OTP bank card where to withdraw without commission. Banks are partners of OTP Bank, where to withdraw money without commission

I use an OTP bank card, so to speak I cooperate with them. And I’ve been withdrawing money without interest for about seven years now. They also have quite a lot of partners with whom you can also work, well, how to work, just use it. But what kind of person nowadays would open several cards at the same time? No. That's why I settled on OTP and only take advantage of its benefits. I’m just wondering if my benefits can extend to my entire family? Or Does everyone have their own path in the history of the bank?

Once I needed to take out a loan from OTP Bank, and I got it quite quickly without any fuss. I have already paid off the loan and always kept payment receipts. As for obtaining a loan, OTP Bank is good, but I haven’t used its other services.

Several times we took out a loan for household appliances from OTP Bank, which is convenient, quickly processed and has a high percentage of loan approval. Of the minuses, in our entire city (more than 600 thousand population) there are only two places with ATMs of this bank and one branch. And this is the only bank that, when replenishing a credit card or depositing funds into a credit account, takes a commission at its own ATM (70 rubles). Despite the large number partner banks, in our city it is still not very convenient to use the services of this bank.

This is why there are partner banks, so that the bank does not spend money on installing its own ATMs. Well, what’s stopping you from withdrawing cash from an ATM of your partner’s bank? The commission is either the same as in ours or a little more. In a big city, there are also not many OTP Bank ATMs and nothing is normal.

Alexandra

Using OTP Bank is quite convenient and practical. When making purchases in the store, you can pay by card without commission. Also, more than once I have withdrawn funds from partner banks from a payment card without any additional commission. I am very pleased with the service from OTP Bank.

That’s right, you should always read the service agreement carefully (everything that is specified in the article is spelled out in the agreement). And you have fewer problems and fewer unpleasant surprises, and managers at the bank are doing their job instead of answering essentially the same questions. Everyone would carefully read the terms of cooperation - there would be fewer queues at the branches and employees would deal with really specific issues to which there are no direct answers.

In my opinion, all stores operate through OTP Bank, especially household appliance stores. We bought a TV and a laptop at a store where we received a loan through OTP Bank. We have already repaid the loan, and even overpaid a thousand rubles. Is it possible to return this money, or can I give up?

Do you currently have a valid account or OTP debit/credit card? In fact, client-oriented banks, without a separate request, I think, transfer surpluses to the current account. But if the money is stuck, then, of course, go to the branch, preferably to the main office (central branch) with all the papers and checks. You will probably have to write an application to transfer excess funds (that is, your money, not the bank) from the loan account to the current one. I'm not even sure that if you overpay, the loan account could be closed.

You can easily overpay, if, for example, you want to repay the loan ahead of schedule, I’ve been in such a situation myself, although the amount was a pittance, the bank transferred the balance to my personal account, all this can be solved. You go to a bank branch, there is a manager there, you explain the situation, he double-checks everything and makes an application for a refund. It's simple.

The overwhelming number of clients whose wages are transferred to a bank account or who simply replenish its balance in order to pay for services are interested in withdrawing funds without paying additional commissions.

Today, cash withdrawal from an OTP Bank card is carried out in several available ways.

Conditions for withdrawing cash from an OTP Bank credit card

Cashing out a credit card account at an ATM without paying a fee is possible only if certain conditions are met. Any device is suitable.

The main thing is that it is in good condition and carries out cash issuance operations. Clients are required to use the product in accordance with the existing conditions and limits that OTP Bank has.

A credit card implies a grace period during which no interest is charged on the card for using the credit limit. There is no charge for the production and maintenance of the card, so it is provided free of charge.

According to the bank's terms and conditions, clients do not pay a commission for withdrawing money from a credit card. Instead, the bank increases the interest rate specified in the agreement. Because of this, using credit cards from OTP Bank for clients is not particularly beneficial.

To find an ATM that allows you to withdraw money without paying a commission, you should pay attention to the addresses indicated on the bank’s official Internet portal. The website has a list of companies with information about where exactly they are installed.

Possible limits and restrictions

OTP Bank does not charge any fees for cash withdrawals. The management has established certain rules that relate to cash withdrawal operations from plastic cards.

It is important that these conditions are adjusted and supplemented depending on which product the client uses. For example, MasterCard Standard plastic is designed for the category of persons who, at the time of applying to the bank, are within the repayment limit of 18-25 years.

Owners of this product can withdraw no more than 50 thousand rubles from their account per day, while the monthly limit increases to 200 thousand rubles.

Ways to withdraw money from a credit card

If card users do not wish to pay fees for withdrawals, special attention should be paid to the following options:

• withdrawing money from a local ATM. They are usually installed in OTP bank offices;
• in machines located in branches that are official partners of OTP Bank.

Before using any method, the user must determine the type of card, since credit and debit cards are cashed differently.

In the second case, withdrawal of money is possible without paying additional commissions, but the client can withdraw money only at the bank’s office. Credit products are used on other grounds.

If the product has debit status, then it is possible to withdraw money without paying a commission, but this condition applies only to the personal savings of users. So withdrawing cash from an OTP Bank credit card A with a minimum commission, or without it at all, is carried out in the following banks:

• Savings Bank of Russia;
• Alfa Bank;
• VTB;
• MDM Bank;
• Raiffeisen and others.

The designated financial companies have a contractual relationship with each other, secured by an agreement, which states that in the event of charging a fee for the provision of services, the ATM must warn the client about the relevant rule in advance.

• a money transfer is made from one card account to another;
• withdrawals are made both in rubles and in foreign currencies operating in other republics;
• The client purchases goods from certain groups.

Before performing a transaction, the client should visit the bank office or contact a bank specialist via the hotline.

During the conversation, it is necessary to clarify the information on the plastic card, including the interest rate, the size of the commission and other equally important points.

Withdrawing money from a bank cash desk

Not everyone can cope with the work of modern technologies. An alternative option is to contact the nearest OTP Bank office. The main thing is that the client has his passport and the credit card with him.

The entire withdrawal operation will be handled by a bank specialist. Any amount of money is available for withdrawal. OTP Bank branches have special service areas, to which the OTP Bank product provides round-the-clock access.

OTP Bank does not provide any commission for cash withdrawals. Clients can withdraw funds through virtual wallets Webmany, Qiwi and Yandex. Money, and no commission is charged for the operation.

Replenishment of the electronic wallet occurs through a special section on the OTP Bank website “Electronic Money”. The client selects the appropriate provider, fills in the fields proposed by the system, and presses the “Run” button. Usually money is transferred within 5-20 minutes.

Check out bank offers

Cashback card in Rosbank

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• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

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• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Internet banking – free;
• Mobile banking is free.

More about the map

• Up to 7% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

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• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

Debit card from Alfa Bank

OTP Bank, formerly known as Investsberbank, has been operating for many years - since 1994. During this period, the institution has managed to become quite popular. Having a considerable client base, the bank has deployed its network of offices and payment terminals in the Russian Federation. Of course, as befits a serious organization, OTP has a partnership structure that allows users of this bank’s services to withdraw money almost everywhere (across Russia). Let's look at what OTP Bank's partners are, how they interact, and where you can cash out without commissions.

Among the first to enter into partnership with OTP were:

• Vanguard;
• Uniastrum;
• BinBank;

Already by the time of concluding mutually beneficial cooperation with these banks, OTP had significantly developed its potential to attract new clients. But the leaders of the organization did not stop there.

Unified settlement system

In 2010, OTP joined the ranks of participants in the United Settlement System. Moreover, the bank was one of the first to take such a step. OPC - a non-bank credit structure - led to the unification of all devices that were intended for cashing out money and carrying out payment transactions into an integral common system. And we are talking about ATMs of different banks.

Important! As soon as OTP joined the OPC, the bank acquired over a hundred partners - other banking institutions. Clients were able to withdraw their funds through terminals of partner banks without commission fees.

What other banks does OTP cooperate with? Here is a list of the most famous banking organizations that have become partners of OTP:

• Gazprombank;
• Tinkoff Bank;
• Oriental;
• RosEvroBank;
• Vneshprombank;
• Nautical;
• Transnational;
• Investment Bank;
• Doninvest;
• Rosbank;
• MTS Bank.

ODS has absorbed tens and tens of thousands of ATMs. The benefits here can be seen both for financial institutions and for clients. The former have to spend less money on distributing their payment terminals, while the latter do not need to look for the required ATM of a particular bank.

Important! The advantage of the system is that there is a preferential program for all participants: when withdrawing funds from the terminal of another bank - from the OPC structure - the user will pay a commission of no more than one percent. Cashing out wages and pensions was commission-free.

Payment service OPC

In 2016, the National Payment Card System began to function. This completed the work of the ORS. But the Bank of Russia almost immediately re-registered the OPC NPO as a payment operator - OPC Payment Service.

Then it was announced to both partners and users that the entire service arsenal, the set of services that had been created earlier, would be preserved and used in the format of a reborn payment organization. Plans were outlined for the introduction of more technologically advanced and economical terminals equipped with the Cash Recycling option, and the development of the latest modern services.

Important! Cash Recycling is a technology for cashing and receiving funds. It allows money deposited by one user to be available to another client.

While what is planned within the framework of the work of the ODS is being implemented, the banks that were previously part of it continue to work with partners. Visa and MasterCard systems have reduced the commission fee for withdrawals using non-native terminals. This led to the fact that the meaning of the functioning of the OPC in its previous version ceased to be relevant.

National payment card system

Today, the NSPK operates according to the functions that were previously implemented by the ORS. It is at a stage of development, implying a scale no less than that of its predecessor organization. Currently there are over 100 participating institutions in the NSPK. For this reason, it is enough to look at the list of these banks to understand which financial structures are partners of OTP Bank. Thus, finding ATMs without a commission to withdraw money in cash is not difficult. Although there are nuances here, read about them below.

The national system includes, among other things, well-known banks, such as:

• Bank Russia;
• Binbank;
• Vanguard;
• Alfa Bank;
• MTS-Bank;
• VTB 24;
• Sberbank;
• Raiffeisenbank.

In addition to these institutions, OTP cooperates with RRDB (All-Russian Regional Development Bank) and some other financial institutions. You can find out how to view the full list by visiting the NSPK website. There you will see the necessary contacts.

The operating conditions of the new system involve minimal commission fees when withdrawing funds using terminals other than your own bank. However, the interest rate and other circumstances may change.

Important! When cashing out funds, the user will see on the payment terminal screen information about the amount of payment for the transaction.

As a result, it is planned that the national system will replace all foreign ones, which today account for 85% of the total volume of non-cash payments in Russia. The main conditions for the work of the NSPK are security and independence. The development of this financial sector is modeled after the card market in China.

How to withdraw money from an OTP card?

Any OTP Bank card implies the ability to withdraw cash through a terminal (without interest, of course) and at the organization’s office. If we talk about third-party ATMs, there is a difference between servicing debit and credit cards.

Withdrawing funds from a salary card (debit) using a payment machine of another bank is associated with a commission determined by the plastic tariff plan.

In terms of credit cards, the situation is better: funds from OTP cards can be withdrawn both through “your” terminals and through third-party ones without commission fees.

There are also debit-credit cards: these allow you to withdraw your money interest-free from any ATM. But the speech is about withdrawal of funds.

Restrictions on cashing out

One-time withdrawal of money within the boundaries of the NSPK operation is not burdened with any limits. But banks - members of the system and OTP partners - may have their own conditions.

Some institutions support interest-free cash withdrawal only from debit cards. Other banks have restrictions on each one-time transaction: most often it is about 15,000, but the amount varies.

To understand exactly which ATM of which bank you can withdraw money from your OTP card without fees, call the hotline and ask the operator a question.

If you do not know which banks are included in the NSPK, pay attention to the stickers on the terminals. They often provide information about whether the bank that owns the device is a participant in the national system.

Website of the National Payment Card System

Non-cash payment transaction

When a bank client is faced with the need to withdraw funds, he looks for commission-free cash withdrawal options. The question in such situations is saving time and money. However, thanks to the presence of cashless payment systems in many shopping centers and stores, the problem of withdrawing money is no longer relevant.

The legislation excludes commission fees for non-cash transactions. Using the card you can pay for food, clothing, furniture products, household appliances, ordering in a cafe, taxi services, housing and communal services, etc. The plastic holder may not use cash at all.

OTP interacts with MasterCard. Now the bank already has pension cards from the MIR system in its arsenal.

Conclusion

As you can see, the structure and service of OTP Bank are large-scale. This financial organization has many partners thanks to the existence of the National Payment Card System.

Knowing the list of banks included in the NSPK, you understand who is OTP’s partner. This is the key to using your money even more comfortably. After all, the partnership makes it possible to withdraw cash either without interest or with a minimum commission through the terminals of other banking organizations.

Despite such opportunities, you should not forget about the cashless payment function, which, in addition to convenience and the absence of interest on the transaction, offers various bonus programs.

In contact with

Most clients who receive wages into a bank account or simply top up their card periodically to pay for certain services are interested in the issue of withdrawing money without paying additional charges.

After all, not everyone wants to pay extra for receiving their own funds.

Therefore, most banks have long changed their policies towards their clients and most tariff packages include the service of interest-free withdrawal of money from debit cards.

Withdrawing money through a cash register

For clients who cannot cope with the use of an ATM, there is an excellent option where you can withdraw money from an OTP Bank card without a commission - contact the nearest bank branch.

Each branch has a cash register where the client can make a payment using the specified details, withdraw or deposit money into an account, or pay for various services.

You only need to have a card and passport with you for identification.

There are also ATMs installed in each branch, which customers can use if there are queues at the cash desk.

For customer convenience, some branches have special self-service areas that are available even after the bank is closed. Access to them is provided using a plastic card of an OTP Bank client.

Withdrawing funds through an OTP ATM

You can withdraw money from a plastic card at any of the OTP Bank ATMs without commission.

Thanks to its wide customer service area, their number is increasing every day and you can receive your money at any convenient time in almost any city in Russia.

A large number of ATMs makes it possible to reduce the queue at the cash desk of a bank branch, because people try to look for the nearest ATMs and cash out their money there.

Most ATMs do not charge additional fees for withdrawing your own money, but they may apply in cases where credit funds are withdrawn.

In this case, the standard interest rate for withdrawal is charged (may vary depending on the tariff plan), which is 3.9% of the withdrawal amount. But at the same time, for each operation you will have to pay at least 350 rubles in commission.

ATM locations

To make it convenient for customers to search for ATMs, a special service was created that will show all terminals, ATMs and branches of OTP Bank on an up-to-date map of the city.

To use it, you will need to go to the bank’s official website and select the “ATMs and branches” section from the main menu. But before that, it is very important that the site correctly determines your location. The city that was automatically determined by the site will be displayed next to the button.

For some reasons, it does not always coincide with the present, and if this happens, then simply click on the name of the city and select the one in which you are located from the list.

After that, click on the button and a current map of the city will open with marked ATMs, branches and self-service terminals.

The service also has a special indicator that will show the current workload of branches. This helps many clients evaluate their time and know exactly whether it is worth contacting the bank at the moment.

Can I withdraw money from other ATMs?

Yes, you can cash out your funds through other ATMs, only in this case the client will be charged an additional fee for using the services of a third-party bank. But to solve this problem, banks enter into partnership agreements with each other.

According to such documents, the bank must serve the client of the partner bank on the same terms as its own client.

We can say that you can withdraw money from your plastic card at a partner’s ATM under the same conditions as when using a standard OTP ATM.

Since OTP has joined the United Settlement System, you can withdraw money without paying additional interest at any ATM that is marked with a special sign indicating that the ATM belongs to this group.

They are usually located in large shopping centers, airports, hotels and other similar places.

But even in addition to cooperation within the framework of the United Settlement System, OTP Bank signed partnership agreements with such banks as Avangard and Uniastrum. The current list of ATMs of OTP Bank partners without commission can be found on the official website or from a consultant at a bank branch.

It is worth noting that you can even repay loan obligations through partner ATMs without additional fees.

This can be done either by transfer from another card or by simply depositing cash. Only in this case the ATM must be equipped with bill acceptors.

Check out bank offers

Cashback card in Rosbank

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More about the map

• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

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• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Internet banking – free;
• Mobile banking is free.

More about the map

• Up to 7% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

Apply for a card

More about the map

• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

Debit card from Alfa Bank

Did you know that you can use credit funds without paying interest? Below we will describe in detail how this can be done.

Activate your card for free now, even if you do not need a loan. As long as you don't use the card, you don't pay anything - no fees, no interest. But when you need money, you can get it at any time!

INTRODUCING THE MAP

How and why to activate the card?

For security reasons, your card has not yet been activated - you cannot make purchases with it. Call 8-800-200-70-02 (toll-free within Russia) and follow the operator's instructions - your credit card will be activated, after which you will be asked to create a PIN code. Activating the card is free - no interest is charged and no fees are charged if you do not use credit funds.

8-800-200-70-02

free card activation

How to get a PIN code?

Immediately after activating the card by phone, stay on the line; you will be asked to come up with your PIN code or create it automatically. A PIN is needed to confirm some card transactions, such as cash withdrawals from ATMs. You can also receive a PIN code later by calling 8-800-200-70-01 (calls within Russia are free).

8-800-200-70-01

free PIN code creation

What information is on the map?

• Card number
• Card expiry date. You can pay with the card until the end of its validity period (until the last day of the month and year indicated on it). Upon expiration, the card may be reissued.
• Cardholder's first and last name
• Payment system logo
• Magnetic strip. Protect from damage and demagnetization!
• Place for the card holder's signature. Place your signature here - without it the card is invalid!
• CVC code (CVV code) is a three-digit payment confirmation code. Used as a security element when paying via the Internet, by mail or by telephone.

How to pay by card in a store or online?

When paying by card, the buyer is not charged a commission - the exact amount of the check is debited from the card. VISA and MasterCard payment systems are accepted for payment worldwide. It is more profitable to pay by card rather than withdraw cash - the interest on the loan will be lower. And for non-cash purchases there is a grace period of up to 55 days, when no interest is charged on the loan.

Payment by card in a store, hotel, gas station, etc.

You will need to give the card to the cashier or swipe it through the payment terminal yourself. The terminal may request a PIN code. It will take less than a minute, and you won't have to count out the required amount and wait for change!

Payment by card in a cafe or restaurant

If the cafe accepts cards, then after receiving the bill you simply give the card to the waiter and he will carry out the transaction. You may also need to confirm it with a PIN code.

Payment by card on the Internet

In a special payment form on the site where you buy the goods, you need to enter your card details:

The amount indicated by the site will be written off. Be careful when paying by card online!

How to withdraw cash?

There are two ways to withdraw cash:

1. At any ATM (in Russia and abroad) where you will see the VISA or MasterCard logo. To withdraw cash from an ATM, you must enter a PIN code.
2. At bank cash desks. You will need to have your card and passport with you.

When withdrawing cash, a commission is charged - see its amount in OTP Bank's tariffs for servicing individuals. Also, a third-party bank, for example, abroad, may also commission a commission when cashing out funds. It’s also worth asking about this in advance at the bank where you plan to withdraw money.

The grace period does not apply to cash withdrawals.

How can I find out the amount of debt, the date of making the minimum payment and the end of the grace period? How can I view card transactions?

Our online banking, mobile banking and SMS banking are at your service. You can read more about them in the “Online Services” section.

IMPORTANT INFORMATION

What is a credit limit? What is my limit?

The credit limit is the maximum amount that the bank can lend you. You pay by card and make purchases using your credit limit. As the money spent and accrued interest are returned to the bank, your credit limit is restored and you can spend the funds again.

You can find out your credit limit, how much of it you have used and how much now, in the Internet bank, in the OTPdirect mobile application or by calling the toll-free helpline number: 8-800-200-70-01.

What is interest on cash withdrawals and non-cash transactions? How is it calculated?

The main purpose of a credit card is cashless payment for purchases and services. That is, this is payment for goods and services with a credit card, not cash. However, you can withdraw funds from your credit card at ATMs of any banks that accept VISA/MasterCard. Remember that the interest on the loan when withdrawing cash from the card is usually higher than the interest accrued when paying non-cash. In addition, a fee may apply when withdrawing funds from the card.

An important nuance: when you pay with a credit card, you can use a grace period for 55 days and not pay interest to the bank, and the grace period does not apply to cash withdrawals.

You can find out the amount of accrued interest and fees charged in the tariffs for your card, as well as in OTP Bank’s tariffs for servicing individuals.

What is the grace period of the loan?

OTP Bank credit cards have a grace period of up to 55 days. If you repay the debt before the end of the grace period, the bank will not charge interest on the loan for purchases paid with the card. To take advantage of the grace period, follow a simple procedure:

1. Make cashless purchases using your card
2. Receive an invoice statement or go to OTPdirect
3. Deposit the entire amount indicated in the “Graceful period of lending” section before the date indicated there
4. Don't pay interest on your loan!

The grace period is valid only for non-cash purchases, i.e. paid by card in shops, restaurants, etc. The grace period does not apply to other transactions, including cash withdrawals.

What is the minimum payment?

The monthly minimum payment is the minimum amount required to pay off the loan if you have credit card debt. You can pay off the loan by making minimum payments or a larger amount at your discretion. The payment amount in rubles changes every month depending on the amount of the total debt. How the minimum payment is calculated is specified in your rates. You can choose whether to use the grace period or pay off the debt in installments.

LOAN REPAYMENT

How and how much should I pay?

If you have not used the card yet (i.e. you have no debt), then you will not have any obligations to the bank. There are no fees for using the card or SMS notifications.

If you have already used credit funds, you will need to repay the debt in a timely manner:

• make payments no less than the minimum. The exact payment amount will be indicated on your invoice statement each month.
• The money must be in your account no later than the date established by the statement.

If you have questions about the repayment procedure, call the help desk and bank employees will tell you everything in detail.