Are you planning a trip abroad? Take an OTP Bank card with you!
With an OTP Bank card, you can pay for purchases and withdraw cash anywhere all over the world!
Please let us know if you are going abroad to avoid unnecessary hassles during your trip. To do this, we will make the necessary settings so that you stay safe and have access to your accounts.
Important! If your card is opened to the company's corporate account, we recommend contacting the Help Center to enter information on using the card abroad..
What one should do before using the card abroad?
- Check OTP Smart/OTP Bank UA internet banking access from your devices before your trip.
- Set the PIN code in the application. Check if you remember the PIN code. If you have not used the card before, install it in the application. Activate your payment card at an ATM in Ukraine - withdraw cash or check your balance.
- Standard transaction limits are applied abroad. Check or change limits via the OTP Bank UA app.
How does the conversion work when paying in another currency?
When making payments abroad or via the Internet on foreign sites:
- A transaction amount is blocked at the exchange rate effective on the transaction day. Information about this amount is delivered via SMS or push messages.
- Within 2-5 days, the amount is debited at the exchange rate effective on the day of debiting.
- If an exchange rate has changed during these days, a debit amount will differ from a blocking amount due to the exchange rate difference. A write-off amount will decrease or increase according to exchange rate fluctuations. You will not notice the changes if there were no significant fluctuations in the currency market.
Will the conversion fee be charged?
For payments in foreign currency with Mastercard cards in hryvnia, an additional 2% is blocked. This allows reducing the exchange rate difference between the Mastercard rate and the Bank rate, which minimizes losses at the write-off stage.
Also, a fee may be charged for cash withdrawal operations according to tariffs. You can learn more about the card tariffs by following the link.
There is no commission fee for direct conversion operations.
Where can I find conversion rates?
You can find currency conversion rates for IPS Visa here, and MasterCard here. The commercial rate of OTP Bank is here.
During debiting for card payments, the conversion will be carried out as follows:
|
ACCOUNT CURRENCY OF |
TRANSACTION CURRENCY |
IPS VISA |
IPS MASTERCARD |
|
UAH |
UAH |
no conversion |
no conversion |
|
UAH |
USD |
the Bank`s rate |
the Bank`s rate |
|
UAH |
EUR |
the Bank`s rate |
the Bank`s rate |
|
UAH |
Another currency |
in $ at the Visa rate; |
in $ at the MC rate; |
|
USD |
UAH |
the Bank`s rate |
the Bank`s rate |
|
USD |
USD |
no conversion |
no conversion |
|
USD |
EUR |
the Bank`s rate |
the Bank`s rate |
|
USD |
Another currency |
in $ at the Visa rate |
in $ at the MC rate |
|
EUR |
UAH |
the Bank`s rate |
the Bank`s rate |
|
EUR |
USD |
the Bank`s rate |
the Bank`s rate |
|
EUR |
EUR |
no conversion |
no conversion |
|
EUR |
Another currency |
in $ at the Visa rate; |
in $ at the MC rate; |
Rate of exchange cancellation of * on card accounts as of:
* The stated exchange rates are effective on the date of their publication by the Bank on the Bank's Official Website and are valid until the entry into force of the new order approved by the Bank regarding currency exchange rates, which will be published on the Bank's Official Website.
MПС Visa, Mastercard
