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xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/ >Retail</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Accounts <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/packages-of-accounts/ >Account packages</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/debit-cards/ >Debit cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/credit-cards/ >Credit cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/overdraft/ >Overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/cekovi/ >Cheques</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/standing-order/ >Standing order</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Loans <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/cash-loans/ >Cash loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/rsd-refinancing-loan/rsd-refinancing-loan-with-fixed-interest-rate/ >Refinancing loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/housing-loans/ >Housing loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/evergrin-for-pensioners/ >Evergreen loans for pensioners</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/consumer-loans/ >Consumer loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/car-loans/car-loan-at-the-car-dealer/ >Car loan at the car dealer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Savings <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/savings/special-offer-fixed-term-saving/ >Special offer-Fixed-term savings </a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/fixed-term-savings/ >Fixed-term savings </a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/rent-saving/ >Rent savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/a-vista-savings/ >A Vista Savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/savings/flexi-savings/ >Flexi savings</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/voluntary-pension-fund/ >Voluntary pension fund</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Special offers <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/fluo-offer-for-youth/ >Fluo - for youth</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/evergrin-for-pensioners/ >Evergreen - for pensioners</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/privilege-premium-offer/ >Privilege – premium offer</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sinhro/ >Sinhro – for lump-sum entrepreneurs</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/gold-offer/ >Gold offer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Electronic banking <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/e-bank/ >E-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/oti-tvoj-otp-asistent/ >Oti - your OTP assistant</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/m-bank/ >M-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sms-service/ >SMS Service</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/ivr/ >IVR</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Insurance <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=https://www.otposiguranje.rs/ > Life insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/international-travel-insurance/ >Travel insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/property-insurance/ >Property insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/loan-insurance-in-the-case-of-job-loss/ >Unemployment insurance</a> </li> <li> <a href=https://www.otpbanka.rs/en/household-insurance/ >Household Insurance- m-bank application-</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Other services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/world-of-discounts/ >WORLD of discounts</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/retail/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/retail/tariffs/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/small-business/ data-status=off> Small Business </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Small Business <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" ></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/small-business/ >Small Business</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Daily operations <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/paketi-racuna/ >Account packages</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payment/ >Payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/business-payment-cards/ >Business Payment Cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/pos-terminals/ >POS terminals</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/swift-legal-entities/ >Cash transfer – SWIFT</a> </li> <li> <a href=https://www.otpbanka.rs/en/cash-processing/ >Cash processing</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/payroll-for-companies/ >Payroll for companies</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Loans <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/current-account-overdraft/ >Current Account Overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-for-working-capital-and-maintenance-of-liquidity/ >Loan for working capital and maintenance of liquidity</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/short-term-revolving-credit-line/ >Short-term revolving credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/multi-purpose-credit-line/ >Multi-purpose credit line</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/loan-with-100-down-payment/ >Loan with 100% down payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/investment-loan/ >Investment loan</a> </li> <li> <a href=https://www.otpbanka.rs/en/cosme-program/ >Cosme program</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Digital services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/biznis-m-bank/ >Business m-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-bank/biznis-ebank/ >Business e-bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/online-sales/ >E commerc</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/e-teller/ >E-teller</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/electronic-banking/ >Electronic banking</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Leasing <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=http://www.otpleasingsrbija.rs/ >OTP Leasing Srbija</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Factoring <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/national-factoring/ >National factoring</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/international-factoring/ >International factoring</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Special offers <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/production/ >Production</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/transport-and-forwarding/ >Transport and Forwarding</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-retail/ >Trade – Retail</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/trade-wholesale-importers/ >Trade, wholesale - importers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/doctors-and-dentists/ >Doctors and dentists</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/bookkeepers-notaries-and-lawyers/ >Bookkeepers, notaries and lawyers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/sinhro-for-tax/ >Sinhro – for lump-sum taxpayers</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/offer-for-startups/ >Offer for startups</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Documentary operations and guarantees <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/mali-biznis/garancije/ >Guarantees</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-letters-of-credit/ >Documentary letters of credit</a> </li> <li> <a href=https://www.otpbanka.rs/en/small-business/documentary-collection/ >Documentary collection – incasso</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Finance markets <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/small-business/money-and-foreign-currency-markets/ >Money and foreign currency markets</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/custody-corporate/ >Custody</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/small-business/tarife-mali-biznis/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/agricultural-households/ data-status=off> Agricultural households </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Agricultural households <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" ></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/agricultural-households/ >Agricultural households</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Agricultural <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/agro-account-package-2/ >Agro account package</a> </li> <li> <a href>Subsidized Agro Loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/approved-overdraft-rpg/ >Approved overdraft</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/investment-loans-rpg/ >Ivestment loan for RPG</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/investment-loan-up-to-five-years/ >Investment loan up to 5 years</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loan-for-the-new-mornings/ >Investment loan for the new mornings</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loans-for-current-assets/ >Working capital loans</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/quick-loan/ >Quick loan</a> </li> <li> <a href=https://www.otpbanka.rs/en/agricultural-households/loan-for-current-assets-up-to-million-eur/ >Working capital loans up to EUR 1,000,000</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Electronic banking <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/retail/e-bank/ >E bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail-2-2/m-bank/ >M bank</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/sms-service/ >SMS service</a> </li> <li> <a href=https://www.otpbanka.rs/en/retail/ivr/ >IVR</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a target=_blank href=https://www.otpbanka.rs/en/retail/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">Tariffs</a> </li></ul> <a target=_blank href=https://www.otpbanka.rs/en/retail/tariffs/ class="btn btn--transparent white"> <span>Tariffs</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/corporate/ data-status=off> Corporate </a> <a class=mobile-only-lg href=#. data-js=menu-dropdown-trigger-mob data-status=off ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Corporate <svg class="icon icon-arow_one"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </a><div class="header__menu-dropdown is-active-desktop desktop-only-lg" ></div><div class="header__menu-dropdown is-active-desktop mobile-only-lg" data-js=menu-dropdown-mob><div class="menu-title mobile-only-lg"> <a href=https://www.otpbanka.rs/en/corporate/ >Corporate</a> <svg class="icon icon-arow_one" data-js=menu-dropdown-trigger-mob data-status=on> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-back></use> </svg></div><ul class=header__menu-dropdown-content> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Day-to-day operations <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/account-opening/ >Opening of account</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/payment/ >Payment</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/electronic-banking-corporate/ >Electronic banking</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/business-payment-cards/ >Business Payment Cards</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/pos-terminals/ >POS terminals</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/deposits/ >Deposit</a> </li> <li> <a href=https://www.otpbanka.rs/en/e-commerce-for-corporate/ >E-commerce</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/swift-legal-entities/ >SWIFT – legal entities</a> </li> <li> <a href=https://www.otpbanka.rs/en/cash-processing/ >Cash processing</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Loans <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/loan-offer/ >Loan offer</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Leasing <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a target=_blank href=http://www.otpleasingsrbija.rs/ >OTP Leasing Srbija</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Factoring <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/national-factoring/ >National factoring</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/international-factoring/ >International factoring</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Documentary operations and guarantees <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/guarantees/ >Guarantees</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/documentary-letters-of-credit/ >Documentary letters of credit</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/documentary-collection/ >Documentary collection</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Financial markets <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate-global-markets/ >Global markets</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/custodian-services/ >Depositary/Custody</a> </li> <li> <a href=https://www.otpbanka.rs/en/brokerage/ >Broker operations and financial advisory</a> </li> <li> <a href=https://www.otpbanka.rs/en/corporate/financial-institutions/ >Financial Institutions</a> </li></ul> </li> <li class="header__menu-dropdown-col mobile-only-lg"> <span class=header__menu-dropdown-title data-js=submenu-dropdown-trigger data-status=off> Other services <svg class="icon icon-arow_one-submenu mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_one></use> </svg> </span><ul data-js=submenu-dropdown> <li> <a href=https://www.otpbanka.rs/en/corporate/payroll-for-companies/ >Payroll for companies</a> </li></ul> </li> <li class="header__menu-dropdown-col header__menu-dropdown-col--mobile"> <a href=https://www.otpbanka.rs/en/corporate/tariffs/ class="header__menu-dropdown-title header__menu-dropdown-title--tariffs">TARIFFS</a> </li></ul> <a href=https://www.otpbanka.rs/en/corporate/tariffs/ class="btn btn--transparent white"> <span>TARIFFS</span> <svg class="icon icon-arow_lead"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-arow_lead></use> </svg> </a></div> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/private-banking-2/ data-status=off> Private banking </a> <a class=mobile-only-lg href=https://www.otpbanka.rs/en/private-banking-2/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Private banking </a> </li> <li> <a class=desktop-only-lg target=_blank href=https://www.otpbanka.rs/en/sustainable-business/ data-status=off> Sustainable business </a> <a class=mobile-only-lg target=_blank href=https://www.otpbanka.rs/en/sustainable-business/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Sustainable business </a> </li> <li> <a class=desktop-only-lg href=https://www.otpbanka.rs/en/career-in-otp/ data-status=off> Career </a> <a class=mobile-only-lg href=https://www.otpbanka.rs/en/career-in-otp/ ><div class="mobile-only-lg menu-icon"> <svg class="icon mobile-only-lg"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-></use> </svg></div> Career </a> </li></ul><div class=header__links><ul class="header__quick-links header__quick-links--menu"> <li> <a href=https://www.otpbanka.rs/en/locations-of-branches/ > <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-Marker></use> </svg> <br> <span>Location</span> </a> </li> <li> <a href=https://www.otpbanka.rs/en/exchange-rate/ > <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-kursna-lista></use> </svg> <br> <span>Exchange rate</span> </a> </li> <li> <a href=https://www.otpbanka.rs/en/about-us/contacts/ class=header__call-center> <svg class=icon> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-podrska></use> </svg> <br> <span class=header__call-center__title>Contact</span> </a> </li></ul><ul class=header__social-icons> <li> <a target=_blank href=https://www.instagram.com/otpsrbija/ > <svg class="icon icon-instagram"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-instagram></use> </svg> </a> </li> <li> <a target=_blank href=https://www.facebook.com/otpsrbija/ > <svg class="icon icon-facebook"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-facebook></use> </svg> </a> </li> <li> <a target=_blank href=https://www.youtube.com/user/OTPbankaSrbija> <svg class="icon icon-youtube"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-yt></use> </svg> </a> </li> <li> <a target=_blank href=https://linkedin.com/company/otpsrbija/ > <svg class="icon icon-linkedin"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-ln></use> </svg> </a> </li> <li> <a target=_blank href=https://www.tiktok.com/@fluo_srbija> <svg class="icon icon-tiktok"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-tiktok></use> </svg> </a> </li> <li style="margin-left: 30px; text-align: center;"> <a href=/en/about-us/contacts/ style="position: relative; top: 0px;"> <svg class="icon icon-podrska" style="margin-bottom: 3px;"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-podrska></use> </svg> </a> </li></ul></div></nav><div class=header__links><ul class=header__quick-links> <li><a href=https://www.otpbanka.rs/en/locations-of-branches/ > <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/map-marker-alt.png alt="map marker"> <br> <span>Location</span></a></li> <li> <a href=https://www.otpbanka.rs/en/exchange-rate/ > <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/euro-sign.png alt="euro sign"> <br> <span>Exchange rate and reference interest rate</span> </a> </li></ul> <a href=https://www.otpbanka.rs/en/about-us/contacts/ class=header__call-center> <img src=https://www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/img/Headset.png alt=headset> <br> <span class=header__call-center__title>Contact</span> </a></div></div><div class=header__right-col> <span class=header__menu-trigger data-js=mobile-menu-trigger data-target=.header__menu> <i class=header__menu-bar></i> <i class=header__menu-bar></i> <i class=header__menu-bar></i> </span> <span class=header__search-trigger data-js=search data-status=off data-target=.header-search> <svg class="icon icon-search"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-search></use> </svg> </span><ul class=header__language-links> <li class> <a href=https://www.otpbanka.rs/stanovnistvo-2/uslovi-koriscenja/ >SR</a> </li></ul> <a target=_blank href=https://ebank.otpbanka.rs/RetailV4/home/login class="btn header__online-bank btn--full-radius btn--orange"><span>Online banking</span> <svg class="icon icon-login"> <use xlink:href=//www.otpbanka.rs/wp-content/themes/otp_banka/static/static_sgs/icomoon/symbol-defs-v2.svg#icon-login></use> </svg> </a></div></div></header><main class=main__wrapper data-js=main-wrapper><section class="cover cover--small"><div class=cover__content><div class=cover__inner><div class=cover__image style="background:url('https://www.otpbanka.rs/wp-content/uploads/2017/03/shutterstock_509584528-1.jpg'); background-size:cover;"></div><div class=cover__info><h1>Terms of use</h1></div></div></div></section><div class=breadcrumb><ul class=breadcrumb__list> <li> <a href=https://www.otpbanka.rs/en/ >Retail</a> </li> <li> Terms of Use </li></ul></div><style>/*<![CDATA[*/.general-text--long ul li, .general-text--long ol li { color: #4a4a4a; font-size: 1.0625em; } .general-text--long ul li:after, .general-text--long ol li:after { top: 10px; left: 14px; } @media (max-width: 480px) { .general-text--long ul li:after, .general-text--long ol li:after { left: 10px; top: 8px; } } .general-text--long p { padding-bottom: 25px !important; } .general-text--long ul, .general-text--long ol { margin-bottom: 30px; } @media (max-width: 480px) { .general-text h3.subtitle, .general-text p { margin-bottom: 0px; } }/*]]>*/</style><div class="general-text general-text--text-left general-text--long"><p> </p><p><b>Cookie management policy on the website of OTP banka AD Novi Sad</b></p><p> </p><ol> <li style="font-weight: 400;" aria-level=1><b>Introduction</b></li></ol><p><span style="font-weight: 400;">When visiting the website of OTP banka </span><b>AD Novi Sad</b><span style="font-weight: 400;"> (“the Bank”), www.otpbanka.rs, no personal data that would enable your personal identification is collected. If we require your personal data in order to provide you with a particular service, we will notify you about it.</span></p><p><span style="font-weight: 400;">In any case, you can find information on the protection of personal data processed by the Bank in our </span><a href=https://www.otpbanka.rs/politika-zastite-privatnosti/ ><span style="font-weight: 400;">Privacy Policy</span></a><span style="font-weight: 400;">.</span></p><p><span style="font-weight: 400;">By using cookies on our website, we can collect information about your computer that may include your IP address, browser type, domain name, time of access and website addresses. The website www.otpbanka.rs activates the use of cookies only if you have given us your consent for this activity by selecting the appropriate option in the section.</span></p><ol> <li style="font-weight: 400;" aria-level=1><b>What are cookies?</b></li></ol><p><span style="font-weight: 400;">Cookies are small text databases (files) that are usually downloaded to your computer, tablet or mobile device (hereinafter: “device”) from the websites you visit. Cookies are used to run all the functions of a website, gain a better user experience, and enable analytics of site visits and advanced online advertising.</span></p><ol> <li style="font-weight: 400;" aria-level=1><b>Types of cookies</b></li></ol><p><span style="font-weight: 400;">To better understanding cookies and how to control them, below you can learn which types of cookies exist, as well as how they are used on websites:</span></p><ul> <li style="font-weight: 400;" aria-level=1><b>First-party cookies – </b><span style="font-weight: 400;">Cookies installed on your device by the organization whose website you are visiting are known as “first-party” cookies.</span></li> <li style="font-weight: 400;" aria-level=1><b>Third-party cookies –</b><span style="font-weight: 400;">Cookies that have been installed on your device by an organization other than the website you are visiting are known as “third-party” cookies.</span></li> <li style="font-weight: 400;" aria-level=1><b>Persistent cookies – </b><span style="font-weight: 400;">Persistent cookies remain stored on your device even after you close your browser. With the help of these cookies, websites store information to make it easier for you to use them. For example, websites that require a username and password will remember your entry that will appear on the occasion of each new visit.</span></li> <li style="font-weight: 400;" aria-level=1><b>Session cookies </b><span style="font-weight: 400;">– Session cookies are removed from your device at the time of closing the Internet browser through which you have visited a particular website. With these cookies, the web pages store temporary information that is used for their proper functioning.</span></li></ul><ol> <li style="font-weight: 400;" aria-level=1><b>Which cookies does the Bank’s website use?</b></li></ol><p><span style="font-weight: 400;">Cookies used on the Bank’s website are divided into four categories:</span></p><ul> <li style="font-weight: 400;" aria-level=1><b>Essential cookies </b><span style="font-weight: 400;">or </span><b>strictly necessary cookies</b><span style="font-weight: 400;"> are cookies that are used to make the website run and they cannot be disabled. You can set your browser to notify you of usage of cookies or to block these cookies, but in this case some parts of the website will not work.</span></li> <li style="font-weight: 400;" aria-level=1><b>Functional cookies </b><span style="font-weight: 400;">enable enhanced functionality and personalization of content such as videos. They may be placed by us or by an online service we use on our website. Some or all functionality of the website will not work properly unless you enable these cookies.</span></li> <li style="font-weight: 400;" aria-level=1><b>Statistical cookies </b><span style="font-weight: 400;">allow us to track the number of visits so that we can measure and improve the performance of our website. Thanks to these cookies, we can determine which pages are popular or less popular. Also, owing to them, we can see how visitors navigate the web pages, or how they use them. All information collected by these cookies is aggregated and anonymized. If you do not allow these cookies, we will have no information when you visit our website.</span></li> <li style="font-weight: 400;" aria-level=1><b>Advertising cookies</b><span style="font-weight: 400;"> are placed on our website by our advertising partners. They can be used to develop a profile of your interests in order to display the ads that are relevant to you. These cookies uniquely identify your internet browser and device. If you do not allow these cookies you will not have targeted advertising on different websites.</span></li></ul><p><span style="font-weight: 400;">Statistical and advertising cookies are so-called third-party cookies and for this purpose we use the special online services such as Google Analytics, Google AdWords, Facebook Pixel, Yandex and Gemius.</span></p><ol> <li style="font-weight: 400;" aria-level=1><b>Information about cookies</b></li></ol><p><span style="font-weight: 400;">Below we present an overview of the necessary information relating to cookies used on the Bank’s website (their source, the purpose for which they are used and how long they are stored):</span></p><ul> <li style="font-weight: 400;" aria-level=1><b>Essential cookies</b><ul> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">otpsbanka.rs – they allow the website to function properly and are stored until the browser closes</span></li></ul> </li> <li style="font-weight: 400;" aria-level=1><b>Functional cookies</b><ul> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">otpbanka.rs – contain the settings that the user selects when choosing the offered cookie management options and they are stored until the next change of settings by the user</span></li></ul> </li> <li style="font-weight: 400;" aria-level=1><b>Statistical cookies</b><ul> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Google Analytics – an overview of website traffic statistics, stored for 24 months from the last visit to the website</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Yandex – an overview of website traffic statistics, stored for 120 months from the last visit to the website</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Gemius – an overview of website traffic statistics, stored for 60 months from the last visit to the website</span></li></ul> </li> <li style="font-weight: 400;" aria-level=1><b>Advertising cookies</b><ul> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Google AdWords — displaying relevant ads, remarketing and advertising analytics, stored for 24 months</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Facebook – content sharing on Facebook profile and stored for 19 months</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Facebook Pixel – displaying relevant ads, remarketing and advertising analytics, stored for 19 months</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Twitter Pixel – displaying relevant ads, remarketing and advertising analytics, stored for 12 months</span></li> <li style="font-weight: 400;" aria-level=2><span style="font-weight: 400;">Adform – displaying relevant ads, remarketing and advertising analytics, stored for 7 months</span></li></ul> </li></ul><ol> <li style="font-weight: 400;" aria-level=1><b>Enabling and disabling cookies</b></li></ol><p><span style="font-weight: 400;">The purpose of cookies is to improve and facilitate the use of our websites and their processes, so you should keep in mind that by disabling or clearing cookies you may also disable the functioning of all parts of the website or cause them to function or be displayed differently in a web browser.</span></p><p><span style="font-weight: 400;">If you disable advertising cookies, the content of our ads may be less relevant to you, or the same ad may be shown more times than you would like.</span></p><p><span style="font-weight: 400;">Internet browsers allow you to change your cookie settings. The settings are most commonly found in the “Options” or “Preferences” menu. The following links may be helpful if the user wants to better understand these settings:</span></p><ul> <li style="font-weight: 400;" aria-level=1><a href="https://support.google.com/chrome/answer/95647?hl=en"><span style="font-weight: 400;">Managing cookies in Chrome</span></a></li> <li style="font-weight: 400;" aria-level=1><a href=https://support.apple.com/en-us/HT201265><span style="font-weight: 400;">Managing cookies in Safari</span></a></li> <li style="font-weight: 400;" aria-level=1><a href="https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer?redirectlocale=en-US&redirectslug=Cookies"><span style="font-weight: 400;">Managing cookies in Firefox</span></a></li> <li style="font-weight: 400;" aria-level=1><a href=https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies><span style="font-weight: 400;">Managing cookies in Internet Explorer</span></a></li></ul><ol> <li style="font-weight: 400;" aria-level=1><b>Additional information about the cookies</b></li></ol><p><span style="font-weight: 400;">Social networks can also place cookies on your computer. This happens on websites that allow you to log in and register through your social network accounts, or if you share the content of a website on social networks. The specific impact on your privacy will vary depending on the social network you use, and privacy settings selected for those networks. 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