OTP Bank is a popular financial institution. A popular bank not only because of its fairly wide range of services, but also because customer service comes first. OTP is one of the few banks that allows its clients to check their loan balance. 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

There are several ways to find out the loan balance at OTP Bank:

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

As you can see, it is possible to find out the loan balance at OTP Bank different ways and, of course, every client will find an acceptable option for himself.

View your loan balance without going to OTP Bank

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

• If you took out a consumer loan in a store, then you will need to - put your phone in tone mode and dial the phone number - 8 800 200 70 05 (calls within Russia are free), then press the number two, then enter the credit agreement number, press the button asterisk and enter your personal telecode. The telecode consists of three digits and is provided during the registration of the contract. If you don’t 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 number two, enter the credit agreement number, press the asterisk, enter the old telecode, press number four and enter new code, at your discretion.
• If you are a holder of an OTP Bank credit card, find out the loan balance as follows - put the phone in tone mode, call 8 800 200 70 07, press the number two, enter the card number, press the asterisk and enter the telecode. If you want to change the telecode, then the number is 8 800 200 70 01, number two, contract number, asterisk, enter the old telecode, number four and enter the new telecode. Calling hotline OTP line The bank can find out the loan balance within literally three minutes. In the call center you can clarify the amount of the next payment, the date of making payments and find out the date of repayment of the credit debt.

Express balance certificate

To find out the loan balance from OTP Bank using an express certificate, you will need to visit the official website of the financial institution and order a detailed statement. This can be done on home page official website, in the section - control funds. The system will ask you to fill out a statement 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 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 don’t have to worry about disclosure of information. One such technology is SMS banking.

Using SMS, you can check the loan balance at OTP Bank or pay utility bills or Internet access, transfer funds both between your accounts and to a third-party account, or, for example, you can block credit card. So, how to check your OTP Bank loan balance using SMS? Very simple.

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

OTP Bank loan balance - OTP Direct

Clients who have signed an agreement to receive Money 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 OTP card. This service provides extensive opportunities for managing your accounts, much broader than, for example, SMS banking. When using OTP Direct, the client has the opportunity to find out the loan balance 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:

• Receive 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 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 your OTP Bank loan balance in a matter of seconds.

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 for banking 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 the loan on the official website using 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 for 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! You can apply for a loan using a similar scheme employees and pensioners over twenty-one years of age.

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 simple. 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.

OTP Bank is very popular among Russians; thousands of clients have already received loans from it. Borrowers can find out the loan balance in several ways in simple ways. Below we will tell you how to clarify the debt using your phone number.

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. It will make it much easier to obtain up-to-date data on the status of your loan debt.

Important! Through the message, borrowers can find out the current debt balance, 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 debt on a loan account by phone number:

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

The response message contains the requested information. This is a quick and easy way to find out the necessary information about the balance of the loan debt.

We'll find out by calling

Check debt by consumer credit possible by calling toll free number hotline 8 800 200 70 05. The call is available from both landline 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 given to the client when signing the loan documentation. If you want to change the current telecode, you need to proceed as follows:

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

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

How else can I get information about the balance?

Quick checkout 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. This payable service, the extract is delivered by letter to the address Email borrower.

Customers who hold a deposit, debit or credit card with OTP Bank and have a loan can take advantage of a special OTP application Direct for remote maintenance. It contains complete information about all client accounts, including loan accounts. The first page provides information about the status of the loan and the remaining debt to pay.

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

To use this option you need to go through a simple registration procedure. After this, the client will have access to the following online actions:

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

The above is a partial list of opportunities provided in personal OTP office Jar. With its help, you can transfer money not only within the bank, but also to the accounts of others financial organizations. All operations are performed in real time.

Today, finding out the loan balance at OTP Bank has become the simplest task for clients. Bank employees did everything possible to help everyone who took out a loan know the status of the account at any time. Thanks to convenient ways to find out your loan debt, you can always be in the know. As a result, this makes it possible not to delay repayment and pay the bank on time. You can check your loan balance even without visiting a bank branch.

5 ways to find out your loan balance at OTP Bank

OTP Bank specialists allow you to find out the loan balance using one of 5 convenient ways. In each specific situation, the client can use any of the available options. The most important thing is that thanks to a wide range of options, you can view your loan balance no matter where you are.

Visiting an office or bank branch

Each client of OTP Bank can visit one of the branches and find out the loan balance with the help of consultants. To do this, just contact a bank employee and tell him that you are interested in this information.

By phone

Using a bank terminal

All OTP Bank terminals offer the opportunity to find out about the loan balance. To do this, just visit the appropriate section. A clear interface will allow you to quickly find the desired item in the menu. Then you can find out the balance and pay it off on the spot.

Through the official website (personal account)

Bank clients receive special accounts from employees to log into their personal account on the official website. Thanks to this, you can monitor changes in the status of your loan from anywhere. Using your login and password, the user can easily visit the section personal account, where there is information about loans. That's where it's located detailed information regarding debt.

Via the app

The OTP Smart application has a large list of features. These include the opportunity to find out Current state loan. Thanks to a separate section, each OTP Bank client will be able to track debt indicators using a smartphone or tablet.

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

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

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

Via SMS

SMS banking is a fairly reliable way to obtain information on your account balance.

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

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

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

Through the Internet

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

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

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

By contract number

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

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

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

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

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

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

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

Loan repayment

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

No commission

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

Free ways to replenish your credit account include:

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