If you call the Bank's Hot Rate, the client will hear the informant's voice menu. It consists of 5 partitions. Each partition corresponds to a specific key on the phone layout.
- If you want to quickly connect with the operator and do not wait for the full message of the informant, then you need to click number.
- Per digital Secured bank card information. In this section, the client will be able to obtain comprehensive information on debit and credit cards, leave an application for release, find out the work time, check the status of consideration, find out the date of the next credit rate or minimum payment, etc. Pressing the number in the main menu, the client falls into the menu of the subsections of the category " Bank cards" Here you can quickly block plastic by pressing the digit, activate a new card by pressing the digit, get a PIN (digit 3), find out any information (digit 4). For example, if you want to activate your card, you need to call the RUD hotline and press the next sequence of numbers: 1 - 2.
- Under digital The main menu is a section with credit information. It also consists of several subsections. When you click on the figure in this section, the client can receive information about the Bank's POS credits, which are provided to buy goods and services in partner stores.
The digit will connect the client with the operator, which will provide comprehensive information on consumer loans in cash and non-target loans. When you click on the figure, the client will receive information about the conditions for the provision and maintenance of loans in the bank. - The "Deposits" section in the main voice of the bank's contact center menu is under the digit. When you click on this number of the client, the operator immediately translate. Subsections are not here.
- The last category of the main voice menu of the Call Center of the Bank is "other products and services" under digital. There are no its subsections here, so there is a direct connection with the contact center employee.
What time will wait for the response of operators?
The Call Center of the Bank is not so overloaded so that users wait for 20-30 minutes when the operator answers them. The usual response time rarely exceeds 1-1.5 minutes. In some cases, delays from 3 to 10 minutes are possible. It happens most often in a peak hour. This period lasts daily from 16:00 to 20:00. Often it happens on Fridays until late evening.
Disadvantages of Contact Center
When you call a hotline of the bank, and the subsequent connection with the operator, the system does not report an approximate waiting time, voicing only the fact that the first liberated operator will answer the phone call. In most other banks, the client reports at least an approximate time of the employee's response and is much more convenient.
The biggest minus of the hotline of the bank is the fact that the client will not be able to return to the previous menu by clicking some key (# or * in other banks). In the voice menu, OTP Bank is simply not provided.
If the client is wrong and selects the wrong button, it will have to repeat, or wait for an automatic connection to the operator, which will occur if it does not choose any of the categories 2 times in a row.
License Central Bank of the Russian Federation: №2766
About OTP Bank
OTP Bank Bank - Universal Credit Institute with a widely developed network of regional divisions. From March 28, 1994, it has a license of the Bank of Russia to carry out operations with money of citizens and enterprises in rubles and foreign currency; Included in the register of participating banks of the system of compulsory deposit insurance, is a professional player in the market valuable papers. Carries out all types of banking services presented in the financial market.
The head office in the city of Moscow is located at: 125171, Moscow, Leningradskoe sh., 16a, p. 1. In total, 14 branches are located in Moscow. Contact number:
The services of plastic card holders 18 ATMs in the city of Moscow.
The Bank of OTP Bank offers its customers an extensive list of financial services. For individuals, a wide product line has been developed, including deposit offers, plastic cards, consumer, mortgage and road lending programs, currency and other operations.
Urgent deposits are placed on extremely favorable conditions. The client can choose any of the 13 programs with the maximum rate to 9.00%. The following types of deposits are most popular with depositors: cumulative, protective, profitable plus (special conditions).
OTP Bank offers in the city Moscow Registration of debit cards, the total number of programs on which has reached 8, and the maximum rate on the residue was 4.00%. The most favorable programs: deposit + card, instant card, your choice (saving option).
8 Consumer lending programs offered by the Bank suggest interest rates from 6.00%. Most popular products: consumer credit in the store, Premium C16.5 (0-0-24), 0-0-36 l (0-0-36) + Euroset.
The bank issues credit cards for 4 programs with a minimum rate of 24.90% and a grace period. The most popular suggestions in the line: Clear credit card, good, large Cashback.
Here you will find the indicators of the current sales / purchases of currencies in the bank of OTP Bank. Currently, the euro sales / purchases rate is 66.00 / 62.00. Course of sale / buying dollar - 59.50 / 55.50.
In the ratings on assets, deposits and loans, it occupies 38, 44 and 24 lines, respectively. Total key indicators (assets / deposits / loans) - 180 190 million rubles, 44,121 million rubles. and 74,003 million rubles. respectively.
OTP Bankrefers to the OTP Group financial group and is among the 50 largest banks in Russia. There are over one and a half million customers.
The key line of activity of this financial institution is lending and other banking services for individuals.
OTP Bank ranks 2nd in the POS-lending market (Frankresearch Group on April 1, 2018) and 7th place in the credit card market (Frank Research Group on April 1, 2018). OTP Bank is a participant in the system of compulsory deposit insurance.
Part OTP Group is an international project. Touch Bank. - Retail Digital Bank, providing financial products and services through a personal online office and a mobile application.
"SPO-BANK" has repeatedly become the best in various nominations of the contests "Financial Olympus" and "Financial Literacy".
In addition, the Bank is part of the Association of European Businesses, Russian Banks, among the participants in the deposit insurance system, stock market and other non-commercial organizations.
The OTD-Bank plans are a partnership with three million contented customers, building a long-term mutually beneficial partnership with them. Also one of the main goals of the bank is the inclusion of it in the twenty of the most rating banks of the country.
The bank is dynamic and in otherscountries , Including in Ukraine.
In January 2020, 18 branches and 17 AT OTD Bank bank are operating in the city of Moscow.
"OTP Bank" is included in the top 50 of the largest banks in Russia, and for a number of areas - among the market leaders, providing and offering a universal list of services and credit products. Thus, "OTD Bank" is located in the top three banks in terms of issued consumer loans for certain types of goods in retail outlets. "OTP Bank" is present in four thousand settlements of the country, four millions of our fellow citizens have already become its clients.
Entrance to the Internet Bank "Spotchart"
For entry B. personal Area "OTP Bank" type in your browser the address of the site https://direkt.otpbank.ru/, enter the login issued when signing the contract, and the password entered your phone number on the SMS message. Next will remain click on the "Login" button. During the first authorization in the Personal Accaster you need to change your temporary password for permanent.
Please note: do not report anyone and do not pass your password with a login! Employees "OTP Bank" never ask their customers to inform him. Use abbreviations from Latin letters and numbers that you will not forget. If during the login to the "Speaken" service, it reports incorrectly entered login and / or password, check the language mode selected on the keyboard, as well as the "CAPS LOCK" button.
You can also download and install the Mobile Bank application on your smartphone or tablet. Authorization data are the same. Now all the possibilities of "OTP Bank" will be at hand 24 hours a day: you can easily carry out money transfers, to make payment, replenish the account or contribution, etc. In addition, to obtain comprehensive information on your loans, credit cards (find out available limit or balance, details, recent operations), deposits, accounts (your details, operations), monetary translations and executed operations you can also in one click using the TelerGam bot installed on your smartphone. Plus, it will be actual information about the course of currencies and the shares held in the "OTP Bank".
How to register
To gain access to your personal account, you must perform the following steps. First, it is necessary to conclude an agreement with the bank to receive any service / product: for example, to maintain and maintain a personal account, contribution. When making a loan or a credit card, you will access automatic mode. By the way, you can disable access at any time and at any stage of working with the OTP Bank. The service is provided free of charge. The subscription fee for the service is not charged.
How to restore access to your personal account
If you incorrectly enter your password three times, your Internet banking will be blocked. Restore access to the Public Bank Personal Cabinet can be three ways:
- on the page of the official site designed to enter the "spinitory"
- by phone hotline of the contact center,
- in the office of "OTP Bank".
I give the consent of OTP Bank JSC (125171, Moscow, Leningradskoye Highway, d. 16a, p. 1) for processing (collection, systematization, accumulation, storage, refinement (update, change), use, distribution (including The number of transmission), deletion, blocking, destruction) of my personal data, including the names, name, patronymic, details of the identity document, as well as other information related to me in order to consider this request and providing an answer to it.
I am notified that storing a message containing my personal data will be carried out for 1 year from the date of its direction.
Frequently asked Questions
Credit cards
- How to activate the map?
Did you get a mail card or with a courier?
- To activate the card, you will only just call the bank by phone. 8-800-200-70-01 or on Skype () and report an employee about his desire.
The procedure does not take much time. You will need to answer a few questions, after which, in the case of a positive decision, the card will be activated.
No later than the next working day, you will be able to use it.
Did you get the map in the department?
- In this case, the card is issued already activated.
- What if I lost or forget the PIN code?
Is it possible to use the card immediately after activation?
If you got a card without a pin code, then after activation within two weeks it will be sent to you by mail, but for now you can get money at the cash desks, presenting the card and passport.
- Is it possible to use the card immediately after activation?
Card was framed in the bank branch?
- In this case, contact the Card Reseament Office with a new PIN code.
Addresses of offices, the mode of their work can be clarified on our website:
Map received by mail or with courier?
- Order a call card by call to the bank by phone. 8-800-200-70-01.
- The card ended the validity period, how to get a new one?
After the deadline for the map is completed, it is no longer possible, but if you still have an outstanding debt, you can continue to pay a loan, as before any convenient way except ATMs :.
If you received the map by mail or with a courier, then Order a call to a call to the contact center of the bank by phone. 8-800-200-70-01 either by Skype ().
If the card was drawn up in the bank branch, thencontact your service department to write an application for reissue.
- How to control your account on the map?
- call the contact center of the bank by phone. 8-800-200-70-01, in order to obtain a consultation of a specialist, or use the autoinformer service (IVR). To do this, move the phone into the tone mode and follow the voice prompts.
- write an electronic circulation to.
- contact Skype ()
-
Telecode is your personal number to enter the automatic banking system.
Telecode is needed when using the autoinformer when calling a bank by phone.
- What is the credit limit card?
Credit limit is the amount that the Bank provides you in long-term use.
For a certain time (during the term of the card), you can "lend" this money, return back to the card and use them again.
- Are there any restrictions on the credit limit?
Yes there is. The Bank individually establishes a credit limit for the client's map after evaluating the client data specified in the questionnaire.
- Can I change the amount of credit limit on your map?
- How to find out what the conditions on the map are?
Detailed information about the conditions for using the map you can view in the accompanying documents obtained along with the card (tariff, booklets) by calling the bank by phone. 8-800-200-70-01 or Skype (). By sending an electronic circulation to.
- How to pay a loan on the map?
After you use credit money, they will need to return back to the map. Depending on the tariff (you can clarify it on the site :) The bank establishes a certain amount of monthly minimum pay. It will be enough to pay off interest and payments for the use of the loan within a month, and pay part of the amount spent.
You can also make any amount anymore more than the minimum payment, up to the full repayment of the loan. The upper boundary for the amount of payment does not exist. - What is the minimum payment?
The minimum payment is that the amount of money you need to make every month in order to pay interest and payments for the use of the loan and repay the amount spent.
The size of the minimum payment depends on the tariff conditions. Find out what minimum payment is precisely on your card from the tariff obtained along with the card, or by contacting the bank in any way convenient for you: call the phone. 8-800-200-70-01, by Skype (). By sending an electronic circulation to. -
- Until the next repayment date, together with the next payment, you need to pay missed payments, as well as fines (if they were accrued). You can find the amount of payment by phone. 8-800-200-70-01, on Skype () or sending electronic appeal in the feedback form on the bank's website :.
- What fees are charged for using the card?
Taking advantage of the credit on the map, you need to return the spent amount of money together with interest and additional fees, which are provided for by the tariff.
Additional fees can be:
Fee for SMS informing 59 rub. - Charged monthly until you fully pay out a loan.
Payment for maintenance of the Card received in the Bank's Office is paid once a year, the size of the board depends on the type of card.
Payment for service card received by mail or with a courier is paid once a month in the amount of 99 rubles.
You can check the parameters of your tariff plan on the Bank's website:
- Is it possible to pay the card payments more than the minimum payment?
Yes, you can make a payment on the card every month, unlimitedly exceeding the minimum, right up to the full debt repayment. At the same time, you faster pay off credit and overpay interest.
After all, percentages are accrued every day to the balance of debt, therefore, the less debt remains, the less interest is accrued for this amount. - Is it possible to use the card abroad?
Sure you may. OTP Bank International payment system Visa or MasterCard You can pay for goods and services in any trade organizations worldwide hosting plastic cards to pay, or receive money in cash in ATMs of any banks.
- What is a grace period?
The grace period (he is grace-period), as one of the most significant advantages of your card, gives you the opportunity to enjoy the loan and not overpay for this interest.
Preferential conditions apply only to non-cash purchases.
In order to take advantage of the terms of the grace period, before the date of its completion, you must pay the entire amount of debt. In this case, interest on the purchase committed during the grace period will not be accrued. - What date begins the grace period?
From the date of activation of the map, the calculated periods of exactly 30 calendar days are calculated during which it is necessary to make minimal payments if you do not plan to immediately repay debt.
And the date of commencement of the grace period coincides with the date of commencement of the estimated period every month.
The duration of the grace period is 55 calendar days.
You can find out the start date and completion of the grace period by contacting the bank any way convenient for you: call the phone. 8-800-200-70-01, by Skype (). By sending an electronic circulation to. - How does the grace period work?
From the date of activation date, the calculated periods of exactly 30 calendar days are calculated.
On the last day of each billing period, the Bank forms an extract on the account of the card, which sends you by mail.
This extract contains the amount of full debt, taking into account all your expenses and paid payments for the past settlement period (month). In order to take advantage of the conditions of the grace period, you need to pay the amount of complete debt to the date of completion, calculated on the date of the discharge date.Let us give an example.
You activated the map 01 January.
During the month you pay the purchase card.
On January 30, the Bank forms an extract with the sum of complete debt following the month.
Over the next 25 days, you need to pay off the amount of complete debt.
By completing these conditions, interest on all purchases last month will not be accrued.If, in addition to non-cash shopping for a month, you have yet been filmed money from the card, then preferential conditions continue to operate on purchases, but it will be necessary to pay interest, which were charged on the amount of cash removed.
You can find out the date of start and end of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, by Skype (). By sending an electronic circulation to.
- How to get an extract on the map?
To obtain an account of account for the account of interest, you can contact any representative office of the bank, the addresses of the offices are on the site :.
- Is it possible to use the card again?
The card can be used an unlimited number of times during its entire period.
Duration You can check on the front side of the card (in the center, under the map number in the month / year format).
Available card balance will increase with each of your payment, and after full repayment of debt, the credit limit will be restored to the initial value.
If the credit limit is fully exhausted, the available funds will appear only after making you another payment. - How to close the card account?
In order to close the bill on the map, you need to contact the Bank's office: and write an appropriate statement.
A prerequisite for making an application for execution is the full repayment of the loan. If your own funds remain on the map, then in the application you will need to additionally specify the account number to which you entrust the bank to translate your money.
The deadline for execution of the application from the moment of its receipt to the bank is up to forty calendar days.
Credits in stores
- What is a consumer loan?
- General conditions for issuing a loan?
Credit can be issued on any of the existing lending programs.
Minimum amount Credit: 3 000 rubles. (depending on the action, the amount can be reduced to 2000 rubles.);
Maximum loan amount: up to 600,000 rubles. (Depends on the promotion and region);
Loan period from 3 to 36 months;
Loan rate: from 14.7%
Initial contribution: from 0% to 99%
Monthly Commission: from 0%
Early repayment: free
Credit currency - rubles.
Detailed information about which lending programs are valid in your region, you can learn from our agents in the store. - How to get a consumer loan?
You need to contact the OPP employee in the partner store, choose the most suitable conditions for you on the loan and fill out an application for credit.
The decision to provide you with a loan and its amount will be made within five minutes.
In the case of a positive solution, you will need to sign documents and get a payment schedule with receipts for payment. - What are the requirements for the client to receive consumer credit?
- Russian citizenship;
- Permanent registration and actual accommodation in any of the regions where there is a bank credit and office office (addresses can be found on the website :);
- \u003e Age at the time of applying for a loan - from 21 to 69 years inclusive.
To obtain information on which conditions on loans in your region are available, you can have an OTD employee in a partner store.
- In which stores can I make a consumer credit of the bank?
You can get a loan at any bank partner store if it is located in the region of your permanent registration and actual residence. You can clarify the address of the stores in the Bank's credit and cash office of the Bank in your region. Contact phone numbers are on the site :.
- Does it necessarily insure a loan?
When applying for a loan, your desire to insure a loan or abandon this service for the decision of the Bank does not have an impact. The decision is made by the bank based on the verification of the data specified by you in the questionnaire.
For consumer loans, you may be offered life and health insurance programs, as well as insurance in case of work loss. You can see more detail with their conditions on the site: - Is it possible to repay the loan ahead of schedule?
Sure you may. Early repayment of the loan is possible on any time.
You will save your own funds, because it will not be necessary to pay interest in the next months of the loan.
To do this, you need to pay the amount of complete debt to the nearest repayment date.
You can find out the amount for early repayment from the payment schedule or contacting the bank:- call tel. 8-800-200-70-05 to obtain a consultation of a specialist, or use the autoinformer service (IVR). To do this, move the phone into the tone mode and follow the voice prompts.
- get an express statement on the loan:
- find out the amount of debt via the Internet Bank "Sweep" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs on the site :);
- contact Skype ().
- Is it possible to pay a loan payments more than the minimum?
When you receive money, more than the amount of the required payment, from your account at the repayment date, only the amount equal to the payment from the schedule is spiked.
The remaining cash will be covered only at the date of payment of the next payment.
Accordingly, next month it will be necessary to pay the difference between the amount of the next payment and the part moneywho remained as overpayments from last time. - How to pay consumer credit?
Upon receipt of the loan, the Bank's employee will give you a payment schedule for which it will be necessary to pay. There are several ways to pay consumer credit, both inside the bank through the network of offices and self-service terminals and third-party payment systems.
You can get acquainted with them here:
You can choose the most convenient for yourself. - What if I missed the payment?
If this is the first payment of payment, then you must add only missed payment and the amount of the second payment before the date of the next payment. Finalies for passing the first payment Bank does not charge.
In case of passing a second payment, you must pay a fine in accordance with the tariff:
You can clarify the amount of payment by contacting the bank in any convenient way:- call by phone. 8-800-200-70-05 to obtain a consultation of a specialist, or use the autoinformer service (IVR). To do this, move the phone into the tone mode and follow the voice prompts.
- write an electronic circulation to;
- get an express extract on the loan:
- you can check the amount in the Internet bank "Spedirkut" (you can connect the service at any office of OTP Bank, detailed information about the service and tariffs are on the site: https: //direkt.site);
- contact Skype ().
- How to control your credit account?
You can use convenient and simple information services:
- call the contact center of the bank by phone. 8-800-200-70-05 to obtain a consultation of a specialist, or use the autoinformer service (IVR). To do this, move the phone into the tone mode and follow the voice prompts.
- write an electronic circulation to;
- browse information about payments and debt via the Internet Bank "Speakers" (you can connect the service at any OPP Bank office, you have detailed information about the service and tariffs on the site :);
- contact Skype ().
- What is a telephone and how to find out?
Telecode is your personal number to enter the automatic banking system.
Telecode is needed when using the autoinformer when calling a bank by phone.
Telecode consists of three digits. Its value is equal to the three last digits of the number of your passport of the Russian Federation. -
If you have the need to return the goods, then, first of all, you should resolve this issue with the store. Then contact the Bank's employee (a representative of the Bank, which made you a loan), fill it in Him for the return of the goods.
Over the past use of the loan, the Bank will need to pay interest according to a new payment schedule, which an employee will issue you after recalculation.
Money paid by cash in the store when buying goods ( an initial fee) are subject to return in full - How to return the goods and terminate the contract?
You can ask for a certificate to any partner store or the Bank's credit office office in your region, the addresses of the offices are on the site:
With your passport you can contact any branch or branch of our bank in your region. Our experts will help you calculate a loan and choose the best option.
In addition, you can make a preliminary application for a cash loan on our website. - What basic requirements for obtaining a loan are presented to the borrower? What documents must be provided?
- age of 21 years at the time of filing an application to 65 years inclusive at the time of repayment of the loan (according to the program "Business people" the minimum age of 25 years at the time of submission of the application);
- russian citizenship;
- permanent registration in any region of the presence of the bank and actual accommodation in the Region of the Credit Region;
- permanent place of work and the term of the experience in the last place of work that meets the conditions of the lending program.
A complete list of requirements for the bank to the borrower and necessary to obtain a loan of cash documents are presented on our website in the "Cash Credits" section: http: //www.Sype/retail/nopurpose/, or you can contact our contact to clarify it -The number by phone +7 495 775-47-75 (for residents of Moscow and the Moscow region), 8-800-100-55-55 (a call from the regions of Russia is free).
- What are the timing of making a decision on credit applications and how much does it work?