Find out the balance on a credit card ot bank. How to find out the balance of the otp bank card

OTP Bank is one of the few banks that provide its customers with open credit lines, expanded opportunities to obtain information on the loan balance.

How to find out the balance on a loan from OTP Bank?

This can be done using the following methods:

by calling customer support;
through the OTP Direct system (Internet banking) and SMS banking;
using the express loan information service available on the OTP Bank website;
by sending a request to the email address [email protected], indicating the information of interest, passport data, loan agreement number);
via the Skype voice system (contact name - otpbank_russia);
by visiting the nearest branch of the bank with the provision of a personal passport.

The first three options will be discussed in more detail below.

Contact with the operator of the credit support service through the call center

Perhaps the most affordable way to find out the loan balance is to call OTP Bank. Depending on the loan program, the following phone numbers are available for customers:

For recipients of consumer loans in OTP Bank partner stores:

8-800-200-70-05 / digit “2” / agreement number / symbol “*” / telecode (personal number of a credit client from three digits, obtained when drawing up a loan agreement). Initially, the telecode is a combination corresponding to the last three digits of the passport, but it can be changed at the request of the borrower. To do this, dial 8-800-200-70-05 / digit “2” / contract number / symbol “*” / telecode / “4” / new code.

For OTP Bank cardholders:

8-800-200-70-01 / digit "2" / card number / symbol "*" / telecode (replacement of the telecode: 8-800-200-70-01 / digit "2" / contract number / symbol "*" / telecode / "4" / new code). By calling the indicated numbers, you can not only clarify the loan balance, but also find out the amount and the deadline for the next payment, as well as get acquainted with the information about the last repayment of the debt.

Express-help on the card / loan

You can see the movement on the credit account using the opportunity to receive an electronic statement. To do this, you need to select the appropriate item in the "Control funds" section on the main page of the OTP Bank website. In the window that appears, you must enter the requested data (card or agreement number, telecode and pop-up authorization code).

SMS banking and OTP Direct system

Modern technologies make it possible to manage bank accounts from any place where Internet access is provided. The implemented protection methods ensure the safety of the information received and its confidentiality. Thus, the owners of mobile phones can easily manage their bank account through SMS banking. By linking a credit card to a phone number, you can perform a number of operations in addition to obtaining information about the status of loan debt. For example, pay utility bills, phone bills, Internet bills, etc., transfer money from one account to another, temporarily block a card, and much more. In order to find out the balance of the loan received from OTP Bank, you need to send an SMS to the short number 5927 with the word “CREDIT”, and you can get full access to the possibilities of such a service by dialing the code word “HELP”. We need to dwell on the OTP Direct system in more detail.

OTP Direct - Internet banking of OTP Bank

Clients who have received a loan from OTP Bank or who have opened a deposit account are automatically connected to the OTP Direct Internet bank. OTP Direct provides customers with even more advanced features than SMS-banking. Using it, the client gets access to the full list of services usually provided to individuals within the walls of a banking institution. Thus, using a simple program available on the bank's website, you can:

receive a detailed statement of credit and card accounts, bank cards and deposits;
view information about the movement of your own open accounts in the bank;
pay for numerous services online;
make transfers in rubles between own accounts and cards opened with OTP Bank;
make transfers in rubles to private accounts opened with other banks;
clarify payment details, payment terms and other information in real time.

The advantages of using the service capabilities of OTP Bank for clients are obvious. The possibility of extended control over the use of credit funds by the borrower in the absence of the need to go to the bank for these purposes cannot but attract potential customers. The only thing left to do is to familiarize yourself with the terms of lending and make your choice.

This financial institution is in great demand among the population. This is due to the reliability of the organization, loyalty to customers and a large selection of products on offer. However, not all users have an idea of how to find out the loan balance at OTP Bank. In fact, this operation can be implemented in different ways. Each user will choose the most suitable option for him.

Ways to check the balance of debt

All major financial institutions offer their clients modern service methods. A few years ago, in order to check the balance on a loan, it was required to visit a bank branch or look for an ATM. Today the situation has changed significantly. OTP Bank offers the following options:

Make a call to the client center. The service operates 24/7, that is, around the clock and seven days a week. This method is one of the most efficient;
Complete registration in the company's Internet banking. The system is called OTP Direct. Allows you to conduct remote transactions, check the loan balance and monitor the open accounts. You can activate this service when receiving a credit card or later by visiting a bank branch;
Make a request on the official website of the organization - https://www.otpbank.ru;
Use email and send a letter to: [email protected] The letter will need to write personal information - full name, passport data, contract number;
Use the popular Skype messenger. You will need to find otpbank_russia in the contacts and send a request;
Visit the office of the organization. You must take your passport and a plastic card with you (if the loan was issued on a card, and was not issued in cash).

Each method has advantages and disadvantages. For example, older people will find it difficult to master the Internet banking system, while younger clients do not want to visit a bank office again.

In addition, you can check the loan balance at OTP Bank using an SMS message. This option is also quite convenient and popular. Unlike a phone call, you do not need to memorize a combination of numbers to obtain the necessary information.

Internet banking is considered the most popular method. With the help of the online service, the client only needs to log in to the system and find out all the information in a few minutes. However, you should consider some of the options in more detail.

How to find out the loan amount by phone

In this case, there are two ways: SMS and calls to the client center. Each of them should be considered.

By sending SMS

To get information on the state of the credit balance using a regular SMS, you need to do the following:

Type the text credit (required in Latin);
Send it to number 5927.

You can familiarize yourself with all possible operations using this method by typing the help command and sending it to the same number. The money from the mobile phone account will be debited in accordance with the operator's tariff used by the client.

Call to OTP Bank support service

The situation with a telephone call is somewhat more complicated. There are two ways, which differ in the type of loan (consumer / card):

If the client has issued a consumer loan, then you will need to dial 8 800 200 70 05, then click on the two, enter the number of the loan agreement, click on the asterisk and add a telecode (it is issued personally). This combination (telecode) consists of three digits and is given to the client during the execution of the agreement. In the event that a citizen has forgotten this combination, but did not change it, then the situation will be resolved quite simply. The code is the last three digits of the client's passport;
The holders of the plastic carrier can find out the balance of the loan in OTP Bank in the same way, however, instead of the contract number, you need to enter the plastic card number.

Find out the balance by the contract number

This operation can be implemented using several methods. Their list looks like this:

Internet banking;
A call to a single customer center (the number is written above);
Visiting a bank branch;
Request on the official website of the organization.

However, in addition to the loan agreement number, additional data (full name, information from the passport) may be required.

Express help on the bank's website

Such a procedure allows you to receive a detailed statement regarding the balance of funds, operations performed and other transactions. The operation can only be performed on the institution's website. You need to do the following:

Go on the website;
Find the section Control funds and go there;
Fill out a small form, which consists of the contract number, telecode and one-time code, which comes in the form of an SMS message to the phone number specified by the client;
Confirm the operation.

After a while, the client will be provided with a detailed history of operations and other information of interest.

How to change your personal code

If you need to change the telecode, you will need to do the following:

Dial 8 800 200 70 05;
Number 2;
Agreement (card) number;
An asterisk;
Write the old code;
Press 4;
Register a new telecode, which must consist of three digits.

Conclusion

There are no specific recommendations as to which of the options is best to use. Each method allows you to find out the balance of the loan at OTP Bank. In some situations, it is more convenient to visit the bank in person. However, remote verification methods, via telephone or the Internet, are more efficient and customers prefer to use them.

The consumer has issued a cash loan in bank. He is interested in the removal mechanism credit arrears and the remainder of it. The applicant must have information about the required amount to be repaid.

Bank OTP provides the requested information as soon as possible. The organization will offer several options for getting the information you want. The borrower has the right to opt for any of them.

Ways to pay or find out the loan balance

For the convenience of repayment credit loan or to check the residual amount on the account, the borrower chooses the most suitable for himself. These include:

Mobile application, i.e. through a special package installed by the user on the telephone device.

Functions of the "OTPcredit" application

It is easier to track your credit history. All information about making payments will be contained on the mobile phone. For this:

activate the application using your cell phone number;
via SMS, reminders of the next payment date and its exact amount will begin to arrive;
a list of repaid payments and their loan balance will be displayed;
the information displayed on the monitor will indicate how and where to pay the loan;
payment acceptance points are indicated on the card.

The mobile application is installed on both a phone device and a tablet. This service is similar to Internet Banking, therefore, the same username and password are used.

SMS banking. This is an electronic service through which a bank employee notifies the user about financial / credit transactions carried out on his account. Messages come via SMS. This type of communication is used when there is no Internet connection. For status information credits the borrower sends a request to the number 5927. The text “loan” is written in the “Messages” phone window.
Internet bank. Access to accounts and credit maintenance takes place from a computer. The borrower can use the service at any time to check the terms of the agreement, find out his debts, clarify phone numbers, replenish information about OTP- office.

OTP Bank has a website with a Personal Account. It can be found at https://www.otpbank.ru.

To enter OTP-Direct online banking, you first need to log in. Already upon confirmation of the loan in bank the manager sets a set of letters / numbers / symbols (if passport information is available). After authorization, the login and password are entered where it says "registration".

By entering the "funds control" section, you can see your personal status credit balance, how much of the repayment should be paid. The service is available 24 hours a day.

Telephone call

Connect with the help desk on the line phone number 8800-100-55-55. The call is free from both landline and mobile in the territory of the Russian Federation.

0707 – room lines for cell phones. No money will be charged. The service is available around the clock.

Specify information on credit, your debt, what amount is required to pay off.

Remember! The operator needs to verify your identity information. Passport details, number credit obligations.

Be prepared to spend minutes waiting as the line is sometimes busy due to congestion.

There is another algorithm.

call the technical support service;
press number two and enter the number code of the card (completely!);
press "asterisk" - * and enter a 3-digit numeric telecode. It is similar to the last three digits in your passport.

It's personal room, to enter the automatic mobile service.

The call center operator will clarify the timing of the payment credit or will report debt.

Visit a bank branch

Discover where is the nearest office jar, it is possible through the official page on the Internet. Credit institution website: https://www.otpbank.ru.

In the upper corner, click the name of your city. "Branches and ATMs" are highlighted. The map contains all the information about the location of the banking organization and its terminals.

Then the client comes in person to bank to get information on credit the remainder. The operator will answer the questions of interest, but he needs to know No. loan agreement and provide a passport.

How to pay off the residual credit cranium

We pay off debt on debt through terminal devices, which are available both in the credit institution itself and in many retail outlets. It is not necessary to contact a bank employee and wait for an invitation by electronic turn. The machine will give information about the repayment of the balance or debt. The program installed on the device will prompt the rest arrears and will display a list of all payments for the current credit loan.

How to perform the operation:

insert the card. If the terminal of a third-party financial institution, you are looking for your own in the list beforehand. bank;
on the screen that appears, a numeric designation is entered negotiated with announcements (20 digits);
click "next";
data on arrears and what is the residual amount for credit;
in the screen window select "repayment credit"Or" pay ".

Using online chat

Tell the specialist that you are interested in the balance of credit or about him arrears... The operator will need passport data, numeric code loan agreement.

After processing the information, a specific amount is reported debt.

Email address to help you

By e-mail [email protected] send a request. In the e-mail write “how find out the loan balance ". Do not forget to send your passport information and contract numbers.

Receiving information through instant messengers

Bank OTP works with clients and the method of sending messages through programs that are both on the computer and on the mobile phone. These are Viber, WhatsApp, Telegram. Use a convenient device and get information on the balance of the loan amount.

Address the request to the profileotpbank_russia.

Joint-stock company "OTP Bank" provides many opportunities to find out the credit balance or its debt. The borrower chooses a more acceptable one for himself.

Attention! All information on this site is presented for informational purposes only. The site does not collect and process personal data. Federal Law of July 27, 2006 N 152-FZ "On Personal Data" is not violated.

Borrowers, in order to monitor the status of their loan, always want to know the balance of the account on it. This makes it possible to determine the amount of a specific debt if you intend to repay the loan ahead of schedule, or it allows you to accurately identify whether a payment made a few days earlier was credited. OTP Bank allows you to find out the loan balance to anyone who wants to be aware of the transactions made on his account. At the same time, there are several ways to notify customers, which we will deal with in detail in this article.

It is as easy as shelling pears to get data on your OPT bank account.

The financial institution does not hide this information, but, on the contrary, is trying with all its might to provide as many options as possible to get acquainted with the balance and the outstanding loan debt.

Via SMS

SMS banking is a fairly reliable way to obtain information on the 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 pretty straightforward. You need to dial 8-800-200-7-005 and wait for the switch to the operator.

overload on the line is possible;
takes a long time because the operator checks the information.

Through the Internet

To inquire about 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, you will see the data:

contract number;
current rate;
the balance of the debt;
delay (if any) and the amount of the fine that came over 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 by the agreement number without much difficulty. For this:

Dial 8 800 200 7–007.
Now he presses "2" on the keyboard of the mobile device.
Enter your card number and press "*".
Next, you have to enter the telecode, which is issued in addition to the concluded loan agreement. It consists of only 3 digits (if you have not changed 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 on the contract number - go to the official website and order a credit statement:

You are taken to the main page.
Select the tab "Funds control".
In the form that appears, enter the agreement number / card account, telecode and one-time code that will be sent to your mobile.
The financial institution will shortly form you a detailed debt report.

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

For active Skype users, a connection with a bank representative is available by adding otpbank_russia to the list of their contacts.

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

In order to save money, many borrowers are trying to choose a payment option in which the OTP-bank will not charge a commission.

Among the free methods of replenishing a credit account, there are:

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

We're glad we helped you with your purchase! We remind you that a loan for a product was provided by a bank, not a retail outlet, therefore, for all questions, you will need to contact OTP Bank directly.

For your convenience, we have collected answers to the main questions that arise when using a consumer loan. For repayment methods, see the section "Repayment of OTP Bank loans"

How to return or change a credit item?

If you want to exchange or return a product purchased using credit funds:

Contact the store where you purchased the goods with your passport and documents issued to you when applying for a loan.
Tell the store staff that you want to return or exchange an item.
Then contact the representative of OTP Bank in the store, and he will advise you on all issues

There is no bank office in my city. Where to contact if you have any questions?

If your city does not have a credit and cash office, for any questions that arise, you can contact a representative of OTP Bank in the store where you purchased the goods, or by calling the bank's contact center: by short number: 0707 (free of charge from mobile numbers Beeline, Megafon, MTS, Tele2). You can view financial information (date and amount of payment, account status, date of the last payment, etc.) in OTPDirect Internet Bank.

How to repay a consumer loan in full ahead of schedule?

Specify the amount for full repayment in the bank's inquiry service by calling 8-800-200-70-05.
Fully deposit the full amount for early repayment into your account.
On the date of the next payment, your loan will be repaid. You do not need to come to the store or the Bank's credit and cash office or write an application.
In order to be sure that the loan is eventually fully repaid, be sure to call the Bank's contact center again to clarify the information on the complete closure of your loan, or look through the Internet bank "OTPDirect", which is provided to all clients free of charge.
Be careful, pay the full amount for early repayment in advance so that the funds are credited to your account on time (for example, if you pay a loan through the Russian Post, you must deposit funds 10 days before the date of the next loan repayment specified in the payment schedule).

Repayment of consumer and non-earmarked loans of OTP Bank

Where can I see the amount owed and the maturity date?

The amount of debt, the date and amount of payment can be found in several ways:




	REKV: find out your details

How not to be in delay?

Repay the loan on time in accordance with the payment schedule so as not to get into delays and avoid the accrual of a fine. It is better to make payments in advance so that they can be credited to your bank account.

Your reliable assistant in repaying the loan will be the free mobile application "OTPcredit", which can be downloaded to your smartphone or tablet. The application will remind you of the date and amount of the loan payment.

What happens if you miss a loan payment?

If the loan payment is missed, the Bank will charge a fine. In addition, late payment will negatively affect your credit history. In order to avoid such situations, deposit funds in advance. If you have any problems with the loan repayment, be sure to inform the Bank about it. OTP Bank meets halfway to meet its borrowers who find themselves in a difficult life situation. If your financial situation deteriorates, you can restructure your debt. Restructuring implies a decrease in the monthly payment or suspension of the loan repayment for a certain period with an increase in the term of the final loan repayment.

What if I can't pay on time?

For those who took out a loan at the branch, the service of transferring the payment date is provided. If it becomes uncomfortable for you to make payments in accordance with the established schedule, you can write an application to the Bank to establish a new payment schedule, and in case of a positive answer, repay the loan on the days when it is convenient for you.

If you have any problems with the loan repayment, be sure to inform the Bank about it yourself. The bank staff will discuss all possible options with you.

What if I have lost my details?

Find out your details using our services.

	Internet bank "OTPDirect" When signing the loan agreement, you received a username and password. Go to the Internet bank by entering them in the appropriate fields.
	Mobile bank "OTPDirect" When signing the loan agreement, you received a username and password. Go to the Internet bank by entering them in the appropriate fields. Install the free application on your smartphone or tablet (login and password, as in the Internet bank). Available on the App Store and Google Play.
	Application for borrowers "OTPcredit" Free application for clients who have received a loan. Authorization - by mobile phone number. Available on the App Store and Google Play.
	SMS bank Send an SMS with the text of the command to the short number 5927: REKV: find out your details CREDIT: find out the amount and date of payment, the balance of the debt HELP: get a list of additional commands (SMS-informing service must be activated in advance)
	Bank inquiry service Free round-the-clock numbers: 8-800-100-55-55 (cash loans); 8-800-200-70-05 (loans issued in stores)
	Branch of OTP Bank You will need your passport for information.

Did you make the payment, but the money did not arrive at the Bank?

There was a mistake in the recipient's details.

If you find an error in your details, you need to contact the nearest office of OTP Bank with a passport and all documents confirming the fact of payment. At the bank, you need to write a free-form application with a request to transfer money to the correct current account.