How can you pay for housing and communal services without commission. What are the payments and how many receipts must be received once a month? Where to make payments

Federation Council Speaker Sergei Mironov criticized the decision to take a commission fee for paying for housing and communal services at Sberbank. According to the speaker, such an initiative directly contradicts the actions of the President of the Russian Federation, who gave the command to put things in order in the field of setting tariffs for utilities.

There are now five ways to pay for utility bills in Moscow.

1.Cash through a bank

Payment for utilities is carried out according to the following scheme. Residents receive payment orders from the State Institution "Engineering Services" of Moscow (GUIS), they go to pay at any bank convenient for them. From this bank funds are transferred to the GUIS transit account in the Bank of Moscow, and from it to service providers: Mosvodokanal, MOEK, management companies, etc. GUIS does not take money for its services. And banks, as commercial institutions, write off a certain amount for transferring funds from account to account. For example, Sberbank, as a rule, is 3%, but for organizations that are served through the GUIS system, Sberbank's percentage is 1.9. If, for example, the management company that serves your house has an account with Sberbank, then it pays 1.9% of each amount that comes to the account. That is, utilities provide services for a ruble, but in reality they receive 98.1 kopecks. The rest is taken by the bank.

On December 1, 2009, the Moscow government issued a decree No. 1294 "On approval of tariffs for housing and communal services in 2010". In one of the clauses of the resolution of the Moscow government, the relevant departments and the Regional Energy Commission of Moscow in the formation for 2010 and subsequent years of prices regulated by the Moscow government for services for the maintenance and repair of residential premises and tariffs for services of organizations of the communal complex instructed "not to take into account the costs of payment of commission to banks and payment systems for services for receiving payments for housing and communal services. "

This means that the banks' commission for the service of accepting payments, which has not been included in the tariffs for housing and communal services since the new year, had to be paid by the residents themselves.

According to the official representative of the Moscow Bank of Sberbank, from May 1, 2010, the commission for transferring funds to pay for utility services through a teller may be 3%.

Now the consumer has the opportunity to pay for utilities in almost any large bank, however, when making a payment, a commission is charged from 1% to 4%. The lowest commissions are for Promsvyazbank and Uralsib Bank - 1.5% and 1.7%, respectively. The highest is at VTB 24 (4%). Rosbank and the Bank of Moscow have 3%.

2. Remote service channels

Most banks have an online account management service that allows you to transfer funds from your bank account to a service provider's account. To do this, you need to know the payment details of the payee and have funds in the account.

Sberbank offers its customers to pay for housing and communal services by non-cash by connecting to the "Electronic Savings Bank" service. You will be able to carry out payment transactions via the Internet by debiting funds in payment of payments from a deposit account or from a credit card. The commission for transferring funds to the address of organizations with which the bank has contractual relations is not charged.

When accepting payments in favor of recipient organizations with which Sberbank of Russia has not concluded an agreement, the commission is 3% of the payment amount, the maximum payment for making a payment is 2,000 rubles.

By activating the Mobile Bank for Deposits service, you can make payments using your mobile phone by sending an SMS request to deduct the payment amount from your deposit to the address of predefined organizations. The commission for transferring funds to the address of organizations with which the bank has contractual relations is not charged.

Holders of international cards of Sberbank of Russia via mobile communication can pay for housing and communal services using the Mobile Bank service. Currently, there are complete and economical packages of the Mobile Bank service. In the case of choosing an economy package from the Mobile Bank, the service “notification of card transactions” is excluded. When connecting to the full package of Mobile Bank, a monthly subscription fee is charged.

The commission for transferring funds to the address of organizations with which the bank has contractual relations is not charged.

Sberbank customers can use such a service as a long-term order to write off funds. At the same time, on behalf of the client, the Bank itself adjusts the amount of payment when the tariffs for the service change (if there is an appropriate contractual relationship with the receiving organization).

From May 1, 2010, the size of the commission for transferring funds to pay for utility services through remote service channels of Sberbank may amount to 1%.

Customers of the Bank of Moscow can pay for housing and communal services free of charge by transferring funds from accounts / cards opened with the Bank of Moscow, based on the funds filled in by customers (including long-term orders for up to 3 years).

Cashless payment from a bank card account (ATMs, depositors, info kiosks) - free of charge;
- payment in cash (depositors) - a commission of 1.5% of the payment amount;
- Internet-Bank-Client system by non-cash transfer of funds from accounts / cards - free of charge.

Payment for housing and communal services through remote channels is also carried out without commissions from a number of other large banks - from Rosbank, Promsvyazbank. At the same time, only Uralsib (1.7%) charges a commission above 1% for payment for services on the Internet.

3. Payment terminals

In many shops, underground passages and other crowded places of the capital, machines are now installed that allow you to pay in cash for mobile communications, the Internet, digital television and utilities in a matter of seconds. To pay the rent, you need to enter the payer's code and the required amount in the appropriate "windows". In most cases, terminals take a commission - an average of 3-5%. The machine does not give change, but the extra money goes towards paying for future months.

4. Electronic payment system

Today, many companies allow for settlements, contracts and translations. Choose the system that you like best, open your personal account, and you will be able to pay for services through your computer. Money can be credited to the account using prepaid cards, cash or non-cash transfers from a bank account or by mail.

5. Russian Post

The client is not charged a commission when paying for utility services in the capital's post offices.

An exception is the case when the payer lives in a cooperative house. If his management company does not have a contractual relationship with the Bank of Moscow, which regulates the procedure for accepting payments from the population, it is charged a bank commission in the amount of 1% to 3% of the payment amount (minimum 10 rubles, maximum 2 thousand rubles).

In February 2010, the St. Petersburg branches of Sberbank announced their intention to levy a commission from the townspeople when accepting payments for electricity. With a payment amount of up to 1 thousand rubles, Petersburgers will have to add 30 rubles in favor of the bank, if we are talking about large amounts, then the commission will be calculated at the rate of 3% of the total amount.

The material was prepared on the basis of information from RIA Novosti and open sources

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

Payment methods for utilities via the Internet

Payment of utilities without commissionvia the Internet is the most convenient way of making current payments for housing and communal services. Rent onlinecan be produced through the following Internet resources:

1. Pages of banking organizations, for example, Sberbank.
2. Electronic payment systems "Rapida", OPLATA.RU, "Yandex.Money", etc.).

Receipt for rent

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

Payment of rent via the Internet on the Rapida website

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

First of all, to pay utility 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 performed operation, the user selects the desired payee and checks the correctness of his bank details.

You can familiarize yourself with the possible methods of paying utility bills on this website by going from the main page to the link "Private clients" and selecting the "Payment for housing and utility services" tab.

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

The site http://www.oplata.ru also credits funds as part of payment for housing and communal services.

To pay, the payer must have a card of any Russian bank 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 at the time of registration has funds.

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 full list of enterprises - recipients of payments that provide the corresponding services. After choosing the right one and checking the details of the organization, the user enters the payment data and deposits funds to the recipient's account.

To pay for housing and communal services, internet and telephone, citizens can use the payment option without registration. It is performed after entering the subscriber's personal account number and the number of the payment document.

Payment of rent through Sberbank online

Pay rent without commissionyou 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 by going to the Transfers tab and payments ”.

Next, the user selects the section "Utilities and Home Phone". A list of recipients of housing and utility payments opens before the payer. You can select the organization you need from the list by entering the name of the company, the type of paid service, its TIN number or the user's current account in the search box.

Having selected the desired recipient of payment and the type of utility services, the payer proceeds to the procedure for entering the payment details. The user indicates the number of his personal account with 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 the meter indicators. Then he confirms the payment and receives an SMS with a password to his phone number.

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

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

The Government decree, which came 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. Before that, the commission was 1.9% and was included in the total cost of services, and therefore simply was not noticed by the citizens.

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

Relationships in the housing and utilities 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, state or local tariffs.

Taken into account:

• if there are metering devices (individual,) - the actual volume of the service;
• without instrument - determined by the state.

The fee remains the same regardless of situations:

On my own it is not possible to resize the board, both in the direction of its decrease and increase. In case of substandard services, their submission with interruptions that exceed the norm, you can contact the service provider for.

Reduction of payment it is possible even after receiving a subsidy by certain categories of citizens.

Increase in fees produced at the initiative of the supplier in some cases, for example, the temporary absence of a metering device and the need to pay for

The consumer can independently calculate the payment for a certain service by multiplying the consumed volume by the tariff. Heating, house maintenance is calculated based on the area of \u200b\u200bthe apartment. Garbage collection is calculated for each person registered in the apartment.

Existing methods of payment for utility services

You can easily pay for utilities today. There are several simple and convenient ways to do this.

In bank branches

The branches of almost any bank accept payment for all kinds of services: heating, electricity, water supply and disposal, gas, garbage collection, etc.

At the bank's cash desk payment can be made in cash... The difference is that some banks charge a commission and some do not.

For payment payment Advice Required, which consumers often receive at home. It already indicates the amount for each service that needs to be paid.

Payment terminals

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

The scheme is as follows - a person enters a unique number, which is indicated in the receipt for payment of utilities, the amount in rubles, and deposits cash through a special hole.

Payment is made by cashless funds transfer 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” by an advance payment to the supplier.

Via Russian Post

No commission is paid here for services only clients of Bank of Moscow or Sberbankwho have entered into an agreement for the transfer of funds.

The rest are charged a commission of 1–3%.

Self-service machines

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

Client commission is charged in the amount of 1.5% of the amount.

For non-cash transfers 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 a special agreement, a commission is charged.

If the consumer is a client of the bank 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 desired 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.

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

ATMs some banks can make a "commission-free" payment for utility services from a personal card.

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

Free Internet services for utility bills

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

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

Sberbank Online

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

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

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

If you wish, you can create and print a check.

System A3

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 sheet.

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

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

It is planned to add mobile and e-money options soon.

QIWI payment system

Provides account holders to pay for any utility services without commission.

For payment, registration is required, a password for entering your personal account and the presence of money in the account.

Settlement Center Online

Payment is accepted from Visa and Master Сard cards.

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

Only some utility services can be paid without commission.

Electronic money

With the development of e-commerce, the method of paying for utilities online is also gaining in popularity. through electronic money systems.

The following payment systems are most common in Russia:

• Webmoney;
• Yandex money.

Why and how long should you keep a payment receipt?

If the consumer pays at the bank's cash desk, ATM or terminal, he will receive a check upon completion.

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

This can happen if the money "went" 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 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.

Video: What is the most profitable payment method for housing and communal services?

The plot tells what alternatives to standing in lines when paying for utilities are.

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

Provides advice on how to avoid transfer fees to utility providers.

In accordance with article 157 of the Housing Code of the Russian Federation, each user of utilities is obliged to pay them in full and on time. The amount of payment depends on regional tariffs, readings of available metering devices (meters), the number of registered persons in the apartment, its area, the availability of a formalized subsidy and other factors. Therefore, the amount of payments in each case is individual.

Every month the management company or companies that are direct suppliers of housing and communal services send receipts to the owners of real estate, according to which the latter must pay off the debt for the past month. If for some reason there is no receipts, lost, you need to pay remotely, other circumstances, the question arises of how to pay the rent without receipts. Nevertheless, there is always more than one way out.

The relationship between consumers and utility providers is regulated not only by the agreement concluded between them, but also by Article 153 of the Housing Code of the Russian Federation. Most often, owners and tenants receive one receipt, which includes a list of services provided. These are water supply and sewerage, electricity and gas supply, seasonal heating, as well as residential work (cleaning the adjacent territory, garbage collection, maintenance of an apartment building, current and major repairs, etc.).

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The most convenient way

Today, you can pay all payments for an apartment, even without a receipt, without even leaving home, without bothering yourself with a personal visit to any organization. Having access to the Internet, everyone has the right to independently choose any online service, however, in any case, you will have to register a personal account and log in.

Without a receipt, access to information can be obtained by knowing:

• Full name or personal account of the service provider's organization;
• Your personal account number or apartment address (in the latter case, not all resources will be available).

In addition, to pay in a remote format, you need to have a bank card with the funds available on it in the required amount, or an electronic wallet with this amount on its account.

When using services on the Internet, you need to pay attention to the fact that sometimes the details are entered automatically, but you still need to check them so as not to send money to someone who knows where. It is desirable to verify both the address and the name of the consumer, that is, the payer.

The payment confirmation function is standard through the specified mobile phone number, which receives a message with a confirmation code.

Common services

One of the most relevant and most reliable services is the official website of government services. After registering on this portal, you can not only monitor the state of your personal accounts and pay bills on time, but also use other functions, for example, order extracts from the Unified State Register of Real Estate.

Through your account on the website of public services, there is no need to manually enter the details, the user is identified by the number and series of his personal passport entered by him, the number of the contract or protocol. When making a payment through this portal, you can save and even print a receipt for yourself, and you do not need to refer it to the management company. It is also convenient that the entire history of payments made is saved and can be viewed at any time.

There are also a number of non-government services on the Internet, such as, for example, payment.ru. However, since this is a private portal, registration on it is paid, although not expensive, and you definitely need a bank card. With more reliable systems freely available, how rational to use private ones - everyone decides for himself.

The algorithm of actions on any site is almost identical, the user only needs to follow the instructions on the monitor. The procedure itself takes a maximum of ten minutes.

Bank card option

If you have a bank card of any type and any bank, you can create an account in Internet banking. Thanks to this opportunity, each client has remote access to their accounts, their management and control. Today it is the most convenient option for obtaining information about the debt on housing and communal services, for what period and how much to pay.

Having selected the section with payments and transfers in the menu, you should click on the utility line, enter the name or details of the organization that receives the payment, the apartment address or the personal account number. All information immediately appears on the monitor and you can immediately pay for all payments from your bank card.

Payment history, as well as the ability to print a receipt, are available to customers in a similar way to the government services portal. Even if there is nothing to print it on or is not needed at the moment, it does not go anywhere. In case of disputes with the management company, all the necessary information can be printed out at any convenient time.

Payment confirmation is carried out using a mobile phone linked to the card. Thus, the bank protects customers from possible fraudulent transactions. In the future, there is no need to enter the details every time anew - they are saved and it is possible to make payments more conveniently and very quickly.

Alternative methods

There are other methods of paying rent without a receipt. Special services have even been created by the mobile operator Beeline, which, however, is convenient only for the subscribers of this operator, since for the rest the commission will be too high.

Omitting consideration of other private resources, it will be equally important to mention the official websites of regional companies of service providers (Energosbyt, Gazprom and others). Information on them is updated, first of all, but in order to gain access to your accounts, you also need to create a personal account. In it you can see the entire payment history, periods, rates, exact amounts owed, in as much detail as possible. With a bank card, you can pay immediately. If the consumer wants to pay in cash, it is convenient to see the amount to be paid in his personal account and go to the bank to pay in the usual way through the cashier.

How to pay for utilities without a commission?

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

This only requires a bank card, a mobile phone and access to the Internet - 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 utilities without a commission? There are the following payment methods for housing and communal services without a 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, where the holders of salary cards can pay for housing and communal services in the amount of up to 10,000 rubles without additional costs.

How to pay utility bills without a commission at Sberbank

How to pay utilities without commission? Let's take a closer look at the question of exactly what methods you can 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 Mobile Bank service 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 the 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 utilities, 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 utility services using the "Mobile Payment" service absolutely free of charge, using funds on the 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 will need "Utility Payments".
4. Find the right service provider.
5. We fill in the form that opens: personal account, payment method, mobile phone number, 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 6996, to refuse - 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, 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 payment results.

ATTENTION: you can download the mobile application only from the official website of the mobile 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;
• waiting for an SMS message with the payment results.

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 saves the home budget.