Pay utility bills without commission. How to pay utility bills without commission. Payment methods for utility bills without commission

24.10.2021

Where and how can I pay for these services in Moscow in 2018? This will be discussed in this article.

Calculation of utility bills: what is included in it in 2018

The Housing Code of our state regulates relations in the field of utilities, including their payment. In Moscow in 2018, for the correct calculation of the cost of housing and communal services, tariff indicators are taken as a basis, which exist in two types:

State (those tariffs that are set at the state level).
Local (tariffing adopted by local authorities, in our case, the administration of Moscow).

So, the following factors must be taken into account:

availability of individual or general house metering devices (their indicators are included in the calculation of the actual amount of payment for housing and communal services);
in the absence of such metering devices for calculations are taken government regulations use of housing and communal services (common to all citizens of our country).

A Russian who is a user of housing and communal services cannot independently change the already established tariffs. Payment in size remains unchanged even when it changes:

Type of ownership:

state;
municipal;
private.

Type of residential building management:

ZhEK (housing and maintenance office);
HOA (homeowners association);
housing cooperative.

Reasons for using the premises for their intended purpose:

rent;
possession, etc.

In case of dissatisfaction, the user of the provided housing and communal services, declaring their poor quality (for example, untimely water supply with significant interruptions), can contact the provider of these services directly, as a result of which a recalculation will be made sum of money to pay them.

There are also cases when utility bills are officially changed on an individual basis for the user himself. It:

A decrease in the amount due to a subsidy.
An increase in payment at the initiative of the supplier (such a case can be considered the temporary removal of the meter and payment for the corresponding service in accordance with generally accepted state standards).

So, in Moscow in 2018, the practice is widespread when the consumer independently calculates the amount of utility payments. To do this, it is necessary to multiply the consumed volume (for example, water, gas or light) by the established standard tariff. At the same time, heating and maintenance of housing should be calculated based on the footage of living space, garbage disposal based on the number of people living.

Payment methods for housing and communal services in 2018

In 2018, utility payments can be made in several generally accepted ways:

At bank branches Russian banks on the this moment accept payments for all types of housing and communal services):

for heating;
for the world;
for water supply;
for water disposal;
for gas;
for the removal of household waste;
for the services of the company that manages residential building generally.

With the help of payment bank terminals (due to its simplicity, this method remains quite popular among elderly Russians), but such payment is always made only with a commission through a cashless transfer Money.
Services of the Russian Post (such a service is available without a commission not to all Russians, but only to clients of Sberbank and the Bank of Moscow, other banking institutions require small commissions for their services).
Through self-service banking machines (they will also charge a commission percentage, most often it is 1.5% of the transferred amount of money):

ATMs;
depositors;
information kiosks.

The following nuance should be taken into account: when paying for housing and communal services using the fourth method, there will be no commissions only if the funds are transferred by bank transfer from the consumer's bank card to the account of the supplier company.

Using the Internet - online services cashless payment(the payment procedure is made quickly and without commission, and without interest):

Sberbank Online" (service " Mobile bank» available if you register on the Sberbank website, includes the generation and printing of a payment receipt);
AZ system (such payment without commission works only for owners of payment cards such as Visa, MasterCard, Maestro, it is enough to register in the Personal Account of this system, enter the personal account number of the utility service provider and transfer money by bank transfer);
Kiwi (QIWI) - such payment system allows you to pay all possible utility bills without commission;
clearing center"Online" - payment is possible only after completing the registration procedure on this site in the subscriber's office, while Visa and MasterCard payment cards are accepted for work, and there is no commission for only a few services;
payment systems "Electronic money" (their principle of operation is similar to Qiwi - you register and open your virtual wallet, from which utility bills are paid without commission): WebMoney and Yandex.Money.

Experts warn: regardless of the chosen method of paying for housing and communal services, always try to print a check and keep it. This is necessary to confirm the perfect transfer of funds from the consumer to the service provider. The check must be kept for three years. Such a time period is not random, it is limited by the expiration limitation period- Civil Code, article No. 196. If a utility service provider files a claim in court for non-payment of consumed services, then the consumer can always present a check as evidence of his honesty. This situation is possible in two cases:

funds were erroneously received not on the account of the supplier, but on another account;
non-cash transfer "hung" in the banking system.

Therefore, it is best to save all utility bills for at least three years to confirm the payment made.

Free legal advice:

Is it possible to pay utility bills in Moscow without commission in 2018?

Experts answer this question in the affirmative: it is possible. True, if you decide to pay for utilities with the help of some bank, then he can set his own personal percentage commission. There are several banking institutions in Moscow that do not charge commissions for their services:

Other Russian banks in 2018 take commissions for their services (for example, Alfa-Bank - 29 rubles per transfer, and the Bank of Moscow - 1.5% (this is from 20 rubles to one thousand)).

3 comments

The state no longer knows how to crush us!? Already got it with their requisitions. Put all officials on our penny salaries and pensions of ordinary people, and let them pay for everything with a commission.

If you deceive a million residents for 1 ruble, then you can put a whole million in your pocket. Large, however, pockets ... Sberbank requires 148 rubles in addition to the frantic appetites of housing and communal services

You can pay utility bills if you have a Muscovite Social Card, without a commission, upon presentation of it at

Free legal advice:

"Bank of Moscow" (VTB). I do this, i.e. tested in practice. And I pay for Mosenergo services at Rosgosstrakh Bank, there really is a commission for this payment - 1.5%, while without "but not less than 20 rubles", as in the "Bank of Moscow"

Payment of utilities without commission

Previously, in order to pay for housing and communal services, it was necessary to personally visit a bank branch, wait in line, waste your time. In addition, you had to pay a commission 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 terms of payment for housing and communal services are clearly regulated by Article 155 of the Housing Code of the Russian Federation. 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.

The same document contains information on the appointment of penalties in the event of no payments. Thus, penalties are applied 31 days after the 10th day of the month. That is, for a whole month a citizen may not pay utility bills and at the same time he will not be fined for such actions.

Free legal advice:

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

Where to make payments

Today there is a large number of ways to make payments for utility services. As before, citizens can use the services of a bank branch or one of the postal branches. 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 increase in the cost of rent, such an additional financial burden can become a problem for citizens. Therefore, the question becomes relevant - how to pay for housing and communal services without a commission? You can do this with:

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

At the same time, it should be taken into account that not all banks provide their customers with the opportunity to transfer funds without charging 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 Mosenergosbyt website to pay an electricity bill at no additional cost, but other services will have to be paid with a commission.

ATM use

Where to pay utility bills without commission? Many large 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 related to payment for services, and then fill in the required fields.

Free legal advice:

But before using an ATM, it is recommended that you familiarize yourself with the terms and 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 if there is no plastic or funds on it. However, most of these devices charge a fee for making payments.

Electronic payment systems

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

In order to use the Rapida service, you need to register on its official website. In addition, in order to transfer funds without a commission, you must have a plastic card of this system. After going to the site, you need to go through the authorization procedure, go to the "Rapida-online" tab and select the appropriate section. Next, you need to select the recipient and check the correctness of the details.
You can also make a payment without charging a commission through the Oplata.ru service. To do this, the user must have a plastic card any banking organization. Commission when using the service for rent is not charged, however, to connect to the system, you need to pay 150 rubles. Payments are made through a personal account.

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

Internet banking

Modern financial institutions offer their customers to become users of Internet banking. In some banks, the transfer of funds to pay for utility bills through Internet banking is not subject to commission (for example, in Citibank). In this case, you can make a calculation without additional financial costs.

However, payment of utility services without a commission is not valid in all financial institutions, therefore, 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%.

Free legal advice:

Mobile banking

If it is necessary to pay a fee of 1% of the transferred amount for transferring funds through Sberbank Online, then in the case of mobile banking from Sberbank, no fees are charged. It is enough for the user to activate 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 "Housing and communal services ..." section, select a specific organization in the list, enter the details, information from the meters. 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 a receipt by going to the "Executed" category and selecting the appropriate payment.

Using the service "Gosuslugi"

With the help of the “Gosuslugi” service, you can not only apply to various state institutions but also pay the rent. At the same time, the service does not charge its customers a commission for making payments. However, it must be understood that it can be charged by the bank or service provider.

For example, owners of plastics from the Bank of Moscow banking organization have the opportunity to pay rent without any additional costs, however, for other banks, the commission may be 0.8%. Also, the site is a bit awkward to use. In some cases, service interruptions may occur.

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

Free legal advice:

Found an error? Select it with the mouse and click:

Your finances under control

Reprinting of materials is allowed only with the indication of the original source

Modern methods of paying utility bills without commission: where and how to do it?

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

Free legal advice:

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 total cost 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.

How are utility bills calculated?

Relations in the housing sector are regulated housing code RF. According to its norms (namely, Article 157), the amount of payment for services is calculated. When calculating the amount, state or local tariffs are taken into account.

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

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

change of form of ownership - state, private, municipal;
change in the form of house management - ZhEK, HOA, housing cooperative;
grounds for the use of residential premises - rent, ownership, etc.

It is impossible to change the size of the board on your own, both in the direction of its decrease and increase. In case of low-quality services, their supply with interruptions that exceed the norm, you can contact the service provider for recalculation.

Free legal advice:

A reduction in payment is also possible after certain categories of citizens receive a subsidy.

The 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 according to the standards.

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, services of management companies, gas, garbage collection, and so on.

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

Free legal advice:

Payment will require a billing statement, which is often delivered to consumers 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 made by non-cash transfer of funds to the supplier's account via the Internet.

Via Russian Post

Only clients of the Bank of Moscow or Sberbank who have entered into an agreement on the transfer of funds pay for services here without a commission.

Free legal advice:

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 from the client is charged 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.

Free legal advice:

If the consumer is a bank customer and receives wages or other payment to 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.

Using the 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 of some banks, you can personal card make "commission-free" payment for utility services.

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 legal advice:

Free Internet services for paying utility bills

With the help of the World Wide Web, you can pay for housing and communal services in a non-cash way, transferring 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, you need to connect the Sberbank card to the Mobile Bank service and register in the system, gaining 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).

If desired, you can generate and print a check.

Free legal advice:

A3 system

Provides payment for some services without commission for owners Visa cards/MasterCard/Maestro 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 your personal account from a bank card.

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.

Free legal advice:

Settlement Center Online

Payment is accepted with 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 for utilities online through systems is also gaining more and more popularity. electronic money.

The following payment systems are most common in Russia:

Free legal advice:

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, even 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.

Free legal advice:

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.

Do you have any questions? Find out how to solve your particular problem - call right now:

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2 comments

Of course, in big cities there are more payment options. You can choose how and where to pay utility bills. But if you have to live in small suburban villages, there is less choice. Nevertheless, our family has been paying utility bills via the Internet through the Webmoney payment system for about six months now. It is very convenient - without leaving your home, you put a certain amount into your account and sleep peacefully.

Free legal advice:

Sberbank online takes a commission for paying utility bills from 0.5 to 1%%, except for Rostelecom and MGTS.

Rent without commission in Moscow

Online payment for utility services in Moscow

No commission. Do not overpay when paying for housing and communal services.
By the Internet. Pay utility bills in Moscow without receipts and queues at the bank.
Bank card. Use a convenient way to pay utility bills - without cash withdrawal and change calculation.
Even if you are not a client. On our service, payment for housing and communal services is available not only to Tinkoff Bank customers.
Add. info: Payment is made only for accruals for the last 12 months. Term for crediting funds: no later than the 3rd working day.

Free legal advice:

Payment of utility bills without commission

According to experts, the introduction of a commission on utility bills is a way to attract customers to use ATMs and online applications banks, because with their help you can avoid paying commission.

Acceptance of payments for utilities at the cash desk or at the post office requires the payment of a commission, which is equal to 1 - 3% of the payment amount.

Responsibility for rent

According to the norms of housing legislation, citizens must pay the rent by the 10th day of the month following the month of life.

The rent includes payment for:

Where can I pay utility bills without commission?

There are many ways to pay utility bills today. The only question is who is more comfortable to use, and how this system works.

Cash

The easiest way to pay for housing and communal services is to pay in cash to the cash desk of a bank or housing office.

All that is needed is to fill out the receipts, indicating:

payment amount;
payment period;
tenant account.

Terminals

The advantages of paying for utility bills at the terminal are simplicity and speed. No need to waste your time standing in line.

commission in this case is charged from 3 to 5%;
change is not issued;
overpaid funds go either to the account of the next month, or to the account or phone indicated by the person.

To pay utility bills, you need to determine which terminal has the lowest commission.

The procedure is as follows:

When paying with a card, you need to insert it into the terminal, and then select the “utility payment” tab on the screen.
Next, you should enter the information that the device will request - the user number, as well as the payment period for which funds are deposited.
The next step is choosing the type of payment, namely with or without insurance. The amount due will appear on the screen.
If payment is made by card, you just need to confirm the operation, if in cash, then you need to deposit the amount in a special compartment designed for entering banknotes, and you will receive a check.

Interested in paying utility bills online? See here.

Online over the internet

To pay via the Internet, you must enter a site that specializes in this service. It is better to use the website of a bank or public services where the tenant is served.

To make payments you need:

register on the site and enter the site using your login and password;
select the tab "payment of utilities";
on the page you need to select the city and organization to which you want to pay the fee;
then enter the receipt number and payment amount and confirm the payment.

In order not to enter data next time personal account and do not search for the enterprise again, this payment can be selected as a template, and in the future only the amount and period of payment can be changed.

ATMs

To make sure that the ATM does not take a commission, as well as the possibility of paying through it, it is better to find out the information at the bank.

When concluding a bank agreement with organizations providing services to the population without a commission, you can pay for utilities at an ATM.

insert the card into the ATM, enter the pin code;
after a successful login, you need to select the “cash payment” button, then “next”, where the line “payment for services” and “utility payments” will appear;
The ATM will ask for the receipt number, the period for which money is required and the payment amount.
after pressing the "payment" button, the machine will issue a check on the successful operation.

Post office

If citizens have plastic cards of Sberbank or the Bank of Moscow and an agreement on the transfer of funds from the card to pay for utilities, then they will not be charged a commission.

Other citizens who live in cooperative houses can pay utility bills at the post office, however, the payment fee will be charged in the amount of 1-3% of the total payment.

Sberbank

You can pay utility bills at Sberbank without commission only if you have a bank card using a terminal, debiting the required amount from your account.

When paying with a terminal, you need:

insert a card and enter a pin code;
if payment will be made in cash, you need to click on "cash payment";
then, by selecting "payments", a list of organizations will be presented to the account of which funds can be transferred to pay for utilities;
after that, you need to bring a receipt to the terminal screen so that it reads the barcode;
if the code has been read, the terminal will give out a sound similar to the identification of goods in a supermarket when paying.
a receipt will appear on the screen, which must be verified with the original, you need to carefully check the details on the receipt;
when paying for water or electricity services, you need to enter meter readings;
After verifying the information, a "confirm payment" button will appear.

When paying in cash, bills must be inserted one at a time, into a specially designated hole. After making required amount The screen will display “confirm payment”.

When paying by card, withdrawals are processed automatically. After a successful operation, a check will be issued, which should be kept for three years.

Other banks

Citizens can pay utility bills at any bank convenient for them.

The procedure for paying utility bills is as follows:

the tenant receives monthly receipts or fills them out on his own;
sent to the bank to pay the total specified amount.

In this case, the bank acts as an intermediary organization that sends funds for water, gas, heating and electricity to the account of organizations.

The bank can set the commission independently both for all types of services, and for a specific organization.

For regular customers, the bank can provide services for paying utility bills without commissions or with a lower percentage.

So, it is the responsibility of residents to pay all commission fees that banks set at their discretion.

In Sberbank, the commission for paying utilities reaches 3%, in UralSib and PromsvyazBank, the commission is minimal and amounts to 1.7% and 1.5%. Most high percent Commission is set in VTB 24 Bank and is 4%.

In most banks, regular customers are offered to pay utility bills without commissions.

How are late payment penalties calculated? Read here.

How to pay utility bills through Sberbank Online? Step by step instructions in this article.

Receipt

A receipt for payment of utility bills is proof of an operation to deposit funds into the account of an enterprise that provides water supply, gas, heating and light services.

The receipt is issued upon payment of utility bills:

When paying for utilities at a terminal, ATM or via the Internet, the payer is issued a check.

So, there are a lot of ways where you can pay utility bills without a commission. You only need to choose alternative ways, in which the company does not take a commission or takes it, but at a minimum percentage.

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Full or partial copying is punishable by law!

Today, Russian citizens have the opportunity to pay for utilities without visiting financial institutions and without collecting additional funds.

When to deposit funds

The terms of payment for housing and communal services are clearly regulated by Article 155 of the Housing Code of the Russian Federation. The first paragraph of this regulatory 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.

Where to make payments

Today, there are a large number of ways to make payments for utility services. As before, citizens can use the services of a bank branch or one of the postal branches. In this case, you will need to pay a commission. It is calculated as a certain percentage of the payment.

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

ATM use

Free legal advice:

Electronic payment systems

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

In order to use the Rapida service, you need to register on its official website. In addition, in order to transfer funds without a commission, you must have a plastic card of this system. After going to the site, you need to go through the authorization procedure, go to the "Rapida-online" tab and select the appropriate section. Next, you need to select the recipient and check the correctness of the details.
You can also make a payment without charging a commission through the Oplata.ru service. To do this, the user must have a plastic card of any banking organization. Commission when using the service for rent is not charged, however, to connect to the system, you need to pay 150 rubles. Payments are made through a personal account.

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

Internet banking

Mobile banking

Free legal advice:

Using the service "Gosuslugi"

With the help of the “Gosuslugi” service, you can not only apply to various government agencies, but also pay rent. At the same time, the service does not charge its customers a commission for making payments. However, it must be understood that it can be charged by the bank or service provider.

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

Found an error? Select it with the mouse and click:

Free legal advice:

Your finances under control

Reprinting of materials is allowed only with the indication of the original source

Modern methods of paying utility bills without commission: where and how to do it?

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

Free legal advice:

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 was simply not noticed by citizens.

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

How are utility bills calculated?

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, state or local tariffs are taken into account.

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

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

change of form of ownership - state, private, municipal;
change in the form of house management - ZhEK, HOA, housing cooperative;
grounds for the use of residential premises - rent, ownership, etc.

A reduction in payment is also possible after certain categories of citizens receive a subsidy.

The 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 according to the standards.

Free legal advice:

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

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

Payment will require a billing statement, which is often delivered to consumers 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.

Free legal advice:

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

Via Russian Post

Only clients of the Bank of Moscow or Sberbank who have entered into an agreement on the transfer of funds pay for services here without a commission.

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.

Free legal advice:

The commission from the client is charged 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 client of the bank and receives a salary or other payment on a plastic card, it is possible to 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.

Free legal advice:

Using the 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 of some banks, it is possible to 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 pay for housing and communal services in a non-cash way, transferring 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.

Free legal advice:

Sberbank Online

To do this, you need to connect the Sberbank card to the Mobile Bank service and register in the system, gaining 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).

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.

Free legal advice:

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

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

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 is accepted with 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.

Free legal advice:

Only some utility services can be paid without a commission.

Electronic money

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

The following payment systems are most common in Russia:

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.

Free legal advice:

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

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

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.

Free legal advice:

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

Do you have any questions? Find out how to solve your particular problem - call right now:

Rules for obtaining a subsidy for the payment of rent and.

Methods and rules for paying rent and other housing.

How can I find out my utility bills?

What is emergency and dilapidated housing

Rules for the demolition of dilapidated and dilapidated residential property

Aims and procedure of the program “Old.

Rules for calculating and calculating subsidies for payment.

Hot water shutdown problems

2 comments

Sberbank online takes a commission for paying utility bills from 0.5 to 1%%, except for Rostelecom and MGTS.

Free legal advice:

How to pay utility bills without commission?

Every month, many of us are faced with the need to pay utility bills.

Nowadays, there are many ways to make a payment: at the bank's cash desk, at the post office, through a terminal, sitting at home, in front of a computer or on the road using a mobile phone.

Everyone can choose a convenient way for themselves. We will tell you about paying utility bills without a commission.

Whether to pay for overhaul apartment building, you can find out from our article.

All possible ways

When choosing a payment method, it is important to know what interest is charged and how long the payment will be delivered:

Free legal advice:

Bank cashier. Payment through the cashier is the most well-known method for everyone. Many banks provide this service. Moreover, when choosing this method, the interest for the service is taken quite large. The exception is a small number of banks that offer zero commission for their customers. Another disadvantage of this method is that you can end up in a huge queue among the same payers.
Postal office. The problem of large queues is also relevant when choosing this option. Customers are charged a postage fee.
ATM. This method suitable only for those who are the owner of a plastic card. ATM interest rates are minimal. There are banks in which the percentage for their customers is zero. ATMs work around the clock, which means that payments can be made at any time of the day. The number of people in line is almost reduced to a minimum. Please note that not all ATMs of banks have such a service.
Terminal. This method is identical to the option with an ATM with a slight difference that the amount is paid into the device in cash. Terminals are located at every step: in shopping centers, large stores, at gas stations.

The downside of this method is that no change is given. The remaining amount will be credited to the next month's account.

Auto payment. The payment is made from a bank account on a specific date. You must come to the bank branch in person and apply for such a service. Also in this bank you must have an account opened from which payment will be made. We must not forget to replenish it. The service is provided free of charge and the commission is zero. The disadvantages of this method include the fact that a double write-off of the amount may occur. In addition, a fixed amount is usually debited for payment; it is constantly changing in the payment receipt itself. There may be an underpayment, and penalties will be charged accordingly.

Internet banking. Almost all big banks have such a service on their official websites. The method is very convenient for those who are friends with the computer. Without leaving your home, you can perform the operation at any time of the day. To do this, you need to have an entrance to your personal account and a card of this bank. For such an operation, interest is taken at a minimum. In this case, there is a risk of falling into the hands of scammers.

Mobile bank. It consists in making a payment by sending SMS. This operation requires connecting a bank card to this type of service. It is sent to the bank by SMS with the specified amount and the bank transfers funds from your account to the recipient.

When choosing this method, it is not possible to print a receipt.

Payment systems. With the help of payment systems "Yandex.Money", WebMoney, QIWI, "Rapida" and others, payment is also made if you have a computer connected to the Internet. Virtual wallets must contain real money. Service fees are charged at a rate of 0.8% to 2.5%.

Payment in the management company. Payment is made only in cash and without commission. You don't have to worry about shipping. You can check with an accountant to clarify the debt. The negative aspects of this method include a personal visit during the accounting hours of the Criminal Code, which is not always convenient for a working person.

Complaint templates for management company to the housing inspection you can download here.

Commission amount

What percentage of the commission is charged at Sberbank and at the post office when paying for utilities?

When choosing different methods of payment for housing and communal services, it is necessary to pay attention to the size of the commission.

Even paying in the same bank, but using different methods, shows that the percentage of the fee for the service will not be the same.

Free legal advice:

In Sberbank, you can use the following options:

cash service. Depending on the type of utility payment, the largest fee of 3% is taken, for the EPD - 2% and for Mosenergosbyt -2.5%;
self-service device: ATM when paying with a card of another bank or terminal when paying in cash. The service fee is 0.9% for payments under the UPD, for electricity - 1.5%, for other payments - 2%. The minimum amount of commission is taken in the amount of 10 rubles. When using a Sberbank card, the interest for paying utility bills for the EPD is 0.5%, for all other payments the commission is 1%;
mobile bank, Sberbank Online, Auto payment. Connecting any of these options is free. The commission fee for payment of housing and communal services under the EPD is 0.5%, for all other payments the commission is 1%. Payment is made by Sberbank card. There is an instant transfer of funds to the recipient.

When paying by Russian post, it is possible to use several methods:

Acceptance of payment by a post office employee. There is a 3% service charge. Exceptions are clients of Sberbank and the Bank of Moscow, who have a concluded agreement. No commission is taken from them. The amount is credited within three days.
Terminal. Not all post offices have these devices. The percentage for service must be specified at the post office.
Mail Online. It has an additional security system. The commission is 0%.

Who to call if the power went out without warning? Find out the answer right now.

Payment without commission

There are several ways to pay for utility services without a commission:

portal of public services;
portal PGU.MOS when paying with a VTB24 card;
Bank of Moscow for all holders of social cards;

Moreover, both at the bank’s cash desk and when making a payment through an ATM, interest is not charged. The most convenient and safest way to pay utility bills for pensioners.

Free legal advice:

payment via the Internet with special payment systems: A3, Paypal, Online settlement center.

Free internet services

Sberbank Online. This method allows you to make a payment in real time. The system is protected: at each entrance, in addition to entering the main password, an additional one is sent via SMS notification. The percentage for the provision of services is taken at a minimum.
A3 system. It is possible to pay utility bills to holders of international payment cards without commission. Visa systems, MasterCard, Maestro. It is necessary to register in the system, enter the payer code, card number, amount.
Internet portal. The State Service Portal transfers payments for housing and communal services in real time and without commission fees.

PGU.MOS also provides the opportunity to pay utility bills without commission for VTB 24 bank cardholders, for other banks the commission is 0.8%.

The payment will be made within 24 hours. After the transaction, you can print a receipt.

QIWI payment system. This system allows you to pay utility bills with a commission fee of 2%. The payment amount is credited the next day. It is possible to print the receipt.

Settlement Center Online. Payment is accepted by Visa, MasterCard. The minimum payment amount must be 250 rubles. There are no fees for utility bills. It is possible to print a receipt.

Electronic money. An example of electronic money is PayPal and Yandex money. There is no fee for utility bills. Payment is usually received the next day. For greater security when paying with an electronic money system, it is better to include additional protection. It is also better not to transfer too large amounts at the same time.

About what should be the temperature standards in the apartment during the heating season according to SanPin, read here.

How more profitable?

When choosing a payment method, you should pay attention to the following factors:

Free legal advice:

reliability of the payment system;
convenience of receiving payment;
the delivery time of the paid amount to the utility service provider;
commission fee for the rendered service;
the possibility of confirming the payment in the form of a printed receipt.

When making a decision when choosing a method of making a payment, everyone sets priorities for himself. There is no one-size-fits-all method that is perfect for everyone.

Receipt storage

Storage of information on payment of utilities in paper form is necessary to confirm the process itself.

Checks are also needed when clarifying disputes with housing and communal services that may arise as a result of confusion with shifting tariffs, a failure of the payment program, and simply because of fraud.

Paid receipts using ATMs, terminals, mobile banks must be in paper form. They may be needed in case of sale of housing.

The retention period can be attributed to the law on the limitation period for such documents. It is 3 years old.

There are several ways to pay utility bills without a commission.

But when choosing each of them, it is worth paying attention to other important factors: the security of the operation, the term for transferring funds, the ability to print a receipt.

After weighing all the pros and cons of each payment acceptance system, you can choose a payment option specifically for your case.

You can find out which method of paying for housing and communal services is the most profitable from the video:

Clause 9. Payment in the UK does not work, because the UK does not want to take payment. I pay through the bank, a separate receipt for cap. repair and separate for everything else. And it turns out that I give the bank a commission equal to cap. repair, about 500 rubles. Robbery ...

Payment of utility bills without commission in 2017

Recently, for many Russians, paying utility bills has become quite burdensome.

The growth of tariffs for utilities makes us leave more and more money at the payment acceptance points.

And if you still have to pay an additional commission - in general, at least cry!

In this article, we will look at the most available ways payment of utilities without commission and additional fees, learn how to pay for utilities via the Internet without commission, as well as other options for "duty-free" payment of utilities.

Payment of rent

Living in cozy, comfortable apartments, we use all the benefits of civilization - electricity, water, gas, etc.

Our entrances are clean and lit, the courtyards are well-groomed and blooming, the elevators work properly, and the cars are parked in specially equipped parking lots.

All this daily work to make our dwellings civilized and comfortable must be paid for.

It is the obligation to pay for utilities that is the primary concern of homeowners and tenants.

Housing Code Russian Federation strictly regulates and regulates all relations between the participants of the housing and communal services.

The obligation to pay utility bills in a timely manner and in full is set out in Article 153 of the Housing Code of the Russian Federation.

What is included?

All housing and communal services, which are monthly prescribed in our receipts, can be conditionally divided into two groups:

sewerage - a drain of household waters, and also their further purification and/or further utilization;
electricity - the supply of electric current to our apartments with the necessary voltage (at the request of the owner and the technical capabilities of the electrical network or 360 volts);
water supply - continuous access to water resources, which are preliminarily cleaned and disinfected;
gas supply - the supply of natural gas through communication systems or the provision of cylinders with liquefied gas

Hallway cleaning.
Lighting stairs, basements, porches, courtyard area.
Garbage removal.
Correct operation of the elevator and garbage chute (if any).
Landscaping and cleaning of the yard area.
Maintenance and overhaul of an apartment building.
Content common property in proper condition

Legal justification

The Housing Code of the Russian Federation states that each owner or tenant of housing is obliged to pay for mandatory utilities within the strictly allotted time.

The same legal act informs that the obligation to pay money for the rent arises from the owner of the property immediately after the registration of the right.

The rules for paying utility bills are governed by the following documents:

Where to pay utility bills without commission in 2017

Paying utility bills without a commission is not just a dream, but an opportunity provided to payers by individual financial institutions and modern systems payment.

You can pay for your monthly consumption of utilities without additional "charges" in the following ways:

You can find an institution or payment method that will not charge additional fees.

It is important to decide what is preferable for you: the speed of payment or the convenience of depositing funds.

Cash

If you want to pay utility bills in cash and do not want to overpay, you will need to be prepared to stand in line for a while.

The only way to pay for housing and communal services without charging additional commission fees is a visit to the Housing Office or a bank branch.

Through the terminal

The modern pace of life forces us all the time to look for options to reduce certain manipulations and actions. This also applies to utility bills.

The appearance of payment terminals makes life much easier for those who are used to being always at work, not knowing either sleep or rest.

These mechanical "purses" are located almost everywhere - in the underpass, in the subway, in a small store across the street from the house and in a huge supermarket.

It is necessary to learn how to use them correctly, and then it will be possible to pay utility bills almost everywhere and without any commission.

All payment terminals that come your way may be different, but they all have the same mechanism and system of work:

indications of an individual consumption meter;
date of payment;
last name, first name, patronymic, etc.

Bank card

If you are a holder of a bank card of any financial institution, whether it is debit or credit, "duty-free" utility payment options are available to you.

There are several ways to pay for utility services using a card:

Payment for utilities by credit card via the Internet without commission. This can be done if you have mobile phone(tablet, computer) the application "Mobile Bank" ("Online Bank") of the institution that issued the bank card.

The following procedure must be followed:

Payment by credit card via the Internet is convenient because it is possible to save the template.

Read more about utility bills for major repairs here.

That is, the next time you can go to "My payments", see the previous payment transaction and, if necessary, repeat it, changing, for example, the payment amount.

Post office

In large cities, the services of the Russian Post and postmen in the field of utility bills are almost never resorted to.

But on the periphery and in small settlements (villages, villages, urban-type settlements), the post office building is often the center of the settlement.

Residents of small towns receive and send parcels and telegrams, pay utility bills, receive pensions and social benefits.

For the elderly and the disabled, as well as for everyone, the Russian Post has organized the delivery of pension accruals to the recipients' homes.

In the same place, when receiving a pension, citizens can pay utility bills without leaving their homes.

If you are at the post office for the first time and do not know how to pay bills, proceed as follows:

Depending on the region, when paying for utilities by Russian Post, commissions for certain utility services may be charged.

For example, in many regions of our country, an additional 2% is taken from each receipt for water supply.

This is due to the deplorable state of water communications in the Russian hinterland.

In online mode

For many "advanced" citizens of the Russian Federation, there is no longer a question of prompt payment of utility bills.

They know perfectly well how to pay utility bills via the Internet without commission.

To do this, it is enough to online wallet and have the necessary amount of money on it.

Then at any time, no matter if you are at home or at work, you can pay utility bills from this wallet.

The most common in our country are:

The payment process is very simple and accessible to everyone. The main thing is to know your personal account number and have a certain amount of money in the account.

other methods

In addition to the above methods, there are also alternative and less popular options for paying for utility services:

Whatever payment method you choose, the main thing is knowing your personal account.

Then you can pay the rent, even without having the necessary receipts with you.

Receipt Form

Valid receipts are approved and regulated by the Rules for the provision of public services.

The appearance and individual items of receipts may vary, but there are certain details that are required for all payment documents plying in our country:

and the final amount

This form of receipt allows payers to visually see for what and how much they pay.

Sample Fill

The receipt used by various management companies and housing and communal services organizations has the same content, although it may differ in color, size and the presence of information of an advertising or social nature.

Any receipts for utility bills are filled in the same way.

There are certain fields that must be filled in:

and payer's signature

In places where payment is made with the help of cashiers, unfilled receipts for payment are not accepted.

To pay at terminals and ATMs, you will need to enter your personal account number, as well as meter readings and the date of payment.

Possible nuances

There are situations when something happens to our usual monthly receipts.

What to do in such cases:

Many payers do not know how long it is necessary to keep payment documents.

There may be unpleasant situations associated with the transfer of ownership, change legal entity etc. when needed documentary confirmation previously paid utility bills.

The realities of modern life force us all to try to be economical and frugal.

Read more about the due date for utility bills here.

What is included in utility bills in 2017, read here.

Recently, every third Russian has tried to carve out free money on something ordinary.

The easiest option to keep your honestly earned income to yourself is not to pay financial institutions fees for accepting utility payments.

Installment debt on utility bills

List of utility bill debtors

Utility bill notice

September 29, 2016

Check Also

Subsidy for utility bills

Housing and communal services must be paid in a timely manner, and this should be done not only by owners, but also by employers.

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Calculation of utility bills: what is included in it in 2019

The Housing Code of our state regulates relations in the field of utilities, including their payment. In Moscow in 2019, for the correct calculation of the cost of housing and communal services, tariff indicators are taken as a basis, which exist in two types:

State (those tariffs that are set at the state level).
Local (tariffing adopted by local authorities, in our case, the administration of Moscow).

So, the following factors must be taken into account:

availability of individual or general house metering devices (their indicators are included in the calculation of the actual amount of payment for housing and communal services);
in the absence of such metering devices, state standards for the use of housing and communal services (common for all citizens of our country) are taken for calculations.

A Russian who is a user of housing and communal services cannot independently change the already established tariffs. Payment in size remains unchanged even when it changes:

Type of ownership:

state;
municipal;
private.

Type of residential building management:

ZhEK (housing and maintenance office);
HOA (homeowners association);
housing cooperative.

Reasons for using the premises for their intended purpose:

rent;
possession, etc.

In case of dissatisfaction, the user of the provided housing and communal services, declaring their poor quality (for example, untimely water supply with significant interruptions), can contact the provider of these services directly, as a result of which the amount of money for their payment will be recalculated.

There are also cases when utility bills are officially changed on an individual basis for the user himself. It:

A decrease in the amount due to a subsidy.
An increase in payment at the initiative of the supplier (such a case can be considered the temporary removal of the meter and payment for the corresponding service in accordance with generally accepted state standards).

So, in Moscow in 2019, the practice is widespread when the consumer independently calculates the amount of utility payments. To do this, it is necessary to multiply the consumed volume (for example, water, gas or light) by the established standard tariff. At the same time, heating and maintenance of housing should be calculated based on the footage of living space, garbage disposal based on the number of people living.

Payment methods for utilities in 2019

In 2019, utility payments can be made in several generally accepted ways:

In bank branches (Russian banks currently accept payments for all types of housing and communal services):

for heating;
for the world;
for water supply;
for water disposal;
for gas;
for the removal of household waste;
for the services of the company that manages the residential building as a whole.

With the help of payment bank terminals (due to its simplicity, this method remains quite popular among elderly Russians), but such payment is always made only with a commission through a non-cash transfer of funds.
Services of the Russian Post (such a service is available without a commission not to all Russians, but only to clients of Sberbank and the Bank of Moscow, other banking institutions require small commissions for their services).
Through self-service banking machines (they will also charge a commission percentage, most often it is 1.5% of the transferred amount of money):

ATMs;
depositors;
information kiosks.

Using the Internet - online cashless payment services (the payment procedure is carried out quickly and without commission, and without interest):

Sberbank Online" (the "Mobile Bank" service is available if you register on the Sberbank website, it includes the generation and printing of a payment receipt);
AZ system (such payment without commission works only for owners of payment cards such as Visa, MasterCard, Maestro, it is enough to register in the Personal Account of this system, enter the personal account number of the utility service provider and transfer money by bank transfer);
Qiwi (QIWI) - such a payment system allows you to pay all possible utility bills without commission;
settlement center "Online" - payment is possible only after completing the registration procedure on this site in the subscriber's office, while Visa and MasterCard payment cards are accepted for work, and there is no commission for only a few services;
payment systems "Electronic money" (their principle of operation is similar to Qiwi - you register and open your virtual wallet, from which utility bills are paid without commission): WebMoney and Yandex.Money.

Experts warn: regardless of the chosen method of paying for housing and communal services, always try to print a check and keep it. This is necessary to confirm the perfect transfer of funds from the consumer to the service provider. The check must be kept for three years. Such a time period is not accidental, it is limited by the expiration of the limitation period - Civil Code, Article No. 196. If a utility service provider files a lawsuit in court for non-payment of consumed services, then the consumer can always present a check as evidence of his honesty. This situation is possible in two cases:

funds were erroneously received not on the account of the supplier, but on another account;
non-cash transfer "hung" in the banking system.

Therefore, it is best to save all utility bills for at least three years to confirm the payment made.

Is it possible to pay utility bills in Moscow without commission in 2019?

Russian standard;
Home Credit;
PromsvyazBank.

Payment for utilities can be made in different ways: via the Internet, operator, terminal, using mobile card. Each option has advantages and disadvantages. So, paying for water, heating or electricity, for example, through the post office, you will have to pay a commission of 1 to 3%. Although there are ways to do this without additional overpayments.

How to pay utility bills

When choosing a utility payment option, it is important to know the pros and cons of each of them, the payment deadline, and the interest charged. You can pay your utility bill in one of the following ways:

Commonly accepted repayment option utility debt- Through bank tellers. In this case, a large percentage (2-3%) is taken for the transfer of funds. There are a number of banks offering zero commission for transactions: Promsvyazbank, Citibank, Uniastrum Bank, Tinkoff bank, Sovcombank. The disadvantages include long queues of payers.
Holders of plastic cards can easily pay for heat energy or water supply services through round-the-clock ATMs. At a convenient time for you, you can pay with minimum percentage (0,5-2%).
You can deposit cash into your utility bill using terminals located on almost every corner. It is fast and affordable, the only negative is that the change is not issued, but goes towards the advance payment.
If you have a mobile bank connected, you can make any payment by sending SMS, including utility bills. For its implementation, it is important that the bank card is connected to this service, and there are funds on the balance sheet.
You can also make a payment at the post office by standing in line at the cashier and paying a 3% commission fee.
You can pay off the debt by contacting the management company, HOA, housing cooperative directly. In this case, the commission is zero. In the event of a dispute, you can request a reconciliation report from an accountant. Among the disadvantages is reception at certain hours, which may not be very convenient for a working person. Although now management companies already have their own official websites through which you can independently conduct financial transactions.
Significantly save time by enabling auto payment. To do this, you need to directly contact the bank branch for registration of the service. Then, on a fixed date, a certain amount of money will be debited. It is important to keep the balance positive. The disadvantage of this method is that the same amount will always be withdrawn from the account, while utility bills may be different every month.
The A3 system services can be used by holders of international plastic cards Visa, Maestro, MasterCard. To do this, you need to register on the Internet site of the A3 payment service, indicate the payer code, card number and payment amount.

Payment of utilities without commission

Both owners of privatized, municipal apartments and private houses, as well as tenants of housing, must pay for a communal apartment. Payment of housing and communal services without a commission can be carried out in several ways:

Through the public service. Internet platform PGU.MOS for holders VTB cards 24.
Bank of Moscow with a social card. Regardless of the method of making a payment (through an operator or an ATM), no commission is charged. It is a safe, fast and convenient way for pensioners.
Via the Internet, for example, using the Settlement Center.

Payment of utilities via the Internet without commission

By means of a computer or telephone, you can make a rent without additional overpayments. So, using an electronic wallet (WebMoney, Yandex.Money, PayPal or QIWI) the commission will be in the range from 0.8% to 2.5%. You can make a payment via cellular communication if a card is linked to the number. Beeline subscribers can pay off a communal apartment without commissions from their account on the phone, but only to certain providers, for example, housing and communal services in St. Petersburg or housing and communal services in Moscow. A similar service is available for MTS subscribers, but with a commission of 1.5%.

Step-by-step instruction with an example for " mobile bank» Sberbank:

Send a message: "EIRTS code" to number 900, where the code is the personal account number indicated on the receipt.
In response, you will receive an SMS with data on debts, the amount due, commissions and the transaction code.
Send confirmation code to 900.
Wait for information about the payment.
For convenience and saving time, you can activate the "Auto payment" service. In this case, you will not need to request a receipt each time. Once payment document will be generated, you will receive a notification with a proposal to pay for it.

Through Sberbank Online

You can pay the rent with a bank card via the Internet using the Sberbank Online service. The advantages of this method: minimum commission, speed, convenience, the ability to track the history of payments in your account, transfer funds in real time. To make a transaction, you need to connect the Mobile Banking service. Thanks to her, a message with a confirmation code for the operation being performed is sent to the phone. Action algorithm:

Log in to your personal account using your username and password.
open the "Payments and transfers" tab;
find an organization by name or details;
enter the necessary information: indications, drug number;
enter the amount and confirm the payment.

Electronic payment systems

Payment for utility services without a commission via the Internet can be carried out using electronic systems, for example, Payment.ru. To do this, you need to register and connect to the system by making a one-time payment - 150 rubles. All transactions are made in your personal account from any bank card. If you have a plastic card of the Rapida service, you can make a payment using the following algorithm:

Register on the official website of Rapida.ru.
Go through the authorization process.
Open the "Rapida-online" section.
Select the tab "Payment of utility bills".
Find a payee.
Enter details.
Make a payment.

The single city portal does not charge a commission, but the service provider's bank can do this. So, you can pay with a Bank of Moscow card without overpayment, and with other cards, the commission can be up to 0.8%. Among the shortcomings are not very convenient and understandable interface, and periodic malfunctions. The advantages include saving time and a convenient payment method - you do not need to enter all the details: only Unique identificator accruals (UIN). Its value is in the payment receipt in the column "Document Index" or "Code".

In order to use this method, you must first create account on the portal, as well as have a tool for making payments, for example, an electronic wallet, a bank card or a positive balance on a mobile phone. Payment for housing and communal services via the Internet without commission can be carried out according to the following algorithm:

Log in to the State Services website using a computer or mobile phone.
Open the Service Catalog tab.
Click on the "Apartment, building and land" icon.
Select the service "Payment of utility bills".
Read the information and click the "Get Service" button.
In the window that appears, find a supplier.
Enter the code or number indicated on the receipt.
Specify the payment amount.
Choose a payment method.
Make a payment.

Mobile banking

The advantage of paying through mobile banking from Sberbank in the absence of commission. To do this, the user must register in Internet banking and activate this service. Then you need to take the following steps:

Go to the section "Housing and communal services ...".
Select the desired organization.
Enter details.
Record meter readings.
Confirm payment via SMS.

Pay utility bills in Moscow

Muscovites, like residents of other cities in Russia, can pay utility bills without a commission via the Internet, mobile communications, terminals and bank cash desks, and the public services website. For the convenience of the population and the improvement of the settlement system in Moscow, a single payment document has been introduced, which is sent by mail. Using the EPD, it is easy to pay on the pgu.mos.ru website.

This is the official portal of the Mayor and the Government of Moscow. To pay off housing debt, you must specify the payer code, the type of document - debt or ordinary, the payment period. It is possible to subscribe to email to receive notifications for new EAPs. Payment of utilities without commission can be made directly on the website of the service company. So, for the consumption of electricity in Moscow, you can transfer money on the website of Mosenergosbyt. In this case, the commission for electricity will be equal to zero, and when paying for the EPD - 1.5%

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Payment of utility bills without commission

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Cash

Terminals

Online over the internet

ATMs

Post office

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Other banks

Receipt

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When to deposit funds

Where to make payments

ATM use

Electronic payment systems

Internet banking

Mobile banking

Using the service "Gosuslugi"

Modern methods of paying utility bills without commission: where and how to do it?

How are utility bills calculated?

Existing methods of payment for utility services

At bank branches

Payment terminals

Via Russian Post

Self-service machines

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

Free Internet services for paying utility bills

Sberbank Online

A3 system

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

QIWI payment system

Settlement Center Online

Electronic money

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

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

Rules for obtaining a subsidy for the payment of rent and.

Methods and rules for paying rent and other housing.

How can I find out my utility bills?