You can pay for housing and communal services in the Moscow region via the Internet without leaving your home. Residents of the region can pay for electricity, water, gas, heating online at any convenient time, without queues or paper receipts.

MosObleIRC

Source: RIAMO, Anastasia Osipova Citizens who are served by this system can pay for housing and communal services on the website of the Moscow Regional Unified Information and Payment Center (MosObleIRC). To do this, it is necessary that your management company enter into an agreement with a payment agent. Currently, MosOblEIRTS services approximately 2.4 million personal accounts for housing and communal services in the Moscow region.

You can pay for utilities both on the website and in the MosObleIRC mobile application.

Mosoblgaz portal

State Unitary Enterprise Mosoblgaz has been providing an online payment service for gas through its official website since 2012.

To pay for gas consumption, register on the website. Enter the subscriber's 12-digit personal account number. If you do not know it, then contact the subscriber service of the branch of the State Unitary Enterprise "Mosoblgaz", in whose service area the residential premises are located.

Enter your personal account number in the input field. You will have access to your personal account where you can pay for gas.

The Mosoblgaz application is also available on Google Play and AppStore.

Internet banking

Source: , press service of the Vice-Governor of the Moscow Region Dmitry Pestov Most banks provide online services to customers. Through Internet banks you can make transfers to pay for housing and communal services, electricity, telephone communications and the Internet.

Let's consider this method using the example of Sberbank:

• go to the website of Sberbank (or another servicing bank);
• find the link “Internet Bank” or Sberbank Online;
• if you are registered in Sberbank Online, enter your username and password, wait for the SMS code to log in. If you are not registered, please log in;
• after registration, the main page of your personal account will open;
• select the section “Transfers and payments” – “Payment for purchases and services” – housing and communal services and home telephone;
• then select the desired service, for example, “Rent” - Service Provider (in this example - UIRC (unified information and settlement center);
• from the drop-down list, select the EIRC (without an accrual base or the EIRC with an accrual base), then select an account or debit card, then enter the payer code;
• Confirm the payment by waiting for the SMS code.

The transaction status can be tracked in the “Sberbank Online Transaction History” section in the right side menu. As soon as the money is transferred to the EIRC, the operation status will change to “Completed”.

Mobile bank

Source: Photobank of the Moscow region, Alla Fedina To use this service, you need to activate it. Call the branch of the servicing bank and check whether you have activated the Mobile Banking service; if not, a bank employee will instruct you on how to do this. It is possible that the service will be activated online, but it is possible that you will have to visit the company’s office to do this.

Once the service has been activated for you, you can download the bank’s mobile application to your phone or make a payment via SMS. Using the mobile application, you can not only make payments for housing and communal services, but also view the history of all transactions, pay for mobile communications, Internet, etc.

To make a payment via SMS, you will need an individual payer code (it is indicated on the receipt).

For example, through a mobile bank from Sberbank and the service provider - EIRC, this can be done as follows:

• create an SMS request: EIRC 1930055692 and send it to number 900;
• We receive a response from Sberbank with information about all utility debts, the amount due, the amount of the payment commission (if any) and the transaction code. Sberbank may request information from the EIRC for a period of up to 12 months;
• in the response message we send the transaction code to the bank;
• We are waiting for notification of the successful completion of the operation.

Payment system "Yandex. Money"

Housing and communal services are those needs without which normal living is impossible. More recently, or more precisely in 2013, the Moscow region offered to pay for housing and communal services using MosOblEIRTS.

What it is?

MosObleIRTs LLC is a company engaged in the distribution of funds received for housing and communal services.
An organization was created precisely so that an automatic system would distribute money to management companies. Before the advent of the EIRC, widespread fraud was committed.
Not very honest organizations that received money for utility services often attributed a certain percentage to their account, and the remaining amount was sent directly to management companies. At the end, the management company suffered bankruptcy, and the resident, who paid for housing and communal services “not in full,” was forced to endure slander and subsequent litigation.

What are they doing?

MosObleIRC helps to identify debt; a single payment document has also been developed, with the help of which all distributions are made by the system, without human intervention. Distribution takes from 3 to 5 days.

A form of EPD has been developed - a single payment document. This payment format allows you to pay the paying agent quickly and almost always without commission.

How to determine debt?

1. You just need to call 88005550769 84953745161. During the conversation, the operator will inform the payer whether he has a debt and answer any questions of interest.
2. With the help of the Federal Bailiff Service. The organization deals not only with housing and communal services, but with all cases that may subsequently be brought to court.
3. Directly on the website of public utilities (lkk-zhkkh.rf). All information is available when logging into your personal account.
4. The MosObleIRC client center will also provide information about possible debt.

Payment of housing and communal services via personal account

There is a quick form to fill out on the MosObleIRC website. All you have to do is enter your account number and pay the debt online. You can also use another option.
To complete the procedure, you will need Internet access, as well as authorization () in any bank or electronic wallet.
In the menu where payments for various services are made, you can find a column for utilities. A form will appear in which you will need to enter your personal account number, as well as the amount to pay.

Payment of utility services without commission

Transfer of means of payment without commission is possible if payment is made using the EPD system. Separately paid gas or water is a new percentage that is taken from the payer.
Funds can be credited both at terminals and at branches.

Payment for housing and communal services through online Sber-Bank

It is possible to transfer the amount to the issued account using Sberbank online. In the payment section, you need to find the housing and communal services column, then select “Rent”, and in the proposed list select the Moscow EIRC form. Then the form is filled out and payment is made.

On the official website of MosObleIRTs LLC, you can clarify all the questions that arise regarding not only the payment of housing and communal services, but also familiarize yourself with the services, view the form of a single payment document, etc.

According to experts, introducing a commission on utility bills is a way to attract customers to use ATMs and online banking applications, because with their help they can avoid paying commissions.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Accepting payments for utility services at the cash register or at the post office requires payment of a commission, which is equal to 1 - 3% of the payment amount.

Obligation to pay rent

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

The rent includes payment:

• water supply;
• heating;
• gas;
• electricity;

Where can I pay utility bills without a fee?

Today there are many. The only question is who is more comfortable using which, and how this system works.

Cash

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

All you need to do is fill out the receipts, indicating:

• payment amount;
• payment period;
• Tenant's personal account.

Terminals

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

But there are also disadvantages:

• the commission in this case is charged from 3 to 5%;
• change is not given;
• overpaid funds go either to the next month's account or to the account or telephone number specified by the person.

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

The procedure is as follows:

1. When paying by card, you need to insert it into the terminal, and then select the “payment for housing and communal services” tab on the screen.
2. Next, you should enter the information that the device will request - the user number, as well as the payment period for which the funds are being paid.
3. The next stage is choosing the type of payment, namely with or without insurance. The amount to be paid will appear on the screen.
4. If the payment is made by card, you just need to confirm the transaction, but if in cash, then you need to deposit the amount in a special compartment designed for entering banknotes, and you will receive a receipt.

Online via the Internet

To pay online, you must log into a website that specializes in this service. It is better to use the website of the bank or government services where the tenant is served.

To pay payments you need:

• register on the site and log in using your login and password to the site;
• select the “housing and communal services payment” tab;
• on the page you need to select the city and organization to whose account you want to pay the fee;
• Next, enter the receipt number and payment amount and confirm the payment.

So that next time you don’t have to enter personal account information and search for the company again, you can select this payment as a template, and in the future you can only change the amount and payment period.

ATMs

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

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

To do this you need:

• insert the card into the ATM, enter the PIN code;
• after 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 to be deposited and the payment amount.
• After pressing the “payment” button, the machine will issue a receipt indicating the successful operation.

Post office

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

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

Sberbank

You can pay for utilities without commission only if you have a bank card using the terminal, debiting the required amount from your account.

When paying by terminal you need:

• insert the card and enter the PIN code;
• if payment will be made in cash, you need to click on “cash payment”;
• after selecting “payments”, a list of organizations will be presented to whose account you can transfer funds to pay for utilities;
• after this, you need to bring the receipt to the terminal screen so that it reads the barcode;
• if the code has been read, the terminal will produce a sound similar to the identification of goods in a supermarket when paying.
• a receipt will appear on the screen, which must be compared with the original; you must carefully check the details on the receipt;
• when paying for water or electricity services, you need to enter meter readings;
• After checking the information, the “confirm payment” button will appear.

When paying in cash, bills must be inserted one at a time into a specially designated hole. After depositing the required amount, “confirm payment” will appear on the screen.

When paying by card, funds are withdrawn automatically. After a successful transaction, a receipt will be issued, which must be kept for three years.

Other banks

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

The procedure for paying housing and communal services is as follows:

• the tenant receives monthly receipts or fills them out independently;
• 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 organization’s account.

The bank can set its own commission 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.

Thus, it is the responsibility of residents to pay all commission fees, which are set by banks at their discretion.

In Sberbank, the commission for paying for utilities reaches 3%, in UralSib and PromsvyazBank the commission is minimal and amounts to 1.7% and 1.5%. The highest commission percentage is set at VTB 24 Bank and is 4%.

Most banks offer regular customers payment for housing and communal services without commissions.

Receipt

Payment of utility bills is proof of the transaction of depositing funds into the account of an enterprise that provides water supply, gas, heating and light services.

A receipt is issued when paying utility bills:

• at the bank's cash desk;
• at the housing office cash desk;
• at the post office.

If you pay for electricity or water through bank websites or online e-wallets on the Internet, then you will be charged an additional commission for each payment. This option does not suit everyone, because every month you lose a fairly large amount. That is why the question of how to pay for housing and communal services without commission is so relevant in order to save your money as much as possible. In this article you will find instructions on how to pay utility bills via the Internet without commission.

As mentioned above, using banks and e-wallets to pay for utilities is not very convenient, since an additional percentage will be charged when paying. For example, Sberbank charges a commission that is equal to 1%. That is, if you pay rent in the amount of 5,000 rubles, then you will be charged an additional 50 rubles. However, other banks may have higher fees.

There are other ways to pay for utilities profitably:

• You can transfer funds for utilities through the State Services website, where you must first register.
• No additional commission is charged if you make payment through the official website of the company that provides you with services.

As you can see, there are not many options. If you are not bothered by the 1% commission, then it is better, of course, to make the transfer through the bank’s website. There you can activate automatic payment and, in general, not have to pay for utilities manually.

If you think that convenience comes first, then you should pay for utilities through the bank’s website. You will first need to register in your personal account. To register, you only need a bank card and your phone number, which is linked to this card. Next, you need to do the following:

To activate the “Autopayment” service, you must also go to your personal account, and then select the “My Autopayments” section. Next, you need to click on the “Connect auto payment” button. Now you need to enter all the necessary data - select the organization where the payment is made, select the frequency of payment and enter the amount. You can use this service completely free of charge. You will be charged a standard commission.

Important! For the service to work properly, you need to ensure that there is always money on the card. If there are insufficient funds in your account, you will not be able to make a payment.

The transfer can also be made through a bank ATM. In the menu, you will need to select “Payment of utilities”, and then find the company you need. The amount will be debited from the card. And you will also be given a check.

This method is a little more complicated than the previous one, since you first need to go through a rather long registration procedure. However, you need to register in advance, since if you request a confirmation code by mail, it may take about two weeks. After registration is completed, you will be able to pay fines, taxes, utilities and much more through the portal. In addition, through the State Services website you can issue internal and foreign passports.

Utility payments through this portal are made as follows:

It should be noted that not all companies are currently on the site. This is especially true for small settlements. If you live in St. Petersburg or Moscow, then you will not have any problems. If you did not find your company on the site, then you should choose another method of paying for utilities.

If you plan to pay rent through the State Services website in the future, then you should create a template. This will save you time because you won't have to re-enter all the data next time.

This portal also has its own official application for phones. You can install the application on your smartphone and make payments at any time convenient for you.

Every large company that supplies, for example, electricity, has its own website. On some of these sites you can pay for utilities. Most often, you also need to go through the registration procedure in your personal account in order to be able to carry out payment transactions.

It is impossible to give detailed and step-by-step instructions here, since all sites have a different interface and you will have to understand this issue yourself. A bank card from any bank is usually used for payment. In some cases, a transfer from a Yandex or WebMoney wallet is possible. But not everyone has this opportunity to pay for services through the company’s website. Only very large companies provide personal accounts to their clients.

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 of each month. Moreover, at this time the user pays for the services provided to him last month.

The same document also contains information about the assignment 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 no fines will be imposed on him for such actions.

This is convenient if a citizen is on vacation or is away from his 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 it is possible to pay rent without a commission.

Where to make payments

Today there are a large number of ways to make payments for housing and communal services. As before, citizens can use the services of a bank branch or one of the post offices. 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 rent costs, such additional financial burden can become a problem for citizens. Therefore, the question becomes relevant: how to pay for housing and communal services without commission? You can do this using:

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

It is worth considering that not all banks provide their clients with the opportunity to transfer funds without charging a commission. Some terminals charge additional funds for such actions. Sometimes the fee is waived only for certain payments. For example, any resident of Moscow can use the website of the Mosenergosbyt company to pay their electricity bill without additional costs, but other services will have to be paid with a commission.

Using ATMs

Where can I pay utility bills without a fee? Many large banks give their customers the opportunity to pay without commission through ATMs. In this case, the citizen just needs to use the appropriate ATM, select the item regarding payment for services, and then fill in the required fields.

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

Free legal advice:

Electronic payment systems

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

1. In order to use the Rapida service, you need to register on its official website. In addition, in order to transfer funds without 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 a recipient and check that the details are correct.
2. You can also make payments without charging a commission through the Oplata.ru service. To do this, the user must have a plastic card from any banking organization. There is no commission when using the service for rent, however, to connect to the system, you need to pay 150 rubles. Payments are made through your 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 clients to become users of Internet banking. In some banks, transferring funds to pay for housing and communal services through Internet banking is not subject to commission (for example, in Citibank). In this case, the calculation can be made without additional financial costs.

However, paying utility bills without a commission does not apply to all financial institutions, so it is recommended that you familiarize yourself with the terms of transfers before conducting the transaction. For example, in Sberbank Online you cannot pay rent without a commission. However, if in a bank branch it is 3%, then in Sberbank Online it is only 1%.

Mobile banking

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

Free legal advice:

After the user registers in the system and connects the mobile bank, you need to go to the “Housing and Public Utilities...” section, select a specific organization from the list, enter details and information from the meters. After all fields have been filled in, you must 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 "Government Services" service

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

For example, owners of plastic cards from the Bank of Moscow banking organization have the opportunity to pay rent without any additional costs, but for other banks the commission may be 0.8%. Additionally, the site is a little difficult to use. In some cases, service interruptions may occur.

Thus, paying housing and communal services without commission is possible. Today, citizens do not have to stand in line at the bank and incur additional costs. To transfer funds, you can use ATMs, electronic payment systems, Internet banking/mobile banking, and the government services website. In this case, the citizen is recommended 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 a mistake? Select it with the mouse and click:

Free legal advice:

Your finances are under control

© 2017–2018 – All rights reserved

Reproduction of materials is permitted only with indication of the original source.

Modern methods of paying for utilities without commission: where and how to do it?

The Government Decree, which came into force in 2009, legalized the collection of additional fees from utility payers.

Free legal advice:

Although 2–3% is not a particularly significant amount, many do not want to overpay. Before 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 fees calculated?

Relations in the housing and communal services 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.

• if there are metering devices (individual, communal) - the actual volume of the service;
• without a device - consumption standards determined by the state.

The fee remains the same regardless of the situation:

• change of form of ownership - state, private, municipal;
• changing the form of house management - housing office, HOA, housing cooperative;
• reasons for using residential premises - rent, ownership, etc.

It is impossible to independently change the size of the fee, either in the direction of decreasing it or increasing it. If the services are of poor quality or are provided with interruptions that exceed the norms, you can contact the service provider for recalculation.

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

The fee is increased at the initiative of the supplier in some cases, for example, the temporary absence of a meter and the need to pay according to standards.

Free legal advice:

Existing payment methods for housing and communal services

Today you can pay utility bills without difficulty. There are several simple and convenient ways to do this.

At bank branches

The branches of almost any bank accept payments for all kinds of services: heating, electricity, water supply and sewerage, services of management companies, gas, garbage removal, etc.

Payment can be made in cash at the bank's cash desk. The difference is that some banks charge a fee and some don't.

Payment will require a payment notice, which consumers often receive at home. It already indicates the amounts for each service that need to be paid.

Payment terminals

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

Free legal advice:

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

Payment is made by non-cash crediting 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 to transfer funds pay for services here without commission.

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

Self-service machines

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

Free legal advice:

The client is charged a commission of 1.5% of the amount.

For non-cash deposits directly from a personal bank card, there is no commission.

Where and how to pay for utilities without 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 bank client and receives wages or other payment on a plastic card, you can pay bills through remote banking.

To do this, you need to register in the system, create your personal account and from there make payments for utilities - by choosing the desired company, transfer funds from the card to its account.

Free legal advice:

Using a self-service terminal you can make payments with a minimum commission. For example, at Sberbank it is only 0.5% when using the terminal.

At some bank ATMs you can make “commission-free” payments for housing and communal services using a personal card.

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

Free Internet services for paying utility bills

Using the World Wide Web, you can pay for housing and communal services in a non-cash manner by transferring money from your card to the supplier’s account.

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

Free legal advice:

Sberbank Online

To do this, you need to connect your 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, indicate the recipient, payment period, amount and meter readings (if any).

If desired, you can generate and print a receipt.

System A3

Provides payment for some services without commission for Visa/MasterCard/Maestro cardholders from the phone or the card itself.

To make a payment, you need to know your personal account number, have access to your personal account and have funds on your balance.

Free legal advice:

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

Here you can pay for all housing and communal services without exception through your personal account using a bank card.

Payment system QIWI

Provides account holders to pay for any housing and communal services without commission.

To pay, registration, a password to enter your personal account and the presence of money in the account are required.

Settlement center Online

Payment is accepted from Visa and Master Card.

Registration on the site is required. In the “Subscriber Account” you can see the account status and previous payments.

Free legal advice:

Only some housing and communal services can be paid without commission.

Electronic money

With the development of e-commerce, the method of paying for utilities online through electronic money systems is also becoming increasingly popular.

The following payment systems are most common in Russia:

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

If the consumer pays at a bank teller, ATM or terminal, they will receive a check upon completion.

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

Free legal advice:

This can happen if the money “went” to the wrong current account, to another supplier, or simply got stuck in the bank’s system.

However, even after three years, the court has the right to accept a claim to protect 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 of non-receipt of payment to the supplier company.

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

The story tells what alternatives there are 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.

Still have questions? Find out how to solve exactly your problem - call right now:

Rules for receiving subsidies for paying rent, etc.

Methods and rules for paying rent and other housing costs.

How can you find out your utility debts?

What is emergency and dilapidated housing?

Rules for the demolition of emergency and dilapidated residential real estate

The goals and procedure of the program “Dilapidated.

Rules for calculating and calculating payment subsidies.

Problems turning off hot water supply

2 comments

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

Sberbank online charges a commission for paying for housing and communal services 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 a bank cash desk, at the post office, through a terminal, sitting at home, in front of a computer or on the road from a mobile phone.

Everyone can choose a method convenient for themselves. We will tell you about paying for housing and communal services without commission.

You can find out whether you need to pay for major repairs of an apartment building from our article.

All possible ways

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

Free legal advice:

1. Bank cash desk. Payment through the cash register is the most well-known method. Many banks provide this service. Moreover, when choosing this method, the interest for servicing is quite large. The exception is a small number of banks that offer zero commission to their clients. Another disadvantage of this method is that you can end up in a huge queue among the same payers.
2. Post office. The problem of large queues is also relevant when choosing this option. At the post office, clients are charged a commission fee.
3. ATM. This method is only suitable for those who own a plastic card. Interest rates at ATMs are minimal. There are banks where the interest rate for their clients is zero. ATMs operate around the clock, which means 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 ATMs of not all banks offer this service.
4. Terminal. This method is identical to the ATM option with the slight difference that the amount is deposited into the device in cash. Terminals are located at every step: in shopping centers, large stores, and gas stations.

The negative side of this method is that change is not given. The remaining amount will be credited to the next month's bill.

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 this service. You must also have an account opened with this bank from which payments 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 double debiting of the amount may occur. In addition, a fixed amount is usually written off for payment; it is constantly changing in the payment receipt itself. An underpayment may occur and penalties will accrue accordingly.

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

Mobile bank. It involves making a payment by sending SMS. This operation requires connecting a bank card to this type of service. An SMS with the specified amount is sent to the bank 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. Using 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. Interest for servicing is charged in the amount of 0.8% to 2.5%.

Payment to the management company. Payment is made only in cash and without commission. No need to worry about payment delivery. You can make a reconciliation with an accountant and clarify the debt. The negative aspects of this method include a personal visit to the accounting department of the management company during office hours, which is not always convenient for a working person.

You can download samples of complaints against the management company to the housing inspection here.

Commission amount

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

When choosing different payment methods for housing and communal services, you need to pay attention to the size of the commission.

Even payment 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:

At Sberbank you can use the following options:

• cash service. Depending on the type of utility payment, the largest fee is 3%, for 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 EPD, for electricity payments - 1.5%, for other payments 2%. The minimum commission amount is 10 rubles. When using a Sberbank card, the interest for paying housing and communal services under the EPD is 0.5%, for all other payments the commission is 1%;
• mobile banking, Sberbank Online, Autopayment. Connecting any of these options is free. The commission fee for paying for housing and communal services under the EPD is 0.5%, for all other payments the commission is 1%. Payment is made by Sberbank card. The funds are instantly credited to the recipient.

When paying at Russian Post, you can use several methods:

1. Acceptance of payment by a post office employee. A 3% service fee applies. Exceptions are clients of Sberbank and Bank of Moscow who have a concluded agreement. They do not charge a commission. The amount is credited within three days.
2. Terminal. Not all post offices have these devices. The service fee must be clarified at the post office.
3. Mail Online. Has an additional protection system. The commission is 0%.

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

Payment without commission

There are several ways to pay for housing and communal services without commission:

• State Services portal;
• PGU.MOS portal when paying with a VTB24 card;
• Bank of Moscow for all social card holders;

Moreover, both at the bank’s cash desk and when making a payment through an ATM, no interest is charged. The most convenient and safest way to pay for housing and communal services for pensioners.

Free legal advice:

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

Free Internet services

1. Sberbank Online. This method allows you to make a payment in real time. The system is protected: each time you log in, in addition to entering the main password, an additional one is sent via SMS notification. A minimum percentage for the provision of services is taken.
2. System A3. Without commission it is possible to pay utility bills to cardholders of international payment systems Visa, MasterCard, Maestro. You need to register in the system, enter the payer code, card number, and amount.
3. Internet portal. The State Services 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 completed within 24 hours. After the transaction, you can print a receipt.

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

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

Electronic money. An example of electronic money is the PayPal system and Yandex-money. When paying for housing and communal services, no commission is charged. Payment is usually received the next day. For greater security when paying with an electronic money system, it is better to enable additional protection. It is also better not to transfer too large amounts at the same time.

Read about what the temperature standards in an apartment should be during the heating season according to SanPin.

Which is more profitable?

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

Free legal advice:

• reliability of the payment acceptance system;
• ease of payment acceptance;
• delivery time of the paid amount to the utility service provider;
• commission fee for the service provided;
• the ability to confirm payment in the form of a printed receipt.

When making a decision when choosing a payment method, everyone sets priorities for themselves. There is no universal method that is ideal for everyone.

Storing a receipt

Storing utility payment information in paper form is necessary to confirm the process itself.

Checks are also needed when clarifying controversial situations with housing and communal services, which may arise as a result of confusion with changing tariffs, failure of the payment program, or simply due to fraud.

Receipts paid using ATMs, terminals, and mobile banks must be in paper form. They may be needed if you sell your home.

The retention period can be attributed to the law on the statute of limitations for such documents. It is 3 years.

There are several ways to pay for housing and communal services without commission.

But when choosing each of them, you should pay attention to other important factors: the safety of the transaction, the deadline for transferring funds, the ability to print a receipt.

After weighing 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:

Point 9. Payment to the management company does not work, since the management company does not want to take payment. I pay through the bank, a separate receipt for the cap. repairs and separate for everything else. And it turns out that I give the bank a commission equal to cap. repairs, about 500 rubles. Robbery...

Payment of utility bills without commission in 2017

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

The rise in utility tariffs forces us to leave more and more money at payment acceptance points.

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

In this article, we will look at the most accessible ways to pay for housing and communal services without commissions and additional fees, learn how to pay for utilities via the Internet without commission, as well as other options for “duty-free” payment for utilities.

Payment of rent

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

Our entrances are clean and illuminated, 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 homes civilized and comfortable must be paid.

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

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

The obligation to pay for utilities on time 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 prescribed monthly in our receipts, can be divided into two groups:

• water disposal - drainage of domestic water, as well as its further purification and/or further disposal;
• electricity - supplying our apartments with electric current with the required 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 that are pre-treated and disinfected;
• gas supply - supply of natural gas through communication systems or provision of liquefied gas cylinders

1. Cleaning entrances.
2. Lighting of stairs, basements, entrances, courtyard areas.
3. Garbage removal.
4. Proper operation of the elevator and garbage chute (if available).
5. Landscaping and cleaning of the courtyard area.
6. Current and major repairs of an apartment building.
7. Maintaining common property in proper condition

Legal justification

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

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

Rules for payment of utility services are regulated by the following documents:

Where to pay utility bills without commission in 2017

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

You can pay for your monthly utility consumption without additional fees 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: speed of payment or convenience of depositing funds.

In 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 some time.

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

Via terminal

The modern rhythm of life forces us to constantly look for options to reduce certain manipulations and actions. This also applies to housing and communal services payments.

The appearance of payment terminals makes life much easier for those who are used to always being at work, without sleep or rest.

These mechanical “wallets” are located almost everywhere - in an underground passage, in the subway, in a small store across the street from home and in a huge supermarket.

You need to learn how to use them correctly, and then you can pay for utilities almost everywhere and without any commission.

All payment terminals you come across may be different, but they all have the same mechanism and operating system:

• readings from an individual consumption meter;
• date of payment;
• last name, first name, patronymic, etc.

By bank card

If you are a holder of a bank card from any financial institution, no matter whether it is debit or credit, you have access to “duty-free” options for paying utility bills.

There are several options to pay for housing and communal services using a card:

Payment of housing and communal services by bank card via the Internet without commission. This can be done if you have the “Mobile Banking” (“Online Banking”) application installed on your mobile phone (tablet, computer) of the institution that issued the bank card for you.

The following procedure must be followed:

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

Read about utility bills for major repairs here.

That is, 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 are practically no longer used to pay for utility services.

But on the periphery and in small settlements (villages, towns, urban 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 disabled, as well as for everyone, Russian Post has organized delivery of pension accruals to the recipients' homes.

There, when receiving a pension, citizens can pay utility bills without leaving home.

If this is your first time in the post office building and you don’t know how to pay bills, proceed as follows:

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

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 outback.

In online mode

For many “advanced” citizens of the Russian Federation, the question of quickly paying for utilities is no longer an issue.

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

To do this, it is enough to create an electronic wallet and have the required amount of money on it.

Then, at any time, no matter if you are at home or at work, you can pay for utilities 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 your account.

other methods

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

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

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

Receipt form

Current receipts are approved and regulated by the Rules for the provision of utility services.

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

and total amount

This form of receipt allows payers to clearly see what and how much they are paying for.

Sample filling

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 advertising or social information.

Any receipts for payment of utility services are filled out in the same way.

There are certain fields that must be filled out:

and payer's signature

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

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 save payment documents.

Unpleasant situations may arise related to the transfer of ownership rights, change of legal entity, etc., when documentary evidence of previously made payment for utility services may be required.

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

Read about the deadline for collecting utility bills here.

Read what is included in utility bills in 2017 here.

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

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

Installment payment for utility bills

List of debtors for utility payments

Notification of debt on utility bills

September 29, 2016

Check Also

Subsidy for utility bills

Housing and communal services must be paid on time, and this should be done not only by owners, but also by tenants.

Add a comment Cancel reply

Categories

Get free legal advice right now:

Moscow and region

St. Petersburg and region