Allows you to pay bills and top up your phone balance. Thanks to this option, all operations are performed automatically. The main condition for making such payments is the presence of a Sberbank card and the activated Mobile Bank service.

You can control all bill payment transactions. Before funds are debited, an SMS will be sent to your phone with a notification from the bank about the upcoming payment. Confirm it or refuse it depending on the need to make payment. You can connect Sberbank auto payment absolutely free. Let's look at a few basic methods.

Automatic payment for mobile communications

This type of payment allows you to always stay in touch. When the balance on your phone reaches the set minimum, payment will be debited from your Sberbank card and the funds will be instantly transferred to your mobile operator.

How to enable the option

• by number 900 via SMS;
• via Internet Banking ""
• at an ATM or;
• at Sberbank branches at a time convenient for you.

Connection via SMS in Mobile Banking

1. Send a message with the text AUTO PAYMENT 300 (where 300 is any amount of payment you need) to number 900;
2. The service will be activated automatically: funds will be debited from your account when the balance on your phone reaches 30 rubles.

Please note: when connecting to payment for cellular communication services, the maximum replenishment amount is 1000 rubles.

Internet bank

1. Log in to Sberbank Online, go to the “My Auto Payments” section;
2. In the “Mobile Communications” section, select yours from the presented cellular operators;
3. Enter the phone number to which you want to connect auto-replenishment, then select a bank card to debit funds;
4. Fill out the form that opens: indicate the minimum balance and replenishment amount;
5. An SMS with a one-time password will be sent to your phone, which is required to connect to the option;
6. Wait for an SMS from your mobile operator indicating that automatic payment has been successfully activated.

Using these instructions, you can activate the service in the Sberbank Online mobile application. The option is available to subscribers of Megafon, Beeline, Motiv, Tele2, MTS and other mobile operators.

Using a Sberbank terminal

1. Insert the card into the ATM or terminal slot, enter the PIN code;
2. In the menu, select “Personal account, information and service”;
3. In this section you will see the “Auto Payments” page;
4. Click the “Connect Auto Payments” button. At this point you can also disable the service.
5. The on-screen instructions will help you create an automatic payment and configure its settings;
6. At the end of the operation, confirm the correctness of the specified data and receive a receipt confirming successful connection;
7. You will receive an SMS from your mobile operator informing you that the service has started.

Sberbank auto payment for housing and communal services

By automatically paying your utility bills, you can make payments on time and save on fees. When connecting to the service, you independently choose the date and amount of payment. The bank will notify you that it is ready to make payment before debiting the funds.

There are two types of automatic payment for utilities:

• Payment against an invoice, the amount of which changes every month. For example, this is payment for a landline phone.
• Fixed monthly payment for a certain amount.

After paying your bills, you can print a check using Sberbank Online, or receive it at a bank branch.

How to connect Sberbank auto payment for housing and communal services?

• via an ATM or terminal;
• in a branch of the organization.

Connection using Internet banking

1. In the “My Auto Payments” section, go to the “Connect Auto Payment” page;
2. Select the required type of utility service and its supplier;
3. Indicate the Sberbank card from which payment will be made. Fill out the form, enter the organization’s details, select the payment date and its maximum amount;
4. An SMS will be sent to your phone with a one-time password required to confirm the operation;
5. The bank will notify you that the option has been successfully activated.

Using this method, you can create an automatic payment in the Sberbank Online mobile application.

Via an ATM or Sberbank terminal

1. Insert the card into the self-service device, enter the PIN code;
2. In the “Payments and Transfers” section, go to the “My Payments” page, and then to the “Auto Payments” item;
3. Select the “Housing and communal services and home telephone” service. In this section, you can connect auto-payment for mobile communications, Internet and TV, taxes, duties, traffic police fines, loan repayments, payment for goods and services;
4. Fill out the form, confirm that the entered data is correct: the terminal will give you a receipt with information about connecting to the service;
5. The final notification from the bank will come via SMS to your phone number.

Automatic payment for Internet and TV

This service will allow you not to be left without a network due to late payment. On the selected date, your card will be debited for telecommunications services. The option also allows you to save on commissions and control your accounts. On the day of payment, an SMS from the bank will be sent to your number with a message about the upcoming payment.

Methods for connecting to the service:

• through Internet banking “Sberbank Online”;
• through the Sberbank Online mobile application;
• in a branch of the organization.

Connection via Sberbank Online

1. In the menu, open the “My Payments” section, then go to the “Create Auto Payment” page;
2. Click the “Internet and TV” button, indicate your service provider;
3. Select the Sberbank card from which payment will be made. Fill out the form indicating the frequency of payment and its amount.
4. An SMS with a one-time password will be sent to your phone, which must be entered to confirm the operation;
5. The bank will notify you about the successful activation of the option via SMS.

Connecting using a terminal

1. Insert the card into an ATM or Sberbank terminal, enter the PIN code;
2. In the “Payments and Transfers” section, go to the “My Payments” page and click the “Automatic Payments” button;
3. Select the “Internet and TV” service;
4. Check the correctness of the entered data and confirm the creation of the service. The ATM will give you a receipt notifying you that the option has been activated.
5. The bank will notify you when automatic payments begin.

Automatic repayment of loans from other banks

Sberbank provides the opportunity to automatically repay monthly payments on loans from other organizations. Thanks to this option, you will be able to fulfill your loan obligations on time without accruing fines and penalties. Automatic payment will help you keep your credit history clear. When repaying loans from other organizations, Sberbank charges a commission of 1% of the payment amount.

Methods for connecting to the service:

The automatic payment of fines service, which is relevant for motorists, will allow you to make payments on time and not accrue late fees. New violations are searched for once a week. If there are fines, funds will be debited from your Sberbank card for repayment.

The service provides the opportunity to connect several cars to automatic payment. With this option, you can pay off fines for unpaid parking, violation of traffic rules, rules of stopping and parking of vehicles.

Methods for connecting automatic payment of fines from Sberbank

• in the Internet bank “Sberbank Online”;
• in the Sberbank Online mobile application;
• through terminals and ATMs;
• in Sberbank branches.

Connecting the service in the mobile application

1. Go to the page “Traffic police fines in (your region)”;
2. Fill out the form, indicating your driver's license number, STS and select a Sberbank card for automatic payment of fines. Click the "Continue" button;
3. Specify the maximum debit limit, confirm the creation of the service; 5. Sberbank will notify you about the successful activation of the option via SMS notification.

How to disable auto payment from a Sberbank card

Despite all the convenience of the option, many clients may need to refuse the service. The reasons for this may be different:

• the details of the provider have changed or the client has changed the organization providing services;
• the client's phone number has changed; - the loan has been repaid in full;
• the Sberbank card is no longer a priority for the client, or its validity period has expired; - the cardholder did not like the service.

The disabling method does not depend on how the client joined the option. You can cancel automatic payments at any time:

• disable auto payment from Sberbank via SMS;
• by calling the Sberbank hotline;
• in the Internet bank “Sberbank Online”;
• in the mobile application;
• using a terminal or ATM;
• at any bank branch.

Disabling via SMS:

1. Send an SMS to number 900 with the text “AUTOPAYMENT-”. You can also send a message AUTO-, AVTOTEL-, AVTO- or AUTO-. The "-" character is required to disable the option.
2. If you need to disable the service on a specific number, send the message AUTOPAYMENT-, then indicate the phone number without the eight and the last three digits of your bank card. Your message should look like this: AUTOPAYMENT - 9ХХ ХХХХХХХ 1234.

Disable Sberbank auto payment by phone

1. To receive applications from clients, a 24-hour toll-free number is available: 8-800-555 55 50. By calling the hotline, inform the operator that you want to cancel the service.
2. The technical support employee will ask you to introduce yourself, provide your passport details and Sberbank card number.
3. If necessary, the operator can request the details of the organization in favor of which the payments were made.
4. The service will be disabled on the day you contact the contact center.

Disable Sberbank auto payment via the Internet

1. Log in to the mobile application or Internet banking. Go to the “My payments” section and click the “Manage auto payments” button;
2. Select the service you want to cancel. Click the "Disable" button;
3. Confirm your choice by entering a one-time SMS password from the bank.

Disabling the option in the self-service terminal:

1. Insert the card and enter the PIN code.
2. In the menu, select the “Information and Service” section, go to the automatic payments page;
3. Please indicate the type of service you want to cancel. Click the “Disable auto payments” button;
4. Follow the instructions on the ATM screen to complete the transaction.

Personal visit to the bank

This method is the most accessible. Visit the nearest Sberbank branch and ask the employees to help you disable the service. You must have your passport with you. You can also contact the operator in the hall. Typically, Sberbank offices have terminals for payment and connection of services. The consultant will help you disable Sberbank auto payment through the terminal. The automatic payment service from Sberbank will allow you to save your time when paying utility bills and mobile communications, paying off fines or loans. To quickly connect to the option or refuse it, you will need a phone or personal computer, as well as a few minutes of free time.

To make it convenient for clients to carry out financial transactions without leaving home, Otkritie mobile bank is offered in the form of the Link application. This convenient and multifunctional program can be installed for any mobile operating system. Find out more about all the possibilities and get the opportunity to download a mobile application Opening via direct links in official stores.

Application interface

The first thing that catches your eye is the simplest and most convenient interface, which is understandable to the user on an intuitive level. The menu clearly displays the main functions. The user can find and open the desired section with one touch. Large icons and inscriptions, pleasant discreet colors - all this is the Otkritie Bank application for mobile phones.

Look how many advantages there are to start using the Otkritie Bank app!

Recently the interface was slightly updated by the developers. It has become more stylish thanks to color gradation. The programmers also eliminated some shortcomings previously noticed by users. The mobile banking application is released by the official representatives, so it can be downloaded for free.

Main functions

The mobile version of the bank is a simplified version of Internet banking in a browser. Almost all the main functionality will be available to the client in full in the Link application.

Create deposits, make payments or get answers to questions in the bank's support chat.

1. Get complete information about personal bank cards, loans, deposits, financial transactions;
2. Pay for utilities, Internet, satellite and cable TV;
3. Order a new plastic card with delivery to any convenient place;
4. Transfer money from one card to another within the banking system;
5. Exchange currency;
6. View information about the location of the nearest ATMs and branches of a financial institution;
7. Contact technical support staff by phone or via chat;
8. Block the card;
9. Open and manage deposits directly from the application;
10. Instantly top up your card from your phone account.

Attention! If the client wants to expand the functionality, for example, to be able to open deposits or transfer money to accounts of other banks, it is recommended to install mobile bank Link.

System requirements

The Otkritie Bank Link application can be downloaded only to gadgets that meet certain requirements:

1. Operating system version for iOS – no lower than 9.0, for Android – no lower than 4.0;
2. Free memory – at least 142 MB;
3. Compatible with iPhone, iPad and iPod touch, as well as devices running Android OS;
4. Available languages: English and Russian;
5. The official developer is Bank Otkritie Financial Corporation (PJSC) - link.

Attention! There is no program for Windows Phone. It is in development and will be available to users soon. Therefore, there is no need to look for it on third-party resources.

Download and install mobile banking

Click on the buttons corresponding to the operating system of your smartphone to download the Opening application for Android or iPhone.

Connecting a mobile bank: instructions

To connect the bank, just enter the card number and receive a confirmation code in an SMS message.

To enter the Link application, you need to have an Otkrytie plastic card. Find out how to connect the Otkritie mobile bank via card number and SMS code in the instructions below.

1. download the application;
2. enter the plastic card number (16 digits);
3. receive an SMS code and enter it in a special window;
4. create a password to log into Link;
5. log in to your mobile bank using your login details;
6. enjoy.

Shutdown

To disable mobile banking for Android or iOS on your phone, you need to completely remove it and erase the data contained in the corresponding folders. Just in case, call the Otkritie Bank hotline at 8 800 700-78-77.

Conclusion

The main feature of “Link” is support for the Touch ID function when logging into your personal account. Thanks to this function, you do not need to manually enter the plastic card number: just scan it using the camera of your gadget.

The bank's application is worth downloading and installing, since it can be used to manage personal funds from different places without going to a branch of Otkrytie Bank. This is very convenient when the client is outside the city or lives in an area where there are no offices.

Connecting to the “autopayment” service removes many worries regarding timely payment of bills. Are there any disadvantages to this service, what risks arise with automatic debiting, as well as what exactly can be paid for and how to disable the service - read our review.

“Autopayment” is a service for automatically debiting funds from a bank client’s account in favor of mobile operators, utility providers, banks (to repay a loan) or regular transfers to family and friends. Today, many banks provide this service: Sberbank, Bank of Moscow, Alfa-Bank, Uralsib, Tinkoff and others. You can automatically pay even traffic police fines, and not just mobile phones and utilities.

How AutoPay works

Perhaps the most popular application of this service is automatic replenishment of a mobile phone when a “threshold” is reached. For example, by enabling “autopayment” in the amount of 100 rubles and specifying the amount of 30 rubles as the threshold on your mobile account, your phone will be automatically topped up by 100 rubles every time the amount on your mobile account is equal to or below 30 rubles. This way, your phone will always have a positive balance, and you won’t go into the red. The situation is similar with paying for home Internet - after all, it is sometimes very important to always stay in touch, and going into the red does not always quickly allow you to restore access to the network after payment. In these cases, writes off a fixed amount under certain conditions.

But there are payments, the amount of which differs from month to month or they arise only occasionally, such as fines.

Automatic payment of utility bills is only possible if the service provider has an agreement with the bank. In this case, the service checks monthly for new or previously unpaid invoices and notifies the client about this. If the client does not refuse payment and the amount does not exceed the limit, the fee is debited automatically. In some cases, the verification option is not provided and only fixed payments can be made automatic, for example, in the case of Mosenergosbyt.

Not all banks offer the service of paying traffic fines yet, but Sberbank and Tinkoff Bank already have such a service. To pay fines automatically, you must enter the details of your driver's license and vehicle registration certificate. When new fines appear, the bank will notify you via SMS, and you will need to enter a confirmation code to pay. If you do not agree with the fine, refuse to pay and contact the traffic police.

There are several options for connecting “autopayment”:

• Through a bank branch, in person (at any bank).
• Through an ATM or self-service device using a plastic card (Sberbank, Uralsib, Bank of Moscow).
• Via online banking or mobile banking (Sberbank, Alfa-Bank, Tinkoff).

Advantages of the Autopayment service

• The autopayment service is free in most banks. In addition, it allows you to save on commissions, because payments through Internet banking are usually cheaper than payments in a branch. As part of promotions to attract clients, banks sometimes completely waive their commission.
• When you activate “automatic payment” to pay for utilities, you don’t have to worry about the fact that some month you will forget to pay for “utilities” and will be left without electricity and with penalties.
• The service can be configured so that debits are made on certain dates and with a certain frequency. A maximum payment amount is established for each service provider.
• When paying off loans, you also don’t have to worry about what day you need to visit the bank and what size payment you need to make. You will be able to avoid late payments on your loan and, therefore, maintain a positive credit history.
• The service always works, even if you are not able to log into online banking.

Risks

• Firstly, they can connect you to such a service without your consent and start debiting your funds. Many Russian banks, together with cellular operators, are guilty of this. So, carefully read what the bank sends in SMS messages and do not hesitate to refuse the imposed services.
• Secondly, they can write off excess. Remember the situation when a woman’s apartment was almost taken away after she watched her favorite TV series while roaming (everything ended well). If the autopayment service was connected to a credit card with a limit of 300,000 rubles, she would have to deal with both the operator and the bank.
• If we discard catastrophic scenarios, then the risk that automatic payments will drive you into the red is not so great. If the service is connected to a debit card, the bank will not write off more money than is in the account. However, a situation may arise that you do not have enough money for something else, because you forgot to take into account the write-off of the next loan fee. In any case, do not forget to set upper limits so that the bank does not write off excess simply by mistake.
• No bank will give you a 100% guarantee that all “automatic payments” will go through clearly and without failures.
• When paying off loans, you need to keep in mind that transferring funds during interbank transfers can take up to three banking days. Thus, if you have a loan payment on the 10th, then “automatic payment” should be set up on the 5th-6th so that the money is sure to be credited to your account, and in case of force majeure you still have time to come to the bank and repay personal loan.
• With telephone “automatic payments”, those who like to “talk” can very quickly lose money from their bank accounts. In addition, you may not notice that the operator has activated paid services (which happens very often). And there are cases when unscrupulous bank employees charge not only for your services, but also for their own (for example, a mobile phone). It is necessary to carefully monitor the expenditure of funds.
• When paying for utility services that are charged not according to standards, but according to meters, it is not possible to establish a changing amount of “autopayment”, thus, such services require alternative payment methods.

How to disable AutoPay

If connecting the service usually does not cause problems for bank clients, then in order to disable the “autopayment” service, clients often need to diligently delve into the bank’s website or spend a long time browsing through links on the Internet.

In the Alfa-Click Internet bank, go to the “Settings - Autopayments” section, opposite the selected “autopayment”, click on the “Delete” button and confirm the operation with a one-time password.

How to disable auto payment in Tinkoff Bank

• In your personal account in Internet banking. The templates section, “autopayment”, is designated by the letter “A”. You need to switch the button to the “Off” position.
• If you do not have access to Internet banking, call 8-800-555-10-10

How to disable auto payment in UralSib

For now only at a bank branch. In the future, it is possible that the service can be disabled remotely.

How to disable auto payment at the Bank of Moscow

In your personal Internet banking account, in the Transfer Schedule tab, delete the corresponding regular payment. You can contact the department. Don't forget to take your passport with you.

Well, as general recommendations: always control the spending of funds in your bank accounts; for this, it is best to connect SMS notifications about the movement of funds in the account. This way you can not only pay for your services on time, but also be aware of your expenses.

According to official statistics, about 30% of credit card holders do not have sufficient information about the automatic payment service.

What is auto payment?

Automatic payment is a banking service that allows you to create your own schedule for making regular payments. Today, this functionality is available to clients of most Russian banks, but the most extensive opportunities are offered by Sberbank, Alfa-Bank, Tinkoff Bank, MTS Bank, Tatfondbank, as well as the Yandex.Money payment system and some mobile operators.

Connecting the service and its capabilities

You can enable automatic payments in several ways:

1. Internet banking. Most domestic banks provide the ability to manage bank cards via an Internet service. In this case, to activate the service, the client will have to fill out and confirm the appropriate form.
2. Mobile service. The service can also be activated using a mobile phone. To do this, you need to register on the appropriate service and enter the necessary command to enable the functionality.
3. ATM. In all banks, the service can be activated using an ATM. To do this, you must fill in some fields in the appropriate section and agree to enable automatic payments.

Using this service makes it possible to make and fully control such automatic payments as payment for housing, utilities and telecommunications services, replenishment of mobile phone accounts, repayment of loans, payment of traffic police fines. The Autopayment service for these transactions is provided free of charge. For other types of automatic payments, a commission is charged, the amount of which does not exceed one percent of the payment amount.

How automatic payment works

It often happens that the funds on your mobile phone run out at the most inopportune moment, when there is no way to top it up. Automatic replenishment of your mobile account will help you avoid this situation. In this case, when the established balance limit is reached, the amount specified by the client is automatically withdrawn from the bank card. These funds are instantly credited to the mobile operator's account, and the subscriber receives an SMS notification about the replenishment of the account.

It is also convenient to use the service for regular payment of utility bills or payment of traffic police fines. In this case, the service can pay bills without warning or check for unpaid bills and warn the client about the need to make payment.

Disabling the service

You can refuse to work with the service in several ways:

1. At a bank branch;
2. In your personal online banking account;
3. Through an ATM;
4. With the help of a call center operator;
5. Via the appropriate SMS service.

Do you want to not worry about paying your utility bills on time?

Set up automatic payments, and payment for Moscow housing and communal services services according to the EPD (Unified Payment Document) to the State Budgetary Institution “Zhilischnik” of your district will be made when new invoices are issued to you for payment.

How to use the service?

In Internet banking, in the “Autopayments” section, select “Moscow Housing and Utilities Services”, specify the autopayment parameters and confirm the operation. After successfully creating an auto payment, information about the new auto payment will appear in the “My Auto Payments” section.

Helpful information

1. How is payment made?
   You will be informed about the new invoice by SMS message. If, when filling out the parameters for a new auto payment, you selected the automatic bill payment mode, the SMS message will contain information about the invoice issued and the date of automatic execution of the auto payment. If necessary, you can cancel the automatic execution of autopayment in the “Payment Schedule” menu and pay the bill yourself.
   If you have chosen the manual mode of bill payment, having received an SMS message with information about the invoice, you need to independently confirm payment of the bill in the Internet bank, in the “Payment Schedule” menu.
2. How do I change my bill payment options?
   You can change the parameters of the invoice for payment during the manual invoice payment mode.
   If, when creating a new automatic payment, you chose the automatic bill payment mode, you can make changes to the payment before the date of automatic bill payment (which is indicated in the SMS message with information about the invoice issued) in the “Payment Schedule” menu, canceling the automatic bill payment and paying the bill manually.
3. What fee is charged for the service?
   There is no fee for connecting to the service.
   Payment of the invoice is carried out in accordance with the Rules and Tariffs (operation 4040 “EIRC Moscow”).
4. How can I change auto payment settings or disable the service?
   You can change your auto payment settings or disable the service in the “Auto Payments” section.