OTP Bank is a popular financial institution. A popular bank not only because of a fairly wide range of services, but also because customer service is in the first place. OTP is one of the few banks that provides its customers with a loan balance check. OTP Bank creates conditions for this and provides several opportunities. Today, an article on the site will tell you how to view the loan balance at OTP Bank.

Check loan balance - ways

In order to find out the balance of the loan in OTP Bank, there are several ways:

• Call the customer support service, the service works 24 hours a day, seven days a week.
• Register in the OTP Direct system, this system is an Internet bank in which it is possible to remotely carry out operations on accounts, including checking the balance of the OTP bank loan.
• In OTP Bank, it is possible to find out the balance of the loan using a certificate that you need to order on the website of a financial institution.
• Send a question by email - [email protected], in the request it is necessary to indicate the last name, first name, patronymic, passport data, contract number and formulate a request.
• Using the voice system in OTP Bank, you can also find out the balance of the loan, for this you need to log in to the Skype program and add a contact - otpbank_russia.
• In OTP Bank, you can also see the balance of the loan at the office of a banking institution; for this, you will need to present a passport of a citizen of the Russian Federation to a specialist.

As you can see, in the OTP bank, you can find out the balance on the loan, perhaps different ways and, of course, each client will find an acceptable option for himself.

View the balance of the loan without going to OTP Bank

Let's talk in more detail about how to view the loan balance in OTP Bank. So, for many customers, the best option to get information is to contact the call center by phone. But here you need to know some nuances.

• If you applied for a consumer-type loan in a store, then you will need to - switch the phone to tone mode and dial the phone number - 8 800 200 70 05 (calling within Russia is free), then press the number two, then enter the number of the loan agreement, press the button asterisk and enter your personal telecode. The telecode consists of three digits and is provided during the execution of the contract. If you do not know your telecode, then there is a secret, if you did not change it at your discretion, then the code will be the last three digits of your passport. In order to change the code, you must dial the same number, 8 800 200 70 05, then the number two, enter the number of the loan agreement, press an asterisk, enter the old telecode, press the number four and enter a new code, at your discretion.
• If you are an OTP bank credit card holder, find out the balance of the loan as follows - put the phone into tone mode, call 8 800 200 70 07, press the number two, enter the card number, press the star and enter the telecode. If you want to change the telecode, then number 8 800 200 70 01, number two, contract number, asterisk, enter the old telecode, number four and enter a new telecode. By calling the OTP Bank hotline, you can find out the balance on the loan within literally three minutes. In the call center you can specify the amount of the next payment, the date of making payments and find out the date of repayment of the loan debt.

Express balance sheet

In order to find out the balance on the loan at the OTP bank through an express reference, you will need to visit the official website of the financial institution and order a detailed statement. Make it possible for home page official site, in the section - control funds. The system will ask you to fill out an extract form, in which you will need to indicate - the contract number or credit card number, telecode, and one-time code. The one-time code is located after all the required fields and is required for user authorization.

SMS banking OTP Bank

Currently, there are a number of developments and technologies that allow you to manage your accounts without leaving your home or office. Since the protection of such resources is at a high level, you can not worry about disclosing information. One such technology is SMS-backing.

Using SMS, you can check the loan balance in OTP Bank or pay utility bills or Internet access, transfer cash both between your own accounts and to an external account, or, for example, you can block credit card. So, how to check the balance of an OTP bank loan using SMS? Very simple.

To number 5927 send an SMS message with the text "credit". In order to get full access to SMS backing, you need to send the “help” command to the same number.

OTP bank loan balance – OTP Direct

Clients who have signed a contract for receiving funds or opened an account or made a deposit are automatically connected to special program Internet banking - OTP Direct, which we mentioned in the article - how to activate an OTP card. This service is a wide range of options for managing your accounts, much wider than, for example, SMS bucking. When using OTP Direct, the client gets the opportunity to find out the balance on the loan and carry out a number of operations without visiting the office of a financial institution.

In Internet banking, after completing a simple registration procedure, you will be able to:

• Get statements on deposits, loans, debit card, credit card, for the period of time you specified.
• Get information about cash flow.
• Pay loans, fines, purchases online.
• Transfer funds from account to account, transfers are made both between your own accounts and to private accounts of other banks.
• Find out the details that are required for payment.
• Find out payment terms.

And much more. Of course, for the new generation, managing accounts via the Internet is a very convenient service, which also saves time. Through the OTP direct system, you can check the balance of the OTP bank loan in a matter of seconds.

Customers will be able to find out the loan decision at OTP Bank within 15 minutes after submitting an online loan application. The bank reports the final answer within 24 hours after receiving the questionnaire. For commodity loans, the average consideration period takes 30-60 minutes, no more. The deadline for consideration of the questionnaire on consumer loans is 3 business days from the date of application. If OTP Bank did not report a decision after the expiration of the specified period, it can be concluded that a negative decision was made on the application. Before applying to another credit institution, the client must make sure that OTP Bank has considered the application and decided to refuse to issue money.

How long does it take for OTP to respond to a loan?

Don't know how long to wait for a loan approval at OTP Bank? Typically, the organization reviews the questionnaire within the first day after receiving it. A preliminary application for a loan is considered within 15 minutes after its receipt.

The bank accepts the final answer within a maximum of 3 days. If the creditor does not make a decision within 3 working days after receiving it, he will significantly violate his own standards.
For commodity loans, the bank is ready to announce the decision as soon as possible. Here the client will receive a final answer within 5-30 minutes after submitting an application at the office of the partner store.

How can I get a loan decision?

OTP Bank informs borrowers about the preliminary decision in 2 ways: during a telephone conversation, via SMS. The first option is usually used in case of a positive bank verdict. If the answer is negative, the OTP always sends an SMS with a refusal.

The client usually receives the final answer on the OTP Bank loan in the form of an SMS notification or a call. If you do not know how to find out the decision of OTP Bank on a loan, you can use one of the methods below:

• Call the free number of the contact center: 8800-100-55-55 or 0707 and ask the relevant question to the operator. In the autoinformer menu, the client needs to select the number "0" to connect with the employee. During a telephone conversation, the borrower must introduce himself, provide passport data. After identification, the operator will call the status of the application.
• Come to the office of a credit institution and ask to check the status of the application of any bank employee. You need to have your passport with you.
• You can find out the decision on the application for a loan at OTP Bank via Skype. The client needs to add “otpbank_russia” to his contacts and make a call. After identification, the operator will report the status of the review.
• The client can send a corresponding request to the bank's e-mail: [email protected] or through the feedback form on the site.

The fastest and most convenient option to find out the loan decision at OTP Bank is to call the hotline or via Skype. This procedure will not take the client more than 5 minutes.
According to the terms of lending, OTP Bank has every right to refuse a loan to a borrower without giving reasons. The same right is reserved for the creditor by law.

Banks are simply afraid for their "security". In their opinion, borrowers who were denied a loan and were told the reason for this can carefully analyze the reasons for the refusal and next time bypass certain requirements of the lender by “embellishing” information about themselves. OTP Bank and other organizations are afraid of an increase in consumer credit fraud.

Does OTP Bank really notify customers about the decision or does it forget about them?

The credit organization always informs about the decision made by phone or via SMS notification. Most often this happens not after “15 minutes”, as indicated on the official website of the lender, but after 12-24 hours, but still the lender notifies the borrower.

What to do if OTP refused a loan?

If the lender makes a negative decision, the borrower can take the opportunity and apply to another organization. Despite the fact that OTP Bank can be attributed to loyal lenders, they are not ready to provide loans to borrowers with a low credit rating, high debt load, criminal records, etc.

The most common reason why OTP Bank refuses to provide a loan is too much debt. When assessing solvency, the bank calculates monthly income and customer costs. If the borrower's expenses for repayment of all loans exceed 30-40% of his income, then he will definitely be denied a new loan.

The financial situation of the borrower is not the only factor in issuing a loan. Marital status, credit history, the presence of a client on the black list of the bank, and length of service in the current place also affect. All these factors are analyzed together and a scoring score is determined. If it is low, then the loan application will be rejected. scoring can be determined independently using a special tool - a scoring calculator
See also: Credit scoring online. Calculation of the scoring score.
The right decision in this case would be to repay at least one of the loans in full, or apply for a loan under the refinancing program. In this case, the borrower will be able to reduce the financial burden and receive additional money. These loans are provided by many credit organizations: Tinkoff, VTB-24, VTB Bank of Moscow, Alfa-Bank, MKB, Eastern Bank and others.

Application for a loan at Sovcombank

Cash loan at Tinkoff bank

Application for a loan in Rosbank

Application for a cash loan at RenCredit

How long does it take to reapply?

The client will be able to apply to OTP Bank to re-apply for a loan after 1 month from the date of the announcement of the verdict on the previous application. The bank states that if the client wants to apply for another loan product, or significantly change the amount / term for the current one, then you can submit a new application the very next day after the adoption of a negative decision, without waiting for the expiration of the monthly period.

The bank will refuse again if no significant changes have occurred in the financial life of the borrower - the salary has not changed, the debt burden has not changed.

The bank can make a positive decision if the client was promoted up the career ladder, or simply increased his salary, if the borrower purchased real estate or a car, significantly improved his credit history by repaying another loan, reduced the financial burden, etc.

If you need to check the debt loan from OTP Bank you can choose one of three possible options:

• contact the call center;
• institution office;
• find out through internet banking.

Let's consider each of them in more detail.

OTP loan - find out the balance at the bank branch

To find out debts on loans, you must provide a bank employee with an identity document. As a rule, this is a civil passport. It is also advisable to have a loan agreement with you. This will allow the manager to quickly find the data and calculate the balance of the debt. The amount of debt on the loan includes the balance of the body and the amount of accrued interest (as of the date of repayment). If you have a delay, then you also pay off the penalties.

If you have connected the OTP Direct remote access system, then you can find out if there are loan debts on your own. To do this, enter your page and go to the "Credits" section. All the necessary information is displayed here:

• date of issue of the loan,
• the amount of the monthly payment,
• current balance,
• the amount of interest.

OTP Bank JSC occupies the 2nd place in the Russian POS lending market and the 7th place in issuing credit cards. Clients banking organization are more than 3.9 million citizens. Next, we will consider how to find out the loan balance at OTP Bank by the agreement number.

OTPBank cares about borrowers, they must make a minimum of effort to resolve their requests, so you can find out about repayment and the current balance in any way:

1. Internet-bank "OTP direct";
2. Mobile application "OTPdirect";
3. A special application for those who have issued an OTPcredit loan;
4. SMS bank;
5. Branch of a banking organization (information is provided only by passport, if you came without an agreement, then perhaps the data will be found by last name);
6. Chat with a consultant on the website or via Skype (otp_russia);
7. Ordering an express reference by account number using the feedback on the website or in internet-bank (be prepared to provide passport details, No. of agreement / plastic);
8. You can also write to support - [email protected]

In the branch of OJSC OTP, it is possible to ask about the status of the debt, immediately pay off your debt and receive a certificate of closing the contract. Where to go, look at the website: download otpbank.ru, select your region and click on the button Branches and ATMs. If you only need to look at the balance, it makes no sense to go to a stationary service point. Remotely in the chat it is possible to find out the balance on the loan, the official website of OTP OJSC is otpbank.ru, create a message there and you will be promptly answered.

How to find out the loan balance via the Internet by the agreement number

Online information can be viewed in the following ways: internet-bank, a program on a smartphone, on the Internet resource of a banking institution, Skype, e-mail.

How to find out the debt on the OTP Bank loan via the Internet:

• Open OTPdirect, enter Internet-bank;
• Write down the data for authorization, the username and password are issued upon registration of the agreement;
• To recall the login, you need to contact the operator, and the password can be received on the financial phone;
• Go to the Loans section;
• Choose subsection Detailed information;
• The following data is available for viewing: No and date of signing the agreement, No of the account, initial loan amount, how much is left to pay, overdue debt and the amount of the fine, the balance of the payment, how much and when to pay, transaction history, planned schedule.

Algorithm for ordering express help:

For borrowers and credit card holders, it is advisable to download and install free app"OTPcredit" (available for Android, iOS). This will allow you to do the following:

• View the amount of debt;
• Find out about repayment, see the planned schedule;
• View payment details;
• Familiarize yourself with the addresses where you can deposit money;
• View the history of repayments and check whether the payment was fully completed;
• You can set up a payment reminder system;
• It is possible to transfer money as repayment from mobile phone.

You can view the balance on the website in the following ways:

1. Online chat, need no agreement / plastic and passport data;
2. Letter of support [email protected], you need to indicate your full name, date of birth, passport data, write a comment "how to check the balance of the loan";
3. Request a paid certificate of account status, in the Contacts section, select Order for the production of documents and fill out the provided form.

Find out the debt through SMS

In the absence of the Internet, it is possible to check whether there is a debt via sms, it is available almost everywhere, the main thing is the presence of a connection.

SMS command is sent to 5927, text:

• CREDIT - the balance of the credit account, how much and when you need to pay;
• REQ - request for details;
• HELP - list additional features services.

Take care of the connection in advance so that the service fully functions.

How to call a bank operator to find out the loan balance

It depends on the type of loan how to find out the balance on the OTP Bank loan by phone number:

1. 8800200 7001 - credit card details:

• You have been connected, press button 2, dial No. of the plastic card,
• press "*", dial telecod - it is formed when signing the agreement (certain numbers Passport No.).

1. 8 800 200 7007 - data on loans for the purchase of goods:

• press "2", drive in No of the loan / card,
• press "*", dial your personal telecod,
• procedure for replacing a personal code: press "4" and dial new 3 digits.

1. 8 800 100 5555 - the main contact of the support service, it is possible to find out information on cash loans, the corresponding section is under the number 2.
2. 07 07 is a short number for calls from a cell phone.

After repayment, be sure to contact the operator and check whether the debt has been fully repaid, whether there are any delays and other obligations, whether all transactions were completed on time. Or use any other way to check the status of your account. Checking the balance is a free option, it is recommended to periodically check the status of the account in order to avoid delays.

OTP Bank is very popular among Russians; thousands of customers have already received loans from it. Borrowers can find out the loan balance with several simple ways. How to clarify the debt by your phone number, we will tell below.

Most reliable way to find out information about your loan - contact the specialists directly at the bank branch. If it is not possible to come to the OTP office, you can use the SMS service. With it, it will be much easier to receive up-to-date data on the state of loan debt.

Important! Through the message, borrowers can find out the current balance of the debt, make transfers between accounts opened with OTP or third party bank, pay for housing and other services, block cards. How to check the balance of the debt on the loan account by phone number:

1. Send a message to 5927 with the text CREDIT, this way you can get only brief information.
2. If you need more details, write Help and send SMS to the same number.

The response message contains the requested information. This is a quick and easy way to find out the information you need about your loan balance.

Find out by calling

Check the debt consumer credit you can call the toll free number hotline 8 800 200 70 05. The call is available from both fixed and mobile phones. Before this, the device must be switched to tone dialing mode.

When the connection is established, press 2 and write the number of the consumer loan agreement, then put * (asterisk) and enter the telecode. This is a three-digit code combination that is issued to the client when signing loan documentation. If you want to change the current telecode, proceed as follows:

1. After dialing the hotline number, press 2, then the number of the loan agreement and *.
2. Enter the old telecode number, then 4, and then the updated telecode value.

To clarify the debt on a credit card, you need to call another phone number - 8 800 200 70 07. Commands are dialed in the same way: number 2, then *, then the credit card number, again * and telecode. The telecode is changed via the hotline 8 800 200 70 01 in the manner described above, instead of a loan agreement, a credit card number is entered.

How else can I get information about the balance?

A quick statement on a loan account can be ordered by calling 8-800-200-70-01. To do this, you need to call the specified phone number and inform that you need a certificate of the balance of the debt. it payable service, the extract is delivered by letter to the address Email borrower.

Customers who hold a deposit, debit or credit card with a loan at OTP Bank can use the special OTP Direct application for remote service. It contains complete information about all client accounts, including loan. The first page provides information about the status of the loan and the balance of the debt for payment.

In the application, the client has access to more opportunities, unlike the SMS service. You can see not only up-to-date information about loan agreement, but also to transfer money without contacting banking specialists.

To use this option, you need to go through a simple registration procedure. After that, the following actions will become available to the client in online mode:

• obtaining an extract of income and expenditure transactions;
• report for a certain period on any account - deposit, loan, credit or debit card;
• making payments - housing, tax, fines, etc.;
• clarification of the term of payment of the loan;
• obtaining information about payment details and many other actions.

The above is an incomplete list of opportunities provided in the personal account of OTP Bank. With it, you can transfer money not only within the bank, but also to the accounts of others financial institutions. All operations are performed in real time.