We want to offer you a quality experience in using our services, that is why we have scheduled an update of the computer system. Thus, on the night between May 9 and 10, between 23:30 and 00:30, we will interrupt the card, ATM and POS system of OTP Bank. Find out more.


Personal loans


ONLINE Personal Loan

The online personal needs loan from OTP Bank has everything you need:

  • Fix interest rate starting from 7,99% to 11,99%*

  • Creditable loan amount 1.000 – 66.000 lei

  • LeZero package included (Current account and Mastercard debit card in lei, Internet & Mobile Banking)

More details

Personal Loan

There are times when personal needs are no longer just yours or maybe you wish for a balanced family budget.

  • You do not need an income certificate, if the earnings can be verified in the ANAF database

  • No advance, no guarantor

  • 0% monthly fee for Loan administration

  • You can borrow any amount between 1.000 and 100.000 lei

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Overdraft - current account

If you are under 65 and an income equal to the national minimum wage, you can apply for an overdraft.
  • No income certificate required
  • No need to explain the purpose of use
  • No supplementary guarantees
  • You repay only the interest on the used amount each month
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Mortgage loans

Mortgage Loan

No matter where you are, you feel at ease when you know you are returning home, where you have your loved ones, and the desired comfort.
  • Minimum advance payment of 15%
  • The value of the mortgage loan can be minimum 1.000 EUR, LEI equivalent or maximum 200.000 EUR, LEI equivalent
  • 0% monthly credit administration fee
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New House Loan

Your dream house can finally be yours. Just follow some small steps and then enjoy the comfort of your home.
  • For the New House Loan we are waiting for you in any OTP Bank branch in order to receive the information related to the characteristics of the product, and application

  • You do not need an income certificate, if the earnings can be verified in the ANAF database
  • Minimum advance payment of 5%
  • Maximum repayment schedule: 30 years
More details