Loan repayment inevitably involves many nuances: from additional interest payment systems to the characteristics of the servicing bank. At OTP Bank JSC, loan repayment is no exception. This is why our article is useful: you will learn about various methods of making payments, understand how to correctly repay a loan early at OTP Bank and refresh your memory general rules interactions with the lending organization. Go!

At OTP Bank, loan repayment methods do not always imply the absence of commissions, and no one likes to pay extra interest to intermediaries. For OTP Bank clients, loan repayment without commission is available when using the following tools:

1. OTP self-service terminals. For this you will need:

• Select the “Payment of loans” item on the main screen.
• Additional details of OTP Bank are not needed to repay the loan in this way. You only need to know your number loan agreement, cards or accounts. Click on the preferred option in the terminal.
• Now enter the corresponding number: credit agreement, twenty-digit account identifier or sixteen-digit card ID. We also indicate the last 3 digits of the passport number by first clicking on the “Telecode” line.
• Your personal account will open. On the left side all connected banking products. Select the credit field and click.
• We place the money into the receiver, one bill at a time. Attention! The operation will be completed only after you click the “Pay” button at the bottom right of the screen.

2. OTP ATMs. You need machines with a cash acceptance function. The replenishment period in such a system will be up to 2 working days.

3. OTP cash desks. Be sure to have your ID and payment schedule with you.

4. Personal Area " OTP Direct" This is perhaps the most convenient way to repay a loan from OTP Bank via the Internet. When paying with a card from the same bank, you don’t have to worry about commissions.

Here are the instructions:

• First, let's go to the official banking portal.
• You won’t be able to register online – you’ll have to visit one of the organization’s offices.
• If you don’t have a receipt with your login or don’t remember whether you registered, “ hotline» 0707. Be prepared to provide your passport details. If everything is in order, the operator will dictate your login.
• A one-time password will come in the form of SMS - be sure to change it to another one, as indicated in the recommendation.
• Open the “Loans” tab - all fields will be filled in automatically, you just need to have a card with a sufficient amount of money and confirm the payment by entering the code from the message.

5. Systems money transfers"Unistream".

6. "Post office".

At postal service offices, you can personally fill out a form with your data and loan details, and then pay without losing money on commissions. Another thing is time: the transfer can take 10 days to reach the credit account.

How to make loan payments in OTP in cash?

At OTP Bank JSC there are enough ways to repay a loan when visiting a cash desk in person in different parts of the city. Many of them are active around the clock, so choosing an option will not be a problem.

Self-service terminals

• QIWI charges the most large commission when paying in cash - 1.6%, but not less than 100 rubles, offering instant receipt of money to the account for this.
• Eleksnet is slightly more profitable: 1.4% above the amount - at least 50 rubles, as well as bonuses and discounts when used.

Payment systems

There are many service points available - these are Zolotaya Korona, shoe stores KARI, equipment stores MVideo or Eldorado, Know-How, and salons cellular communication: Megafon, Svyaznoy, Euroset, MTS, Beeline. These organizations provide OTP Bank clients with loan repayment according to the agreement number - besides this, you only need a passport. It is worth remembering about commissions - here they will be 1%, but not less than 50 rubles. (30 rubles at KARI). If you transfer more than 50,000 rubles to Euroset, the intermediary’s fee will be fixed - 500 rubles. Funds usually arrive in your account the next business day.

Options for online payments with the bank

On the OTP Bank website there are official ways to repay a loan for every taste.

"Gold Crown"

Commission 2% – fee for instant transfer. You will need:

• Go to the “Loan repayment” section on the portal.
• Fill in the fields with your credit account or card number and full name.
• Use the “Next” button to go to the next page and select the method of repaying the loan at OTP Bank via the Internet: by bank card, electronic wallet or other preferred method.

Mobile applications

With “OTP Credit” from Google Play or the App Store, you can make payments anywhere, including attracting funds from your smartphone account. Where can I download this loan repayment tool? On the OTP Bank website in the “OTP loan” tab located in the middle of the page. The program, among other things, will allow you to find the nearest payment terminals and create a route to them.

Please note: “OTP Bank Russia” must be indicated as the developer.

There is another application - “Mobile Bank”. This is a pocket version of OTP Direct with identical functionality.

"Sberbank Online"

Let's go to the official website. Repayment of OTP Bank loans proceeds as usual:

• Log in using your username and password and enter the code from the SMS in the field.
• Select the item “Transfers and Payments” in the list at the top.
• We need “Repayment of a loan from another bank.”
• In the fields, enter the creditor and our account numbers, as well as the payment amount.
• We check the information and confirm the transaction.

The commission for this method will be 1%.

Partial repayment of OTP Bank loan

For clients of OTP Bank JSC early repayment A loan is a great way to get rid of some of the overpayments, so if the opportunity arises to pay off the debt faster than you expected, don’t hesitate. This process is regulated by two documents signed by you:

• Statement-offer in paragraph No. 5.
• Conditions of the Agreements in clauses 4.14 to 4.16.

At OTP Bank, early repayment of a trade loan will be carried out in accordance with the following conditions:

• There is no moratorium: having received the money, you can write a request for a refund the very next day.
• There are no fees or penalties for early closure of a loan.

Early repayment of a loan at OTP Bank involves three options:

• Full payment of the loan, after which you can close the loan.
• Partially early repayment of the debt, followed by a reduction in the amount of monthly payments.
• Partial repayment of the loan with a reduction in the loan period.

Worth considering: At OTP Bank JSC, partially early repayment of the loan with a reduction in the service term is more profitable: this way you will pay back less percent for new months of using funds.

Instructions for partial early repayment of the loan

The set of documents required when repaying a loan includes an identification document, the number and date of the agreement, as well as the write-off account number. For OTP Bank clients, partial loan repayment ahead of schedule requires the following procedure:

1. Top up credit account an amount exceeding the established monthly standard. Minimum threshold early payments no, so you can deposit at least 100 rubles additionally.
2. Fill out the commitment application and submit it to the bank branch at least 2 business days before the settlement date. The latter must also be a working day. In the application, you need to emphasize the “partial” type of cancellation and indicate the amount for early write-off in excess of the regular payment (i.e., if the monthly standard is 10,000 rubles and 22,000 rubles deposited into the account, indicate 12,000 rubles). Don't forget to indicate your preferred method for recalculating the payment schedule.
3. Receive a copy of the application with a note from the bank employee confirming acceptance of the document.
4. Receive an SMS notification and make sure that the operation was completed successfully.
5. Contact the organization's branch for an updated payment schedule.

Instructions for a full early refund

At OTP Bank, early repayment can be made in full. The sequence of steps will be slightly different:

1. Fill out the commitment statement, noting the “full” repayment of the loan and the amount of the principal debt with all the kopecks. Then certify the paper with a specialist’s mark.
2. Receive a call from a bank operator and find out the payment amount along with the commission for the period of actual use of funds - before the settlement date, and not the regular payment. If necessary, replenish your credit account with missing funds.
3. Wait for the settlement day and receive an SMS notification about the closure of the loan. Then personally contact the organization’s branch and obtain a certificate of credit history and no debt, or ask to have it sent to your email.

A borrower who chooses a banking organization to borrow from credit funds, first of all, focuses on maximum savings on interest payments and the convenience of making regular contributions. Find out how to pay for an OTP Bank loan without commission through various deposit options from this material.

All ways to pay a loan without commission

OTP Bank allows borrowers to repay loan debt without paying additional fees. This way you can significantly reduce your own costs and give the bank only the net interest accrued on the loan.

Where can I pay a loan without commission? The first method is Unistream postal mail. Through this company It is possible to transfer funds to pay off debt on a consumer loan or credit card. Payment will be credited the very next day.

Money is also sent by Russian Post. In this way you can not only pay for a consumer loan, but also top up your payment card account.

Borrowers who make bank transfers can also avoid unnecessary and unnecessary costs. For example, this applies to transferring money from your account opened with OTP Bank. They are sent both through self-service devices, that is, terminals and ATMs, and through Internet banking. Payment machines allow you to pay in cash.

In some employer companies, you can pay for the loan without paying extra money, if you register deductions from your salary in the accounting department. This is possible, but today it is not available in all companies, so you need to clarify the information directly with the accounting department. Deductions begin to be made after submitting an application with the details specified in it banking organization.

Making a payment with a minimum commission

If the borrower is not suitable for any of the methods described above, or he does not have access to tools that allow him to make a payment, he has to look for other options in order to pay the loan with a minimum fee.

Today there are different partnership programs, allowing OTP Bank clients to transfer funds to repay debt and pay a small commission. Here are the most common ones:

• "Golden Crown" system. It includes MTS, Beeline, Euroset, Kari and other organizations. In “Kari” you will have to pay thirty rubles for intermediary services, and in all other points - fifty. The commission fee is 1% of the size of the shipment. The funds will arrive to the specified account within two days;
• in Svyaznoy you can pay for a loan by paying 1% of the sending amount (at least fifty rubles);
• Megafon allows you to make loan payments at its service points with a commission fee of 1% (not less than fifty rubles);
• organizations "M.Video" and "Eldorado", where they charge a minimum of fifty rubles for the provision of this service;
• At Rostelecom service and sales points, you can liquidate your debt with OTP Bank by also paying 1% of the transfer amount.

In addition, there is a service for making payments called “Eleksnet”, but using it to pay a loan is no longer so profitable: when transferring funds from a virtual wallet or through system terminals, you will have to pay 1.4% of the total amount.

Important! It is also possible to repay a loan taken from OTP Bank from an electronic account in the Qiwi system, paying a commission fee of 1.6% (at least one hundred rubles). The borrower can transfer money both through payment machines and in the Qiwi application or website.

When sending money from a card issued by any other Russian banking organization, you should remember that you must pay a 2% commission. The transfer will be credited to your account instantly. The transfer limit for one day is fifteen thousand rubles, which is not suitable for all payers. Payment can be made using Visa, MasterCard and MIR cards.

So, the financial institution OTP Bank provides its clients with a wide range of ways to repay loan debt without paying a commission and to the maximum extent possible. favorable conditions. The bank has many branches throughout the country, so making payments is convenient and accessible, and if you do it remotely, you can pay on time and without late fees.

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 Money, 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 your personal account. Access to personal account All existing bank clients who have previously submitted an application to activate this service have it. 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 « Gold 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 payment system"Rapida". 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 credit agreement number.
• 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. Funds are credited to repay a consumer loan 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 from the OTP department or point of sale, opening 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 fee for making a payment. However, this method has a significant drawback: funds are credited within 5 business days.

Bank transfers

You can also make a monthly payment to repay the loan via 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 it is possible to carry out this operation and after acceptance of the application, the agreed monthly part of the salary will be credited to credit balance. It is noteworthy that this method 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 a well-known and large credit organisation, cooperating with a large number of companies and individuals. Its most popular products are loans issued on favorable terms, and also provided only to persons who meet certain requirements and conditions. Each person who has taken out a loan from this organization must carefully understand how to pay for an OTP Bank loan. This process can easily be performed in different ways, and each option has its own characteristics.

Most often, people use special online channels for repayment. This method allows you to deposit funds quickly. Plus, you don't even need to leave the house. Certain methods require a fee, while others are free. The main online methods include:

Using a variety of online methods to pay a loan is optimal solution for many payers. True, it is important to understand how to pay for an OTP bank loan in cash.

Cash loan payment methods

These methods include:

The use of cash deposit methods is considered an interesting solution for many loan payers.

Features of using bank transfers

Another option to pay for a loan issued at OTP is to use bank transfers. You can also transfer money from other banking institutions, using their online banking. A simple solution is to involve the accounting department of the organization in which it carries out labor activity borrower. In this case, a certain amount of funds will be automatically sent to pay for the loan to OTP.

If it is impossible to use all of the above methods, it is possible to come to a branch of any Russian bank to send funds to the OTP bank account, but a significant commission will certainly be paid for this procedure.

We can say that lending in OTP is considered a popular process, allowing each borrower to receive money on favorable terms. This is allowed using different methods. Some are produced using a computer, and online methods allow you not even to leave your home for these purposes. Others involve visiting the bank itself or using its terminals. In addition, it is possible to use bank transfers. Therefore, each borrower chooses the most convenient and optimal method for himself.

When repaying a loan, a bank client cannot always visit a financial institution on the right day to pay part of the debt amount. Meanwhile, some organizations set fairly strict rules and require money to be deposited according to an approved schedule. A financial institution such as OTP Bank makes it possible to pay for a loan using a Sberbank card. It is even more profitable to conduct transactions using Sberbank services.

Methods of making payments on an OTP Bank loan

One of the convenient methods of depositing is through a smartphone by downloading the OTP-loan application. It should be installed on your phone and used with an Internet connection. It's very simple and convenient. Moreover, it is permissible to repay the debt even at night. The main thing is the presence of the Internet on your mobile device.

OTP Bank provides the opportunity to pay for a loan in various ways

Let's look at other methods:

1. To deposit funds, just find any OTP Bank payment terminal. The funds will arrive in a couple of hours. Most often, terminals are installed in OTP departments.
2. You can look into the nearest Euroset, Beeline or MTS stores, or Kari and Know-How stores. For the transfer, employees of the above departments will withdraw 1% of the amount, but not more than 50 rubles. In Kari – 30 rubles. from translation.
3. Svyaznoy offers the same services. And then the specialists will charge 1% for repaying the OTP Bank loan. The money will not arrive in your account immediately. Payment processing time is within 24 hours. The commission will not exceed 50 rubles. Megafon stores credit funds one day after the date of transfer.
4. If there are Eldorado, Domo or MVideo stores near your office or home, you can transfer funds through their cash registers. The money will not be credited to your account immediately, so you should take care of the transfer before the deadline established in the loan agreement. Payment commission – 1%.
5. When the Rostelecom office is within walking distance, it is easy to repay the loan there too. Employees will offer the same conditions as in communication salons. This is 1%.
6. But the Russian Post will not charge any commission for the transfer. Here it’s easy to top up the card and repay the OTP loan.

It is convenient to contact specialists of any bank. You should take with you a document containing OTP details, depending on what transfer conditions are established in a particular bank. As for the commission, each institution also sets it independently.

When a person does not have time to leave work, you can contact an accountant with a request to deduct funds for a loan from your salary.

It is advisable to remember: OTP Bank employees insist that services should only be used in official departments and partner companies, on verified and approved sites. OTP employees are not responsible for errors or attempts to make translations in third-party structures.

From a Sberbank card

You can use an ATM. You should insert the plastic into the ATM, scroll through the menu to “Payments to third party banks", find the OTP, enter the appropriate details, following the system prompts, check everything carefully and transfer the amount.

You can also approach a Sberbank employee, taking your passport with you. A specialist will definitely help. The main thing is that the details are at hand, and there are enough funds on the card.

Payment through Sberbank online

Pay via Sberbank Online

It is important to know how to pay OTP Bank through Sberbank online. It is easy to perform the operation even for clients who have just registered in the system. The method does not take a lot of time. The registration process itself is not complicated. It is enough to get the password from the bank employees by visiting the branch once and then you don’t have to go to Sberbank to pay for the OTP loan. The password for the Sberbank account can be received via SMS or terminal.

How to repay online:

1. Go to the Sberbank portal.
2. Enter your username and password by logging into your account.
3. Immediately click on the “Payments and Transfers” tab, click “Transfer to Account”.
4. The system will provide several options, among which there will certainly be the line “To accounts of other banks.”
5. Fill out the payment fields. The details include: full information about the person’s name, amount, withdrawal and deposit accounts. This data is in the loan agreement, and the system will offer you a choice of Sberbank account or display it itself. You should also enter your TIN and BIC of OTP Bank.
6. All payment information must be carefully checked, and more than once. Next, the system will “ask” you to confirm the fact of the transfer. After the next verification of information, you need to click on confirmation and submit.

The commission is added to the amount of the loan transfer to OTP. You should take this point into account and calculate everything in advance so that there are no underpayments. By the way, the system issues the commission amount automatically.

In addition, before making a payment, it is important to make sure that the required amount is available in your Sberbank account.

Through other Internet services

Using the Elexnet wallet, you can easily pay for a loan at OTP in a matter of minutes. Commission – 0.95%. If you make a payment through the Eleksnet terminal, you will have to pay another 1.4% on top of the transfer amount.

Via terminal

A simple process, more reminiscent of transfers to different accounts for public utilities. It’s easy to pay for an OTP loan through a Sberbank terminal. You will need a card, a device for accepting money and OTP credit payment details. You should authorize the card by entering the code and then find “Transfers to other banks”. Next, fill in the bank details and indicate the amount. It is worth considering the commission - it is 2%. The money will not be written off immediately, but within 12-20 hours.

Through OTP-direct you can pay your loan at any convenient time

Via OTP Direct

Such a transfer will be carried out without payment for the service. Connecting to the Direct system is free. There is no payment for access to the OTP account. To obtain from specialists the necessary data for using the personal account, it is advisable to make a call to bank specialists.

The operator will send the data via SMS. The specialist will ask for the series and number of the passport or a codeword, so it's important to have your documents handy before calling. To gain access to the bank’s personal account, you can personally visit specialists.

On your first visit to your account, you must immediately change your password. Do not ignore this system request. PC requirements: Internet access, convenient browser. Since the application actively uses pop-up window functions, it is important to enable this feature on your computer.

It is easy to carry out a lot of transactions and pay loan bills in OTP LC. You just need to follow the system prompts. Direct is designed according to the principle of almost all online banking accounts.

other methods

You can pay off your debt at any other bank. You can also choose stores with terminals and online cash registers. But the most convenient methods of repaying loan amounts without delays are via the Internet.

Conclusion

OTP has developed an excellent system that gives different options to customers when repaying loans and borrowings. It is not difficult to do this at Sberbank, and even at night, using the services online account or Mobile banking. When there are stores within walking distance that communicate with OTP, but there is no Internet at hand, it is easier to go there. Our staff will help you make the payment.