If you searched for an OTP Romania loan, first check the date of the information. OTP Bank Romania merged into Banca Transilvania on 28 February 2025. This page is a guide for former customers, not a current OTP loan offer.
The merger has already happened
BT confirmed completion in its official announcement. An alleged OTP Online simulation from May 2026 is not evidence of a separate OTP Romania product after the merger.
Already have a contract?
Use the personal notice sent by the bank to check the servicing institution, repayment account and due date. Confirm any uncertainty through the bank’s official contact channel. An old review is not an instruction to change your payment details.
Keep the notice and repayment schedule together. If a general web page and your contract appear inconsistent, ask the bank for a written explanation before acting.
Comparing a new loan
Request the cash you receive, term, APR, total repayable and optional costs for the same application. A starting interest rate is not a guaranteed price, and a product maximum is not an eligibility decision.
The personal loan comparison and mortgage section help organise alternatives. An illustrative calculation is not a bank offer.
Limits of this review
This is a review of public documents, not a representative customer survey. We do not assign satisfaction percentages or claim a number of interviews without a verifiable record.
Read how APR works in Romania before comparing examples with different amounts or terms. Kreditano does not lend money or approve applications.