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Term deposits

Useful information


Direct savings

The contemporary pace of living leaves you less and less free time.
Save time by using the OTPdirekt services and enjoy maximum comfort by performing financial transactions from the place that suits you best, at the time most convenient for you and under the conditions even more favourable than those offered in a branch.

Direct savings is a new service within the OTPdirekt package, which enables you to arrange a time deposit via the Internet, with special, additional advantages, by using eLEMENTA@, Internet banking or by calling our Contact Centre on 072 201 555, using the service telephone banking.

Take the advantages of the Direct savings!

Without visiting a bank’s branch, with the interest rate which is by 0.10 percentage points higher than the standard interest rate, you can arrange the following:

Term deposits at variable interest rate

Term deposits at fixed interest rate

Annuity savings at variable interest rate

Annuity savings at fixed interest rate

Deposit calculator, which provides you with information about interest on your time deposit, will help you to select the savings that best meets your needs.
Depending on the type of arranged savings, you may choose among different terms, with an additional advantage provided by Direct savings whereby you can arrange saving for a period of 15 days.

Using the Direct savings service you can arrange that your term deposit rolls over automatically after the expiry, at the rate of interest valid on the date of such roll over and the period same as for the initial arrangement.
However, term deposits arranged for a period of 15 days cannot be rolled over automatically, but the entire transaction procedure must be repeated. 
Annuity savings can be arranged in the domestic currency (HRK), euro (EUR), US dollars (USD) or Swiss franks (CHF), whilst term deposits can also be arranged in Australian dollars (AUD), Canadian dollars (CAD) and British pounds (GBP). The smallest amount that can be so deposited is EUR 250, or the equivalent in other currencies.

How can you avail yourself of the Direct savings service

If you wish to use the Direct savings service, it is enough to fill in an Application for OTPdirekt service and deliver it to your nearest OTP banka branch. The employees in the branch will provide you with a token required for such service, and a PIN for your token will be mailed to your address.

What is a token?

The token is a device which resembles a calculator, and every time when the telephone banking service is used this service assigns you a one-time secret number used for identification when accessing your accounts.
The token enables you permanent access to your accounts with OTP banka. Just take it with you in your office, on a journey, or any place where you have access to telephone, where you may carry out transactions on your accounts - as if you were in a branch. You do not need any particular skills for this or additional IT knowledge - simply enter the displayed numbers on the token and enter the world of banking!