OTP Bank is a popular financial institution. This bank is popular not only because of the wide range of services they provide, but also because they put customer service first. This is one of the few banks that gives its clients the opportunity to find out the loan balance. The bank creates all the necessary conditions for this and offers several options.
The main ways to obtain information from OTP Bank about the loan balance
To find out the loan balance at OTP Bank, there are several ways:
- Call the bank's support service. The service operates seven days a week and around the clock.
- Register in the OTP Direct system. This system is an online bank in which you can carry out transactions remotely, including the ability to check the OTP bank loan balance.
- Send a question to [email protected] , you must indicate in the request your first name, last name, patronymic, contract number, passport details and formulate your request.
- You can find out the loan balance using a certificate, which is ordered on the bank’s website.
- You can view the OTP Bank loan balance at the office of a banking institution. To do this, you will need to show the specialist your passport as a citizen of the Russian Federation.
- Also you can use the voice system, to do this you need to log in to Skype and add the contact otpbank_russia.
Using SMS, bank clients can check their loan balance, transfer funds between their own accounts or to a third-party account, pay for Internet access or utilities, or, for example, You can block your credit card.
To check your loan balance using SMS, you need to send an SMS with the text “credit” to the number 5927. To get full access to SMS banking, you need to send the word “help” to the same number.
Is it possible to find out the loan balance at OTP Bank via the Internet?
Clients who have opened an account, made a deposit or signed a loan agreement are automatically connected to OTP Direct - special program of the bank.
This service provides extensive opportunities for managing customer accounts, much broader than SMS banking. Using OTP Direct, a bank client has the opportunity to view the loan balance, as well as perform a number of operations without visiting a bank office.
You can read what conditions and interest rates on deposits Sovcombank offers its clients
After completing a simple registration procedure for Internet banking, clients will be able to:
- Get information on the movement of funds.
- Receive loan, deposit, debit and credit card statements for a specified period of time.
- Pay for purchases, fines and loans online.
- Find out payment terms.
- Transfer funds from account to account. Transfers can be made between your accounts and to the accounts of other banks.
- Find out the details required for payment.
- And much more.
How much does it cost to appraise an apartment for a mortgage at Sberbank - read
For the new generation of account management, this is a very convenient service that, among other things, saves time. Using the OTP Direct system, you can check your loan balance in a matter of seconds.
Step-by-step instructions for using the system OTP Direct - in the following video:
OTP Bank is a representative of an international financial group that occupies a leading position in the credit services market 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 deposit insurance system and a member of the Moscow Exchange, and in addition is a member of the Association of European Businesses and the National Securities 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. The credit limit and payment schedule are calculated individually.
If the loan is repaid early, no additional commission is charged. 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 for short terms. 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. In addition to the registration certificate, an individual entrepreneur 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 a 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 on a bank 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 basic requirements for the borrower when receiving such a loan:
He must be between twenty-one and sixty-eight years of age.
You must have at least three months of work experience in your last position.
The user must be registered in one of the regions where the bank branch is located.
1. Large families are offered a “Preferential” loan.
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 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
Those who are used to applying for banking services online should use our service.
Here are the main advantages of filing a remote application:
1. You can apply online for 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:
You can pay for the loan on the official website using a bank card. The money will be credited within a day. The commission amount is two percent.
You can also repay the loan through a QIWI wallet. The commission amount is one and a half percent.
You can pay for the loan in retail chains that are partners of Zolotaya Korona. The money is credited instantly, and the commission amount is one percent.
Another way to repay a loan is the Elecsnet electronic wallet. The commission amount will be one and a half percent.
You can also transfer money from the account of one of the MTS mobile numbers, the Commission is two and a half percent.
Alternatively, repay the loan from the Yandex money e-wallet. Specify the commission amount when paying.
You can repay the loan using the Cyberplat payment system. The commission amount is one and a half percent. Money is credited in one day.
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 your 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 help desk staff - 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! Employees and pensioners over twenty-one years of age can apply for a loan under a similar scheme.
However, the user must be at least sixty-five years old at the time of loan repayment.
The work experience 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, provide the necessary 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. Federal Law No. 152-FZ of July 27, 2006 “On Personal Data” is not violated.
This financial institution is in great demand among the population. This is due to the reliability of the organization, a loyal attitude towards customers and a large selection of products offered. 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 option that is more suitable for him.
Ways to check your debt balance
All major financial institutions offer modern customer service methods. Just a few years ago, checking your loan balance required visiting a bank branch or looking 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;
- Register in the company's Internet banking. The system is called OTP Direct. Allows you to carry out remote operations, check your loan balance and monitor open accounts. You can activate this service when you receive 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]. In the letter you will need to write personal information - full name, passport details, contract number;
- Use the popular messenger Skype. You will need to find otpbank_russia in your contacts and send a request;
- Visit the organization's office. You must take your passport and plastic card with you (if the loan is issued on a card and not issued in cash).
Each method has advantages and disadvantages. For example, it will be difficult for older people to master the Internet banking system, while younger clients do not have the desire to visit the bank office again.
In addition, you can check your loan balance at OTP Bank using an SMS message. This option is also quite convenient and popular. Unlike a telephone call, you do not need to remember a combination of numbers to obtain the necessary information.
The most popular method is Internet banking. Using the online service, the client only needs to log in to the system and find out all the information in a few minutes. However, some of the options should be considered in more detail.
How to find out the loan amount by phone
In this case, there are two ways: SMS message and calls to the client center. Each of them should be considered.
By sending SMS
To obtain information regarding the status of your credit balance using a regular SMS, you must do the following:
- Type credit (must be in Latin);
- Send it to number 5927.
You can get acquainted with all possible operations using this method by typing the help command and sending it to the same number. Money from the mobile phone account will be debited in accordance with the tariff of the operator used by the client.
Call the OTP Bank support service
With a telephone call the situation is somewhat more complicated. There are two methods, which differ according to the type of loan (consumer/card):
- If the client has taken out a consumer loan, then you will need to dial the number 8 800 200 70 05, then click on two, enter the loan agreement number, click on the asterisk and add a telecode (it is issued personally). This combination (telecode) consists of three digits and is issued to the client during the execution of the agreement. In the event that a citizen forgot 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;
- You can find out the loan balance at OTP Bank for plastic carrier holders in the same way, however, instead of the agreement number, you must enter the plastic card number.
Find out the balance by contract number
The implementation of this operation can be performed using several methods. Their list looks like this:
- Internet banking;
- Call the unified client center (the number is written above);
- Visiting a bank branch;
- Request on the official website of the organization.
However, in addition to the credit agreement number, additional data may be required (full name, information from your passport).
Express certificate on the bank's website
This procedure allows you to obtain a detailed statement regarding the balance of funds, transactions 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 Control funds section and go there;
- Fill out a small form, which consists of the contract number, telecode and one-time code, which is sent as an SMS message to the phone number specified by the client;
- Confirm the operation.
After some time, the client will be provided with a detailed transaction history 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 number 8 800 200 70 05;
- Number 2;
- Agreement (card) number;
- Asterisk;
- Write old code;
- Press 4;
- Enter a new telecode, which should consist of three digits.
Conclusion
There are no specific recommendations regarding which option is best to use. Each method allows you to find out the loan balance 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 clients prefer to use them.
Clients will be able to find out the decision on a loan from OTP Bank within 15 minutes after submitting an online loan application. The bank reports the final answer within 24 hours after receiving the questionnaire. For trade loans, the average processing time takes 30-60 minutes, no more. The deadline for reviewing a consumer loan application is 3 business days from the date of application. If OTP Bank did not inform about the decision after the expiration of the specified period, we can conclude that a negative decision was made on the application. Before contacting another credit institution, the client must make sure that OTP Bank has reviewed the application and decided to refuse to issue money.
How long does it take for OTP to respond to a loan?
Don’t know how long to wait for loan approval at OTP Bank? Typically, the organization reviews the questionnaire within the first 24 hours after receiving it. A preliminary loan application is reviewed within 15 minutes after its receipt.
The bank accepts the final response within a maximum of 3 days. If the creditor does not make a decision within 3 business days after receiving it, it will significantly violate its own standards.
For trade loans, the bank is ready to announce a decision as quickly as possible. Here the client will receive a final answer within 5-30 minutes after submitting the application at the office of the partner store.
How can I find out the loan decision?
OTP Bank notifies borrowers of the preliminary decision in 2 ways: during a telephone conversation, via SMS message. The first option is usually used in case of a positive verdict from the bank. If the answer is negative, OTP always sends an SMS with a refusal.
The client usually receives the final response on the OTP Bank loan in the form of an SMS notification or a call. If you don’t know how to find out OTP Bank’s decision on a loan, you can use one of the methods below:
- Call the toll-free contact center number: 8800-100-55-55 or 0707 and ask the operator a corresponding question. In the auto-informer menu, the client needs to select the number “0” to connect with an employee. During the telephone conversation, the borrower must introduce himself and provide his passport details. After identification, the operator will indicate the status of consideration of the application.
- Come to the office of a credit institution and ask any bank employee to check the status of the application. You need to have your passport with you.
- You can find out the decision on your loan application at OTP Bank via Skype. The client needs to add “otpbank_russia” to his contacts and make a call. After identification, the operator will report the review status.
- The client can send a corresponding request to the bank’s email: [email protected], or through the feedback form on the website.
The fastest and most convenient option to find out the decision on a loan at OTP Bank is to call the hotline or via Skype. This procedure will not take the client more than 5 minutes.
According to the terms of lending, OTP Bank has every right to refuse a loan to a borrower without giving reasons. The same right for the creditor is secured by law.
Banks are simply afraid for their “safety”. In their opinion, borrowers who were denied a loan and told the reason for this can carefully analyze the reasons for the refusal and next time circumvent certain requirements of the lender by “embellishing” information about themselves. OTP Bank and other organizations are afraid of an increase in fraud in consumer loans.
Does OTP Bank really notify clients about the decision or does it forget about them?
The credit institution always informs about the decision made by phone or via SMS notification. Most often, this does not happen after “15 minutes,” as indicated on the lender’s official website, but after 12-24 hours, but the lender still notifies the borrower.
What to do if OTP refuses a loan?
If the lender makes a negative decision, the borrower can take the opportunity and contact another organization. Despite the fact that OTP Bank can be classified as a loyal lender, it is not ready to provide loans to borrowers with a low credit rating, high debt load, with a criminal record, etc.
The most common reason why OTP Bank refuses to provide a loan is too much debt. When assessing solvency, the bank calculates the client’s monthly income and expenses. If the borrower’s expenses for repaying all loans exceed 30-40% of his income, then he will definitely be denied a new loan.
The financial situation of the borrower is not the only factor when issuing a loan. Marital status, credit history, whether the client is on the bank’s blacklist, and length of service in the current position also influence. All these factors are analyzed together and a scoring score is determined. If it is low, then the loan application will be rejected. You can determine the scoring yourself using a special tool - a scoring calculator
See also: Online credit scoring. Scoring calculation.
The right decision in this case would be to repay at least one of the loans in full, or apply for a loan under the refinancing program. In this case, the borrower will be able to reduce the financial burden and receive additional money. Such loans are provided by many credit organizations: Tinkoff, VTB-24, VTB Bank of Moscow, Alfa-Bank, MKB, Vostochny Bank and others.
Application for a loan at Sovcombank
Cash loan from Tinkoff Bank
Application for a loan at Rosbank
Application for a cash loan at RenCredit
After what period can I re-apply?
The client will be able to contact OTP Bank to re-apply for a loan after 1 month from the date of announcement of the verdict on the previous application. The bank states that if a client wants to apply for another loan product, or significantly change the amount/term of the current one, then a new application can be submitted the very next day after a negative decision is made, without waiting for the expiration of the month.
The bank will refuse again if no significant changes have occurred in the borrower’s financial life - salary or debt load has not changed.
The bank can make a positive decision if the client has been promoted up the career ladder, or simply increased his salary, if the borrower has purchased real estate or a car, significantly improved his credit history by repaying another loan, reduced the financial burden, etc.
OTP Bank offers a wide range of services, including lending services. You can find out the debt balance in six ways: through a mobile application, SMS banking, online banking, using a mobile application for borrowers or at a branch of a banking organization.
The OTPdirect personal account is a functional and round-the-clock service that allows you to view the status of your account or loan, as well as pay for housing and communal services, etc. At https://direkt.otpbank.ru you must enter your login and password, which are issued when signing the loan agreement. The service is provided free of charge.
Find out the balance of debt through the OTPdirect application
A bank client can download the OTPdirect mobile application to a tablet or phone for free. The program is a service similar to online banking. You must use the same login and password as for online banking.
We use SMS banking
If there is no Internet connection, you can use SMS banking. The service allows you to obtain all the necessary information. The borrower should simply send an SMS message to the short number 5927. The message must contain the text: CREDIT or CREDIT.
If there is a need to gain full access to the SMS banking service, then you need to send the text “HELP” to the short number.
Checking debt in the OTPcredit application
The following options will be available to the borrower:
- Familiarization with the exact amount of the loan and the number of days remaining until the date of the next payment.
- You can find out the borrower's account details and other information necessary to repay the debt.
- View a detailed map showing terminals and points where you can make payments.
- Track payments under your loan agreement using a detailed schedule.
- Setting up notifications about the need to make the next payment.
- You can view information about the terms of enrollment and the amount of commissions.
- Repaying debt from a mobile device account.
