Paper money is gradually becoming a thing of the past, for financial transactions people are increasingly choosing cashless payments. Purchasing goods in online stores, shopping at retail outlets and even paying for travel - today one bank card replaces a whole wallet. For both credit and debit cards, each bank defines different tariff conditions and bonuses: service cost, cashback, interest on the balance, cash withdrawal limit and much more. The OTP Bank debit card offers a number of advantages for its owner. We will review the tariff conditions for OTP bank debit cards.
Information about OTP Bank
The Russian branch of OTP Bank is part of the international group OTP Group. It is one of the key representatives of the financial market of the European continent. Russian OTP Bank is among the 50 largest banks in the country and has about 4 million customers. There are branches in almost 4 thousand settlements in Russia, so finding an ATM is not difficult.
Withdrawal limit by type of debit card
There are two types of OTP Bank debit card: profitable and classic. Using the first, you can receive cash income in the form of interest on the balance of the account. The principle is the same as that of a conventional deposit, but the client always has the money, he can receive it and dispose of it at any time. For the balance of funds on the card of the second type, classic, no interest is charged. Consider the terms of OTP Bank debit cards, four products are offered to customers.
- MasterCard Standard is designed specifically for young people aged 18 to 25. The card is available only for clients of this age category (at the time of applying to the bank). MasterCard Standard allows you to store and use money in rubles, the annual service is free. The limit for withdrawing cash from an OTP bank debit card: up to 50 thousand rubles per day and up to 200 thousand per month.
- For those who like to travel to different countries, OTP Bank recommends MasterCard Standard currency. A special condition of the OTP bank debit card is that it can store US dollars or euros. This option will allow you to significantly save on conversion: the money in the account is stored immediately in foreign currency, there is no need to recalculate rubles at the current exchange rate, and also declare them when leaving the country. You can pay with an OTP Bank debit card anywhere in the world. The maintenance fee is $20 or Euro (depending on the chosen currency) per year. Cash withdrawal limit: up to 1,000 USD/EUR per day and up to 6,500 per month.
- Profitable card MasterCard Gold allows you to accumulate up to 7.5% per annum for the balance of the account. In addition to interest on the balance, the owner has access to all the privileges of a MasterCard gold card holder: discounts and special offers around the world. For example, access to the business lounge of Sheremetyevo Airport or movie tickets. The cost of maintenance is 1788 rubles per year (149 per month). Restriction on cash withdrawal from an OTP Bank debit card: up to 90 thousand rubles per day and up to 500 thousand per month.
- With MasterCard Unembossed, you can earn up to 7% on your account balance. Issue fee - 99 rubles, for a year of service - 588 rubles (democratic 49 per month). The limit for withdrawing cash from an OTP bank debit card: up to 50 thousand rubles per day, up to 300 thousand rubles per month.
The interest on the account balance is determined depending on the smallest amount that was on the card during one calendar month. For amounts up to 30 thousand rubles, only 1% per annum is charged. To get the maximum interest rate on the card, you need to have 100-200 thousand rubles every month at least. These cards are perfect for those who keep large sums on the card and do not use them for a long time. Cashback on OTP Bank debit cards is not credited.
Conditions for obtaining and requirements for the client
To apply for a debit card at OTP Bank, you only need a passport. Requirements for the client - age from 18 years. You can control the funds on your account free of charge through the OTPdirect Internet bank both from a computer and from a phone - a special application has been developed. For all tariffs, the service of informing via SMS messages is available for 49 rubles per month.
It is impossible to issue an OTP bank debit card online, but on the website you can read more about the tariffs and conditions, find out the address of the nearest branch, and also contact the manager: https://www.otpbank.ru.
Conclusion
Each OTP bank debit card has its own advantages, conditions and cash withdrawal limits, the choice depends on the individual situation of the client. Cards are serviced at all ATMs connected to international systems MasterCard and Visa.
Banking products have taken root in the life of almost every modern person. For example, cards are a very convenient means of non-cash payments, and their debit varieties are especially popular. Naturally, before making a specific option, a potential client needs to take into account the main points, which are sometimes quite a lot.
Definition
So, a banking organization issues a payment plastic card intended for settlements at the expense of funds belonging to the client. Their person places on this account independently, the amount that he has.
Debit card Profitable Gold OTP Bank is a piece of plastic measuring 85.6 × 53.98 mm. Some FIs offer to get it in a different format, for example, one that can be built into a keychain and carried with you at all times. Both registered and unnamed instruments of various systems (Visa, MasterCard, MIR) are issued.
Cards of any type in the Russian Federation are equipped with special chips for data storage. Some of them also have a magnetic strip to match older devices.
How to make a choice
Financial institutions offer a variety of products to potential customers, and it is not so easy to understand such a wide range. What points you should definitely pay attention to:
- cashback;
- interest on the balance;
- the cost of annual maintenance;
- issuing bank;
- methods of depositing and withdrawing cash;
- the amount of commission fees;
- the availability of an overdraft, the conditions for it;
- the ability to create an individual design of plastic.
What are the advantages
Profitable Gold card of OTP Bank is a profitable and convenient tool for paying for everything that its owner needs. This product has many advantages:
- Additional savings due to various options.
- Increased security.
- Convenience of paying for purchases in online stores.
- Even greater privileges for those who choose VIP plastic.
- The ability to receive cash and make payments anywhere in the world.
- Quality and affordable service.
About Usage
To make a payment in a store, it is enough to insert the card into the terminal or bring it to the reader (contactless payment). To make paying even more convenient, you can link the instrument to a mobile payment system.
In online stores, on the corresponding page, the required details are indicated and, if necessary, a one-time password from SMS is entered.
Cash is withdrawn from ATMs and cash desks. In this case, the client specifies a PIN, and then follows the prompts of the device or operator.
Parameters for various available products are conveniently displayed on one page. The user sees all the information and can immediately compare them to highlight suitable options. The necessary calculations are carried out on the online calculator, located right there. After completing the search, the site visitor presses the "Online Application" button and proceeds to fill out the form.
Updated 10/22/2018.
The Hungarian OTP Group has been trying to promote a remote banking project under the Touch Bank brand for three years, but Tachka has not been able to turn a profit. As a result, it was decided to close this line of business, although during this time it was possible to attract more than 200,000 customers:
If the minimum balance for a calendar month did not fall below 10,000 rubles, then 6.5% per annum is set on the balance from 10,000 to 600,000 rubles, if it fell, then only 0.1%:
Since it is the calendar month that is taken into account when determining the percentage, it is unrealistic to get 6.5% on the balance in the month of receiving the card. at the beginning of the month, you simply could not maintain a balance of 10,000 rubles, because you did not have a card yet.
The Clear Card has no interest on the balance; as an alternative, you can use a savings account, as of August 11, 2018, for a balance of 5,000.01 to 100,000 rubles. 5% per annum is charged, on the balance from 100,000.01 - 5.5% per annum:
UPD: 08/31/2018
On August 31, OTP Bank paid interest on the card balance for former Touch Bank clients, and now we can say with confidence that if the whole month on the card account was from 10,000 rubles. and above, then the interest is charged on the daily balance, and not on the minimum for the month:
Former Touch Bank customers can open a special savings account at the OTP branch at the “Welcome” tariff, it accrues 6% per annum on the balance of 5000.01:
4 Free C2C top-up.
"OTP" allows you to replenish many of your cards from cards of other banks through the service on the site without a commission ("Clear" and "All at once" among them). The limit for one transfer is 140,000 rubles, monthly - 300,000 rubles:
Some customers were brought cards with tariffs that did not assume the original one, but then they got such an opportunity:
It is important that during C2C replenishment, money is not immediately credited to the account, the operation hangs in hold, i.e. No interest will be charged on the balance for this amount at this time. You can make purchases right away, OTP Bank does not have a fine for technical oversight.
In addition to C2C, OTP Bank cards can be replenished at their own ATMs. But for some reason, a commission is set for replenishing the card in the OTP terminals:
There is no commission for the incoming interbank (it is better to send the interbank from).
5 Withdrawing cash from other people's ATMs without commission.
A debit card with a credit limit (“All at once” tariff) has the ability to withdraw 45,000 rubles per day from third-party ATMs without commission. In the tariffs, however, this possibility is described rather crookedly, it simply states that 45,000 rubles. - this is the withdrawal limit per day, and the commission is not prescribed at all.
In practice, it has been verified that it is possible to withdraw cash from OTP cards issued to Touch Bank customers at other people's ATMs without commission.
The Clear Card has a higher cash limit - 300,000 rubles. Leveraged cash withdrawal is a non-preferential transaction, interest will immediately begin to accrue on it.
6 Free donor.
Important: in the presence of overdue debt, cashback is not paid.
9 Google Pay support.
Recently, Gpay technology has become available to OTP Bank customers, but Apple Pay and Samsung Pay are not yet available.
OTP Bank card for Touch Bank clients. Flaws
1 They take the card for a long time.
The delivery of the OTP Bank card cannot be called prompt, when making an application, Marinka promises that the card will be delivered within 2 weeks, in practice this period can stretch for a month or even more.
2 Not a remote bank.
It is surprising that Touch Bank was a product of OTP Bank, there is no hint of high-quality remote service here. Most issues are resolved only through the branch.
It would be logical to simply transfer the code word from the Touch Bank card, but no, to set the code word for the new OTP cards, you still have to come to the bank "for security purposes":
Without a code word, it will not be possible to carry out most operations on the hotline, and without it it is impossible to connect the possibility of making payments and transfers through the Internet bank. The option of opening deposits through the Internet bank is also connected only at the branch.
Remotely closing the OTP Bank card, unlike the Cars, will not work:
Appearance and functionality of the mobile application and Internet banking from the last century:
3 Compulsory consent to additional services.
When issuing a card, the courier gives a very voluminous document for signing, in which checkboxes are marked for consent to connect SMS informing (paid when using a credit limit), to transfer personal data to many offices, to spam, to receive bank cards by mail, and also to close the current Touch Bank card with a zero balance on it:
Moreover, the courier simply will not issue the card if you cross out the consent box at some point:
4 No free interbank.
Unlike Touch Bank, OTP Bank does not. Transfer to another credit institution through the Internet bank will cost 0.5%, minimum 30 rubles, maximum 300 rubles:
5 Paid statement by mail.
By default, it is set that the statement comes by regular mail in paper form, if there is a debt, this service is paid, it costs 59 rubles.
In order to receive an extract by e-mail, you will need to give a code word on the hotline, for which you need to go to the department.
6 It is difficult to talk to a live operator on the hotline.
If you just call the hotline, you can lose a lot of time listening to the robot, live Marinka connects to the conversation only with an unobvious combination of buttons. Users have found that the fastest way to access a live person is to select Change PIN.
7 Limits cannot be set.
It is not possible to set individual limits for various transactions in the Internet Bank, for example, prohibit cash withdrawals from ATMs or limit the amount of purchases per day/month.
8 Use of the anti-money laundering law (115-FZ).
On the network you can find reviews from legal entities and individual entrepreneurs whose accounts are blocked by OTP Bank under formal pretexts, extorting an increased commission:
Conclusion
In general, OTP Bank got a very good offer (especially since the issue and maintenance of the card, as well as SMS informing are free), but still not outstanding.
6.5% on the balance, and even with the condition of a minimum balance of 10,000 rubles. - by today's standards, not the best offer, for example, if you have 5 any purchases per month - 7.5% per annum, if you have at least 5 purchases for a total amount of 10,000 rubles. also 7.5%.
3% cashback on your favorite category (one of which is “Supermarkets”) will be quite useful, the card is also suitable for large purchases in those categories that are not covered by other cards. Let me remind you that when paying with a smartphone until 12/31/2018, a 12% cashback is provided in partner stores and 3% in all others.
The presence of free replenishment from cards of other banks, as well as the possibility of commission-free cash withdrawals at third-party ATMs, make the card more versatile.
In general, I received such a card, just in case, let it lie down until the worst of better times. True, if there was no bank branch in my city, then I would have thought a hundred times before agreeing to it. After all, OTP is not a remote bank at all, it will not work to solve any problem remotely or simply close the card.
I hope my article was useful to you, write about all the clarifications and additions in the comments.
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OTP Bank has only 4 debit products (for travelers, GOLD, youth), but our attention was drawn to the Unembossed profitable card of the Mastercard payment system. Acceptable conditions for interest on the balance of the account, the absence of issuance fees and annual maintenance have made plastic a very convenient payment instrument in the hands of any owner.
Internet bank upon receipt of profitable plastic
Each owner of an OTP bank debit card has access to OTP-Direct Internet banking, SMS banking, SMS service and a mobile application for modern smartphones.
You can use the Internet Bank absolutely free of charge, there is no connection fee. To use the service, you need to visit a bank branch and conclude a remote banking service agreement. After that, the employee will issue a login to enter the system, and an SMS message with a temporary password will be sent to the phone number specified in the application for issuing and servicing the card.
Having received all the passwords and appearances, you can enter the OTPdirect Internet bank from the official website on the Internet. When you first log in, the system will prompt you to change your password, be sure to change it to a new one.
More than 100 transactions can be performed in the OTP Internet Bank (payment for utility services, mobile communications, payments on loan obligations, transfers to accounts and cards of other banks, and much more).
Owners of smartphones on IOS or Android can download the Mobile Bank application, which offers the same functions as in standard Internet banking.
SMS banking is another convenient service for owners of any phones. To find out the balance on the card, get a list of recent transactions, block the card, etc. it is enough to send a short command in the form of an SMS message to number 5927. The cost of one message is determined by the tariffs of the mobile operator, no additional fee is charged.
Moreover, you can connect SMS informing to always stay up to date with the latest card transactions. The service will cost the owner 59 rubles a monthly commission.
Transfer to an OTP-bank card - where can I find the details?
Most transfers can be made knowing only the recipient's card number. You can see it on the front side of the plastic, it consists of 16 or 18 digits, respectively. If you need to find out the account number to which the card is linked, just send a short SMS to 5927 with the following content: REKV "space" 1234** (where ** are the last 4 digits of your card). You can also find out the account number in the Internet bank, mobile application or by calling the customer hotline.
Information such as BIC, corr. account, TIN of the bank can be clarified on the official website in the section "About the bank" - "Details".
Bonuses and features
The main and only bonus of a debit card from OTP Bank is the accrual of interest on the account balance.
The interest rate is determined on the last calendar day of the month and is set depending on the minimum balance that was on the client's account during the calendar month for which the interest is paid (the minimum balance is determined at the beginning of each business day).
Cons of debiting from OTP
Profitable debit card of OTP Bank is a very interesting payment instrument that allows you to save money on the absence of annual maintenance and issue fees, as well as make good money on interest accrual. However, in order to get the maximum benefit, you must always keep a fairly large fireproof amount on the card. For some, this can be a significant disadvantage. But in general, the card has no drawbacks, even the commission for transactions at third-party ATMs is small.
Portal "YaKapitalist" analyzed the credit cards of OTP-bank. If you are interested in the conditions and rates, we invite you to familiarize yourself with the offers of this financial institution.
OTP-Bank announced itself not so long ago. But now it positions itself in 6th place among Russian banks in terms of issued credit cards. If we evaluate the quantity and quality of products offering the use of borrowed funds from the bank, then they are inferior to many others. For example, OTP-bank does not have targeted credit cards, and also does not provide options for accruing cashback and bonus points.
But, any OTP-Bank credit card boasts a decent interest rate. Next, we will take a closer look at OTP products.
Types of OTP-bank credit cards
Only two types of credit cards are presented on the official website of the bank:
- MasterCard Standard;
- Master Card Gold.
Diversity is achieved due to the difference in offers to customer categories:
- an ordinary client "from the street" - issuance only by passport;
- an ordinary client "from the street" - issuance of a full package of documents;
- employees of accredited companies - issuance only by passport;
- employees of accredited companies - issuance of a full package of documents;
- "salary" clients - only by passport;
- bank borrowers - only by passport.
OTP-bank credit cards - issuance conditions
The credit limit is set by the bank individually for each applicant. The maximum amount of borrowed funds cannot exceed 1,500,000 rubles for ordinary customers, bank borrowers and 300,000 for employees of "salary" and accredited enterprises. The minimum loan amount is 10,000 rubles.
The grace period for interest-free use of funds is 55 days.
The table below shows credit rates separated by dashes. For non-cash use of a credit card - the minimum rate, for cash withdrawals - the maximum. Consider this!
Issuance schemes
1. Simplified scheme - only by passport.
A great option for those who do not like to collect documents. Present your passport and get a card. But for simplicity, you will have to pay more at 5.9% per annum (for ordinary customers). If you receive wages at OTP Bank or have already borrowed funds, then you will be given a credit card on your passport on more favorable terms.
2. By providing a package of documents.
Would you like to pay less? Take the trouble to collect a few basic documents to give the bank a guarantee of your solvency. If you look closely, the list is not that big.
Clients "from the street" provide:
- passport;
- a copy of the work book certified at work;
- certificate 2-NDFL;
- for men under 27 years old - a military ID;
- one more document of your choice: a foreign passport, TIN certificate; driver's license, SNILS, identity card for a military or police officer.
Employees of accredited companies must present:
- passport;
- TIN certificate;
- one more document of your choice: a copy of the work book certified at the enterprise, a certificate of income f 2-NDFL or in the form of a bank.
| MasterCard Standart | MasterCard Gold | |||||
|---|---|---|---|---|---|---|
| Credit rate (annual) | Daily limit (in rubles) | Annual service (in rubles) | Credit rate (annual) | Daily limit (in rubles) | ||
| Ordinary client "from the street" | 600 per year | 24-37% - 1 document each | 5,000 with a passport 50,000 for a full package of documents | 1 800 per year | 24-37% - 1 document each 29.9-43.9% - according to the package of documents | 10,000 with a passport 100,000 for a full package of documents |
| Employee of an accredited company | 1st year - free | 23.9-39.9% - 1 document each | 45 000 | 1st year - free | 23.9-39.9% - 1 document each 29.9-39.9% - according to the package of documents | 45 000 |
| A client receiving a salary at OTP Bank | 1st year - free of charge; further - 900 per year | 23,9-39,9% | 45 000 | 1st year - free | 23,9-39,9% | 45 000 |
| bank borrower | No | No | No | 1st year - free of charge; further - 700 per year | 19,9-39,9% | 10 000 |
Credit card MasterCard Standart OTP-bank
Anyone can apply for an OTP-bank credit card on general terms. To do this, he needs to contact one of the bank's offices or send an application on the website. All you need is a passport to get it. If he provides a package of documents confirming a stable income, then the rate will be significantly reduced. The bank reserves the right to refuse a client without giving reasons, remember this.
Employees of accredited companies can also choose at what interest rate to issue a credit card. True, the difference with ordinary clients will be only 0.1% when processing a package of documents. But the annual service will be free in the first year and 1.5 times more expensive from the second year. The credit limit is limited - a maximum of 300,000 rubles.
Employees of OTP-Bank's "salary" projects, as well as everyone transferring salaries to its accounts, will only need to provide a passport. At the same time, the credit rate will be significantly lower than the standard. The limit is limited to 300,000 rubles. The first year of servicing the card will be free, and then you will have to pay an additional 900 rubles a year. As a savings on paying a commission, you can offer the following scheme: fully repay the loan, return the card, and issue a new one next year.
