With the help of an interest rate swap, you can exchange a variable rate loan for a fixed rate loan or vice versa. By fixing the interest rate, you can make your future cash flows predictable. In an IRS transaction, only cash flows change hands, accounting for the difference net.


  • Interest rate swaps can provide a predictable cash flow in interest, credit or liquidity management activities.
  • It can be concluded to cash flows with different maturity (amortization).
  • It can also be taken out on loans or fixed-term deposits with other banks.
  • You can start the transaction today or even to hedge the risk of your cash flows due in the future.
  • At any time before the maturity of the transaction, it can be partially or fully closed by a reverse transaction, the value of which depends on the current interest market environment.


  • If you replace the variable interest payment with a fixed interest payment, you will no longer be able to benefit from a further reduction in the yield curve.
  • If you replace a fixed interest payment with a variable interest payment, your protection against the rise in the yield curve will be removed.
  • When you close an interest rate swap early, you may incur a profit or loss depending on current interest rate market developments.

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If you have any questions, feel free to contact us.

Useful documents

These documents in English language to the person concerned shall be for information purposes only. OTP Bank Plc shall fulfil its obligations imposed by the legal regulations or requirement of supervisory authority by the documents in Hungarian language.
In the event of any discrepancy between the English language and Hungarian language versions, the Hungarian language version shall prevail.

Information on the suspension of the market making obligation (available only in Hungarian)

Commodity swap

Cross-Currency Interest rate swap

Dual currency structured investment

Foreign exchange option

Foreign exchange swap

Forward deal in precious metals (gold and silver) transaction

Forward foreign exchange

Interest rate option

Interest rate swap

Long-Term Investment Account T+3 FORWARD

Spot securities transaction

Stock exchange futures

Stock exchange spot transaction

Securities Lending Transaction

Foreign exchange Orders

Subordinated Securities

EMIR Announcement

EMIR Information for Clients

Notice on the uEMIR Notice se of LEI CODES

Disclosure of information pursuant to Article 11 (11) of the EMIR Regulation

Information for Clients on MiFID

Global Markets ex-ante cost transparency information (available only in Hungarian)

The data to be published on the quality of execution of transactions according to Commission Delegated Regulation (EU) 2017/575 (available only in Hungarian)

Information on the identity of execution venues and on the quality of execution according to Commission Delegated Regulation (EU) 2017/576 (available only in Hungarian)

Systematic internaliser - quotes

Notice on the use of LEI CODES

Direct and indirect clearing services in respect of certain derivative transactions announcement

Key Information Documents – PRIIPs KIDs

Notice - on the impacts of the pandemic emergency on the money and capital markets

Notice - on the collateralisation of long-term investment combined securities account and long-term investment securities account - cash accounts

Notice - about transactions in chinese yuan (RENMINBI)

Terms and conditions and Announcements

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