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OTPgo digital banking

OTPgo is a brand new digital banking service of OTP banka d.d., integrating the existing services of OTPDirect, OTP mobile banking and m-token, and replacing them. By signing up for OTPgo service, you gain access to the internet and mobile banking, and the m-token service, all in a single application. The new service provides a unique user experience, combining the existing and new functionalities. Going forward, these functionalities will undergo continuous development for the sake of even more compelling user journey.

New features

Setting up international payment orders

Contracting and terminating standing orders

Option enabling the client to share information about the account/payment via QR code

Transfer to a saving account

Bank’s product catalogue

Introducing recovery code (10-digit code required for reactivation of the mobile application)

Chart showing account credits and debits

Automatic mobile phone top-up

How to avail yourself of OTPgo service?

 

Contracting OTPgo service

The existing OTP banka customers who have not been using the digital banking service so far can apply for the OTPgo service in any of OTP banka branches, whilst the non-customers can either visit a branch or contract the service using digital channels, that is, by contracting OTP banka Digital Package (directly in the application or through our official internet site), which – among other features – also contains this service. For the second option, please follow this link, and if you are a student, visit this link.

Switching to OTPgo service

You can switch to the OTPgo mobile service in just a few easy steps. All customers using the OTP mobile banking application and m-token will receive a notification about switching to OTPgo during 2024. These are the options available for switching to the OTPgo service: You can switch to OTPgo remotely. The customers using the OTP mobile banking application and m-token will receive a notification about switching to OTPgo on their mobile devices.

If you would like to start using the service immediately, it can be arranged in one of our branches.

  • Internet banking

Same as so far, you can activate OTPgo via our internet banking service, using the physical token, and thus save yourself a trip to the bank.

 

Download the OTPgo app from the app store on your device and manage your finances anywhere, anytime. 

    

 

Services

The OTPgo application combines a wide range of services providing you with a direct and hassle-free management of your finances. Below are the functionalities that you can have at your fingertips.

 

List of services

 

Mobile banking

  • generating payment orders in EUR currency, either intra-bank or inter-bank, with a future-dated order feature
  • generating payment orders in EUR currency by scanning a 2D barcode or by uploading it from the device’s gallery
  • generating payment orders for payments abroad
  • saving and updating of payment order templates (for intra-bank and inter-bank payments)
  • sale and purchase of foreign currency
  • mobile phone top-up vouchers
  • transfer to/from Visa and Mastercard prepaid cards
  • transfer to a credit card
  • payment towards a loan
  • overview of account information and turnover
  • overview of generated orders per their execution status
  • overview of bank card details and bank card account turnover
  • details of existing loan(s)
  • details of term deposits / saving deposits
  • application log-in and transaction authentication using biometrics
  • access to OTP Round Up donation scheme
  • access to OTPetica (OTPrize) loyalty scheme
  • downloading statements of account, credit card statements, payment receipts
  • foreign currency exchange rates
  • option enabling the client to share information about the account/payment via QR code
  • mobile token service and support for 3D Secure purchase
  • transfer to a saving deposit
  • product catalogue
  • branch and ATM locator
  • Recovery code – a 10-digit code required for reactivation of the mobile application
  • overview of sales and marketing campaigns

Internet banking

  • overview of loan and term deposit balance and turnover, details of additional signatories to accounts, guarantees, set up standing orders and direct debits
  • online application for the issuance of Visa and Mastercard cards of OTP banka
  • details of Visa and Mastercard charge credit cards and of Visa web prepaid and Mastercard contactless prepaid cards
  • payment to the Visa web prepaid card account or the Mastercard contactless prepaid card account
  • early repayment of instalments for purchases made with Visa Classic instalment card
  • payments EUR currency, either intra-bank or inter-bank, with a future-dated order feature
  • activating the e-bill service and payment of such bills
  • transfers from/to accounts within OTP banka
  • setting up standing orders and standing orders to own accounts online
  • SEPA direct debit (SDD), overview of executed SDD orders, setting of SDD return option and SDD order rejection, dynamic currency conversion option, setting up of restriction lists
  • international online payment (foreign currency remittance)
  • sale and purchase of foreign currency
  • creating, controlling and modifying of payment order templates
  • transfer to Scheduled Savings and Children’s Scheduled Savings
  • paying loan instalment in OTP banka
  • paying towards Visa and Mastercard revolving loan
  • negotiating a term deposit at the interest rate by 0.02 percentage points higher than the prevailing interest paid on term deposits, and tying the term deposit for only 15 days – available with Savings Direct service
  • arranging documents delivery at one’s e-mail address and/or to home address
  • overview of all orders (executed, pending, future-dated orders) and payment receipt print-out
  • search for foreign currency exchange rates, currency exchange calculator
  • using the deposit calculator to calculate the interest earned on term deposit (for information purposes only)
  • loan calculator
  • general information about the investment funds managed by OTP Invest d.o.o., purchase and sale of units in the funds and turnover details
  • access to customer service through audio and video calls and via inbox (for incoming messages, with two-way communication option)
  • possibility of changing the limit for inter-bank payments made by internet banking through inbox
  • SMS info - online contracting (activation), service parameter updates, message overview, service deactivation
  • information about and management of the secret word
  • updating personal data online, with an option of giving consent to personal data processing and communication with the customer
  • mobile phone top-up, access to the archive of purchased top-up vouchers
  • activating mobile applications of OTP banka
  • access to OTPetica (OTPrize) - free loyalty scheme
  • access to OTP Round Up donation scheme
  • Investment funds – investor’s profile – product suitability assessment questionnaire

M-token

A novelty is that m-token becomes a part of the OTPgo service. By activating the OTPgo service, one automatically activates the m-token service, as it is a constituent segment of the application and can be accessed through the application. However, customers who only wish to use the m-token service will still be provided an option of contracting it separately, without having to contract the entire OTPgo service. 

OTPetica (OTPrize)

Sign up for the loyalty scheme of OTP banka d.d., have fun and win valuable prizes offered by our partners. The application is free and is accessible through OTPgo application.

 

 

Notes

Limit management

One-off modification of the variable daily limit can be made by calling the Contact Centre at 0800 21 00 21 or 072 21 00 21 or via chat available as a part of OTPgo service, whilst to arrange a permanent increase of the available limit, one must visit a branch or contact their premium or private banker.

Security

The OTPgo application for iOS and Android mobile platforms is protected by a PIN known solely to the owner of the mobile device, and by other integrated security mechanisms, which protect the customer in case of a theft or a loss of the mobile device. As a guarantee of data confidentiality, no data related to the accounts and the PIN are to be saved on the mobile phone. In addition, the application shuts down automatically after two minutes of idle time, and locks out after three consecutive incorrect PIN attempts.