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General terms and conditions

We invite you to learn about the general business terms and conditions of OTP Bank which apply to relations between you as a user of financial, payment and other services and the Bank, whether you are an entrepreneur, natural person or legal entity.

Have a look at General terms and conditions of OTP Bank

General Operating Terms

GENERAL OPERATING TERMS_application date 01.07.2025

General informations

Deposits
Entrepreneurs
General information – Special-purpose term deposit for entrepreneurs
General Information – Term deposits of entrepreneur
Private individuals
General information – A vista deposit
General information – Term deposit with payment of interest upon expiry of the term
General information-Flexi deposit
General information-Special-purpose deposit to secure Bank claims
General information-Term deposit with monthly payment of interest
Overdraft
Entrepreneurs
General Information – Overdraft Loan – Entrepreneurs
General Information – Overdraft – cooperation with Lafarge – Entrepreneurs
Private individuals
General Information – Overdraft for Private Individuals
General Information – Overdraft for Private Individuals Online branch
Credit card
Entrepreneurs
General product information – Visa Business credit card
Private individuals
General product information – Masterata credit card
General product information – Visa Gold Olympic credit card
Loans
Entrepreneurs
General Information – Working Capital Loan – Entrepreneurs
General Information – Investment Loan – Entrepreneurs
General Information – Revolving Loan – Entrepreneurs
General Information – Loan Secured with Deposit – Entrepreneurs
General Information – Revolving Loan – cooperation with Lafarge – Entrepreneurs
Private individuals
General Information – Cash Loan and Refinancing Loan in RSD Online branch
General Information – Cash Loan and Refinancing Loan in RSD
General Information – EUR-indexed Cash Loan in RSD with 105% Deposit
General Information – EUR-Indexed Combined Housing Loan in RSD with Fixed Interest Rate in the first 5 years
General Information – EUR-Indexed Combined Housing Loan in RSD with Interest Rate change every 3 years
General Information – EUR-Indexed Housing Loan in RSD with Fixed Interest Rate
General Information – Evergreen Cash Loan and Refinancing Loan in RSD
General Information – Partner POS Car Loan in RSD
General Information – Partner POS Consumer Loan in RSD
General Information – RSD Housing Loan with Variable Interest Rate
General Information – Subsidized Housing Loan for Young People with Fixed Interest Rate in the First 6 years
Registered agricultural households
General Information – Investment loan for RAH with GF guarantee of AP Vojvodina
General Information – Investment loan for RAH
General Information – Working capital loans for RAH
Current account
General Information – Dinar current account of natural person enabling unauthorized overdraft

Payment services

General terms and conditions for payment services for PI_ application date 06.05.2025
General terms and conditions for payment services for LE and ENTR_ application date 06.05.2025

Direct channels

Special terms of use of direct channels for PI_application date 06.05.2025

Credit cards

General terms and conditions for issuance and use of credit cards for PI_application date 06.05.2025
General terms and conditions for issuance and use of credit cards for LE and ENTR_application date 06.05.2025

One-time payment transaction

General terms and conditions for single payment transactions_ application date 30.04.2021

Merchants accept payment instruments

General terms and conditions for acceptance of payment instruments at merchant points of sale_ application date 30.04.2021

List of representative services linked to a payment account and Information regarding change of payment account service

List of representative services linked to a payment account for consumers

Map of branch locations

Find a branch

Online branch

A team of professional online bankers is at your disposal every working day from 8 am to 6 pm and on Saturday from 9 am to 1 pm.

Find out more
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