Sberbank Online is a convenient service that allows you to pay loans in other banks. For example, if you have a loan from OTP Bank, but at the moment there is no possibility of repayment through your own system, you can always use Sberbank Online. It is fast, convenient, and also quite profitable, since a low commission is charged for such operations.
OTP Bank today is recognized as one of the largest banks in the Russian Federation. Its undoubted plus is the low interest rate provided to clients on the loan. Also, OTP offers users a variety of ways to repay a loan. One of these is payment through the online systems of other banks. In particular, Sberbank.
Algorithm for paying a loan from OTP-bank through Sberbank Online
To make a payment, you must register in the system, if it has not been done before. The password and login from the Sberbank account can be obtained in the following ways:
1. With the help of a bank employee in any of the branches.
2. Via SMS.
3. Via a bank terminal.
As soon as the password and login are received, you must go to the official page of Sberbank. Then click on “Sberbank Online. Login”in the upper right corner of the window. After the login and password are entered, the entrance is confirmed by the number received in the SMS message, and the user is directed to the page of the online banking system.
To transfer the required loan amount, you first need to select the account from which the funds will be debited. These can be:
- User's debit card.
- Current account opened with Sberbank.
And only after choosing an account, you can go to the payment page.
There are a lot of different services on the main page of the system, which at first can be slightly disorienting. And no wonder. Sberbank Online is a system that allows you to perform a huge number of various operations. Loan payment is located in the "Payments and transfers" tab.
Then you need to find the item "Transfer to the account", and then - "To the accounts of other banks." A payment order will appear on the page, where a mark will appear that payment will be made to the account of OTP bank. The user should only indicate all the required details:
1. Name of the borrower.
2. The required amount to be deposited into the bank account.
3. The number of the account from which the payment will be made.
4. Account number to which funds should be transferred.
5. Bank details (TIN, BIK).
Before submitting the completed form, it is recommended that you carefully check everything so that you do not have to contact Sberbank for a refund later.
As soon as the payment order is filled in and sent, the Sberbank Online system will redirect the user to the transaction confirmation page. It is necessary to re-check all the entered data, and then confirm the money transfer.
Important points of the Sberbank Online system
It should be remembered that for transferring funds to pay for a loan in another bank, Sberbank takes a percentage (usually 1% of the total amount). This commission is included in the payment, and is also communicated to the user before the sent data is sent for processing. This allows you to adjust the amount of money deposited in time.
Another important point is that payment is not made immediately, but within five days. Moreover, only working days are counted. It is important to take this into account so that there is no delay in repayment of the loan.
The Sberbank Online system also provides users with a convenient option - auto payment. This allows you not to worry about repaying the required part of the loan on time. The system itself on a predetermined day will write off the required amount from the account and transfer it to the account in OTP Bank.
