OTP Bank card for Touch Bank clients: is it worth migrating? Profit card of otp bank Order debit card of otp bank online

Updated 10/22/2018.

Hungarian OTP Group For three years I tried to promote a remote banking project under the Touch Bank brand, but Tachka was never able to turn a profit. As a result, it was decided to close this line of business, although during this time it was possible to attract more than 200,000 clients:

If the minimum balance for a calendar month does not fall below 10,000 rubles, then 6.5% per annum is due on the balance from 10,000 to 600,000 rubles; if it falls, then only 0.1%:

Since the calendar month is taken into account when determining the percentage, it is unrealistic to get 6.5% on the balance in the month you received the card, because at the beginning of the month you simply could not maintain a balance of 10,000 rubles, because you did not yet have a card.

The Clear Card does not have interest on the balance; as an alternative, you can use a savings account, as of 08/11/2018 for a balance from 5,000.01 to 100,000 rubles. 5% per annum is charged, on the balance from 100,000.01 - 5.5% per annum:

UPD: 08/31/2018
On August 31, OTP Bank paid interest on the card balance for former clients Touch Bank, and now we can say with confidence that if the card account had at least 10,000 rubles all month. and higher, then interest is accrued on the daily balance, and not on the minimum for the month:

Former Touch Bank clients can open a special savings account at the OTP branch at the “Welcome” tariff, which accrues 6% per annum on the balance of 5000.01:

4 Free C2C replenishment.

“OTP” allows you to top up many of your cards from cards of other banks through a service on the website without commission (“Understood” and “All at once” among them). The limit for one transfer is 140,000 rubles, monthly - 300,000 rubles:

Some clients received cards with tariffs that were not initially expected, but then they had this opportunity:

It is important that when making a C2C top-up, the money is not immediately credited to the account; the operation remains on hold, i.e. Interest will not accrue on the balance for this amount at this time. You can make purchases immediately; OTP Bank has no fine for technical overhaul.

In addition to C2C, OTP Bank cards can be topped up at their own ATMs. But for some reason there is a commission for replenishing the card in OTP terminals:

There is no commission for incoming interbank (it is better to send interbank from).

5 Withdrawing cash from other people's ATMs without commission.

With a debit card credit limit(“All at once” tariff) it is possible to withdraw 45,000 rubles/day from third-party ATMs without commission. In the tariffs, however, this opportunity is described rather crookedly; it simply states that 45,000 rubles. — this is the withdrawal limit per day, and the commission is not specified at all.

In practice, it has been verified that from OTP cards issued to Touch Bank clients, you can withdraw cash from other people’s ATMs without commission.

The Clear Card has a higher cash withdrawal limit - RUB 300,000. Cash withdrawal from account borrowed money- this is a non-preferential operation; interest will immediately begin to accrue on it.

6 Free donor.

Important: if there is overdue debt, cashback is not paid.

9 Google support Pay.

Recently, Gpay technology has become available to OTP Bank clients, but Apple Pay and Samsung Pay is not yet available.

OTP Bank card for Touch Bank clients. Flaws

1 It takes a long time to deliver the card.

The delivery of the OTP Bank card cannot be called prompt; when filling out an application, Marinka promises that the card will be delivered within 2 weeks, in practice this period can take a month or even more.

2 Not a remote bank.

It’s surprising that Touch Bank was a product of OTP Bank, no hint of quality remote maintenance not here. Most issues are resolved only through the department.

It would be logical to simply transfer the code word from the Touch Bank card, but no, to set the code word for new OTP cards, you will still have to come to the bank “for security reasons”:

Without a code word it will not be possible to carry out most operations on hotline, and without it you cannot enable the ability to make payments and transfers via Internet banking. The option of opening deposits via Internet banking is also available only at the branch.

Unlike “Cars”, you won’t be able to close your OTP Bank card remotely:

Appearance and functionality of a mobile application and online banking from the last century:

3 Compulsory consent to additional services.

When issuing a card, the courier gives a very voluminous document for signature, in which checkboxes are placed indicating consent to connect SMS information (paid when using a credit limit), to transfer your personal data to many offices, to spam, to receive bank cards by mail, as well as to close an existing Touch Bank card with a zero balance:

Moreover, the courier simply will not issue the card if you cross out the consent box at some point:

4 There is no free interbank banking.

Unlike Touch Bank, OTP Bank does not have . Transfer to another credit institution via Internet banking it will cost 0.5%, minimum 30 rubles, maximum 300 rubles:

5 Paid statement by mail.

By default, it is set that the statement arrives by regular mail in paper form, if there is a debt this service paid, costs 59 rubles.

In order to receive an extract on email, you will need to give a code word on the hotline, which you need to go to the department for.

6 It is difficult to talk to a live operator on the hotline.

If you just call the hotline, you can waste a lot of time listening to the robot; a live Marinka connects to the conversation only with a non-obvious combination of buttons. Users have found that the fastest access to a living person is to select the “Change PIN code” option.

7 Limits cannot be set.

Cannot be installed in Internet Banking individual limits for various operations, for example, prohibiting cash withdrawals from an ATM or limiting the amount of purchases per day/month.

8 Use of the anti-money laundering law (115-FZ).

You can find reviews online from legal entities and individual entrepreneurs whose accounts OTP Bank blocks under formal pretexts, extorting an increased commission:

Conclusion

In general, OTP Bank came up with a very good offer (especially since card issue and servicing, as well as SMS notifications are free), but still not outstanding.

6.5% on the balance, and also with the condition of a minimum balance of 10,000 rubles. - by today's standards, not the best profitable proposition, for example, if you have 5 any purchases per month - 7.5% per annum, if you have at least 5 purchases per month total amount from 10,000 rub. also 7.5%.

3% cashback on your favorite category (one of which is “Supermarkets”) will be quite useful; the card is also suitable for large purchases in categories that are not covered by other cards. Let me remind you that when paying with a smartphone until December 31, 2018, you are entitled to a 12% cashback in partner stores and 3% in all others.

Availability free refill from cards of other banks, as well as the possibility of commission-free cash withdrawals from third-party ATMs make the card more universal.

In general, I received such a card, just in case, let it lie until the worst of times. True, if there were no bank branch in my city, I would have thought a hundred times before agreeing to it. After all, OTP is not a remote bank at all; it will not be possible to solve any problem remotely or simply close a card.

I hope my article was useful to you; write about any clarifications and additions in the comments.

Due to the blocking of Telegram, a channel mirror was created in TamTam (a messenger from Mail.ru Group with similar functionality): tt.me/hranidengi .

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A debit bank card is a convenient payment instrument that allows you to make a wide range of financial transactions. Its main advantage is that it replaces cash, which is not always convenient and safe to carry (for example, if you plan to make large purchase). In this article we will look at what types of debit cards are offered by OTP Bank - one of the leaders financial services not only in Russia, but also in Europe.

Types of debit cards

OTP Bank products are very popular among Russians. To your clients financial institution offers to design several types of plastic. We consider the current conditions and tariffs in the table below:

Features and Benefits

Plastic from OTP Bank has many advantages. Among them it is worth noting the following:

• it is international, therefore it allows you to carry out income and expense transactions abroad;
• You can deposit money into your account through a bank cash desk or by transfer from another account;
• in order to prevent fraud, bank employees constantly monitor transactions carried out using the card;
• the 3D-Secure service is connected to the plastic, which allows you to make secure payments on the Internet;
• currency conversion takes place in automatic mode at the most favorable rate;
• the bank guarantees its clients export Money abroad without delays and bureaucratic procedures;
• Bonuses are awarded for paying for goods and services with a card.

This payment instrument is really very convenient and will not let you down in any situation.

It is known that to issue debit card much easier than credit. This is due to the fact that the client does not need to prove to the bank his solvency and reliability. To apply for plastic, you need to visit the OTP branch and write a corresponding application. You only need to have one document with you - a passport Russian model. It takes on average 3 days to produce plastic, after which it can be picked up at the bank or ordered delivered to your home.

Registration online

Not every person can take the time to visit a bank. Therefore, OTP Bank provides its clients with the opportunity to order a payment instrument online on the official website. To do this, go to the “Debit and Credit Cards” section and select “Application for payment card" The client will be asked to select the type of card and fill out a form where he will need to indicate his full name and contact information.

After submitting the online application, a bank employee will call you back to clarify the information and answer all your questions. As in the first case, the plastic will be ready after 3 days.

OTP Bank has developed several types debit plastic: MasterCard Gold, MasterCard Unembossed, MasterCard Standard in foreign currency, MasterCard Standard in rubles and the Happy Time World card. They are all different favorable conditions and tariffs, some have a deposit and free service. Which product to choose depends on the purpose of use and individual wishes of each person.

OTP Bank has only 4 debit products (for travelers, GOLD, youth), but our attention was attracted by the Unembossed income card of the Mastercard payment system. Acceptable interest conditions on the account balance, no issue fee and annual maintenance made plastic a very convenient payment instrument in the hands of any owner.

Internet bank when receiving profitable plastic

Each owner of a debit card OTP cards The bank has Internet banking “OTP-Direct”, SMS banking, SMS service and a mobile application for modern smartphones.

Internet banking is absolutely free to use and there is no connection fee. To use the service, you need to visit a bank branch and conclude a remote agreement banking services. After this, the employee will issue a login to enter the system, and an SMS message with a temporary password will be sent to the phone number specified in the application for issue and maintenance of the card.

Having received all the passwords and logins, you can log into the OTPdirect online bank from the official website on the Internet. When you first log in, the system will prompt you to change your password, be sure to change it to a new one.

IN OTP internet bank you can perform more than 100 transactions (payment for housing and communal services, mobile connection, payments by credit obligations, transfers to accounts and cards of other banks and much more).

Owners of smartphones on IOS or Android can download the application " Mobile bank", which provides the same functions as standard Internet banking.

SMS Bank is another one convenient service for owners of any phones. To find out your card balance, get a list latest transactions, block the card, etc. All you need to do is send a short command as an SMS to number 5927. The cost of one message is determined by the tariffs mobile operator, additional fee not charged.

Moreover, you can activate SMS notifications to always stay up to date with the latest card transactions. The service will cost the owner 59 rubles monthly commission.

Transfer to an OTP Bank card - where can I find the details?

Most transfers can be made by knowing only the recipient's card number. You can see it on the front side of the plastic; it consists of 16 or 18 digits, respectively. If you need to find out the account number to which the card is linked, just send a short SMS message to number 5927 with the following content: REKV “space” 1234** (where ** is the last 4 digits of your card). You can also find out your account number in Internet banking, mobile application or by calling the customer hotline.
Information such as BIC, corr. account, bank TIN can be clarified on the official website in the “About the Bank” - “Details” section.

Bonuses and features

The main and only bonus debit card from OTP Bank is the calculation of interest on the account balance.

The interest rate is determined on the last calendar day of the month and is set depending on the minimum balance that was on the client’s account during the calendar month for which interest is paid (the minimum balance is determined at the beginning of each operating day).

Disadvantages of debiting from OTP

Profitable debit card of OTP Bank is a very interesting payment instrument that allows you to save money while you are away annual maintenance and issue fees, and also make good money on interest. However, in order to get the maximum benefit, you must always keep a fairly large fireproof amount on the card. For some it might be significant drawback. But in general, the card has no drawbacks, even the commission for transactions at third-party ATMs is small.

OTP Bank issues payment cards international payment MasterCard systems and Visa. Card holders have access to all privileges from MasterCard and Visa, depending on the product category.

For example, owners Visa Gold can take advantage of special offers and discounts of up to 75% in hotels around the world, 24-hour concierge service, medical and legal support abroad, emergency card replacement and funds issuance services. And also discounts in restaurants, cafes and shops.

Holders MasterCard cards OTP Bank can count on the services of the MasterCard Global Support Service, which will help to urgently reissue the card in case of loss or receive a cash advance.

The “MasterCard PRICELESS MOSCOW” program opens up wide opportunities for owners of premium cards. The program includes discounts and gifts when paying by card in stores, boutiques, hotels, invitations to private shows, sales and interesting cultural events.

Income card MasterCard

OTP Bank cards are issued in the Gold and Unembossed categories. Card issuance is free, annual Unembossed service is free, Gold cards – 1800 rubles, additional card – 1100 rubles. Fees are charged annually on the activation date. When re-issuing a card at the initiative of the bank, there is no fee for the first year.

There is no commission for cash withdrawals from ATMs and cash desks of OTP Bank; from ATMs and cash desks of third-party banks - 1% of the amount, but not less than 100 rubles. Interest is charged on the card balance. By Unembossed map for an amount over 100,000 rubles - 0.1% per annum, over 30,000 rubles and up to 100,000 rubles - 5%-7% per annum, from 10,000 to 30,000 rubles - 3%-5% per annum, up to 10,000 rubles ( inclusive) – 0.1% per annum.

To the Gold card: over 200,000 rubles – 0.1% per annum, from 100,000 to 200,000 rubles – 8%-10% per annum, from 30,000 to 100,000 rubles – 5%-7% per annum and up to 30,000 rubles ( inclusive) – 0.1% per annum. The daily withdrawal limit for the Unembossed card is 50,000 rubles per day, for the Gold card – 90,000 rubles. The monthly fee for SMS notification is 59 rubles.

Debit card for travelers

A MasterCard Standard card is issued in US dollars and euros, which allows you to save on currency conversion and not depend on exchange rate when paying for goods and services abroad. The card issuance is free, annual maintenance is 20 US dollars and 20 euros (charged annually on the card activation date).

The fee for blocking a card due to loss or theft is 10 dollars, 10 euros. There is no fee for withdrawing cash from ATMs and cash desks of OTP Bank; at ATMs and cash points of third-party banks - 1% of the amount, but not less than 3 US dollars or euros.

The cash withdrawal limit is 1000 US dollars or euros per day and 6500 dollars or euros per month. No interest is accrued on the account balance. For exceeding the payment limit on the card, 49% per annum is charged. Monthly payment for SMS service is 2 US dollars or euros.

Youth card

A card of the MasterCard Standard category is issued. To obtain a card, you must be a citizen of the Russian Federation between the ages of 18 and 25. The advantage of the card is that its issuance and maintenance are free. Service additional card– 450 rubles. Cash withdrawals from ATMs and cash desks of OTP Bank - no commission, from ATMs and cash points of other banks - 1% of the amount, but not less than 100 rubles.

The limit on cash withdrawals is 50,000 rubles per day and 200,000 rubles per month. For the remainder own funds The account does not accrue interest. Monthly payment for SMS notifications is 59 rubles.

Project “Deposit + card”

For clients opening time deposit in OTP Bank, they operate special conditions issuing a debit card in Russian rubles, dollars or euros. Issue and maintenance of the main and additional cards is free. There is no fee for blocking the main or additional card in case of loss or theft. There is no monthly fee for SMS service.

Cash withdrawals from ATMs and cash desks of OTP Bank - no commission, from ATMs and cash points of other banks - 1% of the amount, but not less than 100 rubles, 3 US dollars, 3 euros. The cash withdrawal limit is 3,500 euros, 5,000 dollars and 150,000 rubles per day.

The balance of own funds in the account is accrued: over 3,000 dollars or euros - 3% per annum, from 1,000 to 3,000 dollars or euros - 1.5% per annum, up to 1,000 dollars or euros - 0.5% per annum; from 100,000 rubles – 5% per annum, from 30,000 to 100,000 rubles – 3.5% per annum, up to 30,000 rubles – 1.5% per annum.

Premium cards

Map World Elite MasterСard

The Nilsen Club program provides access to a private club with thoughtful travel itineraries, a convenient booking system and a club travel office. Priority program Pass allows cardholders to use VIP lounges around the world, regardless of airline or ticket class.

In addition, the card includes personal concierge services, fraud insurance programs and a package for traveling abroad. When paying by card there are discounts and Special offers under the MasterCard Priceless Moscow and MasterCard Plus programs.

Platinum MasterCard and Visa Platinum cards

Emphasize the status of the owner and guarantee access to VIP rooms Priority airports Pass with a range of insurance services for those traveling abroad. There are special offers for cardholders under the programs “MasterCard Priceless Moscow”, “ Visa Premium" and "MasterCard Plus".

Card issuance is free, annual maintenance is 175 euros, 230 US dollars, 7,000 rubles. Additional card – 125 euros, 165 US dollars, 5000 rubles. There is no commission for withdrawing cash from ATMs and bank cash desks; at ATMs and cash points of third-party banks - 1%, but not less than 100 rubles, 3 dollars, 3 euros.

Interest is charged on the balance amount: over $3,000 and euros - 3% per annum, $1,000-3,000, euros - 1.5% per annum and up to $1,000, euros - 0.5% per annum. Over 100,000 rubles - 5% per annum, from 30,000 to 100,000 rubles - 3.5% per annum, up to 30,000 rubles - 1.5% per annum.

Reimbursement of the fee for a visit to the airport VIP lounge - 30 US dollars, fee for connecting the concierge service - 118 euros, 153 US dollars, 4250 rubles. There is no fee for SMS service.

Map Gold MasterCard and Visa Gold

For cardholders there are discounts and special offers “MasterCard Priceless Moscow”, “Visa Premium” and “MasterCard Plus”. There is no fee for issuing a card, service in the first year is free, from the second year - 45 euros, 60 US dollars and 1800 rubles. The fee for servicing an additional card is 25 euros, 30 dollars, 1000 rubles.

Commission for cash withdrawals from ATMs and cash points of third-party banks is 1% of the amount, but not less than 100 rubles, 3 dollars and euros. The interest rate on the balance is similar to Platinum cards. There is no commission for SMS notifications.

Advantages

OTP Bank does not have such a wide range of debit cards as Sberbank or Alfa-Bank, however, all bank payment cards have their advantages. Interest is accrued on the card balance, which allows you not only to manage money as needed, but also to accumulate funds.

The “For Travelers” card is opened in dollars and euros, making it easy to save on conversions and exchange rate fluctuations when paying for goods and services abroad.

Issuing a debit card at OTP Bank is free, and the cost of service is low (compared to most other banks). Issue and maintenance fee " Youth card» is missing, and when you sign up for the “Deposit plus card” package, preferential conditions for issuing a payment card apply.

The commission for cashing out funds is minimal, and is only 1% of the amount or 100 rubles, 3 dollars and 3 euros. You can withdraw funds from ATMs and cash desks of OTP Bank without commission.

In addition to standard cards, the bank offers premium payment cards that emphasize the client’s status and have additional features. For the balance of funds for premium cards interest is also charged.

The Russian branch of OTP Bank is a member of the OTP financial group (OTP Group), which is a leading player in the banking segment of Central and Eastern Europe. Banking institution on the territory of the Russian Federation provides a full range of banking and financial services, both for private (individual) clients and legal entities.
OTP Bank actively promotes such a profitable product as plastic cards, because today almost every person uses it.
We also recommend considering the possibility of obtaining a cash loan from OTP Bank. You can submit your application right here:

1. Belonging to the global payment system.
2. Credit limit.
3. Plastic card status.
4. Possibility of using a grace period.
5. Interest annual rate for the use of credit funds.
6. Composition of the package of documents required when applying for a card.
7. Bank requirements for a client wishing to purchase a card with a credit limit.
8. Daily and monthly limits on cash withdrawals.
9. Commission for cash withdrawal.

Distinctive features of OTP Bank credit cards.

1. The bank's product line of credit cards is narrow and is represented by only two types: classic and gold status.
2. All security of payment transactions using cards is ensured worldwide. payment system MasterCard.
3. SMS notifications are sent for card transactions, which helps control the debiting of funds from the card.
4. The choice of card currency is carried out at the request of the client and his needs (when submitting online applications In OTP bank you need to indicate the currency)
5. The credit maximum for a card product of any status is possible up to one and a half million rubles.
6. Loan funds can be used for up to 55 days without paying interest.
7. OTP Bank credit card works as virtual online wallet to make payments online.
8. Cash withdrawals are possible at millions of ATMs around the world.
9. There is no need to declare funds on cards when traveling abroad.

Documents required for registration OTP Bank credit card.
At OTP Bank, a client can apply for a loan in two ways:

• only by passport,
• upon provision of a complete list of documents (passport, second document of your choice (insurance pension certificate, INN, driver's license, income certificate)).

Requirements for a potential client wishing to apply for an OTP Bank credit card:

• citizenship of the Russian Federation,
• permanent registration in the region where the bank branch is present,
• age from 21 to 55 years for women and 60 years for men, entrepreneurs from 25 years old,
• receiving official income for at least three months and a permanent place of work,
• positive credit history.

Types of credit plastic cards at OTP Bank and their conditions.

MasterCard Standard rubles classic 1,500,000 29.9 (for one document), 24 (for a full package of documents) 600 rub. 55 daysMasterCard Gold rubles premium 1,500,000 29.9 (for one document), 24 (for a full package of documents) 1,800 rubles. 55 daysMasterCard Gold for businessmen rubles premium 1,500,000 29.9 (providing financial statements is not required) 1,800 rub. 55 days

Possibility of applying for a credit card using only one document.

This opportunity to receive a credit card using one document is provided at OTP Bank.
Open credit product and you can only use it by presenting your passport. With this type of registration, the credit limit is also possible up to 1,500,000 rubles, and the annual rate will be from 29.9%.
In this case, to determine which is more profitable, We recommend that you familiarize yourself with the conditions of other banks:

Tinkoff credit card

Alfabank credit card with 100 day grace period

Application for a Kviku credit card

Registration and receipt of plastic for people engaged in business.

It is often difficult for a businessman (entrepreneur) to get a loan bank card for themselves, since financial institutions put forward quite stringent requirements for such a borrower and for the list of documents and reports provided. At OTP Bank, to issue a card with a credit limit for business representatives, you do not need to provide financial statements or guarantors.

Features of the grace period for OTP Bank credit cards.

The interest-free period for OTP Bank credit cards is valid only for non-cash payment goods or services. Grace period renewable and begins to be valid from the date of card activation, regardless of whether the client used preferential terms V previous month or not.