We would like to draw your attention to the increase in spoofing fraud attempts, where attackers call potential victims from a phone number that appears to be the bank's and pose as employees of financial institutions. We advise you to be vigilant and not to share confidential data such as bank account access credentials (IB) or bank card security data with anyone.

OTP Pensionari Package

Enjoy retirement. Let us take care of your funds and give you more time for what really matters. Your money will be transferred directly into your account, without any delays. In addition, you manage your funds more easily and you get numerous extra benefits.

Open and manage your account for free 

You have 0% fee on card payment to merchants 

You have access to your account money 24/24 on any day of the week 

What benefits do we offer you?

Accessing the OTP Pensionari Package, you can benefit from:

  • Current account in LEI

  • Mastercard Flat debit card 

  • ZERO commission for cash withdrawals from OTP Bank ATMs, unlimited 

  • ZERO commission for cash withdrawals from any ATM in Romania for two withdrawals per month

  • ZERO commission for card payments at merchants, in the country and abroad

  • Internet Banking (OTPdirekt and SmartBank)

  • ZERO commissions for intra and interbank transfers in LEI, to any bank in Romania, through OTPdirekt, unlimited 

  • ZERO cost with SMS alerts (Control Account, Control Card) so you quickly find out when you receive your pension 

  • CASHBACK up to 10%* of the amounts spent at pharmacies, for 12 months from the date of contracting the package according to the Campaign Regulations “Primești 10% cashback, maximum 30 LEI la farmacii în primele 12 luni

  • BONUS 0.20 percentage points in addition to the standard interest rate granted in the branch for deposits in LEI, established after contracting the package 

  • Free advice from our representatives whenever you need it.

  • *The amount you receive monthly is up to 30 LEI, money that reaches your account on the last business day of the month following that in which you made the payment. The offer is cumulated with all discounts offered through pharmacy loyalty cards, as well as other offers and promotions made in pharmacies, and are valid for twelve months from the date of the contract.

How can you benefit from the advantages of OTP Pensionari Package?

Visit us in any of the OTP Bank branches, request the OTP Pensionari package, as well as the payment of the pension into the account, and we will take care of the rest.

Forget the bureaucracy, because we send the application to the Pension Office. 

In the first 3 full months after opening the package and during the entire period in which you collect your pension at OTP Bank, you benefit from ZERO tax on the monthly subscription, otherwise, the cost of the package is 5 LEI per month.

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Frequently asked questions

The code for foreign currency transfers to an account opened with OTP Bank is OTPV RO BU XXX.

The account overdraft offers the possibility of obtaining a credit on the account (LEI, EUR) of up to 6 monthly net incomes, the monthly reimbursement representing only interest on the amount used.

Yes, you can receive your pension in your OTP Bank account and we offer you a number of benefits for other purchased banking products and services.

If you want to receive your salary in your OTP Bank account, you can request an account overdraft feature, where you can receive up to 6 monthly net incomes as the credit limit. You can also request a free MasterCard debit card that gives you access to the amounts in your account. In addition, OTP Bank also offers advantages in obtaining EUR mortgage loans (interest rate cuts during the period of transfer of income).

Opening, managing and closing a current account with OTP Bank is free of charge, and in order to do this you need to come to any branch with a valid Identity Card.

The funds in your account can also be accessed by the appointed signatories on that account. These mandates are set by you by presenting yourself to the branch with the authorized person.

In order to receive information about transactions made in your OTP Bank account, you need to request receipt of the account statement at your home address. You can make this request in the branch from Monday to Friday, 09:00 to 17:00.

There is no minimum monthly amount you need to keep in your account.

Yes, you can attach a Master Card debit card to your account in LEI or EUR. It is issued free of charge and can be used both in the country, as well as abroad.

Your account, regardless of the branch with which you originally collaborated and regardless of the currency in which it was opened, can be accessed at any branch of OTP Bank Romania.

The International Bank Account Number or IBAN is an account number structured according to ECBS standards (European Committee for Banking Standards), its purpose being to facilitate automatic processing for international transfers. This code has 24 characters in Romania.

It is advisable to use such a transfer for foreign currency amounts when the person who receives the money has an account with OTP Bank in Hungary, Croatia, Serbia, Russia, Ukraine, Montenegro or Bulgaria.

There are several ways to find out the balance of an account opened with OTP Bank Romania:

• by coming to one of the branches of OTP Bank, with the valid Identity Card;

• if you own a debit card attached to that account, the balance can be found out free of charge on the webpage or by phone at 0800 88 22 88 (free of charge from any fixed or mobile network in Romania) or at + 4021 308 57 10 (also available from abroad), and you need the last 10 digits of the card number and the 3-digit access code.

Yes, a currency account is required to make the transfer.

When making a transfer from abroad to an OTP Bank Account Holder, the sender needs the following data:

• name of the bank: OTP Bank România S.A.


• the identification data of the beneficiary, OTP Bank account holder (name and surname / company name, address, symbol of the current account in foreign currency)

It is a credit facility granted by the bank to each client, which consists in the possibility of withdrawing from the account a higher amount than the existing one. It is also called overdraft.

At OTP Bank Romania S.A., we have always upheld the fairness and transparency of the activities undertaken by our employees and our clients. Therefore, in accordance with the bank's Know Your Client policy, preventing and countering money laundering and terrorist financing, OTP Bank pays particular attention to transfers of funds in foreign currency to / from offshore territories, as well as external collection and payments operations of clients who have their residence / citizenship / registered office or real shareholders / beneficiaries in offshore territories. That is why we ask our customers for commercial documents that justify transactions that are / will be made whenever they deem necessary.

The main purpose is to classify operations of this type in the legal provisions in force and to analyse the conformity with the object of activity / current business activity of the clients.

In accordance with the provisions of Law 258/2017 regarding Comparability of payment account fees, change of payment accounts and access to payment accounts with basic services, can be found for consultation the Glossary of Standardized Terms, FID-Information Document regarding LEI fees and FID-Information Document regarding EUR fees.

If your transaction contains in the fields  as “Bank’s country” or “Beneficiary’s country” one of the countries listed within the list of countries for which the bank requests supporting documents in order to process money transfers, please submit your documents to the bank by uploading them in OTPdirekt app, or e-mail them at If failing in doing so, the bank will not be able to process the operation. No business relations shall be initiated, including the opening of a current account, as well as the acceptance and / or transfer of any funds / transactions for individuals / legal entities residing or having their citizenship in North Korea, as well as for those whose authorized representatives have residence / citizenship in North Korea.
In accordance with the internal policy of the Bank, OTP Bank Romania S.A.:

  • does not process USD money transfers with the following countries: Iran, Belarus, Cuba, Myanmar, Syria, Sudan and Zimbabwe;
  • does not process money transfers in relation to the following banks: Belarus, Belinvestbank (Belarusian Bank for Development and Reconstruction), Belagroprombank Belarus, Sberbank Russia, VTB Russia, Gazprombank Russia, Vnesheconombank (VEB) Russia, Rosselkhozbank Russia;
  • does not process money transfers with banks from Transnistria, which are not supervised by the National Bank of Moldavia.