Frequently asked questions

It is natural and necessary to declare income in relation to a financial institution. According to the law, the bank has the duty to request this data. Although it may seem like sensitive information, it remains confidential and complies with GDPR regulations. In addition, knowing the income of our customers helps us to offer them products and services that best suit their needs, but also to ensure the conduct of operations through accounts opened with the bank in legal conditions.

The source of wealth is different from the source of income, and this information is required in various situations, but especially to publicly exposed persons and residents or citizens of high-risk third countries, according to the list https://www.otpbank.ro/sites/default/files/assets/documents/Lista-tarilor-pentru-care-banca-solicita-documente-justificative-in-vederea-procesarii-platilor_0.pdf. 
The bank has the obligation to request this information according to the provisions of art. 17 of Law 129/2019.

The information about the level of assets to be traded by a client or the size of the transactions already performed are necessary for assessing the risk of money laundering and terrorist financing, according to Law no. 129/2019, art. 11, para. (6). 

It may take longer to open an account if we do not receive all the required documents or additional checks are required.

In accordance with the provisions of Chapter IV - Measures to know the clientele, from Law no. 129/2019, the bank has the obligation to apply measures to know the appropriate clientele from the perspective of the risks of money laundering and terrorist financing. Thus, in order for the account to be opened in the shortest possible time, it is important to receive all the information and documents requested in accordance with the legal provisions.    

The beneficial owner is any natural person who ultimately owns or controls the client and / or the natural or legal person in whose name or interest a transaction, operation or activity is carried out, directly or indirectly.

The bank has the obligation to understand the ownership and control structure of the client and to establish what is the shareholding structure of a company in accordance with art. 11 and art. 17 of Law no. 129/2019. This approach can only be done by presenting the complete documentation in order to identify the real beneficiary.

OTP Bank Romania does not offer banking products to legal entities that do not provide the necessary information and / or documents in order to identify the real beneficiary.

OTP Bank was not able to assess the purpose and the nature of the business relationship, in accordance with the provisions of art. 11 of Law no. 129/2019 or not all the documents / information requested by the bank were provided in order to successfully apply the customer awareness measures.

Banks are obliged to obtain information in order to establish whether a client or the real beneficiary is a publicly exposed person, in accordance with art.8 par. (1) and (3) of the NBR Regulation no. 2/2019, in order to prevent and combat money laundering and terrorist financing.

The bank cannot know if the personal data has changed or not without a confirmation from the customer. The data is updated periodically, respectively whenever the bank's analysis shows that it is necessary, depending on the specifics of each client.

The bank is obliged to ensure that the documents, data and information held about the client are up to date and relevant, in accordance with art.11 paragraph (1), letter d) of Law no.129 / 2019. Also, according to art.11 paragraph (9), when the bank is not able to apply the measures to know the clientele, it will not open the account, nor will it initiate or continue the business relationship with the client.

According to the provisions mentioned in the NBR Regulation no. 2/2019 art. 8 “(1) In the application of art. 11 para. (1) and (3) and art. 15 para. (1) lit. a) and c) of Law no. 129/2019, when establishing a business relationship, the institutions must obtain, in order to determine the risk profile of the individual client, information on at least the following: (...)
f) the occupation and, as the case may be, the name of the employer or the nature of his own activity;
(...)
i) the source of the funds to be used in the conduct of the business relationship; ".

According to Law no. 129/2019, art. 15 “(2) In the case of foreign legal entities, a translation into Romanian of the documents provided in par. (1) lit. b), legalized in accordance with the law. "

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 RON 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: RON, 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.

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.

If your transaction contains in the fields  as “Bank’s country” or “Beneficiary’s country” one of the countries listed within the list of countries for which the bank requests supporting documents in order to process money transfers, please submit your documents to the bank by uploading them in OTPdirekt app, or e-mail them at documentejustificative@otpbank.ro. If failing in doing so, the bank will not be able to process the operation. No business relations shall be initiated, including the opening of a current account, as well as the acceptance and / or transfer of any funds / transactions for individuals / legal entities residing or having their citizenship in North Korea, as well as for those whose authorized representatives have residence / citizenship in North Korea.
In accordance with the internal policy of the Bank, OTP Bank Romania S.A.:

• does not process USD money transfers with the following countries: Iran, Belarus, Cuba, Myanmar, Syria, Sudan and Zimbabwe;
• does not process money transfers in relation to the following banks: Belarus, Belinvestbank (Belarusian Bank for Development and Reconstruction), Belagroprombank Belarus, Sberbank Russia, VTB Russia, Gazprombank Russia, Vnesheconombank (VEB) Russia, Rosselkhozbank Russia;
• does not process money transfers with banks from Transnistria, which are not supervised by the National Bank of Moldavia.

Yes, money deposited in a savings account can be used at any time. You will still receive the interest calculated for the amount you have in your savings account.

Interest is calculated based on the daily amount you have in your account and is transferred into your savings account at the beginning of the following month. The interest rate is variable and varies depending on cumulative instalments.

To open a deposit account with OTP Bank, you need at least 100 LEI, 100 EURO, 100 USD, 100 GBP or 25,000 HUF. To find out the interest rate level applied depending on the amount deposited and the maturity period, go to this link.

Interest on deposits is fixed and applies to the amount in the deposit account for the selected period.

You can withdraw interest monthly only if you opt for the following options:

• Deposit in LEI, EUR, USD, HUF, GBP with one month maturity;
• Deposit in LEI, EUR on 3 and 6 months with fixed interest and monthly interest payment.

For Loan approval, your minimum net monthly salary must be 2.079 lei. If you earn income from multiple employers, it is acceptable to cumulate them as long as at least one of the earnings is the equivalent of the national minimum wage.

The authorized persons are: General Director, Financial Director, Human Resources Director, Payroll Officer, Accounting Director. It is necessary to complete the exact position of the person having signatory right on the certificate.

If you are a retiree and your retirement decision is final or reviewable*, depending on your needs and plans, you can apply for personal Loan for retirees, under favourable conditions or, depending on the amount wanted, home equity Loans or Mortgage Loan. You should also take into account the characteristics of the respective Loans, presented on their pages.

* In the case of a periodic review pension, the Loan will be granted only for a period equal to the number of months remaining until the decision expires, observing the minimum duration of the product.

In the case of Loan for the purchase of dwellings, it is necessary to insure the real estate during the entire lending period (facultative insurance policy and mandatory PAD policy).

To pay your Loan rates, you can either go to OTP Bank branches or make transfers to your current account (where the required amount will be withdrawn at due date). If the Loan is in a currency other than the one in which the current account was opened, the foreign exchange will be automatically made at the due date.

In order to be Mortgaged, the dwelling must meet the following criteria:

• to represent a property for housing: house, villa, apartment;
• to be unencumbered;
• to be included in the civil circulation;
• to be located in the locality;
• not to be damaged, incomplete or in an advanced stage of wear.

The credit funds granted will be transferred to the seller's account (opened free of charge for him) and the withdrawal fee from the current account of cash for payments coming from Mortgage Loans is set at 0%.

The utility bill is required to be able to check the home address that appears on your Identity Card. It is not mandatory for the utility bill to be on the applicant's name. Instead it is also accepted the documents of ownership.

Yes, you can apply for a Loan together with another family member. Both applicants must meet the eligibility criteria for the respective Loan.

You can use the refinancing procedure from OTP Bank if you have a history of at least 6 months with the current Loan and it is:

• personal Loan with / without Mortgage;
• Mortgage Loan for the purchase of dwellings;
• credit card;
• overdraft account.

Interruptions on the Employment Record Book are the time period you have not had a professional activity. The following are not considered to be interruptions: maternity leave, sick leave, military service, study leave, temporary working disability leave.

Yes, you can repay the loan in advance, and the early repayment can be total or partial. 

We are waiting for you with your identity document in the nearest OTP Bank Romania branch to do the related operations.
 

Yes, parental allowances are accepted for Loan applications.

If the client receiving income only from parental allowance is not eligible, it is also necessary to bring a main income for personal Loans.

Under these circumstances, you may request a Loan for the maximum remaining period until the expiration of the employment contract, observing the minimum duration set for the respective Loan.

In order to obtain information about our Loans, you must visit any OTP Bank unit or contact the Call Center service at the following telephone number: 0800 88 22 88 (free of charge from any fixed or mobile network in Romania) or at +4021 308 57 10 (also from abroad) from Monday to Friday between 8:30 and 21:00.

In order to know what the maximum amount you can obtain is, ask for an informative budget calculation based on net monthly earnings. If you meet the lending conditions and decide to apply for such Loan, it is necessary to come to any OTP Bank unit with the required documents for the Loan.

The steps for contracting a Loan are:

• performing the preliminary calculation and signing the necessary documents in order to generate the customized offer;
• submitting employee records for case analysis, if applicable;
• submitting documents for the real estate / land and performing its assessment - for Mortgage Loans;
• signing the Loan agreement;
• signing the sale and purchase contracts and the Mortgage (made at the OTP Bank branch) and payment to the real estate / land seller - for the Mortgage Loans.

It's very easy to get into the 3D Secure system! Learn how, by accessing the links below.

Visa: click here

Mastercard: click here

The next step is going through the card activation process.

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

The shopping card is a payment tool that has a credit limit in LEI attached, provided by the bank based on the net monthly income. The ability to do your shopping with 0% interest, either through the instalment program or through the grace period is an advantage.

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

If you use the card in another currency, a currency conversion is carried out as follows, depending on the issued currency:

1. Regarding transactions carried out in the currency of the account, the Bank will debit the amount of the transactions made in the account currency;
2. Regarding transactions carried out in Romania in a different currency than the account currency, the Bank will debit the account using LEI as the reference currency. The currency exchange between the transaction currency and the LEI reference currency is carried out by the International Mastercard/Visa Card Organization at the settlement rate or date;
3. Regarding transactions carried out abroad by Card, the Bank will debit the account using the EURO reference currency as follows:
   1. The currency exchange between the currency of the transaction and the EURO reference currency is carried out by the International Mastercard/Visa Card Organization at the settlement rate or 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/1 EURO per transaction.

You can find OTP Group member banks in Europe 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 transactions list and account balance associated to your shopping card are available on the billing statement you receive monthly through OTPdirekt or via email. Furthermore, you can find out your account balance at OTP Bank ATMs, where you can also get a list of the last 5 transactions performed.

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).

Because you can pay your loan instalment without having to come to the bank's counter, but also to take advantage of all the benefits of OTPdirekt - Internet Banking and SmartBank.

No, there are no costs for online transfers via Money Magnet.

The online money transfer is made instantly, if you make the payment until 20.00. Learn more about the Payout Program.

You have several advantages, not just one. You benefit from all the advantages offered by OTPdirekt - Internet Banking and SmartBank. We will briefly tell you only three of them, and we will let you discover the rest yourself:

• deposits made through Internet Banking and SmartBank have higher interest than at the counter;
• you get reduced fees for cashier's office payments;
• you can manage yourself the SMS alerts for your own accounts;
• you have a 0% transfer fee, when paying the installment.

In order to make an online transfer via Money Magnet, you must meet the following conditions:

• to be OTP Bank client;
• to hold the OTPdirekt - Internet Banking and SmartBank service;
• to hold a debit card from another bank on the territory of Romania (no transfers can be made using OTP Bank cards).

Yes, the limits imposed by the bank are:

- The minimum amount of a transfer is 1 leu, the maximum is 10,000 lei.

Yes, up to 3 transfers per month with a maximum cumulative amount of 10,000 lei can be made.

In order to see if a transaction has been completed, you can choose one of the following:

• Check the transaction status in the Money Magnet option.
• Go to the Accounts - My Accounts menu and select the account in which you made the transfer to see your transactions;
• Go to the Accounts - Transaction history menu and select the account in which you made the transfer to see the transactions made to that account.

The transfer can be made only in lei.

You have to make sure you have the following active options on your card:

• the card is active for internet payments;
• is enrolled in 3D Secure.

You also need to know the limits of your internet payment card. If you do not know the above information, please contact the card issuing bank.

After signing an OTPdirekt contract beforehand in the branch, access is made as follows:

• OTPdirekt - Internet Banking can be accessed on the Internet at www.otpdirekt.ro dedicated page or by visiting the bank's website www.otpbank.ro, choosing one of the two methods of identification „with card” or „without card”. The „card” identification method involves entering the last 10 digits of the bank card and the 3-digit access code. The „no card” identification method involves entering the client code, user, and 3-digit access code. After entering the data from the first identification step, you can enter the digits generated by the physical token or received via SMS, in the case of virtual token identification, to access all of your accounts and make transactions.
• OTPdirekt - SmartBank can be accessed directly from the available Android / iOS App or by accessing the m.otpbank.ro mobile site, choosing one of the two „card” or „no card” identification methods. The „card” identification method involves entering the last 10 digits of the bank card and the 3-digit access code. The „no card” identification method involves entering the client code, user, and 3-digit access code. After entering the data from the first identification step, you can enter the digits generated by the physical token or received via SMS, in the case of virtual token identification, to access all of your accounts and make transactions.

OTPdirekt - Contact Center, Internet Banking, SmartBank and Push notifications / SMS Alerts are available to any client, individual, legal person or authorized person who has a current account with OTP Bank and has concluded an OTPdirekt contract.

The access code can be changed as often as necessary. You can also use this option if you think the current code no longer offers the desired security level. At first use it is mandatory to change the access code from its default value so that it is only known by you. Also, to use OTPdirekt - Internet Banking safely, the Application will ask you to change the access code once every 6 months.

Yes, through OTPdirekt - Internet Banking and Contact Center you have access to payments and transfers both in LEI and in currency between your own accounts, as well as to other OTP Bank clients or other banks clients (domestic and foreign). OTPdirekt - SmartBank also offers you the possibility to make intrabanking and interbanking payments and transfers in lei, as well as intrabanking in currency.

Yes, the OTPdirekt service is secure. The security certificate is provided by VeriSign (http://www.verisign.com), world leader in Internet security. Also, communication between your workstation and your bank is performed on an encrypted channel using the 128-bit SSL standard.

Payment of bills to utility providers is possible, and the menu that will be accessed from Internet Banking is Operations - Utility Payments. They can also be accessed via SmartBank using the „Payments” menu, the „Utilities” section or by calling the Contact Center.

This service is available from anywhere, both in the country and abroad, via the www.otpbank.ro website, through native Android or iOS Apps.

If Internet access is temporarily unavailable, you can do the same range of transactions based on the same subscription and the same identification process that you make on the website through our Contact Center channel (only for OTPdirekt clients, type A and bank card). Your call will be taken over by a specialist operator who will perform the operations based on your consent. The available telephone numbers for contacting the Contact Center are:

0800 88 22 88 (free of charge, available from any fixed or mobile network in Romania)

021/308.57.10 (also available from abroad).

In order to become an OTPdirekt subscriber, it is necessary to:

• be an OTP Bank client,
• sign an OTPdirekt contract.

The form is available in all OTP Bank branches in the country.

Depending on the chosen OTPdirekt contract type, there may be transaction limits of LEI 50,000 or EUR 10,000 per transaction, or there may be no transaction limits.

If access was locked by entering the 3-digit access code incorrectly, please contact us at 0800 88 22 88 (free of charge from any fixed or mobile network in Romania) or at +4021 308 57 10 (Monday to Friday 8:30 - 21:00, also from abroad). In addition, in the Internet Banking interface, the client benefits from the ability to set security questions so that unlocking of the access code can also be made online.

A necessary condition for running the Internet Banking Application is to enable JavaScript in your browser. To verify / enable this option, make the settings according to the used browser:

• Internet Explorer – Tools/Internet options/Security (tab)/ Custom level/ Scripting – Active/Scripting: Enable.
• Mozilla and Netscape – Edit/Preferences/Advanced/Scripts&Plug-ins/Enable JavaScript for Navigator.
• Opera - Tools / Preferences / Multimedia / Enable JavaScript.

For SmartBank service, the phone's operating system needs at least Android 5.1 or iOS 4.

Communication between your workstation and your bank is made on an encrypted channel using the 128-bit SSL standard.

The browsers that are certified by the Internet Banking Application are:

• Internet Explorer 6.0
• Mozilla 1.7
• Netscape 7.0
• Opera 7.0

The optimal screen resolution is at least 1024 x 768 pixels with a colour depth of at least 16 bits.

You can use the OTPdirekt service to make transactions via Internet Banking or SmartBank even on weekends, processing taking place on the first bank business day. For more details, see the „Accepting programme and maximum time line for executing operations” for Internet Banking by going to the „Useful Tools” section after login.

If you want to use this service, refer to the:

• video tutorials
• user manual

or call us 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).

If you have a debit card attached to that account, your balance can be found free of charge either on the www.otpbank.ro website or by calling 0800 88 22 88 (free of charge from any fixed or mobile network in Romania) +4021 308 57 10 (also available from abroad), being necessary the last 10 digits of the card number and a 3-digit access code. You can also activate your Push Notifications / SMS Alerts service and you will always be aware of your account status.

In order to obtain the supporting document following operations made through the OTPdirekt channels, it is possible to verify the transactions in the account statement available in OTPdirekt - Internet Banking, the Statements and Proof of Payments menu. For payments in foreign currency, there is a requirement for the client to bring the Foreign Payment Order / Payment Request within 10 days, in duplicate. One of the copies, with the signature of the bank employee and the bank stamp, remains with the client and the other with the branch.

In order to use it, you do not need to install a program on your personal computer. It is enough to enter OTP Bank's website, www.otpbank.ro, and follow the identification steps. The physical token device is used by pressing the button on its front, automatically generating the related unique code; in the case of the virtual token, the unique code is transmitted by SMS to the mobile phone number specified when signing the OTPdirekt contract.

With this service you have access to three channels of use: Contact Center, Internet Banking and SmartBank. Through Contact Center and Internet Banking, you will have access to all your current accounts in lei and foreign currency, savings accounts, deposits, related credit card accounts, information regarding ongoing loans with OTP Bank. With SmartBank, you can access your current accounts in lei or foreign currency, deposits, or information regarding savings account balance.

To verify if the payment has been made, on the main screen, if that payment is one of the last 10 transactions made, or in the Accounts - Operations History menu.

Is the due date of the telephone bill approaching and the time is too short to go pay it? Everything is simpler when you can rely on a trust service. All you need to do is access the OTPdirekt - Internet Banking App Operations menu. Choose Domestic Payments / Transfers and from the drop-down list of Choose beneficiary select Payment Orange Romania Communications S.A.

Fill in the fields as follows:

Amount: The amount to pay on the invoice;

Payment order number: The number that the payment order has been allocated to you for the payment of the invoice;

First name and last name of the invoice holder: First name and last name of Orange Romania Communications S.A. subscriber for which the invoice was issued;

Invoice telephone number: Invoice Holder's telephone number (preceded by the prefix);

Invoicing code (Subscriber code): Invoice code entered on invoice.

Object of payment:

• If the payment is related to the current invoice, then select the option Invoice;
• If the payment is the installation fee for the service, then select the Install fee option;
• If the payment is due to the termination of the contract with Orange Romania Communications S.A., then select the Finall account option;
• If you wish to make a payment to Orange Romania Communications S.A. before issue of the current invoice, then select the Prepayment option;

Due date: Due date entered on invoice.

The payment schedule provides detailed information about the amount of the fees, the rescheduled fees, the rescheduled interest due to the bank according to the loan contract. This information can be found in the document generated by pressing the Generate Payment Schedule button. Downloading the Payment Schedule can only be done from OTPdirekt - Internet Banking.

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.

Yes, an opened currency account is required to make the transfer.

MoneyGram is a fast money transfer service anywhere in the world. It has over 92,000 agents in 170 countries and gives you the possibility to receive or send cash anywhere abroad / from abroad in 10 minutes without the need for a bank account or credit card.

No. If you make a MoneyGram transfer, you can benefit from free of charge opening of a current account and free of charge issuance of a Flat Mastercard debit card.

The Identity Card it's enough in order to send money to any place in the world that has the MoneyGram logo.

With MoneyGram you can receive or send money anywhere in the world in just 10 minutes!

No. In order for the recipient to be able to collect the sent amount of money, he / she must go to any MoneyGram office, anywhere in the world, with the valid identity card. The recipient must know the unique reference number you received from the MoneyGram agent.

The money is handed over on the spot after the requested information has been submitted, without any other tax or fee.