Are you looking for a quick, affordable loan?

The OTP Credit package is designed to help you get the money you need under the best possible terms.

 

 

 

What are your advantages?

otp bank

The opening and administration of the current account is FREE;

otp bank

ZERO analysis fee for personal loans;

otp bank

OTPdirekt – Internet Banking - no service activation or maintenance costs; in addition, the first transaction of the month is FREE, for the first 6 months as of contract;

otp bank

Free SMS alerts, for permanent control over your accounts and cards, directly on your mobile phone;

otp bank

ZERO card issuing and administration fee for the debit card included in the package.

 

How can you benefit from the OTP Credit package?

Come to the nearest OTP Bank branch for a meeting and we will discuss about the best loan solution for your needs.

 

Do you want more
details?

See all OTP packages in the comparative table. This will make your decision much easier.

 
  • 1. OTP Savings
  • 2. OTP Credit
  • 3. OTP Employee

OTP Savings

2.

OTP Credit

3.

OTP Employee

BASIC PRODUCTS/SERVICES
Current bank account
  • 0 RON opening and administration fee
OTP Bank
  • 0 RON opening and administration fee
OTP Bank
  • 0 RON opening and administration fee
Debit card
  • 0 RON issuance and administration fee
OTP Bank
  • 0 RON issuance and administration fee
OTP Bank
  • 0 RON issuance and administration fee
OTPdirekt - Internet Banking & SmartBank & Contact Center
  • 0 RON service activation and maintenance fee
  • For the first 6 months: the first RON transaction/month is FREE OF CHARGE(the client will only pay the BNR/Transfond fee)
OTP Bank
  • 0 RON service activation and maintenance fee
  • For the first 6 months: the first RON transaction/month is FREE OF CHARGE(the client will only pay the BNR/Transfond fee)
OTP Bank
  • 0 RON service activation and maintenance fee
  • The first RON transaction/month is FREE OF CHARGE (the client will only pay the BNR/Transfond fee)
FREE OF CHARGE OPTIONAL PRODUCTS/SERVICES
Savings account
  • Attractive interest bonus
OTP Bank
    -
OTP Bank
    -
Automatic saving program
  • 0 RON service activation and maintenance fee
OTP Bank
    -
OTP Bank
    -
Term deposit
  • Attractive interest bonus
OTP Bank
    -
OTP Bank
  • Attractive interest bonus
OTPdirekt – Text message alerts
  • 0 RON service activation and maintenance fee
  • All types of alert are FREE OF CHARGE
OTP Bank
  • 0 RON service activation and maintenance fee
  • Control Cont & Control Card alerts – FREE OF CHARGE
  • Other types of alert – standard price
OTP Bank
  • 0 RON service activation and maintenance fee
  • Control Cont & Control Card alerts – FREE OF CHARGE
  • Other types of alert – standard price
Direct Debit
  • 0 RON for interbanking/intrabanking payments
OTP Bank
  • 0 RON for interbanking/intrabanking payments
OTP Bank
  • 0 RON for interbanking/intrabanking payments
Junior Account
  • Attractive interest bonus
OTP Bank
    -
OTP Bank
    -
Credit card
    -
OTP Bank
  • 0 RON issuance and administration fee
OTP Bank
    -
Overdraft
    -
OTP Bank
    -
OTP Bank
  • Promotional interest
Loan facilities
    -
OTP Bank
  • 0 RON file analysis fee
OTP Bank
    -
STANDARD PRICE
  • From RON 6 /month
OTP Bank
  • RON 7 /month
OTP Bank
  • From RON 0 /month
CHARGED OPTIONAL PRODUCTS/SERVICES
Credit card
  • 0 RON issuance and administration fee
  • You can benefit from a Mastercard Standard credit card, in consideration of only RON 3 /month, plus the standard subscription fee.
  • You can benefit from a Mastercard Standard credit card, in consideration of only RON 3 /month, plus the standard subscription fee.
OTP Bank
    -
OTP Bank
    -
Package for retired persons
  • 50% discount from the standard package price for recommended clients (e.g., parents, grandparents, acquaintances) – for maximum 4 packages
OTP Bank
    -
OTP Bank
    -
Automatic saving program
    -
OTP Bank
    -
OTP Bank
  • 0 RON service activation and maintenance fee
  • You can benefit from this service in consideration of only RON 1 /month plus the standard subscription fee.
  • ZERO RON monthly fee for the first 3 months.
Loan facility
    -
OTP Bank
    -
OTP Bank
  • Promotional interest
  • You can benefit from this service in consideration of only RON 1 /month plus the standard subscription fee

OTP Bank Romania S.A. is participating at the Guarantee Fund for Banking Deposits (FGDB), and their depositors benefit, by compensations payment, of guarantee of the deposits held, within the cover limit established by the law periodically, which is EUR 100,000 (RON equivalent) at the present time, for each account holder. This cover limit was established by the Law no. 311/2015 regarding the deposits guarantee schemes and guarantee fund for banking deposits, published in the Official Monitor no. 918 from December 11, 2015. According to the law, the „deposit” notion represents any credit balance, including due interest, resulted from funds held in an account or from transitory situations deriving from current banking transactions that should be reimbursed by the financial institution, according to the legal and contractual conditions applicable, including term deposits and savings accounts, and the notion „cover limit” represents the maximum level of the guarantee/ per depositor/ per credit institution, applicable according with article 61 paragraph (3) or, after case according with article 62.

Do not fall into the category of deposits, as they were defined, credit balances whose existence can only be proven by a financial instrument, as it is defined in article 2 paragraph (1) point 11 of Law no. 297/2004 regarding the capital market, as amended and supplemented, unless it is a savings product certified by a certificate of existing nominal deposit on July 2, 2014. More information can be obtained by accessing depositors document: „ Information for depositors ”. More details are available on the website: www.fgdb.ro.