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 drawback. But in general, the card has no drawbacks, even the commission for transactions at third-party ATMs is small.
OTP Bank JSC is the largest financial organization operating in Central and Eastern Europe.
In Russia, branches of OTP Bank provide domestic consumers with a variety of financial, insurance and investment services.
One of the most relevant products that are particularly popular with OTP Bank are credit cards and debit cards.
In order to get acquainted with the list of cards offered for use, you need to go to the official website of OTP Bank.
On the main page of the site will be presented different departments of information, one of which is called "Bank cards"
After moving to the department you are interested in, several more points “Credit” and “Debit” cards open, where all the necessary information regarding OTP Bank bank cards is offered.
The main advantage of the “Home Card”, on which the bank places special emphasis, is cashback, or in other words, the return of money to the account after reproducing the payment in the store.
The amount of cashback is 3% of the total amount of your purchase.
Important! This service works automatically, without connecting additional options and services.
- You pay with a "Home" card in any grocery stores;
- OTP Bank returns money to your account in the amount of 3% of the total cost of products;
- the total refund can reach several thousand rubles per month.
Basic information on the "Home Card" tariff:
1. The amount of the credit limit is 10,000-300,000 rubles, the amount is determined by OTP Bank on an individual basis.
2. Credit rate for payment of 24.9% per annum (based on the amount of the allocated loan, paid during the billing period of using the card).
3. For other services, including withdrawal of funds from the card, the credit rate is 49.9% per annum.
4. The grace period for interest-free repayment of debt on a loan is 55 days.
5. At the end of the grace period, the minimum monthly payment is 5% of the amount of the credit limit (minimum amount is 500 rubles).
The first year, the card is serviced by the bank free of charge.
But, from the second year, the service becomes paid, the amount of service is 1600 rubles per month (annual service fee is charged once a year on the day the card was activated).
6. Penalty for missing the monthly minimum payment at the end of the grace period - 20% per annum.
"Home card" has excellent functionality, which is convenient to control through a special application "OTPdirect".
- provision of a Russian passport;
- citizenship of the Russian Federation;
- age from 21 to 68 years;
This card can be issued only at OTP Bank branches, where a banking services specialist will help you choose the most favorable conditions for the client.
This credit card is designed for active users of bank cards who like to make purchases through cashless payments.
OTP Bank allows each user of the Lightning card to set up their personal cashback income in the amount of 1.5% from each purchase.
The main advantages of the credit card "Lightning":
A welcome bonus of 300 rubles when making a one-time purchase in excess of 2,000 rubles within 30 days from the date of purchase of the card.
1. Free annual service.
2. 19.9% per annum with timely repayment of debt on the loan for six months.
3. Replenishment through online OTP banking - free of charge;
4. Grace period for interest-free repayment of loan debt is 55 days.
5. Cost control through a special application "OTPdirect".
6. 7% per annum - income on the balance of own funds.
7. Up to 30% discount from partners of the Mastercard program.
Mandatory requirements for the recipient of the card:
- provision of a Russian passport;
- citizenship of the Russian Federation;
- age from 21 to 68 years;
- continuous work experience at the last place of work - 3 months;
- registration on the territory of the Russian Federation and actual residence in the region where the card was issued.
This card can also be issued only at OTP Bank branches in person.
Credit card "Clear"
This card is a special form of concessional lending for people who are used to making necessary purchases without waiting for the “best” time.
It allows you to use credit card funds in the absence of any interest from the bank, subject to timely repayment of the loan debt in accordance with the grace period of 55 days.
Additional benefits of an understandable OTP Bank credit card:
1. The card can be used as an electronic wallet to make an online payment in an online store.
2. Loan limit up to 1,500,000 rubles.
3. The interest rate depends on the amount of the loan and the terms of its repayment.
4. All information on your card can be obtained through OTP online banking, OTPdirect service, SMS informing and round-the-clock support of OTP Bank.
5. If the card is lost, you can block it by calling the hotline and reporting the loss.
6. You can withdraw cash from a large number of ATMs around the world, without additional commission.
7. Pay for a product or service anywhere in the world.
When applying for an understandable OTP Bank credit card, it is enough to have a passport with you.
This card also has the NasterCard Gold format for payroll or other clients of OTP Bank.
A very convenient option for those who are not sitting still. This card allows you to pay your bills from anywhere in the world. Also, the card has a convenient accumulative functionality.
Basic conditions of the Mastercard Gold card:
- 7.5% per annum on the balance of personal funds on the current account;
- international level of Mastercard payment system;
- control of expenses through a special application OTPdirect;
- SMS notification - 59 rubles per month;
- release is free;
- the cost of monthly maintenance - 149 rubles;
- validity period is three years.
The card can be issued to a person who has reached the age of 18 upon presentation of a passport.
Another very convenient option for those who like to travel.
Mastercard Unembossed has the following benefits:
- up to 7% per annum on the balance of personal funds on the dawn of the account;
- the cost of annual maintenance - 588 rubles;
- the cost of issuing a card is 99 rubles;
- card validity period - 3 years,
- SMS informing.
Cost control can be controlled through a special OTPdirect application.
Map World "Happy Time"
This card is an excellent solution for the domestic consumer. Meets all international standards and does not depend on external economic factors.
The Mir card is convenient not only for payroll clients, but also for pensioners.
Terms of the tariff plan of the World card "Happy time":
- free card issue;
- the validity of the card is 3 years;
- free SMS-informing service;
- free service during the year;
- up to 6% per annum on the balance on a personal account.
Very beneficial for pensioners receiving pension contributions through OTP Bank.
Debit card MasterCard Standart "Youth"
This debit card is an economical solution for students.
Important! Registration is available only for persons from 18 to 25 years old inclusive.
Additional information on the tariff plan "Youth" card:
- maintenance of the card during the year is free of charge;
- SMS informing service - 59 rubles per month;
- the validity of the card is 3 years.
Debit card MasterCard Standart "For travelers"
OTP Bank offers a currency card "For travelers", which is designed for making money transactions abroad.
The main difference of this card is the currency account (dollars/euro).
Additional terms:
- the cost of annual maintenance - 20 $ / 20 €;
- card issuance is free of charge;
- SMS informing service – 2$/2€ monthly;
- the validity of the card is 3 years.
Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. Federal Law of July 27, 2006 N 152-FZ "On Personal Data" is not violated.
A debit bank card is a convenient payment instrument that allows you to carry out a wide range of financial transactions. Its main advantage is that it replaces cash, which is not always convenient and safe to carry around (for example, if you are planning to make a large purchase). In this article, we will consider what types of debit cards are offered by OTP Bank, one of the leaders in financial services not only in Russia, but also in Europe.
Types of debit cards
OTP Bank products are very popular among Russians. The financial institution offers its clients to issue several types of plastic. The current conditions and tariffs are considered in the table below:
| Name | Currency | The amount of interest charged on the balance of funds | Maintenance cost per month | Peculiarities |
|---|---|---|---|---|
| MasterCard Gold | Rubles | 0.065 | 149 rubles | For customers who plan to use plastic not only in Russia, but also abroad. |
| MasterCard Unembossed | Rubles | 5,5% | 49 rubles | Suitable for those who want to receive income from the deposit without overpaying. |
| MasterCard Standard in currency | dollars or euros | Not provided | 20 dollars or euro | Allows you to make profitable purchases abroad. |
| MasterCard Standard in rubles | Rubles | Not provided | Not charged | Designed for young people aged 18 to 25 years. |
| Map World "Happy Time" | Rubles | Not provided | Not charged | The terms of the card are suitable for people of retirement age. |
Features and Benefits
Plastic from OTP Bank has many advantages. Among them it is worth noting the following:
- is international, therefore, allows you to carry out income and expenditure transactions abroad;
- you can deposit money into the account through the bank's cash desk or by transfer from another account;
- in order to prevent fraud, bank employees constantly monitor transactions carried out with the card;
- the 3D-Secure service is connected to the plastic, which allows you to make secure payments on the Internet;
- currency conversion occurs automatically at the most favorable rate;
- the bank guarantees its customers the export of funds abroad without delays and bureaucratic procedures;
- Bonuses are accrued for paying for goods and services with a card.
Such a payment instrument is really very convenient and will not let you down in any situation.
It is known that issuing a debit card is much easier than a credit card. This is due to the fact that the client does not need to prove to the bank his solvency and reliability. To apply for plastic, you must visit the OTP branch and write a corresponding application. You only need to have one document with you - a Russian-style passport. It takes an average of 3 days to make plastic, after which you can pick it up at the bank or order home delivery.
Online registration
Not every person can allocate time to visit the bank. Therefore, OTP Bank provides its customers with the opportunity to order a payment instrument online on the official website. To do this, go to the "Debit and credit cards" section and select the "Application for a payment card" item. The client will be asked to select the type of card and fill out a form, where you will need to specify your full name and contact details.
After sending an online application, a bank employee will call you back to clarify the information, he will also answer all your questions. As in the first case, the plastic will be ready after 3 days.
OTP Bank has developed several types of debit plastic: MasterCard Gold, MasterCard Unembossed, MasterCard Standard in foreign currency, MasterCard Standard in rubles and the Mir card "Happy Time". All of them are distinguished by favorable conditions and tariffs, some have a deposit and free service. Which product to prefer depends on the purpose of use and the individual wishes of each.
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 issues payment cards of international payment systems MasterCard and Visa. Cardholders have access to all privileges from MasterCard and Visa, depending on the product category.
For example, Visa Gold holders can take advantage of special offers and discounts of up to 75% at hotels around the world, 24/7 concierge service, medical and legal support abroad, emergency card replacement and cash disbursement services. As well as discounts in restaurants, cafes and shops.
OTP Bank's MasterCard card holders can rely on the services of the MasterCard Global Support Service, which will help to urgently reissue the card in case of loss or receive a cash advance.
The MasterCard PRICELESS MOSCOW program opens up wide opportunities for premium card holders. The program includes discounts and gifts when paying by card in stores, boutiques, hotels, invitations to private shows, sales and interesting cultural events.
Income card MasterCard
An OTP Bank card of the Gold and Unembossed category is issued. The issue of the card is free, the annual service of Unembossed is free, Gold cards - 1800 rubles, additional card - 1100 rubles. The fee is charged annually on the activation date. When the card is reissued at the initiative of the bank, there is no fee for the first year.
There is no commission for cash withdrawals at ATMs and cash desks of OTP Bank, at ATMs and cash desks of third-party banks - 1% of the amount, but not less than 100 rubles. Interest is charged on the card balance. On the Unembossed card in the amount of more than 100,000 rubles - 0.1% per annum, over 30,000 rubles and up to 100,000 rubles - 5% -7% per annum, from 10,000 to 30,000 rubles - 3% -5% per annum, up to 10 000 rubles (inclusive) - 0.1% per annum.
On a Gold card: over 200,000 rubles - 0.1% per annum, from 100,000 to 200,000 rubles - 8% -10% per annum, from 30,000 to 100,000 rubles - 5% -7% per annum and up to 30,000 rubles ( inclusive) - 0.1% per annum. The daily withdrawal limit for the Unembossed card is 50,000 rubles per day, for the Gold card - 90,000 rubles. Monthly fee for SMS informing - 59 rubles.
Debit card for travelers
A MasterCard Standard category card is issued in US dollars and euros, which allows you to save on currency conversion and not depend on the exchange rate when paying for goods and services abroad. The issue of the card is free, the annual maintenance is 20 US dollars and 20 euros (charged annually on the date of activation of the card).
The fee for card blocking due to loss or theft is $10, €10. Commission for cash withdrawal at ATMs and cash desks of OTP Bank is not charged, at ATMs and cash points of third-party banks - 1% of the amount, but not less than 3 USD or EUR.
The cash withdrawal limit is USD 1,000 or EUR per day and USD 6,500 or EUR per month. No interest is accrued on the account balance. For exceeding the payment limit on the card, 49% per annum is charged. Monthly payment for the SMS service is 2 USD or EUR.
Youth card
A MasterCard Standard card is issued. To apply for a card, you must be a citizen of the Russian Federation between the ages of 18 and 25. The advantage of the card is that its issue and maintenance is free. Maintenance of an additional card - 450 rubles. Cash withdrawal at ATMs and cash desks of OTP Bank - no commission, at ATMs and cash points of other banks - 1% of the amount, but not less than 100 rubles.
The cash withdrawal limit is 50,000 rubles per day and 200,000 rubles per month. No interest is accrued on the balance of own funds on the account. Monthly payment for SMS informing - 59 rubles.
Project "Deposit + card"
For clients opening a term deposit with OTP Bank, there are special conditions for issuing a debit card in Russian rubles, dollars or euros. Issuance and maintenance of the main and additional cards is free of charge. There is no fee for blocking the main or additional card in case of loss or theft. There is no monthly fee for the SMS service.
Cash withdrawal at ATMs and cash desks of OTP Bank - no commission, at ATMs and cash points of other banks - 1% of the amount, but not less than 100 rubles, 3 US dollars, 3 euros. The cash withdrawal limit is 3,500 euros, 5,000 dollars and 150,000 rubles per day.
The balance of own funds on the account is charged: over 3,000 dollars or euros - 3% per annum, from 1,000 to 3,000 dollars or euros - 1.5% per annum, up to 1,000 dollars or euros - 0.5% per annum; from 100,000 rubles - 5% per annum, from 30,000 to 100,000 rubles - 3.5% per annum, up to 30,000 rubles - 1.5% per annum.
Premium cards
World Elite Master Card
The Nilsen Club program provides access to a private club with thoughtful travel itineraries, a convenient booking system and a club travel office. The Priority Pass program allows cardholders to use VIP lounges around the world, regardless of the airline and ticket class.
In addition, the card includes personal concierge services, fraud insurance programs and a package for traveling abroad. When paying by card, there are discounts and special offers under the MasterCard Priceless Moscow and MasterCard Plus programs.
Platinum MasterCard and Visa Platinum cards
They emphasize the status of the owner and guarantee access to Priority Pass airport VIP lounges with a range of insurance services for those traveling abroad. There are special offers for cardholders under the MasterCard Priceless Moscow, Visa Premium and MasterCard Plus programs.
Card issuance is free, annual service - 175 euros, 230 US dollars, 7000 rubles. Additional card - 125 euros, 165 US dollars, 5000 rubles. Commission for cash withdrawal at ATMs and cash desks of the bank is not charged, at ATMs and cash points of third-party banks - 1%, but not less than 100 rubles, 3 dollars, 3 euros.
Interest is accrued on the balance: over 3000 dollars and euros - 3% per annum, 1000-3000 dollars, euros - 1.5% per annum and up to 1000 dollars, euros - 0.5% per annum. Over 100,000 rubles - 5% per annum, from 30,000 to 100,000 rubles - 3.5% per annum, up to 30,000 rubles - 1.5% per annum.
Reimbursement of the fee for a visit to the VIP lounge of the airport - 30 US dollars, the fee for connecting the "concierge service" service - 118 euros, 153 US dollars, 4250 rubles. SMS service fee is not charged.
Gold MasterCard and Visa Gold
Discounts and special offers "MasterCard Priceless Moscow", "Visa Premium" and "MasterCard Plus" are available for cardholders. The fee for issuing a card is not charged, service in the first year is free, from the second year - 45 euros, 60 US dollars and 1800 rubles. Fee for servicing an additional card - 25 euros, 30 dollars, 1000 rubles.
Commission for cash withdrawals at ATMs and cash points of third-party banks - 1% of the amount, but not less than 100 rubles, 3 dollars and euros. The interest rate on the balance of funds is similar to the cards of the Platinum category. There is no commission for SMS informing.
Advantages
OTP Bank does not have such a wide range of debit cards as Sberbank or Alfa-Bank, however, all bank payment cards have their advantages. Interest is charged on the balance of funds on the cards, which allows you not only to manage money as needed, but also to accumulate funds.
The "For Travelers" card is issued in dollars and euros, making it easy to save on conversion and exchange rate fluctuations when paying for goods and services abroad.
Issuing a debit card at OTP Bank is free, and the cost of servicing is low (compared to most other banks). There is no fee for the issuance and maintenance of the "Youth Card", and when registering the "Deposit plus card" package, there are preferential conditions for issuing a payment card.
The commission for cashing out is minimal, and is only 1% of the amount or 100 rubles, 3 dollars and 3 euros. You can withdraw funds from ATMs and cash desks of OTP Bank without commission.
In addition to standard cards, the bank offers premium payment cards that emphasize the client's status and have additional features. An interest rate is also charged on the balance of funds on premium cards.
