Open a current account and benefit from multiple advantages. Over time, OTP Bank has won its collaborators’ trust by providing appropriate solutions for each context. When you access a current account, you will benefit from free interbank payment orders in lei through OTPdirekt, free inter-bank and intra-bank receipts.
In order to save time for things that matter, OTP Bank receives debit instruments such as checks, payment orders, bills of exchange and remits them for collection. Thus, we also provide you the possibility to make payments by cash or fast transfer, to any territorial unit or online through Internet Banking.
What are the advantages of a current account for companies?
Quick and easy access to your money, wherever you are;
Transactions are performed in several currencies;
Access to a range of products and services that will contribute to the success of your business;
Collecting the amounts, in lei or other currency, in the same day, if the payers have the account opened at OTP Bank;
If the payer has the account opened at other bank, the payment in lei is made on the same day if the payment is made through SEP (Electronic Payment System) or on the same day the message SWIFT MT103 was received, for foreign currency receipts, in compliance with the processing time limit;
Through payment orders, funds can be transferred both nationally and abroad;
Zero fees for payments made through the online application, OTPdirekt, between OTP Bank clients or between their own accounts;
Payments can be made using debit instruments (checks, payment orders, bills of exchange);
Payments can be scheduled through the OTPdirekt - Internet Banking application.
Good to know
Starting with 02.05.2019 the submission of payment orders in lei and/or in foreign currency at the Bank's counters by a delegate of a legal entity will be made only based on a slip. This must be signed by a person with signature right in OTP Bank. You can download the slip draft here.
How to get the Current Account?
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Payments made to Ukraine
Dear customer, we inform you that due to the increasing number of banks in liquidation from Ukraine, any payment made to this country may register processing delays.
List with countries non-eligible for transactions
There won't be initiated business relationships, including current account opening, as well as acceptance and/or carrying out any funds /conducting transactions for natural/legal entities with residence/citizenshipin the counties listed here, as well as of those whose authorised representatives have residency / citizenship in the countries listed here. Thank you for your understanding.
In accordance with the bank's policy regarding customer knowledge, prevention and control money laundering and terrorist financing, OTP Bank Romania S.A. pays particular attention to the transfer of funds in foreign currency to/from the offshore territories, as well as to the operations of external receipts and payments of customers who have their residence / citizenship / registered office or real shareholders / beneficiaries in the offshore territories, requesting customers justificative commercial documents for the transactions carried out / to be carried out whenever it considers necessary. The main purpose is to classify such operations in the legal provisions in force and to analyse the conformity with the object of activity / current commercial activity of the customers.
Deposits guarantee policy
OTP Bank Romania S.A. is a participant of the Bank Deposit Guarantee Fund in Romania and its depositors benefit from a guarantee, by payment of compensations, of eligible constituted deposits, within the coverage limit as established periodically by law, currently amounting to the lei equivalent of EUR 100.000 for each account holder. This level of coverage limit was established by Law No. 311/2015 concerning deposit guarantee schemes and the Bank Deposit Guarantee Fund, as published in the Official Journal No. 918 from December 11th, 2015. According to law, the notion of a „deposit” means any credit balance, including the interest due, resulting from funds in an account or in transitory situations, deriving from current banking transactions, which the bank should reimburse, according to applicable legal and contractual conditions, including term deposits and savings accounts and which are not included in the list of situations mentioned in the Law specifically as not entering the category of these deposits (art. 3 (5)) of the law mentioned, detailing the credit balances which are not included in the deposit categories defined above). The notion of a „coverage limit” is the maximum level of the guarantee per guaranteed depositor and per credit institution, applicable according to art. 61 par.(3).
More information for depositors can be obtained by accessing the section „Information for depositors”, including the list of deposits excluded from guarantee.
More details can also be found on the website: www.fgdb.ro.