OTP Bank offers a wide variety of account management choices to suit your requirements and financial objectives. Choose the option that fits your banking requirements.

Why open a forint account package at OTP Bank?

  • Because with an OTP account, you'll be able to carry out a wide range of financial transactions: besides depositing or withdrawing cash, you can make one-off or regular transfers, set up direct debits, etc.
  • Additional discounts on transfers, cash withdrawals and other services (e.g. SMS control, Savings discount) based on customers' habitual account usage.
  • Our packages offer you a wide range of fixed-term deposit options: 6 or 12 months on variable rates, or 1, 2, 3, 6, or 12 months on fixed rates.
  • By using OTP Bank’s Overdraft, you can access an overdraft facility on preferential terms up to an amount specified in the contract, without needing to request it. The overdraft limit will be regularly updated by an automatic review process. By using your Overdraft, OTP Bank will execute your debit orders, and allow card use and cash withdrawal even when these are not covered by your funds.
  • Using the OTPdirekt Hungarian-language telephone service, as well as the OTPdirekt internet service and the new internet and mobile bank service (also available in English) means you'll be able to manage your everyday finances simply and conveniently, without having to visit a branch.

OTP Retail Account Packages

It is important to mention that OTP Bank is determined to transform the way banking services work and in doing so, we aim to place the relationship between our clients and OTP on a new footing. Base Account is neither a bank account nor a debit card. It is a special service package that gives its clients the flexibility to choose the services they need. Additional discounts or even pre-defined account package offers are available for transfers, cash withdrawals and other services (e.g. SMS control, Savings discount) based on customers’ habitual account usage.

(For further details regarding our retail account offers, please simply click on one of the accounts below. The Product Information contains only the main charges and services; comprehensive information about each retail account offer can be found in the relevant announcement.)

Base account package offers

Bank easily, make your finances more predictable, choose from our renewable discounts and lower transaction costs with our fixed monthly fee services.

  • 5 pre-defined account offers tailored to your banking customs,
  • Account management for HUF 0 for the first six months (when applying for the Trust offer),
  • a debit card (HUF 0 annual fee in the first year),
  • new internet and mobile bank service.

Junior Account (0-24 years)

Financial solution for our youngest clients and their parents to support their first steps in finance.

The offer contains:

  • 0 HUF monthly account management,
  • 0 HUF for debit cards (from the age of 7),
  • 0 HUF for internet and mobile bank usage,
  • 0 HUF for an unlimited number of electronic transfers up to a total of HUF 100,000 per month + 0 HUF direct debitsup to a total of HUF 100,000 per month(from the age of 14 - optional),
  • parental control in internet and mobile bank usage.

Career starter offer

Available to under 28-year-olds with special discounts to support our young clients in the challenging period of starting a career and building their independent life. The offer contains:

  • a HUF account,
  • discounted monthly account management fee,
  • a debit card (free-of-charge annual fee in the first year),
  • 0 HUF for an unlimited number of electronic transfers up to a total of HUF 100,000 per month,
  • internet and mobile bank usage.

Base - S account package offer

An initial offer for those who are looking for a simple, affordable way to manage their finances and make minimum transactions.
The offer contains:

  • a HUF account,
  • age and income-dependent account management fee discounts,
  • a debit card (free-of-charge annual fee in the first year),
  • internet and mobile b usage,
  • after opening an account, additional account package elements can be added through the internet or mobile bank service.

Base - M account package offer

An account package offering a transparent, everyday banking experience that favours digital banking.
In addition to the elements mentioned in the Basic account package offer, this offer includes:

  • a HUF account,
  • age and income-dependent account management fee discounts,
  • a debit card (free-of-charge annual fee in the first year),
  • 0 HUF for an unlimited number of electronic transfers up to a total of HUF 200,000 per month,
  • free-of-charge internet and mobile bank service,
  • after opening an account, further additional account package elements can be added through the internet or mobile bank service.

Base - L account package offer

The account package offer, ideal for those who make several transfers a month and manage their day-to-day finances mainly online.
In addition to the elements mentioned in the Basic account package offer, the offer includes:

  • 0 HUF for an unlimited number of electronic transfers up to a total of HUF 400,000 per month,
  • free-of-charge internet and mobile bank service,
  • Additional discounts above an income of HUF 400,000:
    • a 25% discount on the monthly fee of the transfer account package,
    • a 0 HUF for Rate+ account package item (optional),
    • a 100% discount on optionally linked foreign currency accounts (optional),
  • after opening an account, further additional account package elements can be added through the internet or mobile bank service.

Premium Next Account

Offers a complex banking package for clients with significant savings or income who prefer to manage their everyday finances with a personal Premium advisor:
The offer contains:

  • a HUF account,
  • a foreign currency account (free of charge),
  • a MC GOLD debit card, with travel insurance (free-of-charge),
  • Electronic money transfers (one-time and recurring transfers) up to HUF 1,000,000/month,
  • an ATM cash withdrawal package,
  • Includes Premium service at OTP Bank branches,
  • dedicated investment opportunities.

Minimum Account

A special account package for those who need free-of-charge account management alongside their loan or securities account. However, Transaction packages are not included. The offer contains:

  • a HUF account,
  • a debit card (optional – only Mastercard Online Next debit card which is free-of-charge in the first year),
  • an OTPdirekt service (with limited funcitions).

Smart Account Package

For those who prefer to do all their financial transactions online (internet and mobile banking).

The offer contains:

  • a HUF account,
  • a debit card (free-of-charge in the first year),
  • a free-of-charge OTPdirekt service (internet bank),
  • new internet and mobile bank,
  • min. 2 or up to 5 free savings accounts (free-of-charge account management),
  • free foreign currency account in EUR,
  • several variable preferential packages (for transactions, for cash withdrawals, for domestic transfers, etc.).

How to open?

Who can open a forint account and how?

Any private individual over the age of 18 can open a retail current account (between 14-18 years a parent or a legal guardian is must).
Opening an account is free of charge, and there is no initial deposit required.
Foreigners wishing to open a retail current account will need to present a valid passport or travel document.

OTP branch finder

You can open an account at any branch of OTP Bank dealing with current accounts.

Retail accounts (not available from 12/12/2016)

'Alap' Account Package

More

'Tempó' Account Package

More

'Net' Account Package

More

'Prémium Plusz' Account Package

More

'Jump' Account Package

More

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