OTP bank help desk telephone. OTP Bank hotline - phone numbers☎️
U jar OTP has a wide range of services. Private and corporate clients can use them at any branch of their settlement. For questions regarding card servicing and provision of services, you can contact us by phone OTP bank hotline.
To date OTP bank serves approximately 4 million customers. When using the services of an institution, questions and problems may arise that can be easily resolved by contacting the hotline. line for free phone. Most often, citizens are clients jar apply for the following reasons:
- Credit cards and loans. From operators jar citizens can find out the limits on credit cards or the balance of payment, the sequence of actions in case of late payment on a loan, the amount of accrued interest and penalties;
- Customer credit. Credit on consumer needs OTP Bank is provided on conditions that are optimal for clients, which can be obtained from the operators at phone indicated on the official website of the institution. Operators jar will tell you what procedure to take in case of insolvency;
- Cash loans. When contacting customer support OTP Bank information will be provided on the location of its nearest branches, documents that will be required, deadlines for consideration of applications, places for debt repayment;
- Deposits. IN OTP Bank citizens can open a deposit. If you have any questions, you can contact our support team toll-free. phones. Managers will tell you where you can open a deposit, what interest will be accrued;
- Bank cards. Main activity jar is the issuance of plastic cards to customers. Sometimes there are situations where they are lost or stolen. Operators hotline will help to carry out operational blocking;
- Other issues that require the help of a consultant jar.
Ways to contact consultants
I give my consent to OTP Bank JSC (125171, Moscow, Leningradskoye Shosse, 16A, building 1) for processing (collection, systematization, accumulation, storage, clarification (updating, changing), use, distribution (including including transfer), depersonalization, blocking, destruction) of my personal data, including last name, first name, patronymic, details of an identity document, as well as other information related to me in order to consider this request and provide a response to it.
I am notified that the message containing my personal data will be stored for 1 year from the date it was sent.
FAQ
Credit cards
- How to activate the card?
Did you receive the card by mail or courier?
- To activate the card, you will only need to call the Bank at tel. 8-800-200-70-01 or via Skype () and inform the employee of your desire.
The procedure will not take much time. You will need to answer several questions, after which, if the answer is positive, the card will be activated
No later than the next working day, you will be able to use it.
Did you receive your card at the branch?
- In this case, the card is issued already activated.
- What should I do if I lost or forgot my PIN code?
Can I use the card immediately after activation?
If you received a card without a PIN code, then after activation it will be sent to you by mail within two weeks, but in the meantime you can receive money at bank cash desks by presenting your card and passport.
- Can I use the card immediately after activation?
Was the card issued at a bank branch?
- In this case, contact the branch to reissue the card with a new PIN code.
You can check the office addresses and their operating hours on our website:
Was the card received by mail or courier?
- Order re-issuance of the card by calling the bank at tel. 8-800-200-70-01.
- The card has expired, how can I get a new one?
Once the card expires, it is no longer possible to use it again, but if you still have an outstanding debt, you can continue to pay the loan as before with any in a convenient way, except ATMs: .
If you received the card by mail or courier, then order a reissue by calling the Bank's contact center at tel. 8-800-200-70-01 or via Skype ().
If the card was issued at a Bank branch, then Contact the service department to write an application for reissue.
- How to control your card account?
- call the bank's contact center at tel. 8-800-200-70-01 to get specialist advice, or use the auto-informant (IVR) service. To do this, switch your phone to tone mode and follow the voice prompts.
- write an email to .
- contact via Skype ()
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Telecode is your personal number for logging into the automatic banking service system.
A telecode is needed when using an auto-informer when calling the bank by phone.
- What's happened credit limit cards?
The credit limit is the amount that the bank provides you for long-term use.
For a certain time (during the validity period of the card), you can “borrow” this money, return it back to the card and use it again.
- Are there any restrictions on the credit limit?
Yes, I have. Bank in individually sets the credit limit for the client’s card after assessing the client’s data specified in the application form.
- Can I change the credit limit on my card?
- How can I find out what conditions apply to the card?
You can view detailed information about the conditions for using the card in accompanying documents received along with the card (tariff, booklets) by calling the bank at tel. 8-800-200-70-01 or via Skype ()., by sending an electronic request to.
- How to pay a loan by card?
After you use the credit money, it will need to be returned back to the card. Depending on the tariff (you can check it on the website:) the bank sets a certain amount of the monthly minimum payment. It will be enough to pay off interest and fees for using the loan within a month, and pay part of the amount spent.
You can also deposit any amount more than minimum payment, up to full repayment of the loan. There is no upper limit for the payment amount. - What is the minimum payment?
The minimum payment is the amount of money you need to pay each month in order to pay interest and fees for using the loan and repay part of the amount spent.
The amount of the minimum payment depends on the terms of the tariff. You can find out what the minimum payment is for your card from the tariff received with the card, or by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype (), by sending an email to. -
- Before the next repayment date, together with the next payment, it is necessary to pay the missed payments, as well as penalties (if they have been accrued). You can find out the payment amount by phone. 8-800-200-70-01, via Skype () or by sending an electronic request in the form feedback on the bank's website: .
- What fees are charged for using the card?
When using a credit card, you need to return the amount of money spent along with interest and additional fees that are provided for in the tariff.
Additional fees can be:
Fee for SMS notification is 59 rubles. - charged monthly until you repay the loan in full.
The fee for servicing a card received at a bank branch is paid once a year, the amount of the fee depends on the type of card.
The fee for servicing a card received by mail or courier is paid once a month in the amount of 99 rubles.
Check your settings tariff plan You can on the bank's website:
- Can I pay off my card with payments greater than the minimum payment?
Yes, you can make a payment to your card every month that is unlimited in excess of the minimum, up to the full repayment of the debt. At the same time, you will repay the loan faster and overpay less interest.
After all, interest is accrued every day on the balance of the debt, therefore, the less debt remains, the less interest is accrued on this amount. - Can I use the card abroad?
Of course you can. OTP card International Payment Bank VISA systems or MasterCard You can pay for goods and services in any trade organizations all over the world, accepting plastic cards for payment, or receive money in cash at ATMs of any banks.
- What is a grace period?
The grace period (aka GRACE period), as one of the most significant advantages Your card gives you the opportunity to use credit and not overpay interest for it.
Preferential conditions apply only to non-cash purchases.
In order to take advantage of the conditions grace period, before the completion date, the entire amount of the debt must be paid. In this case, interest will not be accrued on purchases made during the grace period. - From what date does the grace period begin?
From the date of card activation, billing periods of exactly 30 calendar days are calculated, during which you must make minimum payments if you do not plan to immediately repay the debt.
And the start date of the grace period coincides with the start date of the billing period every month.
The duration of the grace period is 55 calendar days.
You can find out the start and end dates of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype (), by sending an email to. - How does the grace period work?
From the date of card activation, billing periods of exactly 30 calendar days are calculated.
On the last day of each billing period, the bank generates a statement of the card account, which it sends to you by mail.
This statement contains the amount of the total debt, taking into account all your expenses and payments made for the past billing period(month). In order to take advantage of the terms of the grace period, you need to pay the full amount of debt calculated as of the date the statement is generated before the end date.Let's give an example.
You activated your card on January 01.
During the month you pay with your card for purchases.
On January 30, the bank generates a statement with the amount of total debt at the end of the month.
Over the next 25 days, you must repay the full amount due.
If these conditions are met, interest will not be charged on all purchases for the previous month.If, in addition to non-cash purchases during the month, you also withdrew money from the card, then preferential terms continue to apply to purchases, but you will need to pay additional interest that was accrued on the amount of cash withdrawn.
You can find out the start and end date of the grace period by contacting the bank in any way convenient for you: call tel. 8-800-200-70-01, via Skype (), by sending an email to.
- How to get a card statement?
To obtain an account statement for the period of interest, you can contact any representative office of the Bank; office addresses are on the website: .
- Can I use the card again?
The card can be used an unlimited number of times during its entire validity period.
You can check the validity period on the front side of the card (in the center, under the card number in month/year format).
The available balance of the card will increase with each payment you make, and after the debt is fully repaid, the credit limit will be restored to its original value.
If the credit limit is completely exhausted, then available funds will appear only after you make your next payment. - How to close a card account?
In order to close your card account, you need to contact the bank office: and write a corresponding application.
Required condition to accept the application for execution is full repayment loan. If yours remain on the card own funds, then in the application you will need to additionally indicate the account number to which you instruct the bank to transfer your money.
The period for execution of the application from the moment it is received by the bank is up to forty calendar days.
Store credits
- What is a consumer loan?
- General terms issuing a loan?
The loan can be obtained under any of the existing lending programs.
Minimum amount loan: 3,000 rub. (depending on the promotion, the amount can be reduced to 2000 rubles);
Maximum amount loan: up to 600,000 rubles (depending on the promotion and region);
Loan term from 3 to 36 months;
Loan rate: from 14.7%
Down payment: from 0% to 99%
Monthly commission: from 0%
Early repayment: FREE
The loan currency is rubles.
You can find out detailed information about which lending programs operate in your region from our Agents in the store. - How to get a consumer loan?
You need to contact an OTP Bank employee at a partner store, select the most suitable loan terms for you and fill out a loan application.
The decision on the possibility of providing you with a loan and its amount will be made within five minutes.
If the decision is positive, you will need to sign documents and receive a payment schedule with receipts for payment. - What are the requirements for a client to obtain a consumer loan?
- Citizenship of the Russian Federation;
- Permanent registration and actual residence in any of the regions where there is a bank cash office (addresses can be found on the website:);
- >Age at the time of applying for a loan is from 21 to 69 years inclusive.
You can get information about what loan conditions apply in your region from an OTP Bank employee at a partner store.
- In which stores can you issue a consumer certificate? OTP loan Jar?
You can get a loan at any bank partner store if it is located in the region of your permanent registration and actual residence. You can check the addresses of stores at the OTP Bank credit and cash office in your region. Contact phone numbers are on the website: .
- Is it necessary to insure a loan?
When applying for a loan, your desire to insure the loan or refuse this service does not influence the bank’s decision. The decision is made by the bank based on checking the data you provided in the application form.
For consumer loans, you may be offered life and health insurance programs, as well as insurance in case of job loss. You can read more about their terms and conditions on the website: - Is it possible to repay the loan early?
Of course you can. Early repayment of the loan is possible at any period.
You will save your own money because you will not need to pay interest for all subsequent months of using the loan.
To do this, you must pay the full amount due before the next repayment date.
Find out the amount for early repayment can be done from the payment schedule or by contacting the bank:- call tel. 8-800-200-70-05 to get specialist advice, or use the auto-informant (IVR) service. To do this, switch your phone to tone mode and follow the voice prompts.
- receive an "Express statement" on your loan:
- find out the amount of debt through the OTPdirect online bank (you can activate the service at any OTP Bank office, detailed information about the service and tariffs are on the website: );
- contact via Skype ().
- Is it possible to pay off a loan with payments greater than the minimum?
If you receive more money than the amount of the required payment, only an amount equal to the payment from the schedule will be debited from your account on the repayment date.
The remaining funds will be credited only on the date of payment of the next payment.
Accordingly, next month it will be necessary to pay the difference between the amount of the next payment and that part Money, which remained as an overpayment from the last time. - How to pay a consumer loan?
When you receive a loan, a bank employee will give you a payment schedule according to which you will need to make payments. There are several ways to pay for a consumer loan, both within the bank through a network of offices and self-service terminals, and through third-party payment systems.
You can find them here:
You can choose the most convenient one for yourself. - What should I do if I missed a payment?
If this is the first missed payment, then you must pay only the missed payment and the amount of the second payment by the next payment date. The Bank does not charge penalties for missing the first payment.
If you miss the second payment, you must pay a fine in accordance with the tariff:
You can clarify the payment amount by contacting the bank in any convenient way:- call tel. 8-800-200-70-05 to get specialist advice, or use the auto-informant (IVR) service. To do this, switch your phone to tone mode and follow the voice prompts.
- write an email to ;
- get an "Express statement" on your loan:
- check the amount in the OTPdirect online bank (you can activate the service at any OTP Bank office, detailed information about the service and tariffs are on the website: https://direkt.site);
- contact via Skype ().
- How to control your credit score?
You can use convenient and simple services for obtaining information:
- call the bank's contact center at tel. 8-800-200-70-05 to get specialist advice, or use the auto-informant (IVR) service. To do this, switch your phone to tone mode and follow the voice prompts.
- write an email to ;
- view information about payments and debts through the OTPdirect online bank (you can activate the service at any OTP Bank office, detailed information about the service and tariffs are on the website:);
- contact via Skype ().
- What is a telecode and how to find it out?
Telecode is your personal number for logging into the automatic banking service system.
A telecode is needed when using an auto-informer when calling the bank by phone.
The telecode consists of three digits. Its value is equal to the last three digits of your Russian passport number. -
If you need to return a product, then, first of all, you should resolve this issue with the store. Then contact a Bank employee (the representative of the Bank who issued the loan for you) and fill out an Application for Return of Goods.
For the past period of using the loan, the bank will need to pay interest according to the new payment schedule, which the employee will give you after recalculation.
Money paid in cash at a store when purchasing a product ( an initial fee), are refundable in full - How to return goods and terminate the contract?
You can apply for help at any partner store or bank cash office in your region; office addresses are on the website:
With your passport, you can contact any branch or branch of our bank in your region. Our specialists will help you calculate the loan and choose the best option.
In addition, you can submit a preliminary application for a cash loan on our website. - What are the basic requirements for obtaining a loan for a borrower? What documents need to be provided?
- age from 21 years at the time of application to 65 years inclusive at the time of loan repayment (under the “Business People” program, the minimum age is from 25 years at the time of application);
- citizenship of the Russian Federation;
- permanent registration in any region of the Bank’s presence and actual residence in the region where the loan was issued;
- permanent place of work and length of service at the last place of work, corresponding to the conditions of the loan program.
A complete list of requirements imposed by the Bank on the borrower and documents necessary to obtain a cash loan is presented on our website in the “Cash Loans” section: http://www.site/retail/nopurpose/, or to clarify it you can contact our Contact -Center by phone +7 495 775-47-75 (for residents of Moscow and the Moscow region), 8-800-100-55-55 (calls from Russian regions are free).
- What is the time frame for making a decision on loan applications and how long does it last?
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
Bank clients can download for free mobile application"OTPdirect" on your tablet or phone. 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 get everything 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 exact amount on 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 detailed map, which indicates the terminals and points where you can make payments.
- Payment tracking by 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.
At the OTP Bank branch
OTP Bank is serious banking organization, known throughout Russia. To attract more potential customers and maintain a good relationship with existing borrowers, the company uses such a type of communication with clients as the OTP Bank hotline.
OTP Bank hotline phone numbers
- 8 800 100-55-55 - free phone OTP Bank hotline for calls within Russia
- 0707 - free short hotline number for calls from mobile phones
- 8 800 200-70-09 - telephone for technical support legal entities
Hotline for credit products
OTP Bank positions itself primarily as an organization offering lending services. The bank has many offers for clients. Clients can find out about lending issues at the following numbers:
- 8-800-200-70-05 - the operator will inform the calling client about the features of the consumer loan.
- 8 800-200-70-01 - owners are serviced by number credit cards, and cards are also issued for those who want to get them.
- 8-800-100-55-55 - the operator will tell the client about the possibilities of obtaining a loan, which can be taken out in cash. Here you can also get information on deposits.
OTP Bank took into account that it is better to differentiate phone numbers depending on the topic of requests, so that service occurs more quickly, and so that clients do not have to wait long for an answer and are constantly redirected from one consultant to another.
What issues can be resolved over the phone?
Operators help clients decide various questions. Among them, it is worth highlighting the features of processing and repaying loans. Operators will announce a list of documents required to obtain a loan, information about the dates and amounts of loan payments, features and types of deposits that the bank has. Customers will also be told about sizes interest rates and about the specifics of credit card servicing. Operators respond quickly and clearly, and the majority of clients are satisfied with their work.
Call costs
Calls to the main OTP Bank hotline number (code 800) are free.
If a client from Moscow calls a local number (code 495), there will be differences. There will be no charge for calling from a landline. If the communication is carried out via mobile phone, then the fee will be as much as it costs mobile operator(according to the established tariff).
It will also be useful for clients to know that OTP Bank has a special short toll-free number 0707 . Calls to it are always free for everyone. Not all clients know about the existence of this number, so it is much easier to call it than through others.
Alternative communication channels of OTP Bank
Like any company that cares about the comfort of its customers, OTP Bank has provided variations in communication methods. Firstly, the client can write to email bank, which has two addresses:
- [email protected]- for most questions.
- [email protected]- Internet banking issues.
In addition to e-mail, the client can contact OTP Bank consultants via Skype. Finding an account is easy - just enter otpbank_russia in the search bar. The bank also has an account in social network Twitter. And the last way is to go to the bank’s website and, in a special section, fill in the fields with information about your full name, passport data and write a question to which you would like to receive an answer from a consultant.
Structure of the voice menu of the OTP Bank hotline
Hotline OTP Bank does not immediately transfer the client to the operator. First you need to select the section you are interested in. There is a voice menu for this.
Digit 1
Information on cards is provided here. The section contains subsections:
- Card blocking.
- Card activation.
- Setting a PIN code.
- Financial information on cards.
- Conditions for issuing cards.
Digit 2
In this section, clients can find out information on loans and credits. There are also subsections:
- Credits and loans at retail outlets.
- Cash loans and non-targeted loans.
- Conditions for processing credits and loans.
Digit 3
All about deposits.
Digit 4
Other OTP services jar.
Despite all the advantages of servicing OTP Bank, the hotline voice menu has a rather big drawback. The client cannot return to the previous section by pressing any button. Unfortunately, this option is not provided. If a customer accidentally clicks on the wrong section, he will have to hang up and call the hotline again.
If you call the OTP Bank hotline, the client will hear the informant’s voice menu. It consists of 5 sections. Each section corresponds to a specific key on the phone layout.
- If you want to quickly connect with an operator and not wait for the informant’s full message, then you need to click figure.
- Behind number information about bank cards is fixed. In this section, the client will be able to obtain comprehensive information on debit and credit cards, leave a request for release, find out the production date, check the status of consideration, find out the date next installment by credit card or minimum payment, etc. By pressing a number in the main menu, the client enters the subsection menu of the “Bank Cards” category. Here you can quickly block the plastic card by pressing the number, activate a new card by pressing the number, get a PIN code (number 3), find out any information (number 4). For example, if you want to activate your card, you need to call the OTP hotline and press the following sequence of numbers: 1 - 2.
- Under number The main menu contains a section with information about loans. It also consists of several subsections. By clicking on a number in this section, the client can receive information about the bank’s POS loans, which are provided for the purchase of goods and services in partner stores.
The number will connect the client with an operator who will provide comprehensive information about consumer loans cash and non-targeted loans. By clicking on the number, the client will receive information about the conditions for granting and servicing loans at OTP Bank. - The “Deposits” section in the main voice menu of the OTP Bank contact center is located under the number. When you click on this number, the client is immediately transferred to an operator. There are no subsections here.
- The last category of the main voice menu of the OTP Bank call center is “Other products and services” under number. There are no subsections here, so there is a direct connection with a contact center employee.
How long does it take to wait for operators to respond?
The OTP bank call center is not so overloaded that users wait 20-30 minutes for an operator to answer them. The usual response time rarely exceeds 1-1.5 minutes. In some cases, delays from 3 to 10 minutes are possible. This happens most often during rush hour. This period lasts daily from 16:00 to 20:00. This often happens on Fridays until late in the evening.
Disadvantages of the OTP contact center
When calling the OTP Bank hotline and subsequently connecting with an operator, the system does not inform the client of the approximate waiting time, stating only that the first available operator will answer the phone call. In most other banks, the client is informed of at least the approximate waiting time for an employee’s response, and this is much more convenient.
The biggest disadvantage of the OTP bank hotline is that the client will not be able to return to the previous menu by pressing any key (# or * in other banks). This is simply not provided for in the OTP Bank voice menu.
If the client makes a mistake and selects the wrong button, he will have to make a second call, or wait for an automatic connection with the operator, which will happen if he does not select any of the categories 2 times in a row.
