In 2009, the government of our state adopted a Decree on the collection of commission interest on payment for housing and communal services. Previously, such a commission was included in the total amount of the utility bill. Where and how can I pay for these services in Moscow in 2019? This will be discussed in this article.

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:

1. State (those tariffs that are set on state level).
2. 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:

1. Type of ownership:

• state;
• municipal;
• private.

1. Type of residential building management:

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

1. 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. This:

1. A decrease in the amount due to a subsidy.
2. An increase in payment at the initiative of the supplier (such a case can be considered a 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:

1. At 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.

1. 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.
2. 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).
3. 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.

1. 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 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.

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

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:

• Russian standard;
• Home Credit;
• PromsvyazBank.

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 cash desk, at the post office, through the terminal, sitting at home, in front of the computer or on the road with mobile phone.

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

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If you want to know how to solve exactly your problem - contact the online consultant form on the right or call free consultation:

Whether to pay for overhaul apartment building, you can learn from our .

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:

Commission amount

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

When choosing different methods, you need to pay attention to the size of the commission.

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

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. There is an instant transfer of funds to the recipient.

When paying by mail Russia can use several ways:

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

Payment without commission

It is possible to pay utility bills without commission in several ways:

• 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.

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

Free internet services

How more profitable?

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

• reliability payment acceptance systems;
• convenience accepting payment;
• term delivery of the paid amount to the supplier;
• commission fee for the service rendered;
• the possibility of confirming the payment in the form of a printed receipts.

When making a decision when choosing a method of making a payment, everyone sets priorities for himself. universal way There is no perfect fit for everyone.

Receipt storage

Storage of information about in paper form is necessary to confirm the process itself.

Checks are also needed when finding out, which may arise as a result of confusion with changing 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. He makes up 3 years.

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 specifically for your case choose payment option.

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

How to pay utility bills without commission?

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

To do this, you only need a bank card, a mobile phone and access to the Internet - resources that every person has.

Where can I pay utility bills without utility bills?

How to pay utility bills without commission? There are the following ways to pay utility bills without commission:

Banks without commission

According to the results of research in 2016, in which 100 largest Russian banks were involved, Citibank, Tinkoff Bank, Credit Europe Bank and Uniastrum Bank provide free payment for housing and communal services to their customers.

Promsvyazbank can be added to this list, which has holders salary cards can pay utility bills up to 10,000 rubles at no additional cost.

How to pay for housing and communal services without commission in Sberbank

How to pay utility bills without commission? Let's take a closer look at the question of exactly what ways 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 an activated Mobile Bank service and Internet access:

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

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

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

Sberbank Online mobile application

This application is a mobile version of Sberbank Online Internet banking 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 utility bills, 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. Select the section "Payments and transfers".
4. Among the list of payments, select "Utilities".
5. Fill in the opened form with the necessary data.
6. Click the "Pay" button.
7. We confirm payment.
8. The payment status can be viewed in the "Payment History".

Paying utility bills by phone

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

"Mobile payment" from Beeline

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

To do this, on the official website you need to create your own Personal Area by registration.

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

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

For more information about this service, you will learn in the following video:

"Easy payment" from MTS

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

The commission is not charged.

If you use mobile phone account funds to make a payment, the procedure is as follows:

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

For information on how to use the Easy Payment service from MTS, see this video:

If you use a bank card for payment, do the following:

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

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 USSD codes through the payment portal:

• we dial the command * 115 # on the phone keyboard;
• select the category "3 Rent";
• 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 number 6996, as indicated earlier;
• We are waiting for an SMS message with the results of the payment.

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

Owners of Sberbank bank cards can make regular payments using Sberbank services to speed up the process and make it more convenient. There are several ways to pay rent through Sberbank, most of which are remote.

About connecting to the Internet Bank

Most of Sberbank's clients appreciated the possibilities and advantages of the Internet Bank, which allows them to carry out banking operations remotely without resorting to employees for help (on their own).

Connection to Sberbank Online is carried out by requesting an identifier from employees (in person or by phone) and registering on the service. You can also register yourself by clicking on the appropriate button on the site. To do this, you will need to indicate your Sberbank card number and phone number.

You can also request IDs through an ATM. You can do this through the Get password section. They will be printed on the receipt.

Generated logins are not easy to remember, but they can be changed at any time directly on the service.

To use Sberbank Online, you must have a connected Mobile Bank. Codes are sent via SMS to confirm all operations, including creating templates, changing settings, etc. Also, the user receives a notification every time he visits Sberbank Online.

How to pay for an apartment in Sberbank Online

Sberbank Online allows you to make various transfers and payments. You can pay through Sberbank in the following areas:

It will not be possible to pay if the supplier has not concluded an agreement with Sberbank. You can find out directly from the service provider or through a search in the appropriate section in Sberbank. Many regional HOAs and other organizations prefer to accept payments at their offices or on their websites, and therefore do not sign an agreement with Sberbank.

If the required company is not in the list, you can still pay, but only according to its full details, as a transfer to a legal entity.

If the company is on the list of Sberbank, it will be possible to pay according to a simplified scheme by filling in the minimum number of parameters in the payment order.

Step-by-step instruction

Step-by-step instructions for paying rent through Sberbank Online contain several steps.

Step 1. First you need to go to Payments and Transfers, go down below the offers for transfers in Payment for goods and services. Here are the sections: Communication, Internet, housing and communal services, Taxes. You can pay the rent through the housing and communal services point, in the list of which you should also find the Rent.

Step 2. The next step in the walkthrough involves assigning a recipient. The recipient can be found by searching by name or TIN before moving to the subsection Rent. All organizations corresponding to the given area are located directly in it. You can find what you need on your own or through the search bar. If there is any doubt in the name, it is better to drive in the TIN of the recipient, which can be viewed on the payment receipt.

Step 3 The third step is filling in details. The user needs to write:

• Service type: rent.
• Select the card with which to pay. A list of all cards available to the client is provided with an indication of the balance.
• Payer code: EIRC personal account.
• Payment period: month and year.
• Sum.

Step 4 Further the user is shown all the entered information in a single payment. The recipient's details are recorded in it automatically, because they are available in the Sberbank database. The data of the branch of Sberbank through which the payment is made are also indicated. On the same page, you will need to enter readings on metering devices:

Step 5 The last step of the step-by-step instruction is the standard confirmation via SMS.

The payment is assigned the status Accepted for execution. When the money is transferred, it will change to Fulfilled. At the same time, the user can open the payment document at any time (it is located in the Transaction History) and print it. It contains an electronic seal of Sberbank confirming the completion of the transaction.

Auto payment on rent

Sberbank offers to pay rent and other regular payments using the Autopayment option. Its function assumes the following order of interaction:

1. On the eve of the date specified by the client, Sberbank checks for rent arrears.
2. An SMS is sent indicating the amount and debit card. It also contains a code to cancel the operation if there is no need to carry it out.
3. If the client does not cancel, the next day the payment is sent to its destination, about which another notification is received.

You can create an Autopayment in Sberbank Online through the appropriate section. Filling out the auto payment occurs in the same order as described above.

How to pay if not listed

If the service provider is not on the Sberbank list, the step-by-step instructions are slightly different. In particular, after entering Payments, you need to click on Payment by bank details or receipt.

Find the image of the receipt at the bottom of the "Payments and transfers" page. Click on it.

All information required for filling is contained in the issued receipt. Also, the main parameters can be found in the contract.

Step-by-step instructions include filling in the following columns:

• Recipient data: TIN, BIC, Account;
• Card for withdrawing money;
• Amount, personal account EIRC, purpose.

After you need to confirm the sending of money.

Other ways to pay for utility services

Sberbank offers to use other options for depositing money for rent.

From mobile application

The most convenient of them is. It will need to be downloaded and installed. To pay the rent through a mobile application, you need to follow the step-by-step instructions similar to the one described above.

Consider the fact that the mobile scanner in the Application does not read barcodes and QR codes well from a computer monitor. It is better if it is a paper version of the payment document.

At the terminal by barcode

Payment through a Sberbank terminal or ATM is no less in demand among customers. In the first case, they offer to pay in cash, in the second - with a card. Step-by-step instructions for depositing through an ATM and a terminal are very similar. In the first case, after writing the PIN code, you need:

1. Go to Payments - Utilities.
2. Click on Manual Entry.
3. Find a recipient.
4. Write down the payer code, period and amount;
5. Read all parameters, click Next;
6. Get a check.

The ATM also offers to pay by barcode. This method will help to reduce the time, since when reading the barcode, all information from the receipt will automatically go to the payment order. To pay by barcode, it is enough to select Read barcode at the second step of the above step-by-step instruction.

At the branch with a receipt

In addition to all remote methods, you can pay the rent traditionally - at the department. It is allowed to make a transaction in any branch. If you need to send money from a Sberbank card, you must have a passport with you to confirm your identity. If you pay in cash, no ID is required.

Commissions and limits of Sberbank

You can't pay rent without a fee. Sberbank provides the following tariffs:

• Through remote services: 1% (no more than 500 rubles);
• Through the cashier in the branch: 2% (no more than 1500 rubles).

Utilities and some payments under the Unified Payment Documents in Moscow involve commissions lower by 0.5%.

There are no limits on payment transactions. In some cases, a restriction may be set for payment via the Internet. Usually, it is 100 thousand rubles, which is quite enough to pay the rent.

You can view your personal limits in Sberbank Online. You can increase the limit with the help of an employee through the Contact Center.

Conclusion

You can pay rent through Sberbank using Sberbank Online, mobile application, terminal or ATM. Having studied step by step instructions for each option, it is easy to pay the rent on your own, without contacting the department. In addition, this will save on commission, which is two times lower than in person.