Today it is very difficult to find a person who could do without a lending service. This is due to the fact that people’s desires do not always coincide with their capabilities, but credit institutions such as OTP Bank are always ready to assist in meeting the needs of a potential client. A particularly popular service among the population is a cash loan, which can be obtained from the above-mentioned bank in a fairly short time.

Why should you take out a cash loan from OTP Bank?

This financial organization was founded in 1994 and by this time had gained enormous popularity among citizens. The bank is part of the international financial group and is one of the largest banks in the Russian Federation.

Main services provided by the bank:

1. car loans;
2. cash loans;
3. deposits;
4. business lending;
5. mortgage;
6. currency operations;
7. store credit;
8. current account maintenance;
9. placement of free funds;
10. bank cards.

This is not the entire range of services provided by the bank, however, it is quite enough to get an idea of ​​the organization.

The most popular service of OTP Bank is a cash loan - this is the so-called “magic wand”. However, before you go to the branch and take out a loan, you need to carefully study all the available information.

Positive aspects of the proposal

The advantage of this program is that money is issued without financial guarantee or security. The loan does not have a specific purpose, so the bank client can use it at his own discretion. This could be purchasing household appliances, paying for a child’s education, or closing existing loans.

1. Low interest rate is one of the main advantages of the bank.
2. The loan is issued for 5 years.
3. The loan amount cannot exceed 750,000 rubles.
4. Possibility of early repayment of the loan.
5. The financial institution is given up to five working days, but not less than three, to review the document for granting a loan.
6. The bank does not charge its clients fees for providing funds and maintaining a current account.

There are certain requirements for the borrower, and if at least one of them is not met, the bank has every right to refuse to issue a loan.

Basic requirements for applicants:

• Russian citizenship;
• permanent registration on the territory of the Russian Federation in any region;
• the minimum age for obtaining a loan is 21 years, and the maximum is 65 years;
• Have a permanent job and have at least three months of experience at your last place of work.

To apply for a loan, you can contact the nearest bank branch or fill out an online application.

Required documents to receive a cash loan:

• TIN information from the employer;
• passport of a Russian citizen;
• The third document is provided to choose from: international passport, military ID, driver's license or pension insurance certificate.

Types of cash loans

"OTP Express". A loan is issued in national currency in the amount of 15 to 75 thousand rubles. The term of this loan is 12-36 months. For the first 12 months the interest rate is 35.9%, and after this period - 47.9%.

"Standard". The loan amount is 76,000 – 500,000 rubles. The loan term is 12-48 months. In the first 12 months, the interest rate on the loan is 23.9%, after 27.9%, and after 25 months - 31.9%.

"Our people". The borrower has the right to take out a loan in the amount of up to 750 thousand rubles for a period of up to 5 years. The interest rate on the loan ranges from 21.9% to 25.9%.

"Promo". This loan is issued for a period of up to 6 months in the amount of 50 to 150 thousand rubles. The interest rate in this case is 11.9% - 14.9%. The Promo lending program is secured by a guarantee from an individual.

Cash loan "Business people". The amount of the loan issued cannot exceed 200 thousand rubles. It is issued for a maximum of three years. In this case, the borrower can be a person who has reached the age of 25 and is engaged in entrepreneurial activities. For entrepreneurs, the interest rate ranges from 27.9% to 31.9%. A guarantee from an individual is not required. The age of the borrower at the time of loan repayment cannot be more than 65 years. If the applicant is a private notary, then he must provide the bank, in addition to the standard list of documents, with an Order of the Ministry of Justice confirming his appointment to the position of notary.

the bank issued only RUB 108.3 billion loans, of which to individuals - 101.1 billion (+ 0.9% compared to 2013). The amount of deposits from private clients amounted to 63.6 billion rubles. (+ 10.2%), with a total deposit portfolio of the bank of 92.6 billion. As of May of this year, 66.15% of the authorized capital of the financial institution is controlled by the Hungarian OTP Bank Plc.

Contacts and branch network of OTP Bank

You can pay your debt to OTP on a date convenient for you. “Change of payment date” is a paid service of OTP Bank. Its cost is determined based on the tariffs of the financial institution.

OTP calculator

The cash loan calculator is located on the online application page.

The entered parameters will be the size and term of the loan. As a result, you will receive the amount of the monthly loan payment calculated using the annuity method (payments in equal installments). By hovering the cursor over the “?” next to the payment amount, you will see the rate at which the calculator made the calculation.

OTP card

OTP bank cards, like any other bank, can be divided into two types - debit and credit. Debit cards involve the use of your own funds, while credit cards use borrowed funds from a financial institution.

Debit cards.

The main characteristics of a debit card are its currency and the interest rate charged on the card balance.

For clients who often travel abroad, OTP Bank will offer MasterCard Standard “For Travelers”. The card can be denominated in euros and US dollars. No interest is charged on the balance. A year of using the card will cost $20/EUR20.

The bank’s other debit “plastic” is issued in rubles. The most attractive rates are for the “Income Card” MasterCard Gold and the “Income Card” MasterCard Unembossed. For the first - up to 8% per annum, for the second - up to 7%. The final interest rates depend on the region where the card is issued and are determined by the bank’s tariffs. The cost of monthly MasterCard Gold service is 149 rubles. For MasterCard Unembossed, the OTP Bank commission will be 49 rubles. per month. For the Unembossed release you need to pay 99 rubles.

You can get a youth ruble debit card MasterCard Standard from OTP Bank from the age of 18. From the point of view of calculating interest for OTP, the balance on this “plastic” does not matter - the rate is zero. But the card service is free.

Credit cards.

OTP Bank divides credit “plastic” into two groups – cards based on one document, and cards for the issuance of which the bank will require a complete package. Currency is only ruble.

To receive a card using one document, you only need to provide a Russian civil passport. Credit limit – up to 1.5 million rubles. The minimum rate on a card loan is 29.9% per annum. Lending is provided for up to 55 days. During this period, you will not worry about the question of how to pay for an OTP Bank loan using this card. The financial institution does not charge interest for using the loan. The main thing is to clearly meet the required period and fulfill the conditions for timely debt servicing.

The bank issues two types of credit cards based on one document - MasterCard Standard and MasterCard Gold. The cost of annual maintenance Standard is 600 rubles, Gold – 1800 rubles.

If you want to get a discount on your credit rate, apply for a card by providing a full package of documents. Then the minimum rate will be 24% per annum. The size of the credit limit, grace period and annual commission will remain the same as for “plastic” for one document. There are also two types of cards - MasterCard Standard and Gold.

OTP deposits

Deposits at OTP Bank can be opened in three currencies - rubles, US dollars and euros (for VIP clients - also in Swiss francs).

The most profitable ruble deposit in the bank has a corresponding name - “Maximum”. The rate on it is up to 11.25% per annum. This becomes possible when placing an amount of 1.4 million rubles. for 275 days. As is often the case with high-yield deposits, withdrawals and additions are prohibited. Interest income is paid at the end of the deposit term (maximum one year).

Incoming and/or outgoing transactions are possible for other types of ruble deposits in OTP:

• cumulative;
• flexible;
• pension.

The rates on these deposits do not exceed 10% per annum. The “Flexible” deposit allows partial withdrawal of funds up to the initial contract amount (after replenishment). In "Pension" it is possible to capitalize interest.

Foreign currency deposits in OTP are presented in the same three types:

1. Cumulative.
2. Flexible.
3. Pension.

In fact, this is the same line as for rubles, with the exception of “Maximum”. The highest rates are offered on “Savings” and “Pension” deposits - up to 2.5% per annum in dollars and up to 1.5% in a single euro currency. The minimum amount for investment is 500 dollars/euro and 50 for “Pension”. All foreign currency deposits allow replenishment, and “Flexible” allows partial withdrawal of funds. Interest on the “Pension” deposit can be capitalized, and then the effective rate will increase to 2.56% per annum in dollars and to 1.52% per annum in euros.

The banking website allows the future depositor to fill out and submit an online application for opening a deposit. It is enough to indicate your name, region of residence and contact phone number. An OTP Bank specialist will contact you and offer the best deposit option.

OTP translation

At OTP Bank you can use:

• Western Union;
• Unistream;
• Gold Crown.

Western Union will allow you to transfer American dollars or Russian rubles to 400 thousand receiving points located in 200 countries around the world in 5-10 minutes. When sending an amount over 3 thousand dollars, the commission will be 0.5% of the transfer amount. For smaller amounts it varies from 0.5% to 3%.

The Unistream system has 100 thousand service points in 90 countries. Transfers are available in rubles, dollars and euros. Delivery time is 10-15 minutes. Unistream is optimal for ruble transactions. The commission will be 2% on amounts up to 100 thousand rubles. and 1.5% of 100 thousand rubles. Dollar transactions are less profitable compared to Western Union.

“Golden Crown” is 26 thousand operators in Russia and the CIS countries. The time for transferring rubles, dollars and euros is just a few seconds! Its status is available online on the system website. There you can also select a point to receive money and view the current commissions.

The above described money transfers are carried out without the client opening a current bank account with OTP. Sending and transferring money using an OTP Bank account is carried out in accordance with current banking tariffs.

Private Banking

For status clients, OTP Bank offers a personal service program. - Private Banking. The essence of the service is the allocation of a personal bank manager for a comprehensive solution to the issues of an individual VIP client. For ease of interaction, an individual VIP area can be allocated.

The set of products for a wealthy client includes the following items:

OTPDirect - Internet banking

Remote customer service at OTP Bank includes three areas:

1. The main thing is Internet banking for a full-fledged computer.
2. Mobile banking using smartphones and tablets.
3. SMS banking, available for any, even the simplest mobile phone.

What opportunities are available to users of OTPDirect - Internet banking

• payment for various services - housing and communal services, Internet, mobile communications, cable television;
• payment of traffic police fines;
• work with electronic wallets (Webmoney, etc.);
• transfers on accounts in OTP Bank using OTP details, including card accounts;
• transfers to accounts in other banks;
• control of your current and card accounts;
• monitoring of loan servicing in the bank - information on the balance of the OTP loan, the amounts and dates of regular payments;
• viewing payment history and generating statements for the required period in accordance with the agreement number assigned by OTP Bank - current or card account, deposit or loan;
• own service interface settings.

If you are a client of OTP Bank, then you may have already been connected to OTPDirect, even if you have not used it yet. Just call the bank and ask if they have a login for work. If the answer is positive, a password for the first login to the system will be sent to your mobile number registered with OTP.

Otherwise, you need to conclude a remote banking service agreement with OTP Bank and after that, receive a login and password to enter OTPDirect.

OTP reviews

Unfortunately, reviews of the bank's work lately have been mostly negative.

What are customers complaining about?

To be fair, it can be noted that:

• in leading Russian banking forums, OTP Bank tries to give clear answers to client questions in a timely manner and take steps to resolve them;
• many troubles arise due to the fact that the client is not always familiar with the conditions for the provision of a particular service - in which cases the bank can block the card, charge a commission, impose a fine, etc.;
• If you have questions, you need to contact the bank as quickly as possible, and not through the forum, but through the hotline, or (which may be even better) with the specific specialist who arranged this service for you.

Tips - what to pay attention to when servicing at OTP Bank

At OTP Bank, credit cards are issued to both primary and existing clients. Terms of service and interest depend on the category (classic or gold) and type of plastic. Any of them can be issued online and received by mail (reviews confirm the reality of remote registration). Let's find out more about the credit cards of this bank.

The conditions of credit cards are directly related to the type of plastic and its category (gold, classic, for existing clients or primary ones). Currently the line of credit cards includes:

• Home;
• Lightning;
• Clear category Gold;
• Gold for clients.

General conditions for OTP Bank credit cards

The terms and conditions of credit cards differ for each card. The following rules will be common to classic and gold credit cards of OTP Bank:

• size of the credit limit: determined individually, the maximum available amount is 1 million rubles;
• Availability of a grace period of 55 days: the interest-free period allows you to use replacement funds for free. To do this, after the end of the purchase period (lasts 30 days) and receipt of the statement, you must fully repay the debt and restore the credit limit in full within 25 days. Then no interest is charged on the loan (reviews confirm this);
• transactions at your own ATMs/terminals – no commission;
• release is free.

The remaining conditions for different cards will differ, which, judging by customer reviews, allows you to choose a card with the most acceptable service rules. Before you apply for an OTP Bank credit card (online or directly at a branch, received by mail or in person), let’s take a closer look at the key options of different cards.

Interest rates for using cards of different categories

Regardless of the registration method (remotely with receipt by mail or in person at a hospital department), a potential borrower will be able to choose a plastic card with the key options that are most interesting to him. Each card has its own characteristics, namely:

• Home: Credit card with 3% cash back on all grocery purchases. When you pay for groceries with a card, cashback is automatically returned to your card account, which, judging by the reviews, is quite convenient. In fact, customers receive a three percent discount. The first year the card is serviced free of charge, from the second year the cost will be 1,600 rubles annually. Interest is determined individually, the rate starts from 24.9%;
• Lightning: also a credit card with a 1.5% cashback, which is returned when paying with the card for any purchases. For Molniya (OTP Bank credit card) interest is from 19.9%. To get the minimum rate, it is enough to restore the credit limit on time within six months. Plastic is serviced free of charge, your own funds can be placed on the card account, which are accrued up to 7% per annum;
• Clear GOLD category: no service fee, interest – from 27.9%.
• Gold credit card for clients with an existing loan with several payments remaining or for those who closed the loan in the last 3 months. The first year is serviced free of charge, from the second the cost will be 700 rubles. Interest – from 19.9%.

You can remotely apply for any OTP Bank credit card (delivery is made by mail, the application is online - on the website, reviews confirm the convenience of this service).

Requirements for borrowers at OTP Bank for registration

To issue any credit card (gold or classic, remotely delivered by mail or in the office), a passport is usually enough.

If it is necessary to provide additional documents, bank employees will indicate this at the stage of reviewing the online application. To be approved, a potential borrower must:

• be a citizen of the Russian Federation;
• actually reside in the region of treatment (at the location of the inpatient departments) and have permanent registration there;
• work continuously (at least 3 months by the time of application) or have a source of income in the form of a pension.

A borrower aged from 21 to 69 years inclusive can apply for a credit card (reviews of OTP Bank credit cards confirm this fact). As you can see, the requirements are quite flexible, the final conditions (amount and interest) are determined individually, based on the information provided.

Victoria Mitina

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It became possible to obtain a non-targeted loan in the amount of up to 4,000,000 million rubles from OTP Bank. No third party guarantee is required for registration.

A loan for any purpose is issued without additional fees. The frequency of payments is monthly.

Consumer loan

At OTP Bank, loan rates depend on the type of consumer loan.

The loan is issued for any purpose other than the use of funds in the gambling business.

Store credit

To save time for its clients, the financial institution provides them with the opportunity to purchase any product through OTP Bank specialists working in stores. OTP partners are: DNS, Svyaznoy, Euroset, Media Markt, Tekhnosila, Much Furniture, MegaFon, Expert, Beeline, Yulmart, 585 Gold, Adamas, RBT, Snow Queen, Citylink and others. This list is updated annually.

To apply for a loan, you only need a passport. In addition to purchasing goods in a store, a loan can be issued for certain types of services (in beauty salons, fitness centers).

Refinancing

OTP is not currently refinancing loans from third-party banks, so if you need to reissue existing loans, you should consider loan offers from other credit organizations.

Lending terms

The day of the monthly loan payment is equal to the date of receipt of funds. The payment schedule is annuity. Behind
Failure to fulfill or improper fulfillment of obligations to repay the loan is subject to a penalty of 20% per annum.

The application review period is one business day.

Requirements for the borrower

To obtain a loan, you must meet the bank’s requirements for individuals:

1. Official employment.
2. Russian citizenship.
3. Accommodation in the territory where the bank operates.
4. Age 21-68 years.
5. Work experience of three months.
6. Receiving a pension (old age, military pension).
7. Availability of a mobile phone.

Reasons for refusal may include knowingly false information, high debt burden, or negative credit history.

Required documents

To apply for a loan, the client must provide a package of documents:

1. Passport.
2. Certificate 2-NDFL or according to the bank form.

A driver's license, international passport or TIN of the client can be provided as an additional document.

At the request of the bank, documents such as a certified copy of the work record book, a certificate of the amount of the assigned pension, and a personal account statement may be requested. For lawyers - an extract from the register of the Federal Ministry of Justice of the Russian Federation, for notaries - an order of appointment to a position.

Design methods

A borrower can apply for a loan in several ways:

When leaving an online application, you must understand that you will need to visit the OTP Bank office to fill out a complete application form.

Methods of obtaining

Funds are issued:

1. On account. You can receive funds from it through the bank's cash desk.
2. To the bank card when applying for a credit card.

To receive cash, the client must have a passport with him.

Repayment methods

It is necessary to repay the loan debt on time, taking into account the speed at which money is credited to the account.

Payment method	Enrollment deadlines	The transfer fee
From a card of any bank	Instantly	2%
"Golden Crown" (MTS, Euroset, Beeline, Kari)	Up to 2 working days	1% (minimum 50 rubles)
QIWI	Instantly	1.6% (minimum 100 rubles)
Internet payment systems	The terms of crediting depend on the payment system	The size of the commission depends on the payment system
Interbank transfer	Up to 5 working days	According to bank tariffs
Post office	Up to 2 working days	Absent
OTP terminals and ATMs	Instantly	Absent
At the OTP bank office	Instantly	Absent
Svyaznoy	1-2 days	1% (minimum 50 rubles)
Rostelecom	1-2 days	1% (minimum 50 rubles)
Megaphone	1-2 days	1% (minimum 50 rubles)

It is possible to avoid commissions by depositing funds directly through terminals and ATMs, as well as directly to the cash desk of the bank itself. Such transfers allow you to save money and reduce the time it takes for funds to be credited to your account.

It has become possible to receive a loan for any of the proposed terms in the amount of up to 4,000,000 without collateral, guarantee and additional fees at OTP Bank. It is enough to meet the requirements and provide the necessary package of documents.

Consumer loans from OTP are quite affordable in terms of terms and requirements for the client. Fast issuance of an express loan and a reasonable issuance period for standard loan products, no collateral or guarantee... And at the same time significantly high rates - why?

OTP Bank provides a wide range of consumer loans with a variety of conditions. For regular customers and borrowers - one bonus, for entrepreneurs - another, for pensioners - a third.

OTP Bank JSC is part of an international financial group of the same name, providing a universal package of services throughout Europe not only to individuals, but also to corporate clients.

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It has an impressive capital of several tens of billions of rubles; in addition, it is one of the 50 largest banks in the country and market leaders according to Interfax.

Its policy is to build relationships with clients on mutual trust, which are tested by time and commitment.

What does the rate depend on?

comparison table

Bid	Term	Decision-making	Issue	Client category	Place of issue
OTP Standard
25,9–44,9%	12–48 months	2 days	2 days	Are common conditions	Bank branch
OTP Express
37,9–66,9%	12–36 months	15 minutes	15 minutes	General terms	Bank branch
Our people
23,9–47,9%	12 months–5 years	2 days	2 days	Regular customer, investor	Bank branch
Business people
29,9–37,9%	12–36 months	2 days	2 days	Individual entrepreneurs and notaries	Bank branch
Promo
11,9–14,9%	1–6 months	2 days	2 days	General terms	Bank branch
Online
14,9–39,9%	12–60 months	2 days	2 days	General terms	online
Smart combination
24,3%	6–36 months	15 minutes	15 minutes	General terms	shop
Payment 2013
39%	4–36 months	15 minutes	15 minutes	General terms	shop
Festive
20,13%	6–24 months	15 minutes	15 minutes	General terms	shop

OTP Bank trusts its clients, and therefore does not include in its list of requirements the transfer of property as collateral or the invitation of guarantors when concluding an agreement (with the exception of one product).

Every Russian citizen with registration, over 21 years of age and under 65 years of age can count on receiving a loan.

However, this trust must still be supported by something - the bank cannot simply risk money and issue borrowed funds to anyone.

Therefore, each time an agreement is concluded, except for those drawn up in the bank’s partner stores, the client must provide not only a passport, but also information about his employer in the form of a Taxpayer Identification Number (TIN), as well as a document confirming income. All this helps the bank to reduce rates a little and be more confident in the return of funds.

For each applicant, the bank calculates a personal interest rate based on scoring (a special system for checking the client’s solvency, the result of which is assigned a certain number of points). It is affected by the amount of income, the term of provision of funds, the category of the client, and even the reputation of his employer.

Of course, the interest rate on a consumer loan at OTP Bank Promo is significantly lower (almost twice) than others, since it requires inviting a guarantor and the loan period is very short.

Credit term

The loan term significantly affects the amount of overpayment. The already considered Promo loan, issued for a period of up to six months, has the lowest rate among the bank’s products from 11,9%. Loans with a duration of 60 months (“Online”) have a long-term base rate of 31,9%.

The difference is noticeable, but this is only the base rate, which can be increased to 39,9% !

Number of documents

OTP Bank provides three packages of documents for obtaining a loan, and all of them are tied to its size.

Naturally, the more information a client provides to the bank about himself, the lower the interest rate becomes.

Required documents:

• To receive an amount within 200 000 rubles, you only need a passport, a certificate of registration with the tax office, and the employer’s TIN. If the client receives a pension (for length of service, labor or as an employee of the Ministry of Internal Affairs), he must attach the appropriate pension certificate. The last paper on the list must confirm the income of the potential borrower: this could be an account statement, a copy of a passbook, or a certificate of pension.
• If the loan amount exceeds 200 thousand, but less 400 000 thousand, then, in addition to the above, you will need a copy of the work book certified by the employer.
• If the amount is more 400 000 rubles, you will additionally need to bring a 2-NDFL certificate for the last six months or a certificate of income in the form of a bank, which must also reflect income for six months and be certified by the employer.

Of course, the full list also includes an application form, but you can get it at a bank branch or download it and fill it out yourself.

Issue time

For an express loan, the issuance time is 15 minutes - that is, money is issued immediately after approval.

It is difficult to check all the information about a client in a quarter of an hour, so the bank is reinsured with a huge interest rate - from 37.9% to 66.9% per annum.

Standard loans are issued within 1–2 days, so the rates for them are significantly lower. By the way, the bank reserves the right to extend the period for consideration of the client’s application without giving reasons.

Client category

Rates vary depending on the client category. Verified clients - borrowers who repaid their previous loan without any complaints or depositors who have had an account for at least 4 months, the base rate for them is – 27,9% for long-term obligations.

Risky clients - all the rest, however, for entrepreneurs and notaries they made an exception with the base rate 29,9% .

Loan issue location

The loan can be issued:

• at a bank branch,
• through the Internet,
• in the bank's partner store.

The most reliable way for a bank is in its own branch.

Online is a little less reliable, and it is also quite difficult to verify the identity of the borrower.

But in the store it’s completely inconvenient, despite the fact that the contract is drawn up by qualified personnel who are simply not in the branch, but behind the counter. However, all of this has an impact on the interest rate.

Comparison with other banks

Despite all the advantages, services similar to the OTP Standard loan from other banks are often much more attractive.

OTP Bank positions its loans as accessible to everyone - no collateral, no guarantee. In fact, the interest rates that compensate for the refusal of collateral make consumer lending in it unprofitable.