone to which the card is linked.

After entering the card number (during registration) or login (during authorization) on the cardholder’s mobile phone you will receive a one-time code. By entering it, a person will find himself in his personal account.

At the top of the screen(immediately below the department logo) there is a green line with tabs. In it, a person needs to find the “transfers and payments” tab and click on it.

Having crossed it, a menu will appear in front of the user(list of) available services. Find the section “Repaying loans in another branch” and select it.

A new menu will appear in the open window. You can find the organization you need simply by scrolling through the list of all banks. It will be faster to use the search. To do this, scroll down a little in the window that opens and find the “Search” button. Below it there will be a line where you should enter either the TIN of the credit institution, or simply write “OTP” and click on search. A window with available organizations will appear in front of the user. You need to select “OTP Bank”.

In a new window you should carefully fill out the form provided by Sberbank. Select the account or client card from which the debit will be made. Enter the payer's contact information (last name, first name, patronymic and address) and OTP client contact information (last name, first name and patronymic).

Once the client fills out all the data, the service opens a confirmation form. A confirmation code will be sent to the payer's mobile phone.

The operation was successfully completed. If for some reason the user cannot complete the transaction via a computer, this can also be easily done through the mobile application.

Is it possible to use a mobile application, nuances

There is nothing complicated about paying off a loan. Even an elderly person can cope with this.

To perform the operation you need:

• enter;
• at the very bottom of the screen there is a dark gray menu bar. Find the “payments” icon and click on it;
• there are three here possible options : payment by transfer to an account in another branch, payment to a card in another bank, or payment by QR or barcode;
• If you pay for a loan using an OTP Bank card, you need to select the desired section. Here, in the same way, there are two options - payment is made using the card number or the mobile phone number of the borrower of the OTP branch. We choose the most convenient method and enter the data (card number or phone number). In the new tab, enter the amount and confirm the payment;
• An allegorical procedure must be followed if a person decides to pay a debt using funds from an account in another branch. You will need to enter your account number and complete the transaction;
• the easiest way is to make payments using a QR code (square) or barcode. To do this, you simply need to scan the code using your device, enter the amount and complete the transaction.

Important! To ensure that the client does not waste time entering the same data in the application every time, it is possible to enable automatic payment.

Connecting automatic payment

What is auto payment is the automatic payment of a bill or service (for example, a utility bill or a mobile phone) without any human intervention. Automatic payment can be completely automatic (when on a certain date funds are written off from the cardholder’s account and transferred to their destination).

The second option is when on the appointed date or the day before an SMS notification is sent to the account owner’s phone number with the required form to make the payment. If the person confirms it, then the money is written off and transferred to its destination. If it is rejected, no debit or payment occurs.

You can connect it through the mobile application or on the website. After the first payment is made, the system itself offers to activate auto-payment. If the payer agrees, he enters the information (payment date, amounts, notification) and connects.

In the second option, you can add this service yourself. You need to log in to the system and select the “automatic payments” tab. After clicking on it, click on the “connect” icon, and then enter the data to carry it out. When the loan is fully paid off, the person can turn it off.

Important! The service is provided absolutely free. Often, a few days before the next payment, the system sends an SMS notification with a reminder.

Watch a video on how to pay for any loan through the Sberbank mobile application: