Forint Account Packages
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 internetbank and mobile bank services (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),
- internet and mobile bank service.
Overdraft facilities
Do you ever spend more than your account "allows"? Do you sometimes need to borrow relatively large amounts to tide you over? We recommend our popular overdraft facility.
- It carries a relatively low rate of interest, and is conveniently secured with your salary transfers or your time deposit.
- When you open an account, you automatically become eligible to apply for credit, and, after the credit line has been approved, your overdraft limit is automatically adjusted - in line with your credit rating - at regular intervals by the Bank without your being charged a credit appraisal fee.
- It can be used at will, as following the conculsion of the overdraft agreement, you can use the credit limit without having to make any additional requests or loan applications, regardless of whether you are making a purchase, withdrawing cash with your card, or making a transfer from your account.
- It can be repaid simply and conveniently, since the overdraft is "replenished" automatically from the transfers arriving into your Retail Current Account.
- It is a form of revolving credit, which means that the amount of the credit line that is repaid can be used again and again within the validity period of the overdraft.
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.
OTP GO 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.
Basic Account Package
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 bank usage
- after opening an account, additional account package elements can be added through the internet or mobile bank service.
OTP TOP account package offer
An introductory offer for those looking for a simple and cost effective way to manage their everyday finances online, with the added benefit of a fee free first year for new OTP customers.
This offer includes:
- no account management fees in the first year for new customers,
- No HUF account has been held with OTP Bank in the past three months
- A minimum monthly incoming transfer of HUF 150,000 is credited to the account
- Consent is given to receive marketing communications - online transfers up to 400,000 HUF per month, free of charge,
- direct debits up to 60,000 HUF per month, free of charge,
- complete access to internet and mobile banking without a monthly fee, free push notifications, and discounted SMS fees,
- favourable FX conversion and foreign currency account options, ideal for frequent travellers or those saving in foreign currency.
OTP Standard account package offer
The account package is designed for those who want to manage their everyday banking simply, digitally, and at a favourable monthly cost.
It’s the perfect choice for those who rely on essential banking features and prefer a simple account with low, predictable fees.
This offer includes:
- online transfers up to 100,000 HUF per month, free of charge during the promotional period,
- two monthly ATM cash withdrawals at no additional cost, up to a total of HUF 300,000
- low monthly account fee: HUF 449, provided at least HUF 150,000 is credited to the account each month,
- complete access to internet and mobile banking without a monthly fee and free push notifications.
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 Minimum Account Package includes:
- a forint account,
- a debit card (optional – only Mastercard Online Next debit card which is free-of-charge in the first year),
- internet and mobile bank services.
Smart Account Package
For those who prefer to do all their financial transactions online (internet and mobile banking). The Smart Account Package includes):
- a forint account,
- a debit card (free-of-charge in the first year),
- internet and mobile bank services,
- min. 2 or up to 5 free savings accounts (free-of-charge account management),
- free foreign currency accounts 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.
