How to pay for a TP bank loan without commission. Pay a TP Bank loan via the Internet using a Sberbank bank card

When making large or expensive purchases in a store, many take out consumer loans. As a rule, credit departments recommend bank OTP programs. This financial institution acts as one of the leaders in consumer loans. At OTP Bank, loan repayment is possible through remote services; the most frequently encountered options should be examined.

Methods for repaying a loan at OTP Bank

To repay the loan, the credit institution offers many options:

cash, use ATMs;
through online payments;
using mobile banking.

When using a branch or ATM is problematic, it is possible to pay for an OTP Bank loan via the Internet.

Credit organisation invites clients to connect to the OTPdirect Internet banking system. Using the application, the question is how to pay OTP loan bank via the Internet is resolved promptly. This service allows you to constantly be aware of changes in your account status, make loan repayments, and pay for communication and utility services. When applying for an account or loan, credit consultant will offer to connect OTPdirect absolutely free.

For owners of mobile devices that support Android and GooglePlay, it is proposed to download the free OPTdirect application. To log in, the same passwords are used as for the mobile application. When paying for an OTP Bank loan via Internet banking, no commission is debited. Here you can find information about the receipt of money for the loan, the presence of debts and the date of the upcoming tranche.

How to make a transaction via SMS service

OTP Bank has also provided a way to repay a loan without Internet access. To do this, you can use the SMS service. This system allows you not only to send the next tranche of the loan, but also to check the account balance, the amount of debt, account details, the date and volume of the next transaction. To carry out transactions in SMS banking, you need to send a message to number 5927 with the command code and the transfer amount.

The most commonly used commands are:

CREDIT - allows you to find out the date and amount next installment, information about the status of debt;
CARD – deadline grace period, the amount of the minimum payment and the payment term;
BAL – account status;
BLOCK – block the card;
AMOUNT – make a payment according to the template created in the Internet bank;
REKV – payment details;
LIST – find out recent transactions by account;
HELP – a list of commands for performing operations.

It’s quite easy to connect the SMS service via phone or OTPdirect.

Using a mobile phone, you need to call the bank's support service and tell the operator the code word. Next, use SMS messages to activate the service. It should be remembered that the use mobile service free, but your carrier may charge you for sending messages.

You can connect the SMS service through OTPdirect. In the Settings menu, select SMS Banking Settings. Specify the required phone number in the SMS notification number section and press the Execute button. A password will be sent to the entered number; you must enter it in the Internet banking field and confirm the settings.

How to pay a loan online with a bank card

Often, borrowers use the services of several banking institutions and the problem is: how to pay for an OTP Bank loan via the Internet by bank card may occur to many people. The lender's employees provided various ways.

In addition to the services of OTP Bank itself, payment for a loan is possible using the payment systems Qiwi, Yandex.Money and MTS services.

To carry out transactions to pay for an OTP Bank loan via Qiwi, you must register in the system and deposit funds through the terminal. Then log in to the application and in the Loan repayment section find desired bank. In the window that appears, enter the account details specified in loan agreement and full name. Payment system allows you to make calculations in addition to Qiwi wallet, also from other accounts. Next, select the transfer method and click Pay. The debit transaction code will be sent to the specified contact; you need to enter it in the field and send the payment.

It is possible to pay an OTP Bank loan via the Internet with a bank card using Qiwi without registration. On the Qiwi.com website, select the Transfer from card to card menu. Enter the information from the sender's card and the CVC code, then the recipient's card number and click the Transfer button. After entering the control code, the money is sent to the recipient.

If you repay an OTP Bank loan in your MTS Personal Account, you can write off funds both using your phone balance and from the card linked to the phone. Here in the Personal Account menu, click on the Manage Payments button. In the submenu Payment for goods and services, select Loan repayment. There are two types offered here: by account number or by card number. Then the mobile contact or card number is entered and the received SMS password and amount are entered - the transfer goes to the recipient.

To pay for an OTP Bank loan in Yandex.Money, you need to register an account on the website. From your account, go to the Payments and transfers tab and find the desired recipient in the list that appears. Fill in the recipient's full name, account details and transfer amount.

When using payment systems, it is important not to forget that a fee is charged for repaying the OTP Bank loan in the amount of one and a half to five percent of the write-off amount.

How to carry out the procedure through Sberbank Online

Almost every citizen of our country owns a payment document or an account with Sberbank. In the case when it is necessary to pay for an OTP Bank loan via the Internet from a Sberbank card, it is important to consider that the sending bank will write off a commission in the amount of 1% of the transfer.

For the convenience of making monthly payments, Sberbank has provided the Autopayment service. The card owner needs to create a template indicating the details of the loan agreement and the date of payment. Next, the system will automatically and monthly debit the entered amount from the Sberbank account in favor of repaying the OTP Bank loan. An important condition, is the availability of the required amount of finance on the card.

Borrowers connected to the Sberbank Online system can use this system. When paying for an OTP Bank loan through Sberbank Online, you should activate the service and in the Payments and transfers section find the Transfer to account link. Select the button To accounts of other banks, fill in the account details of the OTP bank, the name of the payer and the amount of debit. The application will send a confirmation code for sending in an SMS message, which is indicated in the window that appears and press the Confirm button.

One of the disadvantages of paying for an OTP Bank loan through Sberbank Online is the long wait for the funds by the recipient, which can reach several days. This fact should be remembered when performing a transaction.

Conclusion

Thanks to the convenience of paying for a loan at OTP Bank, borrowers have a choice of payment methods. The lender interacts with various payment systems, which makes it possible to make transfers from different parts of Russia and neighboring countries. Most of the options discussed allow you to quickly make a payment. But in the case of paying for an OTP Bank loan via the Internet from a Sberbank card, you will have to act in advance.

Clients jar, probably, more than once encountered a situation when, when paying loan must be entered commission. How to avoid unnecessary spending of funds or at least reduce the amount commissions to a minimum? Read more about the information below.

Otp bank takes care of its clients and provides several options for loan repayment without commission. This process allows you to reduce costs and also contributes to the withdrawal of absolute interest by the bank.

Key payment options

World Wide Web
Cards otp bank.
Sberbank card.
Using the specified contract number.

World Wide Web

Modern technologies provide the opportunity pay loan remotely, that is, using the World Wide Web.

Popular methods include:

"OTP Direct";
Electronic wallets;
Services "Unistream" and "Golden Crown";
Send money With debit card.
The data is entered on the official website of the bank.

Internet banking; An easy and profitable option is to contact OTP Direct, Internet banking or simply log into account Online jar. When transferring funds from a debit card from a joint account commission

not calculated. loan The client can enjoy the benefits of a personal account. It is registered at checkout jar in the department

. You send your request to the call center manager, and he will send the necessary login information to your mobile phone. Your mobile device has the ability to download an application developed by – otp bank

“Mobile Bank”, you can also easily carry out payment transactions there. There is only one drawback of such a system: if there is no connection to the local network or if it fails, the operation cannot be performed.

We use the OTP card pay Without using Internet banking, You can get a loan in the following way: by using a bank card from.

OTP jar This method is paid and is carried out on the official website

. To implement it, 4 steps should be carried out:
Select the item “Repay loan”.
In the “Online payment” section, go to the “Payment by card” widget. A kind of receipt opens, Where

The translation is carried out by the Payment Center organization. For providing the service the operator receives commission equal to 2%.

Payment via Sberbank card

Deposit via the Internet payment clients can use a Sberbank card. To do this you need:

Get active in the Sberbank Online resource.
In the “Payments and Transfers” section, select “Repay a loan from another bank.”
Provide card details and amount of money.

To facilitate the procedure in the future, it is possible to install a template in the application that will remind you that you need to pay credit. The operation occurs automatically, and the money will be debited from the client’s account every month at the appointed time.

By resorting to this option, it will be written off When transferring funds from a debit card from a joint account at the rate of 1%.

Contract number

No matter what payment method loan It’s more convenient for you, you need to know the contract number. Without it, it is impossible to make a loan money, nor use Internet services. This is especially important if:

ATM;
Using otp terminals jar;
Transfer between banks.
Transfer by mail.

The number itself consists of twenty digits.

Services

Another common option is the Unistream service. Organizations transfer funds within 24 hours to the client’s account. The “Russian Post” operates according to the same scheme.

How to reduce commission to a minimum?

The previous methods require, although not high, a commission. If this arrangement does not suit you, then pay the fee to otp bank, while spending minimal resources, you can use:

Services of the "Golden Crown". The service cooperates with such companies as Euroset, MTS, Beeline. The commission does not exceed 1% of the entire transferred amount.
Enrollments arrive within 2 days. There must be at least 50 rubles on the card. Payment loans
possible at Svyaznoy branches. commissions Megafon provides the same opportunity. Starting bid
- 50 rubles.
The companies Eldorado, M.Video, and Rostecom also repay the loan; the amount on the card must be at least 50 rubles. A little higher interest rate
for the Eleksnet electronic wallet – 1.4%. VICA QIWI Wallet has 1.6%, from 1000 rubles. You can use the system through the terminal, mobile app

and website. As we see, bank Payment is actively developing various applications that allow repayments quickly and with minimal financial losses. In addition, cooperation is ongoing with other companies and organizations. Taking care of clients otp bank all conditions have been created for the fulfillment loans, both in cash and with the help of auxiliary means, in order to save clients’ time.

Thanks to partner branches, which are located everywhere, the client can make a payment at any time convenient for him. credit. Now there will be no problems with fines due to late payments.

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.

Once you receive a loan, you must remember to make payments on time according to the schedule, so as not to increase the debt due to applicable fines and penalties. Today at OTP Bank you can pay for a loan via the Internet using the agreement number, ATMs in cash, and also transfer from another bank using the details to your account.

Loan payment through OTP Bank services

If you want to pay a loan via the Internet at OTP Bank, payment details are not always required. You need to register in online banking OTP Direct. It's not difficult to do this. A login in the online bank is assigned to each borrower automatically upon concluding an agreement, in which it can be found. When going through the registration procedure, you will need to enter it and your phone number. The client will receive a password to visit the service, which is recommended to be replaced.

By visiting your Personal Account, it is easy to make a payment if you have an OTP card, for example, a salary card. The navigation and interface are clear and quite convenient to use. You must go to the Credits section and click Pay. In the fields you will need to enter the amount and indicate the bank card number to be debited (if there are several of them). The last step is confirmation. This procedure is standard and is performed by entering the key from SMS.

Description of the capabilities of the OTP Direct service: repayment of loans for any Bank details, payment for services, expenses and balance Money and other.

Another bank card

Without an OTP Bank card, loan repayment is possible via the Internet using a bank card from any other institution. It’s easy to do directly on the OTP website in the Payment section (without registration). Here are described possible ways repayments, and is asked to proceed to payment by clicking on Pay with card.

Enter your credit account number, your last name, transfer amount and email address. mail.
Write down the bank card details for debiting: number, code, expiration date.
Confirm the action with a password through the phone activated to the bank card.

Via the Internet using the contract number

Repaying a loan from OTP Bank using the agreement number via the Internet is possible in several ways:

From the phone of the MTS operator. On the OTP Bank website, you need to go to the Payment – From Phone Account section and fill out the payment slip: account number, amount, phone number. For the service, MTS charges a commission of 2.5% + a mandatory fixed amount of 10 rubles. For small transactions, the commission is 60 rubles.
Kiwi. In the transfer section in OTP, the client can choose payment from a card or Qiwi wallet, after which he should enter the OTP account number, last name and amount. Next comes a redirect to indicate card details or wallet number. Commission 1.6% (minimum 100 rubles).
Eleksnet. The service can be accessed through the OTP website. You only need to enter the loan account number and amount. Commission – 1.4% (minimum 50 rubles).
Yandex money. Make a transfer from an existing wallet. You can also link your account to an electronic wallet to simplify and speed up the procedure.

These options for paying at OTP Bank via the Internet using an agreement number differ in speed. There is no need to wait 1-3 days, as for banking operations. Usually, the money arrives within a couple of minutes.

Through the OTPcredit application

We recommend installing a mobile application that will remind you to deposit regular payment. Through the OTPcredit mobile application you can pay the loan using any in a convenient way, create templates and always know exact amount to pay.

Payment details

At OTP Bank, paying for a loan using the agreement number via the Internet is not the only option. If you can pay the loan only in cash, you can use cash-in ATMs, Qiwi or Elexnet terminals. The commission depends on the method and can be 1-1.6%. You can also use the Golden Crown service through the following stores and networks: Euroset, MTS, Kari Stores, Beeline, Agent.ru, Maximum, Know-how, partner banks of the Golden Crown system and City. The commission is 1% (minimum 50 rubles).

You can also send a transfer to OTP Bank through the cash desk of any financial institution to pay. Details for the procedure can be found in your contract. In addition to your account number, you will need general bank details:

TIN 7708001614;
BIC 044525311;
Gearbox 997950001;
correspondent account 301018100000000000311

The commission is determined by the institution chosen by the client. Usually, it does not exceed 1%, less often – 1.5%. If you deposit cash directly at an OTP branch, you do not need any details. It is enough to give your contract or account number and present your passport. There is no transaction fee.

Conclusion

As you can see, at OTP Bank, repaying a loan via the Internet using an agreement number is a convenient and quick procedure. The bank provides the client with the opportunity to choose to pay from a bank card, even third party bank, or using an electronic wallet, and also does not limit the time of payment and allows you to make repayment at any time of the day.

JSC OTP is one of the market leaders in providing credit funds to the population. There are many debt repayment options available to clients. On the website www.otpbank.ru, loan repayment methods are presented with a detailed description.

OTP users have access to various ways to repay a credit card or consumer loan: online services (via the Internet), debit bank card ( non-cash transfers), through an ATM (cash).

OTP Bank can pay for a loan using the agreement number as follows:

Online services:

Transfer from a card of another bank;
gold Crown– KoronaPay, instant transfer by account number is carried out at the representative offices of Euroset, Beeline, Curry, Know-How, MTS (if you top up using your plastic number, it will arrive within two days);
Through Svyaznoy salons (transfer period - 24 hours);
Qiwi wallet;
Eleksnet terminals and electronic services;
Yandex money.

Depositing cash:

Terminals (the operation is completed within 24 hours), addresses can be viewed https://www.otpbank.ru/retail/canalplateg/terminaly-samoobsluzhivaniya/;
ATMs, cash-in is required (transaction period – one to two days);
MegaFon retail outlets (crediting funds – 24 hours);
Cash desks/terminals of MVideo, Domo retail outlets;
Rostelecom sales points (period – one business day);
Cash transfer via mail.

Bank transfer:

From a personal account (internet-bank, etc.);
In branches of all banking organizations;
At some places of work, it is possible to arrange regular payments from wages through the company’s accounting department.

Payments must be made taking into account the repayment period to prevent overdue debt. The recommended period for depositing funds is no later than 3-7 days before the specified date.

How to pay an OTP Bank loan via the Internet with a bank card - the easiest way to pay

The loan can be repaid by debit plastic card in OTPdirect. Paying your debt via internet-bank/app on your phone is quick, easy and free.

How to pay a loan at OTP Bank via the Internet:

Download the official website and go to Internet-bank;
Open the user account (the username and password are given when you sign up for the contract, if you forgot, you will find out the login from the operator, the password will be sent to your financial phone);
Go to the Transfers between your accounts section;
Select your credit account number and debit card for write-off;
Enter the planned amount and confirm the operation;
After completion, you can check whether the money has been credited;
It is also possible to view the amount and date of the upcoming payment.

Pay off debt payment card can still be in the program mobile bank, self-service devices.

When performing a transaction, you need to enter the transfer data in the user’s account at the terminal, confirm with a telecode (numbers from passport No.), login – plastic/agreement No.

How to pay for an OTP Bank loan through a QIWI terminal or from a QIWI wallet

The QIWI service guarantees instant deposit of money, with the exception of replenishment using card No. – it will take up to 2 days.

OTP Bank to repay the loan:

Open the QIWI service;
Click Create wallet;
Enter your phone number and code received via SMS;
Create a password;
Log in and pay for the necessary services.

Or you can do this: how to pay for an OTP Bank loan through Russian Post

The network of Russian Post offices is very wide; it has representative offices in the outback, where there is no Internet or ATMs.

You can repay your debt at Russian Post offices; there is also the opportunity to top up your plastic card and pay for many other services.

The main advantage of repayment through Russian Post is the absence of commission fees. But such a payment can take from one to seven days to be credited. This must be taken into account when repaying the loan; it is recommended to deposit money 10 days before the planned date.

Algorithm for replenishment by mail:

Find the nearest office and visit it;
First, by calling the hotline, find out the amount of the full payment;
Provide the specialist with your details and identification document.

Paying for an OTP loan with a card from another bank

The loan can be repaid using any card banking organization, such operations are performed through OTPcredit, internet-bank (the organization that issued the plastic), intermediary sites or self-service devices. When the enrollment will take place and how much the service costs depends on the organization and method of payment.

The procedure for repayment from a card of another banking organization through the Zolotaya Korona website (service cost from 2%):

Open the website koronapay.com;
Select the Debt Repayment section;
Next, choose online payment;
Looking for OTP Bank;
Enter your OTP account number;
Enter the borrower's full name;
Indicate the plastic number for debiting money;
Enter the amount and confirm the transaction

Funds can be written off from Visa, MasterCard, MIR plastic products.

Limitations have been established - the amount of transfers to one account is no more than 15 thousand rubles / day.

Many receive wages through Sberbank, an algorithm for transferring money ( additional expenses – 1%):

Open Sberbank-Online, select the Transfer to account section;
Next To accounts of other banking organizations;
Enter OTP details and personal information;
Specify how much to transfer;
Confirm - enter the SMS code.
You can set up automatic payment (for example, monthly five to six days before the scheduled date).

Commission fees for different payment methods. Is it possible to do without it?

Everyone chooses for themselves how best to pay off the debt, but in order to optimize the process, you need to weigh the following factors:

Commission size;
Period of money transfer;
Time or physical costs of finding places to deposit cash.

How to pay an OTP Bank loan without commission in 2020:

Online transactions within OTPbank;
Cash transfer via mail;
Self-service OTP devices.

Similarly, it is possible to repay the debt by credit card no interest for service.

The highest cost – from 3% – is charged for depositing cash through the cash desk of other financial institutions.

Zolotaya Korona, Svyaznoy, Rostelecom, Megafon, Eldorado, MVideo – 1%, min 50 ₽.;
Excelent - 0.95-1.4% (min. - 20-50 rubles);
Electronic money or Qiwi terminal – 1.6% (min – 100 ₽.).

OTPBank asks the borrower to use only verified payment channels https://www.otpbank.ru/retail/canalplateg/. After completing the payment, you need to check in your personal account whether it was credited on time.

OTP Bank is widely known to clients throughout Russia as financial institution, giving out various loans(mostly consumer). Currently, it has an extensive network of branches and is developing and improving remote functions.

Today, bank clients have access to a whole arsenal of options: repay credit debts, manage your accounts or track the movement of financial resources via the Internet. Let us dwell on the issue of paying for a loan at the presented banking institution. In the process, we will consider various methods and opportunities that will help you do this - both without commission and with it taken into account.

Read about the option to pay for an OTP Bank loan online through Sberbank.

Pay an OTP Bank loan via the Internet using an OTP bank card

OTP Bank can pay for a loan every client (individual or entity). The following methods are provided for this:

through an ATM of this institution or Internet banking;
through an ATM of any other bank;
through various terminals;
at the cash desks of any bank;
through payment systems (Qiwi, Yandex, etc.);
by Russian Post or through Rostelecom;
from mobile;
through online Sberbank or the Mobile Bank application, etc.

Some of the above methods require the presence of the client, others are available online (you can make payments via the Internet), and others do not even require an Internet connection.

Also, some loan payment methods do not require instructions, since the services are available as usual, and the process of making payments to a credit card from the bank does not require additional explanation. Next, we will consider methods that may raise questions among future or current bank clients.

Pay an OTP Bank loan via the Internet using a Sberbank bank card

Since Sberbank is the most popular and stable bank in the country, the availability of its cards among the population is quite expected. For this reason, one of the most common questions on the Internet is: is it possible to pay for a loan at OTP Bank with a Sberbank bank card, and, if so, how is this done?

First, you need to log in to the Sberbank website, select the desired section and enter payment information to transfer funds. Sberbank will not allow you to carry out a transaction without a commission; it charges from 1% for its services.

How to pay an OTP Bank loan online through Sberbank

This service is available to everyone who has connected Online Sberbank. It is enough to log in Personal Area and select a special function, indicate the desired option and enter the card number to which you want to transfer funds. It is possible to make payments automatic. One way or another, such a transaction cannot be carried out without a commission, and Sberbank will definitely charge a small percentage. He estimates his services at 1-2%.

Pay the loan using the OTP Bank agreement number

Is it possible to pay a loan online at OTP using the agreement number? First, you need to understand that the credit agreement number is just details that can be used to obtain any information the client is interested in, for example, a hotline will provide information about the balance status on a credit card. However, you cannot pay for a loan using these details in any bank (these details are not payment details).

Another question is the account number, which is indicated in the bank loan agreement. It can be used to make a payment. You can do this:

at any ATM;
through mobile operators (mainly MTS);
through various online services.

In each specified case, numbers are entered in the field for the credit card number bank account. And if every person encounters an ATM and understands the simplicity of the operation, then when transferring funds through a mobile bank, it is recommended to consider an example of making a payment amount:

login to mobile banking;
selecting the “repayment” section;
entering the account/card number and amount;
clicking on the “pay” button;
Waiting for an SMS with a confirmation code and entering the code.

The funds will be transferred within a few seconds. If there is a delay in payment, it is recommended to seek assistance at hotline and get advice on this issue. This method is similar to transferring funds through online services. In any case, the user will be required to register and further authorize in the system. Let us add that when using mobile banking, payment occurs without commission.

In most of the listed options, enter bank payment It won’t work without a commission, exceptions are ATMs, the official website and the Direct Internet service from the same bank. When choosing any method, it is recommended to activate the auto payment service.

Where to pay for an OTP Bank loan without commission

You can deposit without commission loan payments only through the services of OTP Bank itself: ATMs, payment of debt on a credit card by transfer from a debit card, via Internet banking or at the place of work through the accounting department.