How to get a tax deduction for education. How can I pay for my studies at the bank? How to pay for training in

In pursuance of the Federal Law "On Amendments to Federal Law No. 193-FZ of July 3, 2018", guided by paragraph 4.23 of the Charter of the Federal State Budgetary Educational Institution of Higher Education "NIU "MPEI", the cost of training for the 2019/2020 academic year has changed (Order of the Federal State Budgetary Educational Institution of Higher Education "National Research University" MPEI" No. 379 dated 06/05/2019).

Payment in the spring semester, in accordance with the agreement, is allowed in TWO stages (the application for installments is not completed):

• Stage 1 until February 20, 2020, at least 50% of the tuition fee;
• Stage 2 until April 20, 2020, the remaining cost.

Payment in THREE stages is allowed only upon preliminary submission of an application addressed to the first vice-rector V.N. Zamolodchikova. The application must be submitted to the Financial and Contractual Department (room ZH-305) no later than February 20, 2020.

FDO reception hours (room ZH-305):
Mon.-Thu. 13:00 - 17:00
Fri. 13:00 - 16:00

In accordance with the agreement, the student is obliged to confirm the fact of payment for tuition within three calendar days from the date of payment by submitting a payment document to the Financial and Contractual Department (room ZH-305). You can also send a scanned copy of the paid receipt by email to . Please indicate the student's full name in the subject of the email..

A student who does not pay for tuition on time is expelled for non-payment from the Federal State Budgetary Educational Institution of Higher Education "National Research University "MPEI".

An additional agreement to the agreement on changing the cost of training is drawn up in the Finance and Contracts Department (room ZH-305).

Cost of education

Receipt for tuition fees

ATTENTION!!! You can pay the receipt at any bank. At Sberbank PJSC, payments are made without commission!

In the purpose of payment, it is MANDATORY to indicate the student’s full name and contract number.
You can also get a bank receipt in classroom Zh-305 (you must have a contract and grade book with you).

For any questions please contact

Payment for studies through the multifunctional service Sberbank Online is a new offer from the largest banking institution in the Russian Federation. Every student studying on a contract basis knows that timely payment is a guarantee of further studies. And everyone knows the simple truth that a student never has enough time. Therefore, it is worth finding out how to pay for your studies through Sberbank Online.

Example of payment for English courses: stages 1 and 2

To pay using this method, you first need to find out whether the educational institution accepts online payments. Most often, universities in the regions are not connected to the system. Before making a transaction, you should register in the service, having first received your own identifier. In most cases, this service is activated from the moment the card is issued. You can obtain an identifier for registration through the terminal after issuing a check, where the necessary information is indicated.

Example of payment for English courses: stages 3 and 4

You can connect yourself. To do this, you will need to go to the website of the banking institution and click on the “Registration” option. The login will be the card number, the one-time password will be sent via SMS. After confirming your login, you completely change your ID. After completing all the steps, go to your Personal Account.

Example of payment for English courses: stages 5 and 6

Now let’s look at how to pay for your studies through Sberbank Online step by step, if the university is on the service list:

• Select the “Transfers and Payments” section in the menu;
• a page with a list of services will appear;
• select “Education”;
• select the desired category of establishment;
• your region of residence will be indicated on the page;
• if the university is located in another region, then click on the line “Show results without region”;
• the services provided by the establishment will appear in the window;
• select what you need (study fees);
• The recipient bank details will appear automatically;
• fill in the sender’s personal data (full name, passport details, residential address);
• in the “Additional Information” section, indicate the parameters that identify the payment (student’s full name, faculty, course, group, period);
• check the entered data;
• indicate the card to be written off;
• indicate the required amount;
• click “Continue”;
• confirm payment with a code received from SMS;
• if the operation was successful, its status will appear “Completed”;
• print the payment document for presentation to the university.

It is worth paying attention to one point regarding tax deductions. In this case, the payer must be the one who will file the declaration with the tax service. It is his data that is entered into the payment document. In this case, a document with a “wet” seal is provided to the service. It will be placed on a printed receipt at a banking institution. When applying, you must have your passport with you.

If, when searching on the service, your university or technical school is not in the list, then payment can be made using arbitrary details. You can do this as follows:

• After logging in, select the “Translations” section in the menu;
• in the section, click on “Organization transfer”;
• then fill in the details of the recipient bank yourself:
• indicate the bank account, BIC and INN;
• select a card to write off;
• continue filling out the remaining details - KBK, KPP and OKTMO;
• indicate the details of the payer and the student (filled out in the same way as in the previous version);
• verify data using an agreement with the university;
• make a payment by confirming the operation with the code from SMS.

What data is needed for payment?

When paying for training through the Sberbank Online service, a number of data will be required to carry out the operation correctly.

Please note that errors when entering data may be the main reason why your payment may go “nowhere”. Therefore, be especially careful when entering data.

All required data is divided into two groups: the details of the recipient himself and the personal data of the sender, in this case the student.

Recipient data requested by the banking institution:

• payee's bank;
• name of the recipient (educational institution);
• current account number;
• TIN;
• BIC.

When filling out a payment document, the sender must provide the following information:

• last name, first name, patronymic of the sender (in full);
• sender's address;
• last name, first name, patronymic of the student;
• name of the faculty and group number;
• indication of the period for which payment is to be made (per semester - write “first”, “second”, monthly - name of the month);
• identifier;
• Course of Study;
• payment amount in accordance with the agreement with the university.

Commission for paying for studies through Sberbank

Payment for studies without commission at Sberbank is possible only if the educational institution has entered into a service agreement with the banking institution. In all other cases, the commission fee will be 1% of the amount of funds transferred.

How to check payment and not make a mistake

The biggest trouble for a student is an unpaid semester. If the university’s accounting department does not show enrollment, the student faces serious trouble, including expulsion. But sometimes situations arise when a student made a payment transaction, but the money never arrived in the educational institution’s bank account. This can happen if:

• errors were made when filling out the details of the receiving bank or in the personal data of the payer (even the slightest mistake will cause the payment to “hang”);
• The university has changed its details;
• The educational institution's account is closed for various reasons.

It is worth noting that if the card details are entered incorrectly, or for some other reason, the non-credited payment will be returned after 5 days to the sender’s account, but without the commission paid. The only way out is to contact a banking institution and write a statement indicating all the necessary corrections. The sending bank will send a letter to the receiving bank with clarifications, and the transaction will be counted. But time will be lost.

The best advice to avoid making mistakes in filling out a payment document is to carefully fill it out just once, make sure that the payment has gone through, and create a template.

Conclusion

Student time is the most wonderful time. In order not to overshadow it with unnecessary problems, when paying for a contract form of education, it is necessary to make payments on time and in full. The most economical and fastest way to pay for training is to carry out the transaction through Sberbank Online.

• Payment for training through Sberbank Online: transfer fee
• How to pay for your studies at Sberbank Online without commission

Recently, the largest Russian bank began accepting tuition payments through its online service. The process does not take much time, no commissions are charged, and most importantly, all operations can be performed from home or on the road if you use the Sberbank Online application for a smartphone or tablet. All you need to pay is a card with sufficient funds, a device with Internet access and a few minutes of free time. In addition, first obtain payment details from the accounting department of the educational institution or find your training agreement, perhaps all the data is there. In any case, before paying, you need to make sure that the school or university has not changed your payment information, because sometimes such situations happen.

Payment for training through Sberbank Online: transfer fee

The advantage of paying for various types of services through is that there are no additional fees for transfers. Of course there are exceptions, but they do not apply. Commission is charged only when transferring money to cards of other banks. And as you know, most non-profit institutions are serviced by the main bank of Russia. After payment, if you wish, you can print the check if you have a printer nearby or contact a bank branch with this request; you can also print the check at the nearest Sberbank ATM. In order to receive a statement confirming payment for training at a bank branch, you will need to present your passport, and the manager will provide you with a receipt indicating full payment for services, supported by a Sberbank stamp. By the way, if you make payments through self-service terminals, the maximum payment is limited to 15 thousand rubles, which means you will have to carry out two transactions in a row or more, depending on the cost of one semester of study. This is another advantage of online payments, since the daily limit for payments in the Sberbank Online personal account is 500,000 rubles per day. Now let's take a closer look at exactly how to pay for services through your personal account.

How to pay for your studies at Sberbank Online without commission

After completing the procedure, go to the main page of the Sberbank website and log in with your name and password. Now step by step:

You can see what details you will need in the image. Why do we save the template? If you do not want to enter data every time, then the easiest way is to save the sample and in the future just change the payment amount and time periods. This will allow you to pay for your studies in just a few clicks. In addition, if you use the Sberbank Online phone program, you can pay according to the template directly from your smartphone.

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For everyone who paid for a university, kindergarten or driving school

You can receive a deduction for yourself or for close relatives - children, sisters and brothers under the age of 24 - if you paid for their education. It is important that they study full-time and not part-time. If you pay for yourself, then the form of training does not matter.

The deduction is received from the costs of studying at a university, kindergartens, schools, driving schools or foreign language learning centers. The main thing is that the institution has a license to carry out educational activities. It does not matter whether it is a government organization or a private one.

How much money can you get

The maximum amount of expenses for which a social deduction will be given is 120,000 R per year and 50,000 R for paying for children's education. The state will return 13% of this amount: up to 22,100 R in year. You can get two deductions per year if you paid for both yourself and your child. If you spend more on training, you will still only get back 22,100 R. Therefore, it is better to pay for expensive training in stages, rather than over several years at once.

Tax deductions can be obtained for the past three years. In 2017, you can receive a deduction for 2016, 2015 and 2014.

When receiving a deduction, the date of payment for the semester is important, not the start date. For example, you paid for the semester in December 2015, but it began in January 2016. This check is attached to the application for 2015, not for 2016.

How to get a tax deduction

The easiest way to submit documents is at work: you will only need to bring a notification from the tax office about the right to deduction, the accounting department will do the rest for you (clause 2 of Article 219 of the Tax Code of the Russian Federation). But this option did not suit me, because I had already quit.

If you have a personal account on the tax service website, submit your application there. To gain access to the account, you will have to contact the nearest tax office. The login and password for the State Services website will also work.

I did not have access, and I gave the documents in person.

We talk not only about deductions

But also about how to manage a budget, protect money and data from scammers, earn more and invest profitably

How to collect documents

1. Documents from the educational institution - confirm that the educational institution is real.
2. Certificate 2-NDFL - confirms that you received a salary and paid personal income tax.
3. 3-NDFL declarations for each year of study confirm your claims for a deduction.
4. An application for the return of part of the personal income tax is a document according to which the tax office will pay.
5. A copy of your passport - just for order.

Documents from the educational institution. You will need a copy of the agreement and a certified copy of the university license, as well as payment documents: checks, receipts, payment orders.

The agreement with the educational institution can be submitted to the tax office in the original. A certified copy will be required for the university license. The copy can be certified by a notary or at the educational institution itself.

You will also need original payment receipts. If you have lost your check, you can restore it at the institute’s accounting department or at the bank (if the payment was made by bank transfer). I lost one check. Restoring the check cost me 160 R and two hours of lost time: I had to go to the institute and write an application to receive a copy of the payment document.

If tuition fees have been increased, you must provide documents confirming the increase.

It is issued by the accounting department of the company where you work or worked. If you have changed several jobs in three years, you will have to travel around and collect documents from everywhere. The certificate must indicate how much you received and how much income tax was paid for you.

Before going to the accounting department for a certificate, call and ask if it is ready. I arrived at the appointed time a couple of times, and then waited because the accounting department did not have time to process it.

To fill out the declaration, you will need your passport information, checks from the educational institution's cash desk to calculate the amount of tax deduction, and information from the 2-NDFL certificate: employer information, codes and amounts of income.

Application for personal income tax refund. Fill it out by hand or electronically. In the application, indicate the bank details and your account number to which the state will transfer the money to you.

In the application, you can immediately indicate the total amount of deductions for several years.

Identity documents. You need a passport and its copy. If you paid for the education of your children, brother or sister, you need to take with you documents confirming your relationship (for example, a birth certificate).

How to submit an application to the tax office

I collected all the documents and went to the tax office. I budgeted a whole day for this adventure, but in reality everything turned out quickly.

I took the electronic queue number and was invited to two windows. In the first one, I submitted all the documents except the application. I submitted my application in the second window. I finished everything in half an hour.

The tax office checks documents for up to three months. The inspector may find errors and refuse a tax deduction - then you will have to submit the documents again. In this case, when filling out, you must indicate that you are submitting a corrective declaration.

Everything turned out to be in order with my documents. Within a month I received my tax deduction in my bank account.

Remember

1. To receive the deduction, keep all receipts, receipts, and documents from your school.
2. You can apply for a deduction within three years from the date of payment of tuition.
3. Documents for tax deductions are prepared in the employer’s accounting department or on the tax website. Personally, documents are submitted to the tax office only at the place of registration.
4. If you quit your job, immediately take 2-NDFL certificates so that you don’t have to go to your employer again later.

Students and their parents know that late payment of tuition fees may result in not being allowed to take tests and exams, and may also cause expulsion due to violation of the terms of the contract. Today, depositing funds for tuition through a bank cash desk is still relevant, but there are other options. For example, through various Internet services. To transfer funds, just allocate a few minutes of free time and prepare a card. Let's take a closer look at the tuition payment options available to VTB clients.

How to pay for tuition in 2019?

Given the availability of free education in Russia, unfortunately, not everyone who wishes can receive the coveted budget places. In addition, there are specialties where free places are not provided as such. For example, courses where the art of photography is studied. And some even refuse a free place at a regional university in favor of Moscow State University. One way or another, when enrolling in a paid form of education, you must strictly adhere to the payment schedule.

Of course, the fastest and most convenient way to pay for your studies is an online service. However, there are other payment options besides paying for tuition online. The table below suggests the most common methods of transferring funds:

PAYMENT METHOD:	PECULIARITIES:
Payment for studies by non-cash payment from an active VTB bank account to the bank account of the institute.	To make a payment, you must clarify the full details of the educational institution in the accounting department or on the official website.
	In the “Purpose of payment” column, you must indicate the following information: “Payment for training. Petrov I.I. Course: 1. Faculty: Economics. Specialty: Enterprise Economics. Group: EP-A18. Agreement No. 8462. Excluding VAT. The data is provided as an example and should be changed to student data.
Payment for studies by depositing cash through the cash desk of any VTB branch in Moscow and the Moscow region.	To make a payment, you must fill out a payment receipt for payment in cash.
	The commission fee for conducting a VTB transaction is 2% of the total amount.
Payment for studies by using the TELEBANK remote service system (relevant for persons who have a bank account with VTB).	To make a payment, you must independently log in to the system.

How to pay for studies through your VTB personal account?

Active users of VTB online bank can pay for training by generating and paying payments in their personal account. To carry out the operation, you must follow these instructions:

1. Log in to online banking.
2. In your personal account, go to the “Payment for services” section. Enter the name of the institution in the search window and click on it in the list that opens. Then enter the details and make the payment. If the educational institution was not found, you must return to the main page and select the “Translations” section. Click on the “Transfer to another bank” subsection. Enter the details for making payment for studies.
3. Print an online receipt, which is an official document confirming the fact of payment.

If difficulties arise when working with the system, you must call the toll-free hotline to receive detailed recommendations: 8-800-100-24-24.

Registration in the system

Most banks provide their clients with access to a personal account, where they can perform many online transactions. Naturally, in order to start using Internet banking, you need to register in the VTB system. To activate the VTB online service, you must visit a VTB branch with an identification document. You can find the nearest VTB branch using a detailed online map. Customers can also independently connect to the service at any VTB ATM. To do this, you need to make changes in the “Settings” section of the digital menu.

How to recall an erroneous payment?

According to VTB rules, none of the payments made by the system can be erroneous. It is assumed that the client has independently logged into the system by entering the login and password into the personal account or the pin numbers at the VTB ATM. After all, only the client can have access to secret data. After successful login, it is considered that all operations that were completed after entering the confirmation code could only be performed by the client. This means that the transfer of funds to the specified details of the organization was voluntary. The bank does not know about the presence or absence of an agreement between the client and the organization, and accordingly cannot assess the legality of the transfer of funds. The bank’s function is to transfer the client’s funds to the recipient as quickly and accurately as possible. Therefore, the client cannot demand the bank to return the erroneously transferred money.

However, the client can ask VTB to help resolve this issue. To do this, the client who made the unwanted payment writes a free-form statement detailing the situation, offering to meet him halfway and return the erroneously paid funds. Naturally, a receipt for the payment must be attached to the application. Documents are sent to the organization’s address by registered mail or transferred to the bank so that it forwards them through its own channels. The decision remains with the bank. It is possible that VTB may legally refuse to help you return your funds.

Automated payment execution

Autopayment is a very convenient function in your personal account, which allows you to set up automatic debiting of a certain amount of money from a selected account using the specified details. At the same time, the client can independently choose the frequency of the transfer.

Let's take a closer look at the operating principle of this function. The essence of the option is for the system to carry out pre-planned operations in VTB online. After entering the details and specifying the necessary conditions for the transfer, VTB will independently pay for the training.

To create automatic payments according to a schedule, you need to check the box next to the “Set up auto payment” line when confirming the operation. After which you need to confirm the action using a one-time code sent to your mobile number. It is noteworthy that it is impossible to create an auto payment without performing an operation. If you are not planning to make a payment at the moment, you need to save the template and set up the automatic payment itself at the time of the procedure.

Payment by bank transfer

Funds from an active bank account can be transferred to other personal accounts and deposit balances. You can also transfer funds from a VTB account to accounts opened in other banks in and outside the Russian Federation. Therefore, it is also possible to pay for your studies using a bank transfer.

It is noteworthy that on the territory of the Russian Federation, settlements in foreign currency between residents are prohibited, with the exception of a number of transactions, the list of which is given in Article 9 of the Federal Law “On Currency Regulation and Currency Control” dated December 10, 2003 No. 173-FZ. Therefore, you can pay for your studies via bank transfer only in Russian rubles.

As a rule, transfers of funds from VTB bank accounts in Russian currency can be carried out without providing documents. However, to carry out the operation, a VTB employee has the right to ask to see a passport, as well as documents related to the transfer and confirming its purpose.

Payment for studies via mobile application

Most banks have a mobile application, which is, in fact, a full-fledged bank on the client’s phone. VTB is no exception. By installing the application of the same name on your phone, you can monitor accounts, cards, loans and deposits around the clock, as well as promptly pay for your studies. To use the full functionality of the mobile application, you need to activate the VTB online service at any VTB office. The application is available for both iOS and Android operating systems.

To carry out payment for training, you need to go to the “Payments” section, and then open the “Payment for services” subsection. All available operations are divided into categories. After selecting the “Tuition Payment” category, you must follow the system prompts. To view the description of the operation and the timing of its completion, you need to click on the “i” button in the upper right corner of the page.

Is there a commission when paying via VTB online?

The fee for making payments is charged to the payer and is 2% of the total amount only when depositing cash. When conducting transactions on VTB online, there is no commission or is minimal. For example, when transferring an amount up to 3,000 rubles, the commission will be only 20 rubles.

Printing a payment receipt

1. On the main page of the Personal Account, in the “Recent Operations” section, the five most recent operations are displayed. For each of them, it is possible to view the status of the operation.
2. To print a receipt, you need to select the desired payment in the list and click on it. After which the receipt will open in a new window.
3. If the status shows the word “Processed”, the payment is considered successful, which means the following options open up: print a receipt; save your receipt in PDF, TIF or CSV format; send by email.

To avoid problems with expulsion, as well as refusal to issue a certificate or diploma, it is recommended to pay for your studies on time. Thanks to the functionality of the VTB online service, you can pay for your studies at any time of the day, knowing only the bank details of the educational institution and having access to your personal bank account.