Experiencing financial difficulties, citizens are trying to find a way to get rid of them as quickly as possible and with the least loss. Some turn to friends and relatives for help, others become clients of microfinance organizations and receive a cash loan at a high interest rate.
One of the most common ways to borrow money is to take out a bank loan.
Therefore, the question of what documents may be needed to apply for a loan at OTP Bank becomes relevant.
OTP Bank, like other banking institutions, imposes a number of requirements on potential borrowers. Among them are the following:
- presence of Russian citizenship;
- availability of permanent registration in the region where there is a branch of OTP Bank and actual residence in the region where the loan is issued;
- the borrower has reached 21 years of age, but the maximum age at the time of conclusion of the contract is 68 years;
- permanent place of work/receipt of pension.
For citizens engaged in entrepreneurial activities, including notaries and lawyers, slightly different conditions are established regarding age (from 25 years) and work experience (at least 12 months).
By meeting all of the above requirements, the client can count on 100% success in obtaining a loan. In addition, if at the time of application he had a positive credit history or provided one or more guarantors or liquid property as collateral, this greatly increases the chances of success.
Required documents
To obtain a loan, the borrower is required to collect a package of documents and submit it to a bank employee for review.
Full package
The standard set of papers required to apply for a loan of up to 200 thousand rubles is as follows:
- statement;
- general passport;
- original TIN;
- for working citizens TIN of a legal entity;
- for pensioners, a certificate from the Pension Fund.
If the borrower intends to receive from 200 to 400 thousand rubles, then he will additionally have to provide a copy of his work record book, certified by the signature and seal of the head of the company. For a loan the amount of which exceeds 400 thousand rubles, you will need a certificate of income for the last 6 months in form 2-NDFL.
Minimum package
Interestingly, OTP Bank provides its clients with the opportunity to receive an express loan. To do this, it is enough to provide a Russian passport and one of the documents: international passport, driver’s license, pension insurance certificate, military ID or Taxpayer Identification Number.
Express loans are available only to working citizens. People who have officially retired will not be able to take advantage of this program.
Documentation for payroll clients
Having asked the question what documents are needed to apply for a loan at OTP Bank for citizens who are already its clients and have a bank card to which a salary or pension is received, the answer is as follows: just contact the bank branch to receive a bank account statement and submit corresponding statement.
Good afternoon.
A couple of hours later I received a call in which the robot told me that my OTP Bank card had been successfully activated! I tried to contact the bank, but to no avail. Some time later I received a message that my loan from TOUCH BANK had been fully repaid. That is, the bank or employee activated the card without my knowledge and refinancing occurred!!! The next day, I finally called the OTP Bank customer support number, blocked the card, and the employee advised me to write a request regarding my situation in the feedback form on the website. I left a message. I received an SMS stating that the deadline for consideration of my appeal is until September 6, 2018. And 09/06/18 - an SMS stating that my application requires more time...
On September 13, 2018, I went to the OTP Bank branch at Leningradskoye Shosse, 16 and asked for information about the status of my account, if any (I had not previously had any interactions with this bank). And please, the document that the specialist gave me says that I am a client of OTP Bank and I have a credit card with a certain amount of debt. And the account was opened on August 22, 2018. Next, I asked a Bank specialist if I could get a copy of the agreement on the basis of which the credit card was issued. He replied that of course, for this I need to go to the claims department. The claims department refused me after they heard that I had not seen or signed the contract, citing the fact that I needed to wait for a response to my appeal. Nobody knows how long to wait. I asked the claims department specialist whether I needed to make payments using a card that I had not received; she threw up her hands in response and suggested that we still wait for a response to the appeal. Case number 18079773.
I really hope that OTP Bank specialists will read my review and be able to offer solutions to this situation. Otherwise, I will be forced to apply for protection of my rights to Rosporebnadzor, the Prosecutor's Office, the Central Bank, and also to make the case public and disseminate this information in all available print media and television and radio channels.
A cash loan is the most popular banking product, since fairly large amounts are provided on optimal terms. A feature of all loans is the presence of an interest rate that the financial institution charges for the use of funds. Since the loan is not interest-free, and the bank benefits from it, the consumer is forced to choose lenders who have the most favorable rates.
OTP-Bank has different requirements for individual borrowers and borrowers who have the status of individual entrepreneurs. Consumer credit today is one of the most popular products of banking organizations. This is very convenient for bank clients, since they have the opportunity to timely purchase any goods and services on favorable terms, without waiting to receive wages or other cash receipts. Over time, credit organizations soften their requirements and constantly improve the conditions for providing consumer loans, thereby trying to attract more customers.
Terms of consumer credit at OTP-Bank
In cases where there is an urgent need for a certain amount of money, you can apply for a loan from OPT-Bank on favorable terms. The application is completed literally within 20 minutes via the Internet, after which the client can immediately receive a response from the bank. The loan amount can be from 15,000 rubles, and the period for which the loan agreement is drawn up is valid from one month to five years.
The main office of OTP-Bank is located in Moscow, and its branches are in almost every city of the Russian Federation. The number of employees of this bank is almost 30,000 people.
Interest rates at OTP-Bank
Interest rates directly depend on the period for which a consumer loan is issued at OTP-Bank. The maximum interest rate is 26%. This financial institution has a wide variety of programs under which you can take out a loan, and interest rates here range from 11-22%.
The client receives funds for the loan in cash or as a credit to a bank card. In this case, it is necessary to adhere to the following conditions:
- Trustworthiness.
- Debt load at a specific point in time.
- Credit history.
- Financial condition.
OTP-Bank clients do not have to worry that any fraudulent actions may be carried out against them. There are no commissions or numerous fees for bank clients, and the application is carried out in a transparent, open and secure manner.
Let's figure out who is suitable for lending from OTP-Bank.
Conditions for obtaining loans
Loan terms largely depend on the volume of the loan. Each application here is considered individually, which depends on the list of documents provided by the client to the bank. Absolutely every adult citizen can apply for a quick loan online. A bank specialist carefully studies all the client’s questions and needs, as well as the facts of his solvency. How profitable is a loan from OTP-Bank? You can calculate a loan for 3 years or 5 years on the official website of the organization.
List of documents for obtaining a loan at OTP-Bank
A client wishing to obtain a loan from this banking organization must provide the following list of documents:
- A passport that confirms that the citizen has reached the age of 21, as well as the fact that he is not yet 65 years old (age categories of people eligible to receive a loan).
- A document confirming registration at the place of residence.
- Certificate from the place of work where the citizen must be officially registered.
Processing of consumer loans at OTP-Bank takes place within three working days (from the date the client submits the application).
Application
For those who wish to apply for a loan via the Internet (in the form of an electronic application), a special calculator is integrated on a certain page of the banking website, with which the client can find out about all payments and overpayments for a specific period of time, as well as the amount of monthly payments corresponding to a given lending program . Applying for a loan at OTP-Bank is very simple.
With this design, it will be enough to simply fill out a special form, and then receive a response from the credit institution, which usually arrives within one or two business days after submission.
OTP-Bank has a special hotline number that you can call at any time of the day and get free advice on any lending issues.
Cash loan
In this bank it is possible to get a loan not only on a credit or debit card, but also in the form of cash.
The list of documents required to apply for a cash loan is no different from that required when filling out an online application. You can receive funds at any nearest branch.
Consumer loans for the population at OTP-Bank are now very popular.
Cash loan upon presentation of your passport
This bank has several different lending programs, which include different conditions for clients, and everyone can choose the best option for receiving a loan.
A small amount of financial resources can be obtained using a special program called “Optimal Loan”. To obtain such a consumer loan, it will be enough to present a passport. The bank, according to this program, can provide the client with an amount of up to 150,000 rubles for a period of six months. The borrower can enter into such an agreement for a period of three months, in which case the interest rates on the loan will be significantly reduced.
OTP Bank is a Russian banking institution. Members of the International Financial Group “OTP Group”, which is a key player in the financial services market in Eastern and Central Europe. The bank also positions itself as a multi-profile credit institution, which provides various banking services and products to individuals and legal entities. In 2017, the assets of OTP Bank Russia amounted to 119.4 billion rubles.
OTP Bank's international experience dates back to 1949, after its founding in Hungary as a state savings bank. At the end of 1990, the bank was reorganized, and a public limited liability company, National Savings and Commercial Bank, was created. Today, OTP subsidiaries operate in nine European countries.
Joint stock association "OTP Bank" has been operating in Russia since 1994. The activities of the financial institution are coordinated with the Central Bank of the Russian Federation. The main direction of the bank’s work is commercial and retail banking operations:
- Acceptance of deposits;
- Providing loans to private and corporate clients;
- Providing guarantees;
- Providing services when clients carry out import and export operations;
- Cash transactions;
- Transactions with securities;
- Transactions with foreign currency;
- Use of derivative financial instruments;
- Raising and placing funds on the interbank market.
According to key indicators, the bank is on the list of the 50 largest banks in the Russian Federation. Branch network – these are more than 3,700 representative offices, credit and cash service branches, and additional branches. OTP Bank issues and accepts bank cards from the largest payment systems: Master Card, VISA, JCB Int., DENERS CLUB, Zolotaya Korona.
Brief background information – OTP Bank
Main office: Russian Federation, Moscow, Leningradskoe shosse, building 16A, building 1, 125171.
Hotline, phone number:
- 8 800 100 5555 (consulting on bank services and products, deposits and loans);
- 0707 (free phone number from a mobile device for all questions);
- 8 800 200 7005 (for consumer loans in retail chains);
- 8 800 200 7001 (for questions regarding the issue and closure of credit cards);
- 8 800 200 7009, +7 495 775 3353 (answers to questions about services for small businesses, only for residents of Moscow and the Moscow region).
Official web page on the Internet: https://www.otpbank.ru/
Name of the Chairman of the Board of Directors: Zoltan Major.
The president: Chizhevsky Ilya Petrovich.
Financial services at OTP Bank
OTP Bank has been providing service for legal entities and individuals . These services include: issuing loans to individuals and small businesses, issuing loans to retail chains, opening deposits, opening accounts, making money transfers, renting out safes, conducting transactions with plastic media, and a remote banking system. The banking institution participates in the unconditional deposit insurance program. Its voluminous assets made it possible to classify it as Group I. Services are provided to clients only through the internal network. OTP Bank's client base includes over 4 million citizens of the Russian Federation.
Internet banking for individuals from OTP Bank
The Internet banking system for servicing individuals from OTP Bank is called "OTP Direct". All banking services are provided here remotely, without visiting a company branch. It is enough to be the owner of a plastic card, or have an open account. Pre-registration in the online system via the website is recommended. To authorize in the service, a login and password are required.
OTP Direct, video:
OTP Internet banking capabilities:
- Obtaining static information about your cards, accounts, loans and deposits.
- Obtaining information on the movement of finances.
- Make transfers and payments online in a couple of clicks.
- Replenishment of electronic wallets: Elexnet, Yandex.Money, QIWI, Rapida Online, etc.
- Creating templates.
- Setting up regular payments.
- Connection to the OTP Direct mobile bank.
- Setting up the “Telegram bot” option.
- Setting up security in your personal account.
- Contact a bank consultant via chat.
Internet banking for legal entities from OTP Bank
The virtual banking service center for individual entrepreneurs and legal entities is called "IBank". Login to the system is carried out from the official web portal of the bank by clicking the “Internet banking for legal entities” button. Unlike standard login and password authorization, entrepreneurs can connect to the system only through the received driver for iBank2Key USB tokens, Rutoken, or the crypto library for the MAC token. For offline work in the system, it is recommended to install the PC-Banking program; a link to it is posted on the official OTP Bank web portal.
The following are implemented in the personal account action panel: actions:
- Asset and account management;
- Work with salary projects;
- Conducting transactions with currency;
- Settlement services;
- Creation of new documents;
- Editing documents;
- Copying a new document based on an existing one;
- Signature of the document;
- Working with incoming letters;
- Printing of documents;
- Creation of document templates;
- Export files;
- Import of documents;
- Update displayed information;
- Obtaining correspondent accounts, etc.
OTP Bank Customer Service
The OTP Bank contact center is open daily , and provides customer support on all issues of interest. Professional specialists of the institution are ready to answer them both in stationary and remote mode. Visit the nearest bank branch with a passport of a Russian citizen, and a professional will help you solve your current problem within a few minutes. To communicate remotely with an operator, you will need an Internet connection from a personal device and a visit to the official OTP Bank website.
Internet support service
For remote correspondence with the company, you can use online communication services with a bank specialist. The first method is to follow the link: https://www.otpbank.ru/retail/contacts/, and select the tab in the open dialog box "Contact the bank". The following is the contact information of the person writing the appeal:
OTP bank information, video:
To start using an OTP Bank card, you must first activate it. To do this, you should call the bank at 8800 200 7001 or contact an employee on Skype otpbank_russia and inform them of your intention to activate your BOD. After you answer the specialist’s clarifying questions, the card will be available for use in the near future.
Credit card holders can activate BOD through an interactive voice response (IVR) service. To do this, you will need to call the number 8800 200 7001 and dial “4” in tone mode.
2. Checking the card balance
You can find out your account balance in any way:
- By phone (without connecting to an operator)
Using interactive telephone service (IVR). You will need to call 8800 200 7001 and dial “2 card number * telecode” in tone mode.
- Via SMS
You can find out your available balance at any time by sending an SMS with the word bal to 5927 from your mobile phone.
- Using Express Checkout
To receive an express certificate for a card, you need to enter the BOC number and telecode on the bank page.
- Via OTPdirect online banking
By logging into your Personal Account of the OTPdirect remote access system, on the main page you can see all the basic information about your available cards, loans, and accounts. You can read the Instructions for working with the OTPdirect Internet service on the website.
- At the support service
You should contact the OTP Bank operator at 495 775 7506 or 8800 200 7001.
- At an ATM
- At a bank branch
3. Top up your credit card
OTP Bank offers its clients a variety of ways to repay debt:
- Via self-service terminal
In the device menu, you must select “Payment of loans” / “Personal account” - “Login by card number”. In the window, enter the credit card number and telecode, then select the required BPC and payment type. After this, deposit cash in banknotes. Funds will be credited on the same day.
- At Svyaznoy centers
You can pay off your debt in the center of the Svyaznoy network. Enrollment - during the working day. Commission - 1% (minimum 50 rubles). To carry out the operation, you need to know the card account number and have your passport with you.
- Through QIWI, Eleksnet, Primorye Bank terminals
On the screen, find “Loan repayment”, select OTP Bank, indicate the recipient’s details, account or card number, and the required amount. Insert cash into the bill acceptor and confirm the transaction. Receive a check.
- Using the “Golden Crown” service
You can top up your account in MTS salons through the Zolotaya Korona service. Enrollment - 2 working days. Commission - 1% (minimum 50 rubles). You will find all the payment details.
- Through the “Pay on the way” service
You can repay the debt in terminal networks (Telepay, Sprintnet, RosExpress, Quickpay, Pinpay express and RosExpress), household appliances/electronics stores and cash desks of communication stores (Euroset, Tekhnosila, Svyaznoy, MVideo, Alt Telecom, Eldorado, Domo). Commission - 1% (minimum 50 rubles). Enrollment is the next business day. Don't forget to take your passport and account number.
- By postal transfer
You can make a transfer at one of the Russian Post branches by filling out the appropriate form. Commission - 1.5% (minimum 40 rubles), term - 3-5 days.
- Through Contact and Cyberplat payment systems
Contact commission - 1% (minimum 50 rubles). Cyberplat commission - 1.5% (minimum 50 rubles). Enrollment is the next business day. You will need your account number and passport.
- At OTP Bank ATMs
You can repay a loan using Visa/MasterCard cards quickly and without commission at ATMs (at bank branches) with the cash-in function. You can find the nearest ATM on the OTP Bank website.
- Through ATMs of partner banks
In this way, you can pay off debt on an OTP Bank Visa credit card from a Visa card of any bank. The commission and terms will depend on the partner bank. To carry out the operation, you need to insert the card into the device, dial the PIN code, select the appropriate option in the menu, indicate the recipient’s card number and the required amount, and then confirm your actions.
- Via online payment system
You can transfer funds to pay off debt using the services of electronic payment systems Yandex.Money and MoneyMail. Yandex.Money commission - 3% + 15 rubles. MoneyMail commission - 2% (minimum 20 rubles). The enrollment period in the first case is up to 7 days, in the second - 1 day.
First you need to register (if you are not already a user) on the PS website. You will have an electronic wallet, which can be topped up using any method specified on the website. In the “Loan repayment” subsection, find OTP Bank, enter the details of the sender and recipient, enter the account number, amount, select a branch and confirm the payment.
- By transfer from another bank
4. Increasing your credit limit
To find out about the possibility of increasing the maximum amount of available credit funds on the card, you need to contact the bank 24/7 at 8800 200 7001 or via Skype otpbank_russia.
5. How to block a card
If you discover that the card is lost/stolen, you must notify the bank immediately by calling 8800 200 7001. A bank employee will immediately block the card, after which it will be reissued.
In addition, to block BOD, credit card holders can use the interactive telephone service (IVR). To do this, you need to call 8800 200 7001 and press “1” in tone mode.
6. How to close a card
The loan agreement can be terminated unilaterally by the client at any time, provided that the card is returned to the bank and all obligations under the agreement are fulfilled, incl. repayment of the loan, payment of accrued interest, fees and commissions, penalties and other payments. Returning the card is not mandatory if it is lost.
The client notifies the bank of his desire to terminate the contract by submitting a written statement in the prescribed form. An application for termination of the agreement must be submitted to the bank at least 40 calendar days before the expected date of termination of the agreement. From the date of acceptance of the application for termination of the agreement, the bank blocks all cards issued under the agreement.
Upon termination of the contract, if there is a balance of the client’s own funds in the account, the bank transfers the balance of funds, minus the transfer commission, according to the details specified by the client, or issues them from the cash desk in the manner prescribed by the legislation of the Russian Federation.
