Pay for utilities without commission. How to pay for utilities through Sberbank. Online through e-wallets

Previously, in order to pay for utility services, it was necessary to personally visit a bank branch, wait in line, and waste time. In addition, a commission had to be paid for depositing funds. Today, Russian citizens have the opportunity to pay utilities without visiting financial institutions and without collecting additional funds.

When to deposit funds

The timing of payment for housing and communal services is clearly regulated by Article 155 of the RF LC. In the first paragraph of this normative act states that citizens of the country must make payments by the 10th day of each month. Moreover, at this time, the user pays for the services provided to him last month.

In the same document, there is information about the purpose of the penalty in the absence of payments. So, penalties are applied 31 days after the 10th day of the month. That is, for a whole month, a citizen may not pay for utilities and at the same time he will not be fined for such actions.

This is convenient if the citizen is on vacation or is out of the place of permanent residence and, accordingly, cannot deposit funds on time. However, it is recommended to pay off the debt on time. Moreover, now there is an opportunity to pay rent without a commission.

Where to make payments

Today there is a large number of ways of making payments for housing and communal services. As before, citizens can use the services bank branch or one of the branches of the post office. In this case, you will need to pay a commission. It is calculated as a certain percentage of the payment.

The higher the amount paid, the higher the commission. Given the constant growth in the cost of rent, such an additional financial burden can become a problem for citizens. Therefore, the question becomes urgent - how to pay for housing and communal services without a commission? This can be done using:

• ATM;
• Internet banking services;
• electronic payment systems;
• website of government services;
• mobile banking.

It should be borne in mind that not all banks provide their clients with the opportunity to transfer funds without collecting a commission. In some terminals, additional funds are charged for such actions. Sometimes the commission is not charged only for individual payments. For example, any resident of Moscow can use the website of the Mosenergosbyt company to pay the electricity bill without additional costs, but other services will have to be paid with a commission.

Use of ATMs

Where to pay utility bills without commission? Many big banks give their customers the opportunity to pay without commission through ATMs. In this case, it is enough for a citizen to use the appropriate ATM, select the item regarding payment for services, and then fill in the required fields.

But before using an ATM, it is recommended that you familiarize yourself with the conditions of the bank to which it belongs. Not all financial institutions provide such opportunities. The country also has a large number of terminals. Their advantage is the ability to deposit funds in cash, which may be needed in the absence of plastic or funds on it. However, most of these devices charge a fee for making payments.

Electronic payment systems

You can pay for housing and communal services without commission also in the case of using electronic payment systems. This is possible, for example, in the case of using services "Rapida" and "Payment.ru"... So:

It should be noted that not all services provide an opportunity to pay rent without collecting a commission. In some services, this is done as recurring promotions, such as in the QIWI service.

Internet banking

Modern financial institutions offer their clients to become users of Internet banking. In some banks, the transfer of funds towards payment for utility services via Internet banking is not subject to a commission (for example, at Citibank). In this case, the calculation can be made without additional financial costs.

However, payment for utilities without a commission is not valid in all financial institutions, so it is recommended that you familiarize yourself with the terms of transfers before carrying out the operation. For example, in "Sberbank Online" you cannot pay rent without a commission. However, if in a bank branch it is 3%, then in Sberbank Online it is only 1%.

Mobile banking

If you need to pay a commission of 1% of the transferred amount for transferring funds through Sberbank Online, then in the case of mobile banking from Sberbank, no commission is charged. It is enough for the user to connect this option after registering in Internet banking.

After the user registers in the system and connects the mobile bank, you need to go to the section "Housing and communal services ...", select a specific organization in the list, enter the details, information from the counters. After all the fields are filled in, it is necessary to confirm the payment using the code sent to the client's phone. You can print the receipt by going to the category "Executed", and choosing the appropriate payment.

Using the service "Gosuslugi"

With the help of the "Gosuslugi" service, you can not only submit applications to various government agencies but also pay the rent. At the same time, the service does not charge its customers a commission for making payments. However, you need to understand that it can be collected by the bank or service provider.

For example, the owners of plastics from banking organization Bank of Moscow is able to pay rent without any additional costs, but for other banks the commission may be 0.8%. In addition, the site is a bit awkward to use. In some cases, service interruptions are possible.

Thus, payment for housing and communal services without a commission is possible. Today, citizens do not have to stand in line at the bank and incur additional costs. To transfer funds, you can use ATMs, electronic payment systems, Internet banking / mobile banking, the website of public services. In this case, the citizen is advised to carefully read the terms of service before making a payment. Not all participants financial market provide their clients similar services... In some cases special conditions only apply to payments for certain housing and communal services.

In Russia, there are many ways that they use to pay for utilities. The methods are absolutely effective and enshrined in legislation. But it is not always possible to pay for utilities without a commission.

Commissions for payments for housing and communal services are common, and most Russian banks set them.

Alternatively, a percentage of the amount transferred by the client is used. As a result, people are losing extra money and many would like to save on commissions. Therefore, it is useful to be aware of the conditions set by different banks.

What does the law say?

It is necessary to pay attention to the norms prescribed in Art. 1005 of the Civil Code of Russia. There is an agency agreement, where it is spelled out: one of the parties agrees to carry out legal, as well as other actions on its own behalf, but the work is carried out at the expense of the principal. The latter pays the set amount of rent in the manner prescribed by the agency agreement.

Art. 155 (part 15) of the country's LCD says that the management company can settle accounts with homeowners and charge them money for the use of real estate and utilities. In this case, the participants in the action are some payment agents who accept payments from individuals. persons.

Art. 155 refers to the payment of utility bills, as well as housing (house, apartment, etc.).

The amount of the commission that will be charged additionally

For holding banking transactions a commission is envisaged. Citizens of Russia need to obtain information themselves about which financial institutions offer the minimum or zero amount. Dealing with only one bank and carrying out transactions using different methods, the fees charged are not the same.

So that there is no additional financial burden, it is advisable to learn everything about the features of transactions for paying for housing and communal services. In the future, the client will use the services of the bank, where the commission is minimal or will choose the most careful method.

You can pay attention to specific examples collection of a commission, for example, at Sberbank. If you pay for communal services through:

• terminals from 0.5 to 2%;
• cashier - 2-3%;
• online - 0.5-1%;
• ATMs from 0.5 to 2%.

Commissions when calculating using the terminal may vary. What matters is where the equipment is installed. Therefore, before paying, it is better to clarify the amount of the commission.

Payment for housing and communal services without commission

Employment, a frantic pace of life are not a hindrance to paying for utility bills at lightning speed. The latter is done easily, thanks to the development of electronic technology. It can be used for these purposes very convenient services, and the commission will be minimal.

A person needs to make payments for utilities:

• mobile operator (MTS, Beeline, etc.);
• access to the Internet;
• bank card.

You can pay for services without a commission by visiting a housing and communal services institution. But there are queues waiting for the client, which almost never disappear. Such a method is hardly suitable for a working person. It is time consuming. But it is very popular among pensioners.

In order not to give additional interest of the amount paid, you can use the bank's cash desk. But not all fin. institutions offer such services. First you need to find out whether a commission is charged or not in a particular place.

You can use the post office and pay no interest, but there are restrictions. People who have entered into agreements with the Russian Post and are clients of the bank have this right.

Terminals and ATMs are quite a convenient payment method. But this applies to cardholders.

A good no-commission payment method through internet banking. There is no need to be afraid of this method, it is not inferior in the reliability of a direct visit to the bank.

Payments for housing and communal services can also be made through mobile operators. For this are used special programs installed on laptops. They work well in the Android system on phones.

Not many banks provide customers with the opportunity to pay for utility services without a commission, these are:

• Tinkoff;
• Citibank;
• Credit Europe;
• Uniastrum Bank.

This became known as a result of research conducted in 2016. Promsvyazbank can also be added to this list, only without interest it will be possible to make a payment of up to 10 thousand rubles.

Post office

Payment for housing and communal services through the Russian post is popular in small settlements, villages, villages. In big cities, the pace of life is fast, so such services are losing their attractiveness. After all, you need to visit a post office to make a payment.

In some regions, a commission is still charged for paying for housing and communal services at the post office. Before calculating, you need to clarify this point with the operator.

Payment is made near a free window. You often have to stand in line. The operator needs to return the filled books for services. The money is accepted by the postal employee, who then enters the data, transfers the second receipt to the client, and keeps the first one. The operator also returns checks to the customer, which contain information about the payment.

Sberbank Online

To pay bills without any problems, and there was no interest, you will need:

• access to the Internet;
• bank account;
• be a user of Mobile Banking.

It is necessary to carry out a number of simple actions:

• log in to personal account(you can find out your password and login using the self-service terminal);
• the entrance to the site must be confirmed using SMS (a code will be sent to the phone, it is written in a special field that appears after entering the username and password);
• click on "Payments and Transfers";
• among the available categories click "Housing and Public Utilities and Home Phone";
• you should choose a service from the list that appears;
• then select a service provider from the list;
• a form appears that you need to fill out;
• if all the data is entered correctly, you can move on and click "Continue";
• Then again the code comes to the mobile phone, you need to enter it.

If everything is done correctly, and the payment is successful, a page will appear where the results of the action performed are displayed. The receipt can be printed if necessary.

To pay without commission, you can use the mobile application from Sberbank Online. This method works great in devices that use:

• iPhone;
• Android;
• iPad;
• Windows Phone.

The application is downloaded from the official Internet resource of Sberbank. You must register in this system after downloading it.

To pay for utility services through the application, you need:

• Go to the application (this is done with a five-digit code. It will be recognized during registration).
• You need to look at the settings and check the region so as not to make a mistake with the service provider.
• Click on "Payments and Transfers".
• A whole list will open, from which you should select "Housing and Public Utilities".
• Select a service provider.
• A form will open, you need to fill it out.
• Click "Pay".
• Confirm the action.

If you need to check the status of a payment, then this information is contained in the history.

Yandex money

This service is very popular among users, this also applies to housing and communal services. The payment form can be found at home page wallet. But first they find the desired section.

There are transaction limits if you select this payment system. Maximum amount is equal to 10 thousand rubles.

It may take several days for the funds to reach the addressee. The money in the wallet will be debited to the account legal entity.

Public Service Portal

The State Service does not take a commission for paying utility bills from its own clients. But interest on the amount paid can be calculated by the service provider, as well as the bank used by the client.

If the payer decided to use the website of the State Service, then he can use a bank account or electronic wallet.

To start paying through the State Services, you need:

• go to gosuslugi.ru;
• log in to your personal account or register;
• entering the office, click "Payment";
• select "Payment for housing and communal services";
• click "Pay";
• a window appears, in it you should select "Get a service".

Thanks to this method, the client will avoid queues, save time, and eliminate confusion in receipts.

Terminals and ATMs

Some fin. institutions make it possible to pay for housing and communal services through an ATM without losing money on the commission, but such advantages are given only to their customers. If a person does not have an account in financial institution, then he will have to overpay interest.

To pay through an ATM, you need to select the "Utility Payments" item, which will certainly be on the scoreboard. You must also enter the required data. It is better to familiarize yourself with the terms and conditions before paying at an ATM, but not all fin. institutions enable the client to become familiar with these requirements.

Utilities services without commission are easy to pay using terminals. But fewer of them do not charge interest. You will need cash for this, no card is needed. It is necessary to enter the account number in a special field, some personal data. Then payment follows.

Receipt of payment

The receipt (or ENP) of payment must be kept. It is not thrown away, but saved in paper form. If money was deposited via the Internet, you need to print a check. You will need receipts when selling a home.

The receipt storage period is 3 years. This is spelled out in the statute of limitations.

In 2018, it is quite possible to pay for utility services without overpaying the commission, established by the bank... To do this, use terminals, payment systems that offer their services via the Internet, terminals and other available methods.

It will be interesting for you

Most banks offer free utility bills. However, the list of companies is often limited - there may not be the necessary HOA, housing cooperative or management company... For example, if you go to the Sberbank office and try to pay for the services of a management company with which the bank does not have an agreement, you will have to pay a commission of 2%, but not less than 50 rubles. Overpayment for the year will be at least 600 rubles.

You can significantly reduce costs by sending money through Internet banking, where you need to make a money transfer from a card. This will require the full bank details of the utility company. As a rule, they are indicated on the receipt.

We studied the commission for sending money from a debit card in the top 100 banks in Russia by assets. Free payment for utility services and Money transfers to legal entities whose accounts are located in other banks are provided for Citibank customers, Tinkoff Bank, Credit Europe Bank and Uniastrum Bank.

In other cases, the client needs to do fixed payment for the service - 10 rubles, or pay at least 0.3-2% of the transfer amount, but at least the same 10 rubles.

The most high commission for money transfers taken in Sovcombank - 1500 rubles. Also, a large fee is charged to Gazprombank and Raiffeisenbank - 1.5% of the amount of the payment, but not less than 200 rubles.

15 banks through which it is most profitable to pay for housing and communal services

The study involved the top 100 banks by assets as of July 1, 2016. The bank's website contained the lowest possible commission when transferring money to a legal entity whose account was opened with another bank. Usually, minimum commission provided for existing customers making payments via Internet banking. The source of funds was debit card client. If the size of the commission was the same for several institutions, then they were included in the rating by the size of assets (the more assets, the higher the position). The rating did not take into account the opportunity to pay for utility bills to service companies for free, since this list is limited in each bank.

How to pay for housing and communal services without a commission?

Given the employment of the population and modern developments in the field of electronic technologies, financial institutions and mobile operators today they provide convenient services for paying for housing and communal services with minimal time costs and no additional interest.

This only requires bank card, mobile phone and Internet access are the resources that each person has.

Where can you pay for housing and communal services without a commission for housing and communal services?

How to pay for housing and communal services without a commission? There are the following payment methods for housing and communal services without commission:

Banks without commission

According to the results of the 2016 research, in which the 100 largest banks in Russia were involved, Citibank, Tinkoff Bank, Credit Europe Bank and Uniastrum Bank provide their clients with free payment for utility services.

You can add Promsvyazbank to this list, which has salary cards can pay for housing and communal services at no additional cost in the amount of up to 10,000 rubles.

How to pay for housing and communal services without a commission at Sberbank

How to pay utilities without commission? Let's take a closer look at the question of exactly what methods can be used to pay for housing and communal services without a commission at Sberbank.

Sberbank Online

To work with Sberbank Online, you need to have a personal bank account, as well as a connected service “ Mobile bank»And Internet access:

ATTENTION: to distinguish the bank's original site from fake sites, you need to pay attention to the address bar, which must begin with the characters "https".

This protocol should pop up with every authorization on the page or when transferring payment data. This rule applies to all payment systems.

In more detail, the procedure for paying utility bills is presented in the following video:

Sberbank Online mobile application

This application is a mobile version of Sberbank Online Internet bank for all devices based on the Android operating system, Windows Phone, iPhone, iPad. You can download it from the official website of Sberbank, after which you need to register to work.

To pay for housing and communal services, you need to do the following:

1. We go to the application service using the five-digit code specified during registration.
2. In the settings, we check the specified Region for the correct display of service providers.
3. We select the section "Payments and transfers".
4. From the list of payments we choose "Housing and Communal Services".
5. We fill in the opened form with the necessary data.
6. Press the button "Pay".
7. We confirm the payment.
8. The payment status can be viewed in the "Payment history".

Paying Utilities Using Your Phone

Yes, yes, you heard right, now utilities can be paid using the phone.

"Mobile payment" from Beeline

The operator offers to pay for housing and communal services using the service " Mobile payment»Absolutely free, using funds on your phone account or bank card.

To do this, on the official website, you need to create your personal account by registering.

1. In your personal account, go to the "Finance and Payment" section.
2. We select the category "Payment for services".
3. We need "Utility Payments".
4. Finding the right service provider.
5. We fill in the form that opens: personal account, payment method, number mobile phone, payment amount.
6. Press the button "Pay".
7. We confirm the payment by entering a one-time password from an SMS message.

ATTENTION: For a successful operation, after payment, at least 60 rubles must remain on the phone account.

You will learn more about this service in the following video:

"Easy payment" from MTS

To work with this service, you need to download an application to your phone, with which you can pay for services without leaving your home.

In this case, the commission is not removed.

If a mobile phone account is used to make a payment, the procedure is as follows:

1. In the "Pay" category, select the required service provider.
2. Enter the requested details and indicate the amount to be paid.
3. We confirm the payment using the access code.
4. In the received SMS message with payment data, you need to check all the information.
5. To confirm the operation, send any SMS to the number 6996, for refusal - SMS with the number 0 to the same number.
6. After that, you will receive a message notifying you of the payment results.

To learn how to use the Easy Payment service from MTS, see this video:

If a bank card is used for payment, we do the following:

1. In the category "My cards" add the data of the used bank card.
2. Find the required service provider in the "Pay" category.
3. We fill in the opened form with the necessary details.
4. We confirm the payment.
5. We are waiting for an SMS message about the results of the payment.

ATTENTION: download mobile app possible only from the official site cellular operator.

MTS payment portal

To pay for services without commission, you can use the USSD codes through the payment portal:

• we type the command * 115 # on the phone keypad;
• choose the category "3 Apartments";
• find the right supplier and send a command;
• indicate the personal account number and other details;
• after you have entered the payment amount, you will receive an SMS with the text "Your request has been accepted";
• within 15 minutes, you will need to confirm the payment to 6996, as indicated earlier;
• we are waiting for an SMS message with the results of the payment.

As you can see, you can pay for housing and communal services without a commission without leaving your current location. The increasing attraction of people to remote services not only reduces queues in the field and makes life easier, but also allows you to save your home budget.