Payment methods for a loan from a bank without commission. Transfer of funds from card to card in an otp bank Transfer of money to an otp account
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. How to pay an OTP bank loan without a commission using a variety of payment methods will be discussed later in the article.
OTP Bank allows its customers to pay the 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 against a consumer loan, as well as replenish the balance of a bank card.
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.
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 an additional fee of 50 rubles, 1% of the credit.
It is slightly less profitable to repay debts through the Eleksnet payment system, 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 on favorable terms. 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.
Representatives of financial organizations have created a multi-level payment system that would be most convenient for plastic card users. At the moment, a huge number of different transactions can be made from the card, including the transfer of funds to another account. Such transfers can be made, including to a card of another bank. Let's see what methods of transferring funds are available to OTP clients.
On the official site
First you need to go to the translation page.
Scroll down to see the full form.
You need to enter the details of your card and the recipient's card, and then confirm the withdrawal of funds and deposit them into another account. Below is a list of tariffs, transfers involving which will not be charged additionally:
The screen does not contain a complete list of tariffs, so for a complete review, be sure to scroll the list to the end. For transactions involving accounts on other terms, a fee of 40 rubles is charged.
With the participation of the Internet bank
Representatives of the OTP have developed an online system "OTPDirect". If you prefer this method, use the following instructions:
- Authorization in a personal account.
- “Transfer to the client of the OTP bank” =› “By card number”.
- Filling out the form, entering details.
- Confirmation of the operation through the received SMS code.
When loved ones are in different parts of the world, you can support them with cash. transfers which provides an opportunity to bank OTP. In a financial institution, these transactions are carried out quickly and reliably.
When funds need to be urgently transferred to different countries of the world, you can use the services provided by bank. Receipt of money by the addressee will be available within a few minutes if in his locality there are points of such systems as:
- Western Union;
- Moneygram.
In branches jar it is possible to transfer funds money in national currency, dollars, euros and hryvnias. All details about Western Union and Money Gram transfers can be found on their official Internet resources.
Transfers from card to card of another bank
V bank you can use translations from an OTP client's card to another institution's card. For such a procedure, you only need to enter your card product number and the recipient's card account number. Then you need to specify the amount and confirm the operation. Funds are credited within 3 business days. The amount of the commission for translation specified further.
Transfer funds between cards of OTP clients
V banks service available translation funds between the card accounts of the organization's customers. You need to enter the details of the sender and recipient, as well as the amount. Then you will need to confirm the payment.
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.
Banking services now allow not only to receive money on plastic cards and withdraw them for use, but also to pay without receiving cash. To transfer money from an OTP Bank card to a card issued by Sberbank, you should understand the transaction procedure. It can also be used to pay for mobile communications and various goods, so you need to understand how you can transfer funds to another account as quickly as possible.
Instructions for transferring money from an OTP Bank card to a Sberbank card
Important! If both accounts are registered by OTP Bank, then with a transfer amount of up to 2 thousand rubles, the commission will be 40 rubles, with a larger amount, 2% of the amount will be charged. It is this percentage that will be charged for any other institution.
Transfer money from card to phone
To transfer money from a card to a mobile phone, you can use many ways:
Transferring money from an OTP Bank card to a Sberbank card is very simple, for this you can use Internet banking, a mobile application and an ATM. All options will require the payment of a commission fee, but the funds will reach the addressee only if you follow the instructions for transferring money.
The maximum amount of one transfer is 70,000 rubles, the minimum is 100 rubles. You can make no more than 4 transactions per day, the monthly limit is 600,000 rubles.
Transfer from OTP Bank card to card
You can make a transfer from an OTP Bank card to a card of any other bank in Russia. You can use this service around the clock. A special SSL protocol ensures the security of the transfer and keeps your data secret, so you can not be afraid to carry out money transactions via the Internet. Transactions are available for debit and credit cards, which do not have their own restrictions for making online transfers. Online money transfer between cards saves you time and is completely safe.
Frequently asked questions about transfers by OTP Bank card number
Between which banks can I make a transfer?
Using our form, you can make a transfer between any banks: between two OTP Bank cards, from an OTP Bank card to a card of another bank, or from a card of any bank to an OTP Bank card.
Between which cards can you transfer money?
The transfer is possible between any debit and credit cards of individuals and legal entities (IP or LLC forms) of VISA (Visa) or MasterCard/Maestro (MasterCard/Maestro) payment systems. The card of the sender and the recipient can be a salary or corporate one. The only requirement is that the card from which the transfer is made must have 3-D Secure protection.
Transfer fee
To calculate the commission, indicate in the transfer form the amount, the number of the sender's bank card and the recipient's card. The system commission is only 1.6% of the transfer amount, but cannot be less than 50 rubles. In rare cases, there may be an additional commission from the bank that issued the card.
How quickly will the transfer reach the recipient?
Usually money comes almost instantly! For example, in 2020, money was received immediately on Tinkoff Bank cards and VISA cards of other banks. Money can go to MasterCard and Maestro cards of Sberbank up to 1 day. The transfer is sent immediately and the time of crediting to the account depends only on the recipient's bank, according to the law, the bank must credit the money no later than 3 working days.
What do you need to know about the recipient's card in order to make a transfer?
To make an online cash transfer through our service, you only need to know the number of the plastic card to which you want to send money.
How to make a transfer?
To transfer funds, you need to enter your card number and expiration date on the front side, as well as the CVC2 / CVV2 security code on the back of the card.
After that, you must specify the number of the card to which you want to transfer cash.
After that, you just have to enter the desired transfer amount, confirm that you agree with the terms of the offer and click the "Transfer" button.
The money will be automatically debited from your plastic card and in 5 minutes will be on the recipient's account.