JSC OTP Bank is constantly improving the quality of service and taking into the account all of the clients’ preferences. Currently, borrowers can apply for the loan on the territory of Ukraine and manage their credit cards online via free of charge and convenient mobile app OTP Smart. You can apply while being at home or not leaving your office. The Bank’s employees will consider your application in the shortest terms and obtain your credit card.
By applying for the online credit in OTP Bank, the client may receive the following benefits
- Receiving a loan or credit card without an income certificate or pledge.
- An opportunity to order a card with a limit of 30 000 UAH via Internet with a beneficial interest without commission on the cash withdrawal on the territory of Ukraine.
- Beneficial period up to 55 days when paying via goods and service card.
- In order to repay a received loan in Ukraine in any convenient way for You – just visit the department or use the OTP ATM network, via website or OTP Smart app
- An opportunity to increase a loan amount (credit line) if necessary.
Payment on the online-loan service and usage on the card
* cash withdrawal without commission only by the loan balance.
Main opportunities with “Money in the pocket” card
when paying abroad
Get used to the MFI services? Are you considering “quick loans” and express borrowings more beneficial than a cooperation with the large banks? Compare the terms of the two.
Comparative table of online in OTP Bank and in MFI companies
| TERMS | OTP BANK | MFI |
| Timing of the applications revision | Up to 1 hour | starting from 15 minutes |
| Loan issuance without collateral and income certificate | Yes | Yes |
| Maximum borrowing amount | Up to 30000 UAH | Up to 30000 UAH |
| Terms of the loan repayment | Up to 24 months | No more than 2-3 months |
| Interest rate | Up to 5,0 % per month | From 0,01 to 2 % per day |
| An opportunity to use loan funds on the card without interest payment | Constantly during benefits period | Only for borrowing for the first time |
| The age of the borrower | from 25 years old | from 18 years old |
| Loyalty program, auction offers for the permanent clients | Yes | Yes |
As you can notice, receiving express loans in non-banking institutions have no specific advantages. While cooperating with OTP Bank you may receive the same amount of money on the more beneficial terms. Also, a professional service and a high level of security of your personal data are also guaranteed.
You can use OTP credit card loans at any convenient time. You can send the application form on the certain loan online, and the loan itself is provided when establishing a certain amount of credit limit on the client’s card. For the online-credit granting merely all of the OTP’s cards may be used. Additionally, you will receive your money in 15-20 minutes after the application fulfillment.
online payments
ОТР Smart
for the instant card recharge
OTP Bank provides the most transparent lending terms and beneficial interest rates. The debt repayment via online services or a total sum early return are as easy as to fill in the application form. This can be done without a commission payment, and any other types of payments. It is enough just to make a necessary payment to the respective account via ATM, app, website or via Bank department.
If you do not possess our credit card
Fill in the form on the website to open an account in OTP Bank
Get a Bank decision during a day
For free in any of the Banks departments
What are the other cities where I can obtain a credit?
Is there no opportunity to hold an in-person meeting with a loan manager and to obtain a loan in the bank department? You can apply for the loan via online services, while being in any place on the territory of Ukraine. Just in 15-20 minutes after its revision, the ordered amount will arrive.
Tariffs on the services via payment card “Money in the pocket” 
