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Your card is automatically enrolled in the 3D Secure system so that you can enjoy safe transactions.

Learn more about 3D Secure here.

Yes, you can request a maximum of 2 additional credit cards within the same credit limit.

The shopping card is a payment instrument that has attached a credit limit in LEI provided by the bank based on the net monthly income. An advantage of the shopping card is the ability to shop on 0% interest either through the instalment schedule or through the grace period.

Account overdraft (also called overdraft) is an account facility provided by the bank based on the salary earned on that account and can be up to 6 net salaries. Overdraft may be given in LEI. In the case of overdraft, you can attach a debit card to your account with which you can make payments and cash withdrawals with the fees and charges associated with the card. For these transactions, for account overdraft, you only need to pay monthly the related interest.

If you use the card in another currency, depending on the currency in which it is issued, a currency conversion is made as follows:

1. For transactions made in the currency of the account, the Bank will debit from the account the amount of transactions made in the currency of the account;
2. For transactions made in Romania in currency other than the currency of the account, the Bank will debit the account using LEI as the reference currency. The currency exchange will be made at the rate displayed on the Bank’s website and territorial branches;
3. For transactions made abroad with the Card, the Bank will debit the account using EUR as reference currency, as follows:
   1. The currency exchange between the currency in which the transaction is made and the EUR reference currency is made by the International Mastercard / VISA Card Organization at its rate or from the Settlement Date;
   2. For debiting the LEI account, the Bank uses the Bank's Reference Exchange rate from the transaction settlement day, published on the Bank's website.

Yes. If you wish to use the card issued by OTP Bank Romania at OTP Group ATMs abroad, you will be charged a cash withdrawal fee of only 3.5 LEI/ EUR 1 per transaction.

OTP Group member banks in Europe can be located in countries such as: Hungary, Slovakia, Croatia, Bulgaria, Romania, Ukraine, Serbia and Russia.

Yes, you can make payments with your card once you have selected "Internet payments" upon requesting the card, later via OTPdirekt or at the branch.

The transaction list and account balance of your shopping card are available on the billing statement you receive monthly through OTPdirekt or by email. At the same time, you can find out the balance of the card account at OTP Bank ATMs, where you can also get a list of the last 5 transactions made.

Yes, this card can be used in Romania. When you use it at an ATM, you will be able to withdraw cash in LEI.

Yes, you can use that card abroad for cash withdrawal. In this case, you will receive the currency of the country you are in.

Transaction limits are daily or monthly limits set for your card or subcard issued to your account. They have default values set upon issue, but they can be changed upon request, either through OTPdirekt or at the branch.

The people authorized to sign the income certificate are: the Managing Director, Financial Director, Human Resources Director, Payroll Officer, Accounting Director. It is necessary to fill in the exact position of the person with the right to sign on the certificate.

The OTP-MOL co-brand card is a shopping card that can be used with any merchant in the country or abroad. The advantage of this card is getting double points when it is used at MOL gas stations around the country.

For Multibonus cards, assistance is provided exclusively by MOL Romania through their Customer Service (021) 204.85.26 or 0800 800665 (non-stop).

For OTP-MOL credit cards, please contact OTP Bank "Call Center": 0800 88 22 88 (08:30 a.m. - 09:00 p.m., free from any fixed or mobile network in Romania) - free or OTPBank "Card Services" (021) 308.57.11 (non-stop).

Yes. All cards issued by OTP Bank Romania can be used abroad, regardless of whether they are issued in LEI or in EURO.

People who are under the age of 18 can get a Junior Plus debit card attached to a Junior Plus account. In order to apply for this card, it is necessary for the applicant to go with their parents to an OTP Bank branch and with the ID card.

The grace period applicable to shopping cards means the maximum number of days that no interest is charged for transactions. For example, the 55 days grace period applies to shopping done on the 1st day of the month until the 25th of the following month, which means that you can reimburse the entire amount used for shopping without paying interest until the 25th (next month).

If you are no longer in possession of your card, you need to block the access to your account amounts. You can do this directly from the SmartBank application or by calling 0800 88 22 88 (free from any fixed or mobile network in Romania) or +40 21 308 57 11 (also available from abroad).