• Current account and attached services
• Loans
• Savings products
• Bank cards
• MoneyGram
• OTPdirekt
• General

Current account and attached services

• What is the SWIFT or BIC (Bank Identifier Code) of OTP Bank Romania, needed in case o international payments?

  The BIC of OTP Bank Romania you must use for international payments in OTP Bank’s Romania accounts is: OTPV RO BUXXX

• Why should I choose the overdraft?

  Offers the possibility of having a loan facility available in RON, EUR which will be equal with up to 6 times your net monthly salary, monthly requiring reimbursing only the interest calculated for the used amount.

• Can I receive my pension in the account open at OTP Bank?

  Yes, you can and we offer several advantages for other banking products and services purchased.

• What are the benefits of receiving my salary in the account opened at OTP Bank?

  In case you would like to receive your salary in the account opened at OTP Bank you can request an overdraft, through which you can obtain a limit up to 6 times your net monthly salary. In the mean time, you can request a MasterCard debit card to be issued having access to the balance of your account. Furthermore, in case of EUR loans with mortgage, our bank offers a lower interest rate (until you receive your salary in your OTP Bank account).

• How much does it cost me to open a current account at OTP Bank?

  The opening, maintenance and closing of an OTP bank current account is cost free. You only have to visit one of our branches and present a valid ID.

• Can another person have access to my amounts available on my current account?

  The money available in your current account can also be accessed by the empowered persons named by you. These empowerment has to be established by you by visiting one of our branches and accompanied by the person who will be empowered.

• How can I receive home information regarding my current account?

  In order to receive information about the transactions made on your current account opened at OTP Bank is necessary to request the activity report at the address mentioned by you. You can visit one of our branches from Monday to Friday between 8.30- 17.30.

   

• Is there a minimum amount that I always have to keep in my current account in order to maintain it?

  No there isn’t.

• Can I attach a debit card to the current account?

  <p> Yes, you can attach a MasterCard debit card either to the RON or EUR current account. The issuance is free for the RON debit card and you can use it in the country and as well as abroad.</p>

• Can I access my current account from any OTP Bank branch from the country?

  Your current account can be accessed from any branch from across the country indifferently with which branch you started the collaboration.

• What does IBAN mean?

  The International Bank Account Number or IBAN is a an international standard for numbering bank accounts developed ECBS (European Committee for Banking Standards) in order to improve the payments system in the European Union. In Romania, the code is composed of 24 characters.

• In which case do you think it’s best to transfer money using OTP Express?

  It is recommended to use the OTP Express service if you want to transfer money to an OTP Bank account in Hungary, Croatia, Russia, Serbia, Ukraine, Montenegro, Bulgaria and Slovakia. This type of service is preferable for you as it is fast and implies lower costs.

• How can I find out what’s the balance of my account?

  There are different ways in which you can request your OTP Bank account balance:

  • In person, visiting any OTP Bank Romania branch, and presenting you valid identity card or valid passport;
  • In case you have a debit card attached to the current account, the balance can be enquired for free by accessing the www.otpbank.ro website, or by calling the free number 0800 88 22 88 from the Romtelecom network or *OTPBANK (*6872265) from Orange and Vodafone network, and introducing the last 10 numbers written on the debit card and the access code which is made up of 3 numbers (written in the IBAN).

• Is it necessary to open a current account in order to transfer money through OTP Express?

  Yes, it is necessary to have an account opened in the foreign currency that you would like to make the payment.

• What kind of information is necessary in order to receive a payment from another country (foreign payment)?

  When receiving a payment from another country in your current account opened at OTP Bank, the payer must have the following information regarding your account:

  • the name of the bank: OTP Bank România S.A.
  • SWIFT code: OTPVROBU
  • your identification data: (Name and surname/ the name of the company; address; the IBAN number)

• What types of products are available for youngsters?

  For persons who are maximum 26 years old we can offer specific products as follows:

  • Junior accounts, with more advantageous interest rates
  • Junior debit cards, attached to the Junior account, specially created for youngsters.

• What kind of advantages will be offered for the youngsters when opening a Junior account?

  The Junior accounts are developed for youngsters who are maximum 26 years old. The products are as follows:

  • Junior Start – for children who are maximum 14 years old
  • Junior Plus – for youngsters between 14 and 18 years old
  • Junior Max- for students who have maximum 26 years old.

  The advantage of opening such an account is represented by the fact that advantageous interest rate is calculated for this account and the possibility of opening the account in national and foreign currency: RON, EUR, USD, and HUF. Meanwhile, the youngsters who become 14 years old can request the issuance of a Junior card attached to that account.

• What is an overdraft?

  Represents a loan facility which offers the possibility of accessing an amount of money which is higher than the existing one.