Your benefit with credit card «Mani na Karmani»
Withdrawal of credit funds in all ATMs of Ukraine
Free sms service
Free card service
Card parameters
Grace period to 55 days
Contactless purchases PayPass, Apple Pay, Google Pay
Free purchase in markets, online and abroad
Credit limit 30 000UAH
Tariffs for card services
General parameters
Card opening free
Sms service free
Card replenishment / replenishment by OTP Smart and cash-in ATM free
Cash withdrawal
at ATMs and cashdesk of OTP Bank free
in ATMs of other banks of Ukraine free
in ATMs abroad 4%+32 uah
Credit limit
The size of the credit limit in the amount 1 000 uah – 30 000 uah
Credit limit term up to 12 months (with the possibility of automatic prolongation)
Credit line service fee free
Interest rate in grace period, per year 0.01%
Interest rate in no grace period, per month 5%
Monthly payment min 7%
Real annual interest rate, annual 79.58%

Your additional benefits with Mani na Karmani

Manage your finances from anywhere throughout the world

  • setting/changing a pin code for your card
  • card activation/blocking, limits change
  • utility payments, mobile communication, Internet
  • 24/7 transfers

Frequently Asked Questions
How can I funding my card account?

  • In UAH: in OTP Bank Branch by cardholder or third party
  • In foreign currency: in OTP Bank Branch with a power of attorney by the cardholder or third party
  • In card account currency by cardholder: through OTP Bank ATM with cash-in functionality

Cashless funding card account possibility:

  • In UAH: by the Money Transfer through any Ukrainian Bank, including OTP Bank
  • In foreign currency: by the Money Transfer in card account currency through any Ukrainian Bank (including OTP Bank), and also cross-border Money Transfer
  • By the Money Transfer from own card or current account through the OTP Smart System

How can I used my credit card?

You can used your payment card for ATM cash withdrawal, cash manual, cashless payments in retail outlets, online shopping (Maestro card except), booking hotels and car rent.

Card activation

  • You should to sign on special stripe, which located on the back of the card
  • You should to activate your payment card in ATM with correct PIN entire, or you can contact 24/7 customer support by the phone number +380 44 490 0529 (this telephone number also specify on the back of the card).

I will pay by card in currency, which is different of the card account currency. How it will be settle?

If transaction currency is different from card account currency, payment system (Visa International, Master Card WorldWide) independently converts transaction currency in the billing currency during operation (by payment system rate, which have been set up on the operation date currently) after this Bank convert billing currency in card account currency by the Banks rate, which have been rate on the settlement date currently.

I’m going abroad, will my payment card work there?

Yes, of course, your OTP Banks payment card – Is International payment card, that’s why, you can use your card in all country, which have payment system logo in payment or cash withdrawal point. Ensure before arrival abroad that your card is active and have valid expiry date. For this purposes, you should call to the 24/7 customer support by the phone +380 444 9026. Also, advisable to inform customer support about country and duration of your trip (It will help Bank to increase safety measures for your payment card in host country).

What should I do in loss card case?

In case of loss, theft, pick-up card by ATM or in case of spread of information about card details or PIN-code to the third parties, you should contact immediately to 24/7 customer support by the phone +380 44 490 05 26 for card blocking and additional information.

Recommendation! Remember or write down customer support phone number for prompt communication with your Bank.