Payment account with basic services

Payment account with basic services

OTP Bank supports your trading needs and helps you manage funds and spending effectively. Whether you are a financially vulnerable customer, or if you want an advantageous bank account, we are at your disposal with personalized packages.

Safety

Your money is in good hands.

Unconditional access

Zero additional products.

Gratuities

No costs and fees for certain services.

What can you do with a payment account with basic services?

  • Open, manage and close your payment account;

  • Deposit funds whenever you want;

  • Withdraw cash at the counter or ATMs anytime throughout the European Union territory;

  • You make direct debits, payment transactions (including online) and credit transfers or scheduled payment orders.

What conditions do you have to meet?

  • Not to hold another payment account with basic services at the time of request;

  • Be a legal resident in the European Union;

  • Agree to open your account only in LEI.

Which category of clients do you belong to?

If you have a monthly income that does not exceed the equivalent of 60% of the national average gross salary earnings or if the income in the last 6 months does not exceed the equivalent of 60% of the national average gross salary earnings, you are a financially vulnerable client.

Do you exceed the above-mentioned financial threshold? It means that your financial situation is good and you need a payment account for non-vulnerable clients.

How do you open a payment account with basic services?

Request Call Back

Request Call Back and we will
contact you in the shortest possible time.

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Visit Us

Come to any of our branches with your valid Identity Card in original and request a current account.

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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 www.otpbank.ro 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.

• SWIFT code: OTPVROBU

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

For people aged up to 26 years we offer specific products such as:

• Junior accounts, with a more advantageous interest for the deposited amounts;

• Junior debit cards, attached to the Junior account, specifically created for young people.

Junior accounts are addressed to young people aged 26 and above as follows:

• Junior Start - for children up to 14 years old

• Junior Plus – for teenagers between 14 and 18 years old

• Junior Max – for students aged up to 26 years old.

The benefit to opening such an account is the advantageous interest rate applicable to this account and the possibility of opting for different currencies: LEI, EUR, USD, HUF. At the same time, young people aged 14 may also request the issue of a Junior card related to this account.

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.

No business relationship will be initiated, including the opening of the current account, as well as the acceptance and / or execution of any funds / transactions for the natural persons / legal entities with residence / citizenship in the countries listed here, as well as those whose authorized representatives have residence / citizenship in the countries listed here.

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.