Current Account and Transactions with Internet Banking

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Between 23rd of November 2020 and 31st of December 2020, the working schedule within all the OTP Bank territorial units will be, from Monday to Friday, between 10 AM and 5 PM.
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Current Account and Transactions with Internet Banking

Your business needs all your support to grow and develop. It's easier to handle all your activities when you have at hand a reliable tool like Internet Banking - OTPdirekt. You have all the advantages of a branch, at just one click away - fast, convenient and completely safe.

You make payments in lei or in foreign currency and exchanges / transfers of amounts between your accounts

Currency exchanges / transfers of amounts between accounts

Manage your finances quickly and easily with MyMentor

What are the advantages of OTPdirekt - Internet Banking?

  • You make payments in lei or in foreign currency and exchanges / transfers of amounts between your accounts;

  • Currency exchanges / transfers of amounts between accounts;

  • You can top up your card whenever you need, even at night or in weekends;

  • Manage your finances quickly and easily with MyMentor.

What other features does the Internet Banking Interface have?

  • Easily schedule payments, recurrence and save time;
  • Upload payments from a file for processing;
  • Payments can be made to accounts opened at OTP Bank or other banks.

Check out the guide: Guide for uploading payments from file.

If you have contracted a Credit Line or Fixed Interest Rates Loan, OTP service, you can make drawdowns from the facilities by simply signing an addendum.

What conditions do you have to meet?

  • The chosen revolving service has been fully used;
  • There are no taxes / fees / interest, arrears / garnishments;
  • All bank fees have been paid;
  • No Event of Default has occurred or is ongoing;
  • Based on the application for the electronic drawdown, specify the intended use of the loan drawdown;
  • The credit line is not part of the Mihail Kogălniceanu programme;
  • The credit line should not have the following condition: the loan contract should not have „100% coverage with debit instruments” and the credit line should not be granted within a certain limit.

View information about debit instruments for payment or receipts:

  • Document type;
  • Document series and number;
  • Bank and name of the beneficiary (for payment instruments) / payer (for receipts);
  • Issue date and maturity (payment);
  • Possible date of receipt;
  • The amount to be paid, respectively the amount the debit instrument was issued for (Amount field);
  • Amount paid (Amount Paid field), respectively Amount Received (Amount Received field) related to the debit instrument.

You have access to information regarding:

  • Type of loan;
  • Loan currency;
  • The amount granted and the current balance;
  • Loan maturity;
  • Loan interest rate and accumulated interest;
  • Next due date and payment amount;
  • In the case of a multi-currency limit, you will receive information on all the credit facilities used.

How does it work?

Follow the tutorials to see just how easy it is to use OTPdirekt - Internet Banking.

How can you apply?

Contact Us

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

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Frequently asked questions

  • You are informed at the beginning of the day on the balance of your current account and you will know how to plan your availability. Opt for regular information: daily, weekly or monthly.
  • You receive an alert when your card or sub-card is used for: payments to merchants, cash withdrawals, but also when you have entered your PIN incorrectly or there are insufficient funds.
  • You receive an alert 3 business days before your deposit expires, regardless of the type of deposit or its maturity option.
  • You will receive an alert after 7:00 p.m. in the event that your account is garnished.
  • You pay your telephone (Orange, Telekom Romania Communications S.A.) and utilities invoices (Harviz Harghita);
  • You can top up your card whenever you need money, even at night or on the weekend;
  • You can invest in open-end investment funds without depending on the timetable of the territorial utilities;
  • You can set up / view / liquidate deposits. Deposits in LEI set up by OTPdirekt - Internet Banking benefit from an interest bonus of 0.20%;
  • You can generate statements of account for up to 12 months;
  • You will find detailed information about the transactions carried out, about the accounts and cards held at the bank;
  • You will find detailed information related to the loans and insurances held, as well as arrears, regardless of their origin;
  • You can carry out transactions benefiting from an extended operating program compared to the bank's counters (even at night or on weekends);
  • Benefit from the security of your service and money from your account by dynamic identification using the token as well as SSL encryption;
  • The payments you make with OTPdirekt - Internet Banking have fees 50% lower than those of the OTP Bank branches;
  • Checking the balance and obtaining the statement of account are free of charge;
  • MyMentor personal finance management instrument, available on the OTPdirekt - Internet Banking Platform.

You receive information about loans and accounts

You have access to information about the loan facilities contracted with OTP Bank:

  • Type;
  • Loan currency;
  • The amount granted and the current loan balance; 
  • Loan maturity; 
  • Loan interest and accrued interest to date; 
  • Next due date and payment amount;

In the case of a multi-currency, multi-option limit you benefit from information on all the loan facilities used within the limit.

You can manage your debit instruments more easily

View information about debit or payment instruments (e.g. cheques, promissory notes, bills of exchange).

Information available for debt instruments received for payment:

  • the type of document (cheque, promissory note or bill of exchange); 
  • document series and number;
  • bank and name of the beneficiary; 
  • the date of issue and the maturity date of the debit instrument submitted for payment;
  • amount that you have to pay („Amoun” field); 
  • amount that you paid („Amount paid” field) under that debt instrument;
  • date and time by which the payment under the debt instrument must be made.

Information available on debt instruments received for collection:

  • the type of document (cheque, promissory note or bill of exchange);
  • document series and number; 
  • bank and name of the payer; 
  • possible date of collection under the debt instrument; 
  • date of issue and maturity date of the debt instrument; 
  • amount for which the debt instrument was issued („Amount” field); 
  • amount collected under that debt instrument („Amount collected” field).

You can make scheduled or file payments

  • You can schedule payments from your current account, whether it's the full availability or the surplus of your account. Thus, the repeated visits to the bank's counters are eliminated;
  • You determine the frequency of payments;
  • You can upload payments from the file for processing (e.g. payment of salaries);
  • Payments can be made to accounts opened with OTP Bank Romania S.A. or to other banks (you cannot import payment files that have their own accounts as their destination);
  • For more details on the way of operation of this option, go to the Guide for uploading payments from the file.

Online uses of revolving facilities

If you have contracted one of the Credit Line or Fixed Interest Rate Loan products, you can perform withdraws from the facilities only by simply signing an addendum. The bank allows their processing after the following conditions are fully met:

  • Revolving Credit Line or Fixed Interest Rate Loan were used entirely; 
  • There are no taxes / fees/ interest arrears / garnishments registered;
  • All fees due to the bank were paid, which became chargeable according to the provisions of the Special Conditions;
  • No Event of Default has occurred or is continuing;
  • Based on the electronically made request for drawdown, the destination of the loan drawdown must be specified, this being in accordance with the provisions of Art. I-1 Object of the Contract related to the Loan Contract;
  • The Credit Line is not part of the Mihail Kogălniceanu programme;
  • The Credit Line does not have as condition, in the loan contract, „100% coverage with debt instruments”;
  • The Credit Line should not be granted within a limit.

Now you have the opportunity to relax and enjoy a much faster and more convenient management of transactions, incomes and expenses with an accessible instrument available on the OTPdirekt - Internet Banking Platform. Using MyMentor, you have access to the following options:

  • Classification of income and expenses;
  • Management and division of transactions into several categories;
  • Automatic classification of expenses incurred through cards; 
  • View graphs of income and expenses.

Is the due date for the payment of the phone bill approaching and the time is too short to go pay it? Access the Operations menu in the OTPdirekt - Internet Banking application, choose Domestic Payments / Transfers and from the drop-down list from Choose Beneficiary select Payment Telekom Romania Communications S.A.

Fill in the fields as follows:

Amount: the amount of payment entered on the invoice;

Payment order number: the number assigned by you to the payment order in order to make the invoice payment;

Name and surname of the invoice holder: the name and surname of the Telekom Romania Communications S.A. subscriber for which the invoice was issued;

Invoice phone number: the phone number of the invoice holder (will be preceded by the prefix);

Billing code (subscriber code): the billing code entered on the invoice.

Payment subject:

  • If the payment is related to the current invoice, then select the Invoice option;
  • If the payment represents the installation fee of the service, then select the Installation fee option;
  • If the payment is related to the termination of the contract concluded with Telekom Romania Communications S.A., then select the Final account option;
  • If you want to make a payment to the Telekom Romania Communications S.A. account before the issuance of the current invoice, then select the Prepayment option;

Due date: the due date entered on the invoice.

It's time to think more about yourself and the future of your business. Choose to enrol in one of the investment funds managed by OTP Asset Management Romania with OTPdirekt - Internet Banking. In order to do this, you must first sign in the respective fund in the branch. On this occasion, you agree to contribute later without filling in the forms at the bank's counter. That's it! From this moment you can contribute anytime, from anywhere, with OTPdirekt in any of the open-end investment funds managed by OTP Asset Management Romania.