Having issued a cash loan, each person needs to understand that he needs to pay monthly payments on time. Otherwise, penalties will begin to accrue. To avoid such problems, you need to find out in advance how you can pay off the debt and choose the most convenient way. In this article, you will be able to familiarize yourself with the methods of repaying a loan at OTP Bank.

Presented financial institution, has developed an application for the phone especially for its customers. It is an excellent alternative to Internet banking (which is also available to clients of this organization).

In this application, you can quickly make money transfers, track information on loans, and also find out the location of the nearest ATMs and branches. The banking application is available for installation on Android and iOS.

Debt Repayment Process:

1. Install the app through the App Store or Play Market.
2. Open.
3. Login(data for authorization are written in the contract).
4. Go to the section " Loans».
5. Here you can find out the exact size, required payment.
6. Click the payment button.
7. After that, you will be presented with all available options .
8. Choose the appropriate option and complete the operation.

How to pay for a loan via the Internet online OTP Bank? E If your money is stored on a bank card served by another financial institution, then you can make a payment using it. However, a commission of 2% of the amount will be charged for such an operation. Money will come instantly (in some cases, delays up to one day are possible).

Payment procedure:

1. Login in Yandex.
2. Go to menu.
3. Navigate into payments.
4. Select an item "Credits".
5. Enter the title creditor (OTP Bank).
6. Enter required information.
7. Specify the size of the transfer.

And also worth noting is another way to repay a loan in cash. It is produced in a branch of any bank (it is better to pay at the OTP bank, as other organizations charge a commission). Payment is made as follows:

• Take your passport.
• Go to any bank branch.
• name room loan agreement .
• Specify payment amount.
• Fill out the receipt about payment.
• Pass the receipt and money.
• Take a check.

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What documents and information will be required?

To repay a loan in most of the methods presented in this article, you will only need a loan agreement. In this document, you need to find the number of the loan agreement, which will be needed when making a payment using any method. And also when paying in cash at a bank branch, you will need a passport of the borrower. Other documents for debt repayment will not be required.

Video: how to pay a loan online at OTP Bank?

Date: 11/01/2016 11/08/2018Text: 100i1credit

OTP Bank offers its customers several ways to pay a loan online and in cash. You will learn about the most convenient ways to repay a loan at OTP Bank below.

Pay a loan through your personal account OTPdirect

On the page personal account available detailed information on loan:

• Contract number;
• date of receipt of the loan;
• Product name;
• Loan repayment account number;
• Credit amount;
• Interest rate on the loan;
• Account balance;
• The amount of overdue debt;
• Penalty for overdue debts;
• The amount of the next payment, taking into account fines and delays;
• Date of the next payment.

All online payment methods

You can repay a loan in OTP online:

• With a card from any other bank. Funds can be transferred to official website of the bank. Credit will be credited to your account the next day. The service itself is provided by a third-party organization PJSC "MINBank". Therefore, the commission for the transfer of funds will be 2% of the amount of the payment.
• With the help of electronic payment systems: Qiwi, Yandex Money, Rapida, etc.
• From your mobile phone account: Beeline, MTS.
• Using the internet banking service of your bank. For example, using the service Sberbank Online, VTB24-Online or OTPdirect.

Payment for an OTP loan through Sberbank Online

You can pay off a loan at OTP Bank, as mentioned above, and through Sberbank Online. This method is quite convenient, and therefore is very popular among borrowers. Required for payment.

Make a payment in cash at payment points

If a online payment not for you, you can make a payment on an OTP bank loan at the nearest of 120,000 payment acceptance points. You can pay in cash through:

• self-service terminals and ATMs of OTP Bank,
• in the communication stores of MTS, Megafon and Beeline,
• payment acceptance points Cyberplat, Rostelecom, Rapida, Eleksnet,
• at the branch of the Federal State Unitary Enterprise Russian Post, using the CyberMoney service,
• at points of sale Svyaznoy, Euroset, etc.

Bank transfer to the settlement account in OTP

You can also pay a loan in OTP at a branch of any other bank. To do this, download and fill out the form below. Bank transfer details for loan payments:

• Payee: Full name
• Payee's bank: OTP Bank JSC
• TIN: 7708001614
• Gearbox: 997950001
• С/с: 30101810000000000311 at the OPERA of the Moscow GTU of the Bank of Russia
• BIC: 044525311
• Payee's account: Your account number (specified in the Agreement or invoice statement)
• Purpose of payment: replenishment of the account (indicate the personal account), full name of the recipient of funds under agreement No. _ (indicate the number of the agreement).

Full repayment of debt on a loan in OTP Bank

In order to repay the entire loan, having the amount necessary for payment, one should notify the bank about this operation a calendar month before repayment. After the expiration of this period, you can deposit money into the account.

Further actions can take place in the following options:

• The bank will debit the entire amount necessary for repayment from the account and close the loan agreement unilaterally. To protect yourself from unforeseen claims, you should contact the bank branch for a certificate of no debts.
• After paying off the debt, the borrower writes an application and submits it to the right bank employee so that he can close the contract.

Different banks may have one or another option for closing the contract. You can find out about this from bank employees, in the text of the contract or by hotline.

The procedure for early repayment of a loan in OTP Bank:

• Specify the full amount to be paid by calling the bank's hotline 88002007005. Remember that if you do not pay just a few kopecks, the contract will not be considered closed.
• In advance (recommended 10 days before the next payment), deposit the required amount to the credit account. The loan will be repaid on the next payment date.
• Check the closing of the contract. To do this, be sure to contact the bank staff for confirmation of the full repayment of the loan.

Also, do not forget to keep all payment receipts to insure yourself against possible problems with debt payments.

In order to always enjoy customer loyalty, OTP Bank offers more and more ways to deposit monthly payment on loan. This time we will talk about payment via the Internet using the contract number. If the weather outside the window “doesn’t whisper”, you get sick, or simply can’t for some reason come to the bank branch in person and generally go outside, this method is for you! Read below to find out how to pay your loan online!

It should be noted that the Sberbank Online system plays an important role in this method. Her clients are well acquainted with remote methods of loan payment. OTP Bank gives you the opportunity to deposit the amount via the Internet just with the help of this program, if you are payroll client this organization and have access to the application.

1. Launch the application and log in to your personal account.
2. Go to the "Payments" section.
3. Select "transfers to another bank by BIC".
4. Enter the required data based on your loan agreement.
5. Click continue.
6. In the special fields, enter your full name, loan agreement number, mobile phone(for a return communication with you), as well as the amount of payment.
7. Carefully check the information you entered to avoid mistakes.
8. Click next.
9. Receive an SMS with a security code to the specified number and enter the code in a special field.
10. Wait for a notification that the operation is completed.

If you accidentally made a mistake in the recipient's address, and your money went to another person, it doesn't matter. Write a written application to the bank, and they will try to solve the problem. As a rule, such situations are resolved in favor of the client, because for the employees of the organization your safety is above all else!

If you have any doubts about repaying the loan in this way, then it is completely in vain. The system records all the transactions you make in order to issue a report in electronic or paper form if you wish. To get a document, go to a bank branch, call there or fill out an application online.

Through the OTP portal

However, not only the Sberbank Online system provides such an opportunity. On the OTP portal itself, you can perform exactly the same operation to deposit the amount on the loan account. It will take a minimum of your time and effort.

1. Go to the official page of OTP Bank.
2. Find the image of a hand with a coin and the inscription "Repay the loan." Click on the button.
3. From the proposed online channels for paying the loan, choose "On the card of another bank." After that, click on the "Pay with card" button.
4. In the window that appears, enter your full name and account number.
5. Click "next", after which the site will direct you to a window where you should indicate the number of the debit card and the amount you want to deposit.
6. It remains only to wait for confirmation of payment. If the stage passes, then the operation was successful.

Keep in mind that your payment cannot be more than 15 thousand rubles per day. The money will be transferred to the desired account almost instantly, and the commission will be 2% of the amount you deposited.

Via OTP direct

The OTPdirect system, similar to Sberbank Online, provides a person with the opportunity to pay a loan online. All payments are made in the same way as in the Sberbank system. If you prefer OTPDirect, then:

1. Go to the main page of the OTP website.
2. At the top right, find the "Internet Banking" button and click it.
3. An authorization form will appear on the left. Fill it out with your username and password.
4. Then another window will open. Find the "My Accounts" section there.
5. The section shows your current loan, as well as the amount you have to pay on it in the current month.
6. Click on the loan and select "Pay".
7. Enter the number of the card or account from which the funds will be debited. Then you just need to confirm the payment.

This method is absolutely not complicated, and you should not have any problems with payment. However, please note that the operation will be performed only if the account or card has the required amount. If there is not enough money, replenish the account in any way and repeat all the steps again.

How else can you pay

On the OTP Bank website, there are many more ways to repay a loan online or offline. Having studied them all, you can choose the best option for you and use it in the future to pay the OTP to the bank.

1. The Golden Crown service implies that you can make a payment in one of the network of MTS, Euroset and Beeline salons (there is a one percent commission in the salons, but you must pay at least 50 rubles), as well as in Kari stores "and" Know How "(the commission is similar, but not less than 30 rubles). According to the account number, funds are transferred instantly, according to the card number - two business days.
2. Through Eleksnet payment wallet and terminals. From September 1, 2016, the commission has been reduced to 0.95% when paying through the Eleksnet Wallet (at least 20 rubles). If you pay using the terminal, the commission will be 1.4% (50 rubles - min.).
3. In Svyaznoy stores, you can top up your card account or make a loan payment. The commission will be 1% (min. 50 rubles). Funds will be transferred to the account within one working day after the transaction. Under the same conditions, operations are carried out in Megafon stores and at the box office. chain stores Eldorado, MVideo, etc. (in cash).
4. With the help of Visa, QIWI, Wallet wallets and terminals. The commission for the service is taken at a rate of 1.6%, but not less than one hundred rubles. According to the account number, the money will be transferred immediately, and according to the card number - up to two days.
5. Using Internet payment systems (for example, Yandex Money). All payment terms will depend on the system you choose.

If you are closer to paying a loan with cash savings, the following methods are more suitable for you:

• OTP Bank self-service terminals and ATMs. Terminals are located in any branch or even on the street. They act just like terminals on any other network. It will take days to transfer money. Only those who have a loan for Mastercard or Visa. Payment is made without commission.
• Rostelecom. Rostelecom sales and service centers can help you top up your card account or pay off a loan. The commission is also 1% (min. 50 rubles). The money is transferred the next day after the payment is made.
• Postal transfer. At the offices of the Russian Post, no commission is charged for the transfer. You are also given the opportunity to put money on a card or pay off a loan.

As you can see, there are many different ways to make a payment on a loan at OTP Bank. Cash and non-cash, at the branch or without leaving own apartment. You only need to have a sufficient amount on your account or on the card for the successful completion of all manipulations. Remember that OTP Bank always meets the needs of its customers and takes care of their safety.

When choosing a lender, the borrower is primarily interested in how to save on interest payments. But no less important is how convenient it is to pay the bank bills. About how to pay OTP loan bank without commission with the help of the most various ways enrollment, will be discussed later in the article.

OTP Bank provides its customers with payment of loan debt without additional fees. This allows you to minimize your costs and pay the net interest charged by the bank for the loan.

So, where to pay a loan without a commission? The first way to repay your loan without additional interest is to make a postal transfer through the UNISTREAM service. This company allows you to transfer money to a credit card debt or consumer loan, and the funds are credited as early as the next calendar day.

In the same way, you can make a transfer of funds through the Russian Post. With the help of this postal service, a bank client can make a payment on account consumer credit, as well as replenish the balance of a bank card.

And you can also avoid unnecessary expenses if you make bank transfers. In particular, this applies to money transfers from one's own account with OTP Bank. The transfer can be made both using self-service devices (terminals, ATMs) and using Internet banking. Terminals and ATMs also allow you to deposit cash against debt.

Some organizations allow you to pay a loan without additional interest, making deductions through the accounting department directly from the employee's salary. However, this does not apply to all places of work, and the conditions must be clarified with the accounting department. To make such deductions, you need to write an application, indicating the details of the bank.

If none of the listed options suits the client, or if a situation has arisen in which he does not have access to the transferred funds for repaying the debt, where can he pay for a loan with a minimum interest?

There are several affiliate programs that allow OTP Bank users to deposit money to repay a loan with a minimum amount of additional costs. We list the main ones:

• Golden Crown service ─ includes Euroset, Beeline, MTS, Know-How, Kari, Agent.ru offices. The minimum fee for mediation in the offices of "Agent.ru" is 10 rubles, "Kari" - 30 rubles, in the rest - 50 rubles. The total commission is 1% of the transfer amount. Money is credited to the account within 2 days.
• At Svyaznoy offices, you can repay a loan with a fee of 1%, but not less than 50 rubles.
• Communications company "MegaFon" provides an opportunity to repay loans in its offices with a commission of 1% with a minimum amount of 50 rubles.
• Offices and terminal networks of M.Video, Eldorado, Domo companies charge a minimum commission of 50 rubles, charging 1% of the repayment amount.
• Customer service centers and points of sale of Rostelecom provide an opportunity to repay the debt of OTP Bank with extra charge from 50 rubles, 1% of the enrollment.

Slightly less profitable to repay debt through payment system Eleksnet, which has its own electronic wallet and terminals. For mediation in transfers, the system charges 1.4% of the fee, but not less than 50 rubles.

The electronic wallet VISA QIWI Wallet allows you to repay a loan from OTP Bank with a retention of funds of 1.6%, but not less than 100 rubles. At the same time, the system provides the ability to make transfers both using terminals and using a mobile application or company website.

Important! When transferring funds to pay off a debt from a card of another Russian bank, funds are credited instantly, and the commission will be 2% of the payment amount. However, the limit for daily deduction is only 15,000 rubles, which may not be relevant for borrowers of large amounts. You can pay with MIR, VISA and MasterCard cards.

Thus, OTP Bank provides a wide range of funds for repaying loans both without commission and with favorable conditions. Partner offices have many branches, which ensures the availability and convenience of depositing funds, and remote methods will allow you to make a deposit on time and avoid penalties.

OTP Bank is popular among consumers credit institution. When applying for a loan, it must be repaid on time, otherwise a debt will form. The easiest way is to pay an OTP Bank loan via the Internet with a Sberbank card, because you can do it from anywhere. This method is perfect for people who have enough money for plastic. The procedure takes place online, so you must have access to the network to make a payment. If a person cannot access the Internet in the near future, then other methods can be considered that are no worse.

Where to pay a loan from OTP Bank without commission

Many financial procedures require the repayment of a commission fee, which is why people have to give more money than planned. Therefore, customers are looking for ways to transfer the amount for lending, but do not give additional interest. There are a number of ways that will allow you to pay without commission.

Options:

1. OTP direct system.
2. Service money transfers Unistream.
3. Post office.
4. A bank teller with a cash in function, as well as an OTP terminal.

These options allow you to pay a loan for free, so a person will not lose part of his money. However, you can consider other ways that may be more convenient, so they will interest a person. In any case, it is important not only to pay for loans for free, but also to do it safely and promptly.

How to pay a loan in OTP Bank via the Internet

Now many people want to use the Internet in order to pay loans. This is a really convenient option, because the procedure can be completed anywhere where there is access to the network. You will also need to know the details so that you can make a payment. Naturally, you should take care of the availability of electronic means if you want to use the Internet.

There are many ways to pay off a loan or top up a credit card balance. Internet banking is popular, for this you need to be a client financial institution and have sufficient funds in your account. Most people use the services of Sberbank. Therefore, it is convenient for them to use the service of this bank to go through the procedure.

Note that you can choose the official website of any financial institution whose services a citizen uses. The main condition is to have enough funds on the card or on the accountso that the transfer can be made. For convenience, you can use mobile app if a person transfers money using a smartphone. It is recommended that you read the instructions in order to quickly go through the procedure and not encounter difficulties.

Is it possible to pay an OTP Bank loan via the Internet from a Sberbank card

Some people are wondering if it is possible to use the money on the balance of a Sberbank card in order to pay for a loan. After all, it is much more convenient to immediately transfer funds from plastic, without withdrawing cash. Yes, such a possibility exists, and there are several ways using plastic.

Important! You can go to the Sberbank Online website and perform actions through it. It is also possible to use an ATM of a financial institution if there is no Internet access.

Last resort you can contact the bank's cash desk for the procedure, but for this you will have to personally appear at the institution and stand in line. If a person intends to quickly transfer money, then it will be useful for him detailed instructions. You should step by step figure out exactly how to transfer funds, as well as what is needed for this.

How to replenish a card of another bank from a Sberbank card

In some cases, a person starts credit card so that, if necessary, you can make purchases with it when it is not available for this physical means. In any case, it will be necessary to throw the right amount on the card, and a certain period is given for this. It will be enough just to use the Sberbank Online service to make a transfer.

Procedure:

The person will be able to print a receipt that confirms the procedure. In general, it is not difficult to replenish a credit card of another bank from a Sberbank card if there are enough funds in the account. You should first familiarize yourself with the commission that is present on the site. Without a fee, you can send money only to another client of Sberbank.

How to pay a loan from OTP Bank through Sberbank Online

If a person wants to pay an OTP Bank loan through Sberbank Online, then he should use step by step instructions. It can help you pay off your debt easily. If a person knows the necessary details, then he can go through the procedure at any time.

What to do:

1. Log in to Sberbank Online. If a person has not used it before, then he needs to get login information at a bank branch.
2. Go to the section "Transfers and payments", and then select the option "Repayment of a loan in another bank".
3. In the general list, you should find the desired option. In order not to waste time, you can use the search. To do this, you must either enter the name of the bank or the taxpayer number.
4. Next, a form will appear to fill out, all the data must be entered. It is worth indicating your account number, last name, first name and patronymic, as well as address. You don't have to write the purpose of the payment.
5. Check the entered data, because it is impossible to make a mistake.
6. If everything is correct, then you should click on the "Pay" button.
7. This action is confirmed by SMS, which should come to the person on the phone.

If you wish, you can connect auto paymentso that funds are independently transferred on the right day. In this case, you do not have to worry about the fact that you need to pay off the loan. The only thing is that there must be enough money on the card in order to complete the procedure.

If a person wants to repay the loan ahead of schedule, then it is worth negotiating with the OTP. Otherwise, there is nothing difficult in sending funds to repay the loan.

How to pay a loan through OTP Direct

Some people prefer to pay off debt through OTP Direct. To do this, you will need to go to the Internet banking of a financial institution, having previously taken the data for authorization. After that, you can proceed to the procedure itself.

What to do:

This procedure will be over if the person does everything correctly. This method is suitable for residents of Russia, and people from Ukraine should clarify payment options for their country.

How to pay a loan from OTP Bank through the application

If a person uses a smartphone for the procedure, then it will be more convenient for him to use a special application for the procedure. Thanks to him, it will be easier to go through the procedure and more convenient. In general, the scheme of action is the same as described above.

You need to install only those programs that are not in doubt. The application must be official, and you should look for it on the bank's website. If you download suspicious programs, then there will be a big risk of losing your money.

How to pay a loan from OTP Bank through the terminal

Terminals are popular with people who do not have constant access to the Internet. This device is convenient in that you can transfer money through it without any extra actions. First of all, you should make sure that the person has the necessary information. Otherwise, it will be problematic to transfer funds.

The terminal must be chosen depending on what kind of person wants to transfer funds. If he wants to use cash, then Rapida, Cyberplat and similar devices are suitable. You will need to know the account numberto which funds should be transferred. You also need to have cash in order to deposit them immediately.

A device from the OTP company is also suitable. You can also transfer cash through it, and you can find a terminal at any bank branch. If a person wants to use bank card then the procedure will be different.

How to replenish a card of another bank through a Sberbank ATM

ATMs are convenient to use in order to transfer money from the card. If a person is a client of Sberbank, then you need to look for an apparatus from this financial institution. The principle of action is quite simple, and anyone will understand it.

You will need to insert a card into the ATM slot, and then choose to repay the loan. It is important to indicate the bank and account number. After that, you will need to deposit the amount and confirm your actions. It remains only to wait until the money is debited from the card, and then it can be picked up. It is recommended to keep the receipt until you can be sure that the money has arrived.