Internet banking for retail customers

Internet banking for retail customers

With Internet banking for retail customers you can access our internet banking service from your computer and your mobile device alike, and we have made sure that your user experience is equally satisfying!

The old version of the application, with all its functionalities, and its DEMO version, will still be accessible for a while after launching of the improved and re-designed version of our Internet banking.


  • Insight into the balance and turnover on all accounts
  • Insight into the balance and transactions connected to loans, term deposits, signatories to account, guarantees and setting up standing orders and direct debits
  • Online application for changing the limit of authorised current account overdraft
  • Online application for issuing Visa and Mastercard cards
  • Overview of information about Visa and Mastercard charge and credit cards, and on Visa web prepaid and Mastercard contactless prepaid cards
  • Payments to Visa web prepaid or Mastercard contactless prepaid card accounts
  • Early instalment repayment option in case of purchases with Visa Classic Instalment card
  • Internal and external domestic currency payments and payment announcements
  • Creating of payment order templates
  • Activation of e-invoice/e-payment order service
  • Transfers between accounts within OTP banka
  • Setting up standing orders online
  • SEPA direct debit – change of the currency a certain order is executed in, setting a cap on orders and recipients of SEPA direct debit, with an option to revoke or refund an order
  • Online international payments (FX remittance)
  • Purchase and sale of foreign currency
  • Creating, changing and reviewing payment order templates
  • Transfers to scheduled savings accounts and children’s scheduled savings accounts
  • Loan instalment payment at the Bank
  • Payments in respect of a Visa or Mastercard revolving credit
  • Setting up term deposits at the rate of interest by 0.10 percentage points higher than the applicable rate of interest, with the option of tying your funds for a period of 15 days - Direct saving service
  • Enquiries about the foreign currency exchange rates, with the use of the exchange rate calculator
  • Non-binding calculation of interest on savings deposit by using the deposit calculator
  • Loan calculator
  • Overview of general information on the investment funds managed by OTP Invest, purchase and sale of units and overview of transactions
  • Inbox into which the customer receives messages sent by the Bank
  • SMS info – contracted (activated) online, service parameters update, overview of messages, service deactivation
  • Online personal data updates
  • Mobile phone top-up
  • Activation of OTP banka mobile applications (m-banking, m-token)
  • Access to the free loyalty programme – OTPetica




Register for the free loyalty programme of OTP banka – OTPetica! Have fun with the application and get valuable prizes of our partners. The application is easily accessible via Internet banking or mobile banking!



Confidentiality of your accounts and security of transactions are safeguarded by the use of a token - device secured by PIN and intended for user identification and authorisation of payment orders. Whenever you use the Internet banking service, the token generates a unique secret number used for identification when accessing your accounts. We are committed to protecting the confidentiality and security of your data. Therefore, Internet banking includes all most up-to-date and the most secure systems that safeguard your data: the SSL protocol, the firewall system and routers.


OTP m-token

OTP m-token is the abbreviation for the OTP mobile token application intended for smartphones. Same as your standard token device, this application generates one-off secret number intended for identification upon access to your accounts every time when the Internet banking or Telephone service is used.

OTP m-token can be installed on mobile phones working on iOS and Android platforms, and the application does not require Internet access to work. Internet access is only necessary upon takeover and activation of the application, or for changing of the PIN. Expand the functionality of your mobile phone and have access to Telephone and Internet banking services even when your token is not at hand.


How to become a user of OTPdirekt?

All you have to do is fill out the application and deliver it to any OTP banka branch. The staff will provide you with a token for using the service, while your token PIN will be mailed to your home address. The instruction manual, instructions for using the token and terms and conditions for using the OTPdirekt service are also available in all OTP banka branches. If you already use our Internet banking service, you are automatically entitled to the Telephone banking service free of charge.