From salary card otp to qiwi transfer. Transfers from card to card in otp bank

Representatives financial organizations created a multi-level payment system that would be most convenient for users plastic cards. On this moment You can make a huge number of different transactions from the card, including transferring funds to another account. Such transfers can be made, among other things, to a card of another bank. Let's see what methods of transferring funds are available to OTP clients.

On the official site

First you need to go to the translations page.

Scroll down a little and you can see the full form.

You need to enter the details of your card and the recipient's card, and then confirm the debiting of funds and depositing them into another account. Below is a list of tariffs, transfers involving which will not be charged additionally:

The screen doesn't fit full list tariffs, so be sure to scroll to the end of the list for complete information. For transactions involving accounts on other terms, a commission of 40 rubles is charged.

With the participation of Internet banking

Representatives of OTP have developed the online system “OTPDirect”. If you prefer this method, use the following instructions:

1. Authorization in your personal account.
2. “Transfer to OTP bank client” =› “By card number.”
3. Filling out the form, entering details.
4. Confirmation of the operation via the received SMS code.

When choosing a lender, the borrower is primarily interested in how to save on interest payments. But no less important is how convenient it is to pay bills to the bank. About how to pay OTP loan bank without commission using the most in various ways enrollment will be discussed later in the article.

OTP Bank allows its clients to pay off loan debt without additional fees. This allows you to minimize your expenses and pay the net interest charged by the bank for the loan.

So, where can you pay for a loan without commission? The first way to repay your loan without additional interest- do Postal transfer through the UNISTREAM service. This company allows you to transfer money to pay off credit card or consumer loan debt, and the funds are credited as early as the next calendar day.

You can also transfer funds through Russian Post. Using this postal service, a bank client can make a payment on account consumer loan, as well as top up your bank card balance.

You can also avoid unnecessary expenses if you make bank transfers. In particular, this applies to money transfers from your own account at OTP Bank. The transfer can be made both using self-service devices (terminals, ATMs) and using Internet banking. Terminals and ATMs also allow you to deposit cash towards your debt.

Some organizations allow you to pay the loan without additional interest, making deductions through accounting directly from wages employee. However, this does not apply to all places of work, and the conditions must be clarified in accounting department. To make such deductions, you need to write an application indicating the bank details.

If none of the listed options suits the client, or a situation arises in which he does not have access to transferred funds debt repayment – ​​where to pay for a loan with minimal interest?

There are several affiliate programs, which allow OTP Bank users to deposit money to repay a loan from minimum size additional expenses. We list the main ones:

• Service " Gold Crown─ includes the offices of Euroset, Beeline, MTS, Know-How, Kari, Agent.ru. The minimum fee for mediation in the Agent.ru offices is 10 rubles, Kari – 30 rubles, in the rest – 50 rubles. The total commission amount is 1% of the transfer amount. The money arrives in your account within 2 days.
• At Svyaznoy offices you can repay a loan with a fee of 1%, but not less than 50 rubles.
• The communications company Megafon provides the opportunity to repay loans in its offices with a commission of 1% from minimum amount at 50 rub.
• Offices and terminal networks of the companies M.Video, Eldorado, Domo charge a minimum commission of 50 rubles, charging 1% of the repayment amount.
• Rostelecom customer service centers and sales points provide the opportunity to repay OTP Bank debt with additional fee from 50 rubles, 1% of enrollment.

It is slightly less profitable to pay off debt through payment system Eleksnet, which has its own online wallet and terminals. For mediation in transfers, the system charges 1.4% of the contribution, but not less than 50 rubles.

The VISA QIWI Wallet electronic wallet allows you to repay an OTP Bank loan with a deduction of funds of 1.6%, but not less than 100 rubles. At the same time, the system provides the opportunity to make transfers both using terminals and using mobile application or company website.

Important! When transferring funds to pay off a debt from the card of another Russian bank, funds are credited instantly, and the commission is 2% of the payment amount. However, the limit for daily deductions is only 15,000 rubles, which may not be relevant for borrowers large sums. You can pay with MIR, VISA and MasterCard cards.

Thus, OTP Bank provides a wide selection of funds for repaying loans both without commission and with favorable conditions. Partner offices have many branches, which ensures accessibility and convenience of depositing funds, and remote methods will allow you to make a deposit on time and avoid fines.

OTP Bank allowed credit card holders to make money transfers to plastic cards from other banks. Transfers are possible between cards of the Visa and MasterCard payment systems of any financial organization, including Alfa-Bank, Tinkoff, etc. How to transfer funds from credit card OTP Bank to a Sberbank card, we will tell you further.

The online transfer service from OTP Bank cards is available at the link www.otpbank.ru/p2p/. It began its work not so long ago, although other financial institutions already have similar payment instruments on their websites. Transferring money from a credit card is not so difficult; even an inexperienced network user can understand the program interface. In addition, you won’t have to enter complicated Bank details, it is enough to have a card in your hands or know its number.

OTP Bank charges a commission of 2% (at least 60 rubles), but it can also be charged by credit organisation, which issued the sender's plastic. To transfer money, you need to open the service page and follow the instructions.

1. On the left side of the payment form, enter the details of the card from which you are debiting funds. You will need its number, expiration date and secret code on the back side.
2. In the right field, indicate the card number to which the transfer is credited.
3. Check the boxes to agree to the rules for the operation and operation of the service.
4. Enter the transfer amount. If there is a fee, its amount will be displayed on the screen before the transaction takes place.
5. Confirm your action by entering the code from SMS. The password is issued only once and is valid for a limited time.

Important! When transferring to some OTP Bank cards, no commission is charged.

The time it takes to transfer money to a card account ranges from a few minutes to 5 days. Please note that the parties to the transfer may be cards issued taking into account the 3D-Secure security standard. If you use Visa or MasterCard, they most likely support this option.

Be sure to track the fate of the translation. If the money does not arrive on time, you should contact OTP Bank to find out the reason for the delay. As a rule, funds do not reach the recipient in the event of a technical failure or when the sender provided incorrect information. In the latter case, the money cannot be returned, so carefully check the card details before confirming the operation.

Internet bank OTP

Almost all OTP Bank clients have access to a personal account. It allows operations with bank accounts in real time. To do this, you only need access to the Internet, a computer or any gadget with the application installed.

The online banking system is quite simple; understanding it will not be difficult. By functionality Personal Area is not inferior to OTP Bank self-service devices and replicates all their capabilities. To top up debit card Sberbank from a credit card, you need:

• log into the Internet service using your login and password issued during registration. To do this, select the appropriate link on the bank’s website;
• in the main menu go to the transfers and payments section. Find a transfer to a third-party bank card;
• select the account from which the money will be sent;
• indicate the Sberbank card number, amount. If necessary, you can fill in the “Note” field;
• confirm the transfer. To do this, you need to enter the code from the SMS sent to the phone number linked to the service.

Perhaps this is the simplest and affordable way transfer money to a Sberbank card. This is what most OTP clients choose when they want to quickly transfer the required amount to another bank. In terms of functionality and procedure, the personal account replicates self-service devices. Only the online service is available around the clock and anywhere. The transfer occurs within 24 hours, but in some cases it is delayed up to 5 days, usually due to a technical failure.

Let's use a smartphone

The smartphone application is even more convenient than using the service on the OTP Bank website. To log in, you will need the same login and password that you enter to log in to your personal account. How to transfer money from a credit card through a mobile application?

• Select the payments and transfers section from the menu.
• Fill in payment form for transfer, in which you need to indicate the recipient's card number and amount.
• Once again, carefully check the specified details and confirm the transfer.

Funds usually arrive within half an hour. If they are not received immediately, you will have to wait up to 5 days. Only after this can you submit an application to search for payment, because the service indicates deadline translation execution. By performing a transaction, you agree that you are willing to wait as long as possible.

How much does translation cost?

In addition to the transfer fee, banks often charge an additional fee for spending credit limit. If it is too high, there will be no point in listing. OTP Bank clients are lucky, except interest rate they won't have to pay anything. The service will only charge its own payment for the operation.

True, the transaction is not considered preferential. This means that after confirmation there is an interest-free period of use credit funds stops. The bank will calculate interest on the entire debt amount. It depends on what tariff plan credit card issued by you:

• “Clear map” - 39.9%.
• “Big cashback” - 34.9%.
• "Lightning" - 49.9%.

The interest rate is, of course, rather high. However, the absence of additional commission sets it apart OTP conditions Bank from other financial institutions. Remember about cancellation grace period and an increased percentage for transferring money to a third-party card. Take them into account when making your monthly payment, otherwise there will be a delay and, as a result, a significant overpayment.

When loved ones are in different parts of the world, you can support them with money translations, which provides the opportunity to do bank OTP. IN financial institution these operations are carried out quickly and reliably.

When funds need to be urgently transferred to different countries world, you can take advantage of the services provided bank. Receipt of money by the addressee will be available within a few minutes if his locality, there are points of such systems as:

• Western Union;
• MoneyGram.

In the branches jar it is possible to transfer funds money V national currency, dollars, euros and hryvnias. All details about Western translations Union and Money Gram can be found on their official Internet resources.

Transfers from card to card of another bank

IN bank you can use translations from map OTP client to the card of another institution. For this procedure, you only need to enter your card product number and the recipient’s card account number. Then you need to specify the amount and confirm the transaction. Cash credited within 3 business days. Commission size at translation to be specified further.

Transfer funds between OTP client cards

IN banks service available translation funds between card accounts of the organization’s clients. You need to enter the sender and recipient details, as well as the amount. You will then need to confirm the payment.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. the federal law dated July 27, 2006 N 152-FZ “On Personal Data” is not violated.

The story started a week ago. I decided to pay off the card loan in full. I go to a bank branch, there is a huge queue at the operator counter, I decided to pay through the terminal. There are 3 people near the terminal. I enter the number of the card on which I need to deposit money, enter the telecode, deposit money, receive a receipt and see that the money has arrived on my old credit card, which expired back in 2008. I'm shocked. What to do? I fortunately no longer have this card for a long time.

I approach the operator’s line, safely stand in line, and now it’s the hour of bliss - it’s my turn! And what do you think - “either the whistle doesn’t whistle, or the shark is deaf” - the operator says that he can’t carry out the transfer operation from card to card, the girl is at lunch, they send me to another branch.

What should I do, I go... There I fill out a couple of applications, ask how long it will take for the money to be transferred from card to card, they answer - 3 days. They don’t give me any receipt for accepting applications, they send me home.

I walk past the branch where I made payments, I go in, I want to find out the reasons why the payment that I made by entering the card number, telecode for this card, was received on another card. They say the program is like this: you need to choose the desired card.
I arm myself with a conductor - a person who has just deposited money through the terminal. We try together, we get to the step where you need to select a card... so I’ll tell you - the selected card is highlighted somehow very faintly, you need to look very, very closely. It’s no wonder that I didn’t notice such small nuances.
One thing I can’t understand is why, if I entered the card number and telecode for this card, they also give me the old ones, which it’s time to just close, there haven’t been any transactions on it for 2-3 years?

But this is not the end of the story... Three days pass, I call the bank on 8002007001, and find out that the transfer was not completed. I call the branch, where the girl tells me that the application has the status of “awaiting the original.” I'm interested in a girl:
- What, the head office doesn’t trust its employees?
The girl, already nervous:
- These are the rules: the transfer will be completed within two weeks.
I'm asking:
- Why so long?
- We send mail once a week.
- Why then did you tell me three days ago that the transfer would be completed within three days?
- I didn’t tell you that.
“Fine!..” I answer.

After three days have passed, I call the multi-line phone every day. And imagine that every day they tell me new deadlines: 2 weeks, 30 days, today they said 40 days! Cool, right? From OTP Bank card to OTP card bank - 40 days! This is just absurd, guys.

I wanted to see the rules or procedure for transferring from card to card with my own eyes, but alas, I couldn’t find it anywhere, it looks like these rules or procedure (that’s what the operators called this document, who is the order, who are the rules) is secret information that even OTP bank operators do not know thoroughly .

I don’t know how the matter will end, I will inform you about further developments. But the lesson I learned from this story is to never contact OTP Bank again! For example, OTP Bank - Sberbank handles transfers from card to card within 2 hours! And OTP bank - 40 days. Feel the difference. Moreover, I was accused of not being attentive enough. I think the bank should not lecture its clients, but will probably learn to work quickly in the age of “nuclear energy and computer technology.”

This whole story happened in Tver, Moscow is 3 hours away by train, if you send a letter with the original by mail, it will take 2-3 days. But alas, things are still there. And the Sberbank employees are GREAT! Of course, I wouldn’t want the transfer to be completed like that man’s - in six months. Are these your real deadlines? I can’t wait that long, I’ll go to Moscow on foot... and still demand that I give up my hard-earned money.