Junior Max Card

Junior Max Card

Because the first salary will always be remembered, OTP Bank takes care of your financial gains since your youth. So, if you are between 18 and 25 years-old and have a Junior Max payment account, you can benefit from the debit card of the same package.

Forget about the money and live the most beautiful years of your life just as you dreamed. OTP Bank is by your side!

Do you not have Junior Max payment account?

In order to get the Junior Max debit card, you need the payment account with the same name.

  • The account is available in LEI, EURO;

  • It offers convenient interests;

  • It gives you permanent access to your funds;

  • Keeps you up to date with your monthly transactions through your account statement sent to your home.

For more details about opening your account and its benefits, we are waiting for you at one of our branches. Also, find out more about the Junior Max account here.

How can you benefit from this program?

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Frequently asked questions

The card is automatically enrolled in the 3D Secure system, so that you can enjoy safe transactions.

For details, click here.

Yes, you can request a maximum of 2 additional credit cards within the same credit limit.

Yes, you can request the issuing of maximum 3 additional debit cards that access the same account.

The shopping card is a payment tool that has a credit limit in LEI attached, provided by the bank based on the net monthly income. The ability to do your shopping with 0% interest, either through the instalment program or through the grace period is an advantage.

Account overdraft (also called overdraft) is an account facility provided by the bank based on the salary earned on that account and can reach a maximum of 6 net salaries. The overdraft can be awarded in LEI. By means of overdraft, you can attach a debit card to your account and make payments and cash withdrawals with the fees and charges associated with the card. For these transactions, in case of overdraft, you only need to pay the related interest monthly.

If you use the card in another currency, a currency conversion is carried out as follows, depending on the issued currency:

  1. Regarding transactions carried out in the currency of the account, the Bank will debit the amount of the transactions made in the account currency;
  2. Regarding transactions carried out in Romania in a different currency than the account currency, the Bank will debit the account using LEI as the reference currency. The currency exchange between the transaction currency and the LEI reference currency is carried out by the International Mastercard/Visa Card Organization at the settlement rate or date;
  3. Regarding transactions carried out abroad by Card, the Bank will debit the account using the EURO reference currency as follows:
    1. The currency exchange between the currency of the transaction and the EURO reference currency is carried out by the International Mastercard/Visa Card Organization at the settlement rate or date;
    2. For debiting the LEI account, the Bank uses the Bank's Reference Exchange rate from the transaction settlement day, published on the Bank's website.

Yes. If you wish to use the card issued by OTP Bank Romania at OTP Group ATMs abroad, you will be charged a cash withdrawal fee of only 3.5 LEI/1 EURO per transaction.

You can find OTP Group member banks in Europe in countries such as: Hungary, Slovakia, Croatia, Bulgaria, Romania, Ukraine, Serbia and Russia.

Yes, you can make payments with your card once you have selected "Internet payments" upon requesting the card, later via OTPdirekt or at the branch.

The transactions list and account balance associated to your shopping card are available on the billing statement you receive monthly through OTPdirekt or via email. Furthermore, you can find out your account balance at OTP Bank ATMs, where you can also get a list of the last 5 transactions performed.

Yes, this card can be used in Romania. When you use it at an ATM, you will be able to withdraw cash in LEI.

Yes, you can use that card abroad for cash withdrawal. In this case, you will receive the currency of the country you are in.

Transaction limits are daily or monthly limits set for your card or subcard issued to your account. They have default values set upon issue, but they can be changed upon request, either through OTPdirekt or at the branch.

The people authorized to sign the income certificate are: the Managing Director, Financial Director, Human Resources Director, Payroll Officer, Accounting Director. It is necessary to fill in the exact position of the person with the right to sign on the certificate.

The OTP-MOL co-brand card is a shopping card that can be used with any merchant in the country or abroad. The advantage of this card is getting double points when it is used at MOL gas stations around the country.

For Multibonus cards, assistance is provided exclusively by MOL Romania through their Customer Service (021) 204.85.26 or 0800 800665 (non-stop).

For OTP-MOL credit cards, please contact OTP Bank "Call Center": 0800 88 22 88 (08:30 a.m. - 09:00 p.m., free from any fixed or mobile network in Romania) - free or OTPBank "Card Services" (021) 308.57.11 (non-stop).

Yes. All cards issued by OTP Bank Romania can be used abroad, regardless of whether they are issued in LEI or in EURO.

People who are under the age of 18 can get a Junior Plus debit card attached to a Junior Plus account. In order to apply for this card, it is necessary for the applicant to go with their parents to an OTP Bank branch and with the ID card.

The grace period applicable to shopping cards means the maximum number of days that no interest is charged for transactions. For example, the 55 days grace period applies to shopping done on the 1st day of the month until the 25th of the following month, which means that you can reimburse the entire amount used for shopping without paying interest until the 25th (next month).

If you are no longer in possession of your card, you need to block the access to your account amounts. You can do this directly from the SmartBank application or by calling 0800 88 22 88 (free from any fixed or mobile network in Romania) or +40 21 308 57 11 (also available from abroad).