home Contributions Pay utility bills with a Sberbank card. How to pay utility bills online without commission. Sberbank Online mobile application

Pay utility bills with a Sberbank card. How to pay utility bills online without commission. Sberbank Online mobile application

Laziness is the engine of progress. That is why now there are more and more ideas on how to simplify our lives and save time. There are several ways to save a couple of hours and not stand in line to pay a utility bill. Now this can be done much easier.

Payment of utilities through a bank card and personal account

At almost any point of payment, you can pay with a bank card. This method of payment is more convenient than paying in cash, and when paying by card, you will not be charged a commission.

A personal account is required for many transactions. Without it, you will not be able to pay utility bills. You can check your account from the receipt in the column "Consumer" or directly from a service provider. Knowing your personal account, you can pay utility bills through terminals, online services, ATMs, etc.

Payment of utility bills through the bank online

Almost any major bank provides an opportunity to pay utility bills. It is very convenient and does not take much time.

When paying using Internet banking, the money will be transferred to the recipient until the end of the next day, and you will receive a notification that the payment was successful.

For this you need register on the bank's website which will take no more than 10 minutes. After registration, log into your personal account. Select tab "Payments and transfers". Select an item here "Rent" in category "Housing and communal services and home phone". Next, find the service provider in the list or use the search.

Next step - filling in details. After that, the details of the service provider will be set automatically. Verify all data and confirm payment. To confirm the payment, an SMS message with a password will be sent to your phone, which you will need to enter in the appropriate field. You can print the receipt if necessary.

After paying utility bills, a template will appear in your personal account, according to which you can pay in the future. All the details will be already filled in, and you will only have to confirm the payment.

Websites of major banks:

Sberbank of Russia - www.sberbank.ru;
Bank of Moscow - www.bm.ru.

On the Internet, you can pay for a communal apartment not only through a bank. There are also many other services. The most popular site is www.a-3.ru.

Where you can pay for utilities, payment points, comparison of commission rates

There are many points where you can pay utility bills. They are scattered throughout the city and are very common.

Bank branch. In almost any bank you can pay for a communal apartment. Payment can be made in cash or by card. When paying at the branch, you are charged 1.9% commission, but not more than 1000 rubles. for bank employees. For payment, you will need a receipt that comes by mail.
Terminal. There are always terminals in crowded places. You can use them to pay utility bills. To do this, you only need to enter a unique number that is indicated on the receipt and the amount. Next, deposit money into the terminal. The commission is 3-5% of the amount, but not more than 1000 rubles. The device does not give change, but sends it as payment to the utility provider. The minimum commission is taken by the Sberbank terminal - 0.5%.
Post office. The Russian Post does not charge commission only from clients of the Bank of Moscow and Sberbank of Russia. The rest pay commission in the amount of 1-3%.
Self-service devices. When paying in cash will be charged 1.5% commission. But it is also possible to pay by card without commission.

Where can I pay utility bills without commission?

There are a number of services with which you can pay a communal apartment without a commission.

ATM. You can pay for utilities without a commission in self-service devices (info kiosks, ATMs) when paying by card. If you pay in cash, there is a 1.5% commission.

Internet banking. Large banks provide an opportunity to pay utility bills without commission online. To do this, you only need to register on the bank's website and have the necessary amount of money on the card.

A3 system. This is the site www.a-3.ru, which provides for payment of a communal apartment without a commission for all users using a phone or the card itself. You just need to register and know your personal account number.

QIWI Wallet. - here you can get yourself a wallet and use it to make various types of money transfers, including rent payments.
It is also possible to pay without a commission through other monetary systems, such as Yandex.Money, WebMoney, etc. It all depends on the cooperation of companies providing housing and communal services with payment services.

Where to see utility bills

In addition to directly at the service provider and on the receipt, there are several other ways to find out the rent arrears.

Internet services. You can check online through your personal account in the management company. But, unfortunately, today not all companies use such a system. Check with your management company if they use such services and ask you to register.

A few more sites for other cities:

Rostov-on-Don - www.rostov-zkh.ru
All territory of Russia - www.a-3.ru

Bank. Many banks provide information on paying utility bills. You need to register. This can be easily done on the website of your bank by following the prompts. The procedure will take no more than 10 minutes. After registration, you must enter your personal account, select "Payments and transfers" -\u003e "Payment for services" -\u003e "Housing and communal services" and enter the name of the recipient.

Sberbank of Russia provides such a service. You can follow this link to the bank's website and, after entering your personal account, fill in the details and view the debt www.sberbank.ru/ru/person/paymentsandremittances/payments/zhkh.

This service is also provided by the Bank of Moscow - www.bm.ru.

ATM. You can also find out the amount of debt through an ATM, as well as pay it. Below are instructions on how to do this.

Payment of utility bills through an ATM: instructions

The method of paying for utilities through an ATM is suitable for all users of plastic bank cards. To do this, you need to have the necessary amount in the account and a little time.

Instruction:

Insert the card into the ATM and enter the PIN code;
In the main menu, select the item "Payments and transfers" -\u003e "Utility payments" -\u003e "Manual input";
Select the payee (for example, "Zhilkomservis No. 2");
Enter the Payer Code of 10 digits (shown on the receipt) and click "Next";
Enter the payment period in the format MM/YYYY and click "Next";
Select the debt you want to pay off;
Check the correctness of the entered data and click "Pay";
Select the payment amount;
Print the check and do not forget to pick up the card.

Unfortunately, not all ATMs make it possible to pay utility bills.

How to pay utility bills on video

The video below shows the details of the remote payment of utilities.

For a modern person, paying utility bills via the Internet is a reliable and convenient way. Thus, Internet payments simplify life and save a significant amount of time, besides, the operation itself is very simple.

To transfer funds to the accounts of utility providers, it is enough to have a computer, the Internet and a bank card. And there are quite a lot of proposed options today, you can choose the most convenient and profitable way.

Payment via Sberbank online

Payment can be made in a few steps, without leaving the computer and having only a bank card in hand:

Go to the official website of Sberbank.
Pass authorization(recently, this procedure is performed automatically upon receipt of the card at the branch).
Enter your username and password, after which you will receive a message on your mobile phone with a special secret code, you must enter it in the appropriate box).
Select the "payments and transfers" section.
Important point! Be sure to include your city of residence, as service providers vary by location.
Select the required item "Housing and communal services and home phone".
Next, "Rent".
Service provider name(listed on invoice).
Fill in details and enter the payment code.
On the next step specify the required period.
Enter the amount to pay exactly to the penny, as indicated on the receipt.
Confirm the operation.
On the last step save or print the receipt.

The operation is quite simple and not much different from the actions through the terminal in the Savings Bank, but it saves a lot of time.

Through payment systems

The most common payment systems:

« RBK money";
qiwi;
WebMoney;
Yandex. Money;

Latest Yandex. Money is the most accessible, as it is open to all users who are mail clients of the system.

For payment you need:

Log in to Yandex.
Select the Yandex. Money .
In the list of services, select - pay a receipt.
Next - housing and communal services and services (gas, electricity, etc.).
Fill in the fields with the TIN of the recipient, payer data.
Confirm payment(the payment system is two-stage, you will receive a password on your phone).
Save or print your receipt.

Funds are credited to the recipient's account within 24 hours, but there may be a delay of 2-3 days, this should be taken into account.

Also, you can pay rent bills in the WebMoney system, but registration in the system takes longer. It is necessary to download a special program "WebMoneykeeper" and get a formal passport. After all the steps, you can perform almost any operation to transfer funds to the accounts of legal entities.

As in any situation, payment through payment systems has its advantages and disadvantages.

Pros:

Saving time.
It is not necessary to have a bank card.
Possibility of payments not only on rent, but also on other accounts.

Minuses:

On account electronic money must be prepared.
Perform an operation need a few days before the due date, as in a bank.

Through the portal of public services

The public services portal launched a new service gosuslugi.ru and provided the opportunity to pay bills via the Internet using a bank card, as well as track all accruals and debts on utility bills in real time.

The attractiveness of this method is that the payment is confirmed instantly, in addition, in your personal account you will receive detailed information about previously paid invoices, as well as those that have just been issued.

This method does have a number of advantages over others. It is enough to register in the system and have a bank card at hand. You do not have to worry about incorrectly entered details, because the system independently generates invoices during client identification - for this you will need to enter passport data, contract number or personal account.

You only need to determine the option for conducting a settlement transaction, confirm the transaction and complete the payment transaction. After the payment is completed, a payment receipt is automatically sent to the state regional administration.

Also, on the website of the organization, you are provided with a maintenance calculator to calculate the entire cost of paying for an apartment per month. The calculation is made immediately for all housing and communal services without separation, which is quite convenient.

So, to make a payment you need:

Login in the system, enter your personal account.
Go to the "accounts" section.
Select a service provider.
Enter your personal account number.
Enter the amount to pay(at this step, you can also enter the meter readings, as well as the number of the meter).
Enter bank card number, expiration date, code on the back of the card.
Pay.
Print or save your payment receipt.

It is worth paying attention that the bank will charge a commission for making a payment, its size is indicated in the check.

Receiving/storing information

To regularly receive updated information about accounts, as well as payments made, you need to link personal account numbers in your personal account once. You can do this in the "accruals" section, then "my accounts". Now you can make monthly bill payments without entering additional details.

All information is stored in your personal account, if necessary, at any time you can see when the funds were credited, in what amount.

Through the system "Rapida"

On the site https://www.rapida.ru, the user can make a payment on utility bills, for this it is necessary to have money on the balance sheet, as well as a Rapida plastic card.

Actions:

Get authorized on the site.
Select "Rapida Online".
Further "Utility payments".
Select payee and check its details.
Pay.
Save or print your receipt.

Through the payment system. RU"

The site https://www.oplata.ru also makes transfers within the framework of housing and communal services for the population. This requires a bank card, registration on the site. Registration fee - 150 rubles. Important so that during registration on the portal the balance of the card account is positive.

The algorithm of actions is similar:

Log in to the system.
Choose one of the types of housing and communal services.
From the list of enterprises select the one specified in the payment receipt.
Check company details for the provision of services.
Enter payment details.
To make a payment.

For a one-time payment, you can use the "payment without registration" item. It is suitable for paying bills for the Internet, telephone, television, housing and communal services. You will need the subscriber's personal account number, the number of the payment document.

Other payment methods

All service providers have official websites through which you can also pay for gas, home telephone, heating, water supply, electricity.

The system of actions for each enterprise is individual, but there are standard schemes:

Registration on the site to access your personal account.
Confirmation of registration via email (usually you will receive an email with a confirmation link).
After logging into your account, select the payment section.
Make an invoice payment.

This is a general picture in which there may be additions.

The operation takes place through the bank in which the selected company is serviced.

The disadvantage of this method is that you will have to go through the registration procedure on each site separately, confirm it, and perform several operations, which will take more time.

Risks, pros and cons

The most common danger is illegal hacking. Before registering on various sites, consult with those who constantly use such services via the Internet or contact the public utility, bank employees.

Summing up, we will derive the advantages and disadvantages of paying utility bills via the Internet.

Advantages:

Commission. When paying through Internet banking, as a rule, no commission is taken, as well as additional fees. On those resources where commission fees are still present, their size is minimal, rarely exceeds 50 rubles;
Convenience. Even an inexperienced user can easily figure it out, the system is designed so that there are hints at every step;
Story. The user's personal account saves the payment history, which can be viewed at any time;
Auto payment. Quite new and convenient service. Most resources provide such an opportunity, you can configure the settings for payments yourself;
Payment receipts. Each system makes it possible to print a payment receipt or save it electronically on your own computer.

Disadvantages (usually caused by the inexperience of the user, which are easy to fix):

Fraudsters. Many are worried that the payment will go the wrong way. To avoid the leakage of funds to the accounts of fraudsters, it is necessary to use only specialized and licensed resources;
Error. Some are afraid to pay not their receipt. It is almost impossible to do this, since at each stage the user checks the details of the recipient and the payer, and the payment order shows the account number, apartment address, amount, period, initials of the owner, etc.;
High commissions. Intermediary sites do charge commissions, so use specialized payment systems for utility bills.

With careful study, everyone will choose for themselves the most profitable way to pay for utilities. For the older generation, which is not particularly proficient in computer and Internet technologies, it is certainly more customary to pay through a bank, but the younger and younger generation are happy to use online services without leaving home or without leaving their workplace.

Get a lawyer's answer in 5 minutes

Pay rent online Any citizen who has a computer with Internet access can. Payments are made on the basis of a payment document containing the personal account number and the amount of the housing and communal payment. On which sites payment for housing and communal services is made online, readers will be able to find out from our article.

Payment methods for utilities via the Internet

Payment of utilities without commission via the Internet is the most convenient way to make current payments for housing and communal services. Rent online can be done through the following Internet resources:

Pages of banking organizations, such as Sberbank.
Electronic payment systems Rapida, OPLATA.RU, Yandex.Money, etc.).

Receipt for rent

A receipt is a single payment document confirming the fact of accrual of payments for housing and communal services. Payment is made on the basis of a receipt, where the organization providing services fixes:

Payment of rent via the Internet on the site "Rapida"

On the electronic page http://www.rapida.ru, persons registered in the system who have a positive account balance and a Rapida plastic card can use the service to pay for housing and communal services.

First of all, to pay housing and communal bills through this service, you need to go through authorization on the site.

Then you need to select the "Rapida-online" tab, in it (in the table on the left) - the "Utility payments" section. After the operation is completed, the user selects the desired payee and checks the correctness of his bank details.

You can get acquainted with the possible ways of paying housing and communal bills on this site by going to the main page using the link "Private clients" and selecting the tab "Payment of housing and communal services".

Don't know your rights?

How to pay rent via the Internet on the site OPLATA.RU

On the site http://www.oplata.ru, funds are also credited as part of the payment for housing and communal services.

To pay, the payer must have a card of any bank in the Russian Federation and register on this portal. Connection to the system is paid and costs 150 rubles. It is also important that the user's bank account has funds at the time of registration.

After going to his personal account, the payer can choose any of the types of housing and communal services, after which he will see a complete list of enterprises - recipients of payment, providing the relevant services. After selecting the required one and checking the details of the organization, the user enters the payment data and deposits funds to the recipient's account.

Citizens can use the payment option without registration to pay for utilities, Internet and telephone. It is made after entering the number of the subscriber's personal account and the number of the payment document.

Payment of rent through Sberbank online

Pay rent without commission You can also visit the Sberbank website. Users registered on the Sberbank Online portal (https://online.sberbank.ru/CSAFront/index.do) who have an open account with Sberbank and have activated the Mobile Bank option can make a payment if they go to the Transfers tab and payments.

Next, the user selects the section "Housing and communal services and home phone". A list of recipients of housing and communal payments opens before the payer. You can select the desired organization from the list by entering the name of the enterprise, the type of paid service, its TIN number or the user's current account in the search column.

Having selected the required payee and the type of housing and communal services, the payer proceeds to the procedure for entering the payment details. The user indicates the number of his personal account in Sberbank, from which the payment will be made. It is also necessary to enter a single number indicated on the receipt.

After entering a single number, the system will automatically determine all the necessary details. The payer will need to verify the data and enter information on meter readings. Then he makes a payment confirmation and receives an SMS with a password to the phone number.

After entering the identification password, the payment is transferred. The operation goes into the "Completed" category, and the user sees a receipt that can be printed.

Thus, utility bills are paid via the Internet on the websites of banking organizations or electronic payment systems. Users can make a payment within a few minutes after authorization on the service.

The Government Decree, which entered into force in 2009, legalized the collection of additional commissions from payers.

Although 2-3% is not a particularly significant amount, many do not want to overpay. Prior to this, the commission was 1.9% and was included in the total cost of services, and therefore simply not noticed by citizens.

Today, many are looking for a way to save money and pay for services without additional expenses.

Relations in the housing sector are regulated by the Housing Code of the Russian Federation. According to its norms (namely, Article 157), the amount of payment for services is calculated. When calculating the amount, take into account state or local rates.

Taken into account:

in the presence of metering devices (individual,) - the actual volume of the service;
without a device - determined by the state.

The amount of the fee remains the same regardless of the situations:

On one's own it is not possible to change the fee, both in the direction of its decrease and increase. In case of poor-quality services, their supply with interruptions that exceed the norm, you can contact the service provider for.

Payment reduction possible after receiving subsidies by certain categories of citizens.

Fee increase is made at the initiative of the supplier in some cases, for example, the temporary absence of a meter and the need to pay by.

The consumer can independently calculate the payment for a particular service by multiplying the volume consumed by the tariff. Heating, maintenance of the house is calculated based on the area of the apartment. Garbage collection is calculated for each person registered in the apartment.

Existing methods of payment for utility services

Paying utility bills today is easy. To do this, there are several simple and convenient ways.

At bank branches

In the branches of almost any bank, they accept payment for all kinds of services: heating, electricity, water supply and disposal, gas, garbage disposal, and so on.

At the bank teller payment can be made in cash. The difference is that some banks charge a fee and some don't.

For payment payment receipt required, which often consumers receive at home. It already indicates the amounts for each service that you need to pay.

Payment terminals

They help save time, but not everyone can use them. They are located in crowded places: near the subway, in supermarkets.

The scheme is as follows - a person enters a unique number, which is indicated on the utility bill, the amount in rubles, deposits cash through a special hole.

Payment is being made by non-cash transfer of funds to the supplier's account via the Internet.

There is a commission - 3-5% of the amount. The device does not give change, it "leaves" an advance payment to the supplier.

Via Russian Post

No commission paid for services here only clients of the Bank of Moscow or Sberbank who entered into a contract for the transfer of funds.

The rest are charged a commission - 1-3%.

Self-service machines

This segment is represented by numerous information kiosks, depositors, ATMs. You can meet them everywhere.

The commission is charged from the client in the amount of 1.5% of the amount.

With a non-cash transfer directly from a personal bank card, there is no commission.

Where and how to pay for a communal apartment without a commission?

Most consumers in banking institutions and post offices are forced to overpay, because without concluding a special agreement, a commission is charged.

If the consumer is a bank client and receives a salary or other payment on a plastic card, you can pay bills through remote banking.

To do this, you need to register in the system, create your personal account and from there make payments for utilities - choosing the right company, transfer funds from the card to its account.

You should find out if an agreement has been concluded between the supplier and the bank for paying customers for services without a commission.

By using self-service terminal you can pay with a minimum commission. For example, in Sberbank it is only 0.5% when using the terminal.

At ATMs some banks can make a "commission-free" payment for housing and communal services from a personal card.

MTS users can use the "Easy payment" service. True, not all payments can be paid without a commission. You can pay on the MTS website or by calling the short number *115#.

Free Internet services for paying utility bills

With the help of the World Wide Web, you can transfer money from your card to the supplier's account.

Without a commission using the Internet, you can pay for services using a number of services.

Sberbank Online

To do this, a Sberbank card must be connected to the service "Mobile Bank" and register in the system, having received access (password).

To pay through Sberbank Online, you need to select the Utilities tab, specify the recipient, payment period, amount and meter reading (if any).

The money will go to the supplier no later than the next business day.

If desired, you can generate and print a check.

A3 system

Provides payment for some services without commission for Visa/MasterCard/Maestro cardholders from the phone or the card itself.

To make a payment, you need to know your personal account number, have access to your personal account and have funds on your balance.

Internet portal (available only to residents of some regions of the Russian Federation)

Here you can pay for all utility services without exception through a personal account from a bank card.

It is planned to add payment options with mobile and electronic money soon.

QIWI payment system

Provides account holders to pay for any services for housing and communal services without commission.

For payment, registration, a password to enter your personal account and the presence of money in the account are required.

Settlement Center Online

Payment accepted from Visa and Master Card.

Registration on the site is required. In the "Subscriber's Cabinet" you can see the status of the account, the payments made earlier.

Only some utility services can be paid without a commission.

Electronic money

With the development of e-commerce, the method of paying utility bills online is also gaining more and more popularity. through electronic money systems.

The following payment systems are most common in Russia:

webmoney;
Yandex money.

Why and for how long should I keep a receipt for payment?

If the consumer pays at a bank teller, ATM, or terminal, they will receive a check upon completion.

When paying online, the check must be printed on the printer. It must be kept for at least three years.

This can happen if the money "left" to the wrong current account, to another supplier, or simply "stuck" in the bank's system.

However, after three years the court has the right to accept a claim for the protection of the violated right.

Therefore, it is advisable to keep receipts for as long as possible. This will help save the consumer from collecting proof of payment in the event that payment is not received by the supplier company.

Video: What is the most profitable way to pay utility bills?

The story tells what are the alternatives to standing in queues when paying for utilities.

Explains what benefits a citizen receives. when making payments for housing and communal services through branches of commercial banks, through ATMs, as well as through various Internet services.

Tips are given on how to avoid fees for transferring money to utility providers.