OTP Bank is a representative of an international financial group with a leading position in the market credit services in Europe.

It offers clients a variety of entrepreneurial services. It is also one of the fifty largest Russian banks.
This organization is a participant in the insurance system cash deposits and a member of the Moscow Exchange, and in addition is a member of the Association of European Businesses and the National Stock Association.

Today this bank has almost four million customers.

Users are served through networks consisting of ninety-six offices and one hundred and ninety-five ATM networks.

The main task of this bank is to build long-term relationships with borrowers based on trust.

The client can take out a cash loan. Calculation credit limit and payment schedules are made individually.

At early repayment There is no additional fee for the loan. You can apply for a loan both on the official website and at one of the bank branches.

Important! We also offer small business loans without collateral and short time. This is a great option for small companies. To receive such a loan, leave an application on the bank’s official website. Rest assured that payment will be provided on time.

To receive a loan, you must provide the following documents:

1. Passport, as well as TIN.

2. To receive a loan, pensioners must provide a copy of their pension certificate.

3. To confirm your income, provide a copy of your savings book or a certificate of the amount of the pension you receive.

4. Individual entrepreneur in addition to the registration certificate, he must provide a sheet from the register of all individual entrepreneurs.

5. To take out a loan in the amount of two hundred thousand to four hundred thousand rubles, the employee must provide work book, previously certified by the employer.

To take out a loan in the amount of more than four hundred thousand rubles, you will need to provide a certificate of income according to bank form.

Important! The bank has the right to require additional documentation from clients, for example, the TIN of the company where the potential client works.

This information is needed to check the movement of assets in salary accounts. Men over twenty-seven years of age must present military ID.

When contacting the bank, prepare all possible documents, for example, a copy of your driver’s license or international passport.

Types of loans

The bank's clients are offered an excellent cash loan. This loan can be taken for any purpose.

The agreement is concluded in one of the bank's offices. The loan is paid in equal installments.

The loan can be repaid ahead of schedule either in parts or in full.

Here are the conditions under which such a loan is issued:

• the maximum loan amount reaches seven hundred and fifty thousand rubles;

• the minimum period for which you can take out a loan is one month, and the maximum is five years;

• Such a loan can be taken out in rubles.

To receive such a loan, the user must provide documents to confirm income: a certificate on a bank form, as well as personal income tax.

The client must also have a certificate from the nearest pension fund.

Here are the main requirements for the borrower when receiving such a loan:

1. He must be between twenty-one and sixty-eight years of age.

2. You must have at least three months of work experience in your last position.

3. The user must be registered in one of the regions where the bank branch is located.

1. Large families“Preferential” loan is offered.

This offer is relevant for borrowers who are married and have more than three children.

• The terms are the same as a great cash loan.

• The rate depends on the period for which the client took out the loan.

• If the user took out a loan for a period of one to twelve months (with a guarantor), then the amount interest rate will be ten percent.

• A client who takes out a loan for a period of thirteen to twenty-four months is offered a rate of fifteen percent.

• If the user took out a loan for a period of twenty-five to sixty months, the rate will increase to nineteen percent.

• When taking out a loan without a guarantor for up to twelve months, the rate will be fourteen percent.

• If the user took out a loan without a guarantor for a period of up to twenty-four months, the rate will be eighteen percent.

• When taking out a loan for up to sixty months, the rate increases to twenty-three percent.

2. Express loan.

For those who urgently need money, for example, for treatment or vacation, this type of loan is offered.

To apply for it, you only need a passport. Bank employees will make a decision within a few hours.

The only drawback of such a loan is the high overpayment of up to seventeen percent.

The terms of the loan are as follows:

• This loan is issued in rubles.

• You can take out a loan in an amount of fifty thousand rubles.

• The maximum amount of such a loan is fifty thousand rubles.

• For early repayment, no commission is charged to the user.

• The maximum loan term is five years.

Important! When users take out a loan for up to twelve months, the rate will range from seventeen to thirty percent.

When taking out a loan for sixty months, the rate ranges from twenty-five to thirty-five percent.

Applying for a loan online

For those who are accustomed to filling out an application for banking services online, you should use our service.

Here are the main benefits of filing a remote application:

1. You can serve online application to obtain a loan in various ways.

2. Clients can review the decision upon request one day after submitting the application, which helps save a lot of time in case of refusal.

3. The user saves a lot of time and money.

4. You can apply online, wherever and whenever you want. To fill out the form, you only need a passport and an Internet connection.

OTP Bank loan repayment

In addition to repaying loans through the terminal, there are several payment methods:

1. You can pay for the loan on the official website using a bank card. The money will be credited within a day. The commission amount is two percent.

2. You can also repay the loan through a QIWI wallet. The commission amount is one and a half percent.

3. You can pay your loan in retail networks, who are partners of the Golden Crown. The money is credited instantly, and the commission amount is one percent.

4. Another way to repay a loan is online wallet Eleksnet. The commission amount will be one and a half percent.

5. You can also transfer money from the account of one of mobile numbers MTS, the commission is two and a half percent.

6. Alternatively, repay the loan from the Yandex money e-wallet. Specify the commission amount when paying.

7. You can repay your loan using payment system Cyberplat. The commission amount is one and a half percent. Money is credited in one day.

8. You can also pay for a loan in MegaFon stores. Payment arrives within a few days. The commission is one percent.

Important! You can also negotiate with your employer and ask for an automatic payment to be sent from the accounting department to repay the loan.

Ways to find out your loan balance

Here are several options for finding out your loan balances:

1. So, to identify the loan balance through an online bank, go to your account on the official page and enter the password issued after concluding the loan agreement. There is no charge for this service.

2. You can also download a special application for mobile phone.

This service is analogous to an electronic bank. When working with this add-on, use the same password as when working with online banking.

If there is no Internet, use the SMS banking service.

Thanks to this service, you can quickly get the necessary information on loans: just send an SMS with the word “loan”.

3. You can check the loan balance by contacting the employees help desk– to do this, call 0707.

For subscribers of Russian mobile operators, such a call is completely free. This service is 24/7.

Important! Information on debt is also provided at one of the bank branches.

Finding out where the nearest bank is located is very simple: by going to the official page, select your city and click on “bank branches”. As a result, the client will see a map showing the nearest bank branches.

What are the loan offers for today?

Here are the current offers from this bank today.

1. So, you can take out a loan using the Express scheme.

Under such a program, the user does not require financial support.

The application is reviewed within several days. There are no fees or commissions, and there are no cost controls.

The minimum bet is thirty-five percent, and the maximum is sixty-four percent.

You can take out such a loan in an amount of fifteen thousand rubles. To receive a cash loan under the express scheme, it is not necessary to present a certificate of income received.

2. Cash loan with a full package of documentation.

The annual rate is at least twenty-three rubles. You can take out such a loan in the amount of forty thousand Russian rubles.

To get a loan, be sure to provide a certificate of salary.

Important! Employees and pensioners over twenty-one years of age can apply for a loan under a similar scheme.

However, the user must be at least sixty-five years old at the time of loan repayment.

The length of service must be longer than the probationary period, that is, you must have worked at your last job for at least three months.

So, getting a loan from OTP Bank is very easy. To do this, please provide Required documents to obtain a loan and follow the recommendations given in this article.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. the federal law dated July 27, 2006 N 152-FZ “On Personal Data” is not violated.

For all users who are clients of OTP Bank, there is good news: you can manage your bank accounts, cards, loans, deposits without visiting the office yourself, and at any time of the day.

Don't you like wasting time waiting in lines, looking for ATMs around the city and contacting a specialist who will try to sell you as many banking products as possible?

Manage them all OTP capabilities Bank yourself at home, and select the services that you like. Application for mobile OTP The bank will allow you not only to view information about your accounts, loans, debit cards, but also to carry out Money transfers, pay directly from the card for mobile communications, home television, telephone, Internet, utility services, and even buy tickets for transport, cinema and theaters.

This is not all that is available to each client in the application. The software is designed in white and green colors, easy to use and easy to work with. Having navigated the menu, select the item that interests you, for example, transferring money, then select the parameters, and then the system will offer you detailed and understandable instructions on how to make a money transfer.

Features of the OTP Bank application

• Full management of your deposits, loans, debit and bank cards. You can carry out any operations and view detailed data online.
• Payment of loans, transfer Money to other accounts and cards of any banks, in various directions throughout the country.
• Easy to use mobile banking: Enter your own password to log in and use all the services available to each client.
• Payment for communication services mobile operator, Internet, landline telephone, housing and utility bills, tickets, online shopping, electronic wallets etc.
• Information about the period when it is necessary to deposit funds to pay the loan.
• Details about each service you used in your payment history.
• The ability to transfer funds between your own accounts and much more.

The OTP loan application is one of the bank’s features that allows you to manage bank account wherever you are.

A credit organization in Russia, OTP-Bank is part of the financial group OTP Group, the largest provider of services in this area among residents of Eastern and Central Europe.

One of the leaders in banking sector, participant of the deposit insurance system, OTP-Bank successfully works with corporate clients And individuals. For the convenience of borrowers, working methods are periodically modernized.

Lending to individuals

Working with citizens is one of the priority areas of OTP-Bank.

In 2020, a wide range of loans is offered depending on the initial needs and capabilities of the borrower, including:

• issuance of bank cards;
• consumer loans in stores when shopping.

You can submit an application to receive funds when visiting the bank or through Personal Area on the organization’s website after authorization.

Registration is fast. After sending the request, the result becomes known within 15 minutes. After approval, you can receive money at any branch of OTP-Bank.

Applying for a credit card in 2020 is similar to the procedure for confirming a loan. OTP-Bank offers clients to use any of the types credit cards with the availability of such popular ones in 2020 bonus programs like cashback and Grace period lending.

Requirements for clients

Most able-bodied citizens can become clients of OTP-Bank. The requirements for borrowers did not change in 2017, including:

1. The applicant must be at least 21 years of age.
2. The region of residence must correspond to the location of the department.
3. Having a permanent job for at least 3 months at the time of submitting the request.
4. Citizenship of the Russian Federation.

In some cases, the requirements may be slightly adjusted. For example, for entrepreneurs and notaries, the minimum age for lending is 25 years, while the length of service labor activity- from 12 months.

In order to receive a loan in 2020, you will initially need to provide a package of documents:

• passport of a citizen of the Russian Federation;
• SNILS;
• TIN certificate;
• certificate of income from the last place of work;
• copy of the work document.

• pensioner's ID;
• Unified State Register of Entrepreneurs (USRIP) certificate of registration of an entrepreneur;
• bank account statement showing the amount of income.

Repayment methods

• in bank branches;
• through translation services;
• through electronic wallets;
• in post offices;
• through ATMs;

The most convenient way to repay payments in 2020 remains to pay online through Internet banking or using a mobile application.

Mobile application from OTP-Bank

OTP-Bank, taking into account the wishes of clients, launched a special OTP loan application for computers and mobile phones, allowing clients to perform a number of functions according to their obligations.

Using the application, you are asked to perform the following operations:

1. Bank transfers to cards of any banks.
2. Payment of utility services.
3. Performing transactions on deposits, including opening and closing accounts, statement of balances, monitoring accrued interest.
4. Tracking credit card transactions, blocking accounts.
5. Work with debit cards, account details.
6. Transfer funds within your own accounts.
7. Setting up automation of payments and transfers.
8. Management of credit balances, automatic payment of debts according to schedule.

Internet banking provides great opportunities for managing your own financial resources without leaving home.

There is also a mobile analogue of the program, which is supported by the Android and IOS operating systems. Downloading and installing the program on mobile communications devices is quite easy.

After which all the possibilities of remote Internet banking become available to you.

Mobile app It is worth installing OTP credit on your phone for the following reasons:

1. Possibility of promptly obtaining data from any location of the bank client. You don’t have to be at home or visit the nearest branch to get the information you need.
2. The mobile application will provide you with information about the nearest ATMs or bank branches.
3. Remote work with all available banking products- deposits, accounts, transfers, payments and others.
4. Obtaining current exchange information, including exchange rates.

The phone application from OTP Bank allows you to receive more timely information about available banking resources, carry out transactions anywhere in the world.

The official name of this program is OTP Smart. You can download it using a link from the official website on Google Play or by going to the Play Market and entering a query with the name of the application in the search bar. Once you install it, you can start using remote banking services.

Now it is not at all necessary to have a personal computer with Internet access at hand, or to visit bank branches. All you need is a mobile phone and an Internet connection on it. The client has round-the-clock access to his funds, which he can manage at any convenient time.

Carry out bank transfers between your accounts, to the accounts of other bank clients, as well as to the details of third-party banks in Ukraine. In order to start enjoying all the benefits of the application, you must first go through authorization by entering your username and password, and then click on the “Next” button.

After successful authorization, information on current accounts will become available to you, depending on what credit cards you have and what bank services you use. Each type of service has its own group: accounts, cards, deposits, loans. The OTP Smart application menu is represented by the following items: “My Accounts”, “Cards”, “Deposits”, “Credits”, “Transfers”, “Payment Archive”, “Information”.

The “My Accounts” section displays the current account balance. By selecting the “Cards” item, you will see complete information on the available cards, you will be able to view the statement, make the necessary transactions with the credit card: “Statement”, transfer “Between your accounts”, “Inside the bank”, “Across Ukraine in hryvnia”, “Payment for services” "

By opening a card with branches and ATMs, you can get detailed information for each point by clicking on the corresponding icon. Choose the bank branch or ATM that is most conveniently located for you.

The OTP Smart application gives the client a whole range of possibilities

• implementation instant transfers between bank accounts;
• transfer of funds according to details, including to credit cards of third-party banks No.
• replenishment and withdrawal of funds from existing deposits;
• repayment of loans;
• payment for mobile communication services, game accounts;
• control of the balance of funds and their movement;
• receive details of your accounts, view their statistics and statements.

OTP Credit– a program from the official manufacturer OTP Bank. The application is designed specifically for bank clients; it allows you to track the status of credit cards and pay debts on them. It also has a detailed schedule with dates for making next payments. The presented program is intended for mobile devices with the Android operating system.

How to use OTP Credit

To view the loan status, the user must register in the system. In this case, you need to enter the mobile phone number that was previously specified in loan agreement. It is to this number that the system will send a registration code; you must enter it in the appropriate field and log in. After successful registration, the user will be able to see his active loans and the amount of debt on them.

Information on the payment schedule will be available on the main screen, as well as possible late fees (if the client has not paid the loan on time). In addition, it is possible to pay the loan directly in the application, transfer the required amount possible with any plastic card Russian banks. To do this, just press a few keys. OTP Credit also has additional settings, where you can set a reminder about the upcoming date of the next payment.

How to get a loan

In addition, the program allows you to pay off loan debts and apply for your next loan online. To do this, you need to submit an application, after which one of the bank’s representatives will contact you and inform you of the result (will approve or refuse to issue a loan).

Main features

• OTP Credit – designed for OTP Bank clients;
• Applies to official programs;
• Allows you to track the status of loans, pay off existing debts and apply for a loan online;
• There is a detailed payment schedule;
• Convenient and clear menu that even a beginner can understand;
• There are settings where you can enable receiving notifications about the upcoming payment date;
• Ability to find nearby bank branches on the map;
• Designed for mobile devices with the Android operating system of various versions;
• Distributed free of charge.