In Russia, there are many ways that are used to pay utility bills. The methods are absolutely effective and are enshrined in legislation. But it is not always possible to pay utility bills without a commission.

Commission for utility bills is a common thing, and most Russian banks set it.

As an alternative, a percentage of the amount transferred by the client is used. As a result, people lose extra money, and many would like to save on fees. Therefore, it is useful to know about the conditions set by various banks.

What does the law say?

It is necessary to pay attention to the rules prescribed in Art. 1005 of the Civil Code of Russia. There is an agency agreement, where it is written: one of the parties agrees to carry out legal and other actions on its own behalf, but the work is carried out at the expense of the principal. The latter pays the fixed amount of the rent in the manner prescribed by the agency agreement.

Art. 155 (part 15) of the LC of the country it is said that the management company can settle accounts with homeowners and charge them money for the use of real estate and utilities. At the same time, the participants in the action are certain payment agents who accept payments from individuals. persons.

Art. 155 refers to the payment of fees for housing and communal services, as well as for housing (house, apartment, etc.).

The amount of the commission that will be charged additionally

There is a fee for conducting bank transactions. Citizens of Russia themselves need to obtain information about which financial institutions offer a minimum or zero amount. Dealing with only one bank, and making transactions with different methods, the commission charged is not the same.

So that there is no additional financial burden, it is advisable to find out everything about the features of transactions for paying utility bills. In the future, the client will use the services of a bank where the commission is minimal or will choose the most careful way.

You can pay attention to specific examples of collecting a commission, for example, in Sberbank. If you pay utility bills through:

• terminals from 0.5 to 2%;
• cash desk - 2-3%;
• online - 0.5-1%;
• ATMs from 0.5 to 2%.

Commissions when calculating using the terminal may vary. Where the equipment is installed matters. Therefore, before paying, it is better to clarify the size of the commission.

Payment of utilities without commission

Employment, the frantic pace of life are not an obstacle in order to immediately pay for housing and communal services. The latter is done easily, thanks to the development of electronic technology. You can use very convenient services for these purposes, and the commission will be minimal.

A person needs to make payments for housing and communal services:

• mobile operator (MTS, Beeline, etc.);
• Internet access;
• bank card.

You can pay for services without a commission by visiting a housing and communal services institution. But there are queues waiting for the client, which almost never disappear. A working person is unlikely to fit this method. It takes a lot of time. But it is very popular among pensioners.

In order not to give additional interest on the amount paid, you can use the bank's cash desk. But not all fin. institutions offer such services. First you need to find out whether they charge a commission or not in a particular place.

You can use the post office and pay without interest, but there are restrictions. People who have concluded contracts with the Russian Post and who are customers of the bank have a similar right.

A fairly convenient method of payment are terminals and ATMs. But this applies to cardholders.

A good no-commission way to pay through Internet banking. There is no need to be afraid of this method, it is not inferior in reliability to a direct visit to the bank.

Payments for housing and communal services can also be made through mobile operators. For this, special programs installed on laptops are used. They work well in the Android system on phones.

Not many banks provide customers with the opportunity to pay for utility services without a commission, these are:

• Tinkoff;
• Citibank;
• Credit Europe;
• Uniastrum Bank.

This became known as a result of research conducted in 2016. Promsvyazbank can also be added to this list, only without interest it will be possible to make a payment of up to 10 thousand rubles.

Post office

Payment for housing and communal services through Russian mail is popular in small towns, villages, villages. In big cities, the rhythm of life is fast, so these services are losing their appeal. After all, you need to visit the post office to make a payment.

In some regions, a commission is still charged for paying utility bills at the post office. Before paying, you need to clarify this point with the operator.

Payment is made near a free window. Often you have to stand in line. The operator needs to give the completed books for services. The money is received by the postal employee, who then enters the data, hands over the second receipt to the client, and keeps the first one. The operator also returns checks to the client, which contain information about the payment.

Sberbank Online

To pay bills without problems, and there were no interest, you will need:

• Internet access;
• bank account;
• be a Mobile Banking user.

It is necessary to carry out a number of simple steps:

• log in to your personal account (you can find out your password and login using the self-service terminal);
• the entrance to the site must be confirmed using SMS (a code will be sent to the phone, it is written in a special field that appears after entering the login and password);
• click "Payments and transfers";
• among the available categories, click "Housing and communal services and home phone";
• select a service from the list that appears;
• then select a service provider from the list;
• a form appears to be filled out;
• if all the data is entered correctly, you can move on and click "Continue";
• Then again the code comes to the mobile phone, you need to enter it.

If everything is done correctly and the payment is successful, a page will appear showing the results of the action taken. The receipt can be printed if necessary.

To pay without a commission, you can use the mobile application from Sberbank Online. This method works great in devices that use:

• iPhone;
• android;
• iPad;
• Windows phone.

The application is downloaded from the official Internet resource of Sberbank. It is necessary to register in this system after downloading it.

To pay utility bills through the application, you need:

• Enter the application (this is done using a five-digit code. It will be recognized during registration).
• You need to look at the settings and check the region so as not to make a mistake with the service provider.
• Click "Payments and Transfers".
• A whole list will open, from it you should select "Utilities".
• Select a service provider.
• A form will open, you need to fill it out.
• Click "Pay".
• Confirm action.

If you need to check the status of a payment, then this information is contained in the history.

Yandex money

This service is very popular among users, this also applies to housing and communal services. The payment form can be found on the main page of the wallet. But first, find the right section.

There are transaction limits if you choose this payment system. The maximum amount is 10 thousand rubles.

It may take several days for the funds to reach the addressee. The money in the wallet will be debited to the account of the legal entity.

State Services Portal

The State Services service does not take a commission for paying a communal apartment from its own customers. But interest on the amount paid can be charged by the service provider, as well as the bank used by the client.

If the payer decides to resort to the website of the State Service, then he can use a bank account or an electronic wallet.

To start paying through Public Services, you need to:

• go to gosuslugi.ru;
• log in to your personal account or register;
• go to the office, click "Payment";
• select "Payment for utility services";
• click "Pay";
• a window appears, in it you should select "Get a service".

Thanks to this method, the client will avoid queues, save time, and eliminate confusion in receipts.

Terminals and ATMs

Some Finnish institutions make it possible to pay for housing and communal services through an ATM without losing money on a commission, but they give such benefits only to their customers. If a person does not have an account with a financial institution, then he will have to overpay interest.

To pay through an ATM, you need to select the “Utility payments” item, which will definitely be on the scoreboard. You must also enter the required data. It is better to get acquainted with the conditions before paying at an ATM, but not all fin. institutions enable the client to get acquainted with these requirements.

It is easy to pay for utility services without a commission using terminals. But a smaller number of them do not charge interest. You will need cash for this, no card is needed. It is necessary to enter the account number and some personal data in a special field. Then comes the payment.

Receipt of payment

The receipt (or EPD) of payment must be kept. It is not thrown away, but saved in paper form. If the money was deposited via the Internet, you need to print a check. Receipts will be needed when selling a home.

The receipt period is 3 years. This is written into the statute of limitations.

In 2018, it is quite possible to pay for housing and communal services without overpaying the commission set by the bank. To do this, terminals, payment systems offering their services via the Internet, terminals and other available methods are used.

You will be interested

Utilities are included in the category of mandatory monthly expenses from the family budget. In order not to accrue penalties, they are paid in a timely manner within the prescribed period. Today, payers are offered many ways to pay utility bills, among them there are paid and free options. Depending on the amount of payment, the amount of commission for paid methods can reach a decent amount per year, so you should know exactly how you can pay utility bills for free.

Regardless of their place of residence, citizens can use the following free payment methods for housing and communal services:

• Directly at the company that issued the invoice;
• Representative offices of banks;
• FSUE Russian Post;
• Through ATMs and payment terminals;

Let's take a closer look at each option.

in management companies

You can pay for services through the cash desks of management companies that prepare invoices for payment. This applies to water supply services, for an apartment, for major repairs, etc.

Electricity and gas bills are paid separately. Due to the fact that these companies provide services directly, they should also be paid directly at their representative offices.

The advantages of this method are: services are paid for free, money is credited to the recipient's account instantly. However, in the modern world, this payment option is of little use. Monthly visits to service providers will take a lot of time and effort.

At bank offices

If you live near a credit institution, you can pay utility bills through it. You should first find out about the presence of commissions for the operation. Some banks do this for free.

Banks accept payments in accordance with the agreements concluded with service providers, so you should first find out if it is possible to pay for the desired HOA, housing cooperative or management company. If there is no agreement with the bank, a commission of 3-5% of the payment amount will be charged for the operation, at least 30-50 rubles.

The method will be convenient for those citizens who live or work near the representative office of a credit company that has entered into an agreement with the payer's management company to accept payments. Money will arrive on the day of payment or the next day.

Through Federal State Unitary Enterprise Russian Post

The Russian Post enterprise accepts utility payments from citizens in various ways:

• At the box office. The presence/absence of commissions depends on the specific department, information about this is posted on the stands in the representative office of the company.
• At ATMs and terminals installed in Post offices.
• Through the website of the Federal State Unitary Enterprise Russian Post. You can make a payment through the website of the Post of those service providers, with which the division of the company has entered into an agreement. The list of suppliers is presented on the site, the presence or absence of a commission depends on the terms of the contract. Payment is made by bank card. At the moment, the method is only being introduced into practice.

Online payment from the website of the Russian Post is available at the link:

A complete list of organizations whose housing and communal services can be paid online through the websites of the Russian Post,.

This payment option is quite convenient for elderly people who live near the post office and do not use Internet banking and bank self-service devices.

At ATMs

The second most popular is the method of paying utility bills without a commission. through bank self-service devices. A large number of ATMs and terminals makes their use simple and convenient.

Before making a transaction, find out the terms of payments in favor of your management company. They can be different, without charging commissions and paid.

With the help of self-service devices, you can transfer money from a card or make a cash payment for those who do not use bank cards.

Online

The most popular option is to pay online using online banking companies, through electronic payment services, electronic payment systems, on the websites of public services and management companies.

Online banking

To choose a free method of paying off utility bills, it is better to contact the following banks:

• City Bank;
• Bank Tinkoff;
• Europe Credit Bank;
• Uniastrum Bank;
• Alfa Bank.

Some credit companies offer free payment only to certain categories of customers. For example, Promsvyazbank can make transactions without commissions bank payroll customers if the transfer amount does not exceed 10 thousand rubles.

Important: in some credit organizations, when paying for utilities through the company's online bank, a commission is charged, but if you use mobile banking, the operation can be completed free of charge.

Attention! At the moment, payment through a mobile bank in Sberbank, through the Sberbank-online service, comes with a commission. The tariff is 1%. The maximum is 500 rubles. The tariff for payment of the EIRC is 0.5%, Mosenergosbyt - 1%. If your management company has entered into an agreement with Sberbank to pay for housing and communal services, in most cases the commission will be 0 ₽. Making transactions in mobile banks is even more convenient than through websites, the payer's phone is always nearby, you do not need to look for a computer to make a payment.

In order to pay for services, you should register on the bank's website, enter your personal account, select the section "Payment for utility services", enter the details of the recipient of funds, the amount, the account from which the money will be debited. After the payment is confirmed, the money will be debited. The term for transferring funds to the recipient is the next day at the latest. Payment receipts will be stored in the "History" section, if necessary, they can be printed.

You can pay for services at any time convenient for the borrower, you do not need to spend time looking for self-service devices or other ways to deposit money. You can set up "Autopayment" and on the appointed day the system will independently perform the operation, it will only need to be confirmed.

Electronic payment services

The use of electronic payment services is also a convenient option for paying utility bills. You can use EPS "Rapida", "Oplata.ru", "a-3. Ru", QIWI, etc.

Services provide an opportunity to make a transaction without commissions from a bank card.

To complete the transaction, you will need to go to the service, select a service provider, enter the personal account number and other requested information, details of the card from which the funds will be debited. After checking the entered information, pay for the service. On the services, registered users will be able to track the status of the payment, set up a template for quick follow-up operations.

To make transactions for free, you may need to register in the system and purchase a plastic card.

You can check the presence of a commission for the operation before it is completed. After the formation of the payment order, the screen displays the amount that will be withdrawn from the account, including the amount of the commission. If the price of the service does not suit the payer or he does not have enough funds on his account to carry out the operation, he will be able to cancel the payment.

Utilities can be paid electronically. For example, electronic wallets Yandex.Money, QIWI allow you to make payments in favor of management companies. More often than not, you will need to pay a fee to do this. (minimum 30 rubles per operation), You can make transactions for free during the promotion period.

On the websites of State Services, management companies

You can pay utility bills through the portal of public services. There is no commission charged for the operation. The service will be available if the payer has a simplified account. To do this, it is enough to indicate your full name, mobile phone and e-mail address and confirm the registration with the appropriate SMS message.

The payment history will be available to the payer in their personal account.

To pay through the website of the State Services, you must go to the service page

Click "Get a Service":

Specify TIN organization that provides you with utility services (TIN can be found in the payment)

In the end, all that remains is to fill in the payer's data and pay with a bank card.

Through the websites of municipalities, you can pay for utilities without commissions to citizens living in large cities of Russia. For example, from the official website of the mayor of Moscow www.mos.ru you can pay for utilities without commissions to Muscovites when paying with a social card. If the payer does not have a social card, when paying with cards of any banks, the commission will be 0.8%. The money will go to the recipient of the funds within 24 hours after the operation.

The websites of individual utility companies make it possible to pay directly from their pages.

Please note that all possible payment methods are indicated in the payment receipts.

Conclusion

When choosing payment methods for utility bills, analyze not only the amount of the commission for the operation, but also the convenience of depositing money. Often it may turn out that it is more profitable to pay utility bills with a minimum commission than to waste time and incur additional costs in order to complete the operation for free.

For example, paying utility bills with a minimum commission of 30 rubles. from a mobile phone, this can be done at any convenient time, even on the way home from work. It will take a few minutes to complete the payment.

If you choose the method of free payment through a visit to the representative office of the service provider, then the transportation costs will additionally amount to 100 rubles, it will take at least 1-1.5 hours.

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

When to deposit funds

The terms of payment for housing and communal services are clearly regulated by Article 155 of the Housing Code of the Russian Federation. The first paragraph of this regulatory act states that citizens of the country must make payments by the 10th day of each month. Moreover, at this time, the user pays for the services provided to him last month.

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

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

Where to make payments

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

The higher the amount paid, the higher the commission. Given the constant increase in the cost of rent, such an additional financial burden can become a problem for citizens. Therefore, the question becomes relevant - how to pay for housing and communal services without a commission? You can do this with:

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

At the same time, it should be taken into account that not all banks provide their customers with the opportunity to transfer funds without charging a commission. In some terminals, additional funds are charged for such actions. Sometimes the commission is not charged only for individual payments. For example, any resident of Moscow can use the Mosenergosbyt website to pay an electricity bill at no additional cost, but other services will have to be paid with a commission.

ATM use

Where to pay utility bills without commission? Many large banks give their customers the opportunity to pay without commission through ATMs. In this case, it is enough for a citizen to use the appropriate ATM, select the item related to payment for services, and then fill in the required fields.

But before using an ATM, it is recommended that you familiarize yourself with the terms and conditions of the bank to which it belongs. Not all financial institutions provide such opportunities. The country also has a large number of terminals. Their advantage is the ability to deposit funds in cash, which may be needed if there is no plastic or funds on it. However, most of these devices charge a fee for making payments.

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Electronic payment systems

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

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

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

Internet banking

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

However, payment of utility services without a commission is not valid in all financial institutions, therefore, it is recommended that you familiarize yourself with the terms of transfers before carrying out the operation. For example, in Sberbank Online you cannot pay rent without a commission. However, if in a bank branch it is 3%, then in Sberbank Online it is only 1%.

Mobile banking

If for the transfer of funds through Sberbank Online it is necessary 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. It is enough for the user to activate this option after registering in Internet banking.

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After the user registers in the system and connects the mobile bank, you need to go to the "Housing and communal services ..." section, select a specific organization in the list, enter the details, information from the meters. After all the fields are filled in, it is necessary to confirm the payment using the code sent to the client's phone. You can print a receipt by going to the "Executed" category and selecting the appropriate payment.

Using the service "Gosuslugi"

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

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

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

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

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

Free legal advice:

Although 2-3% is not a particularly significant amount, many do not want to overpay. Prior to this, the commission was 1.9% and was included in the total cost of services, and therefore was simply not noticed by citizens.

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

How are utility bills calculated?

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

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

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

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

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

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

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

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Existing methods of payment for utility services

Paying utility bills today is easy. To do this, there are several simple and convenient ways.

At bank branches

In the branches of almost any bank, they accept payment for all kinds of services: heating, electricity, water supply and disposal, services of management companies, gas, garbage collection, and so on.

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

Payment will require a billing statement, which is often delivered to consumers at home. It already indicates the amounts for each service that you need to pay.

Payment terminals

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

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The scheme is as follows - a person enters a unique number, which is indicated on the utility bill, the amount in rubles, deposits cash through a special hole.

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

Via Russian Post

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

The rest are charged a commission - 1-3%.

Self-service devices

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

Free legal advice:

The commission from the client is charged in the amount of 1.5% of the amount.

With a non-cash transfer directly from a personal bank card, there is no commission.

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

Most consumers in banking institutions and post offices are forced to overpay, because without concluding a special agreement, a commission is charged.

If the consumer is a client of the bank and receives a salary or other payment on a plastic card, it is possible to pay bills through remote banking.

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

Free legal advice:

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

At ATMs of some banks, it is possible to make a "commission-free" payment for housing and communal services from a personal card.

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

Free Internet services for paying utility bills

With the help of the World Wide Web, you can pay for housing and communal services in a non-cash way, transferring money from your card to the supplier's account.

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

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Sberbank Online

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

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

If desired, you can generate and print a check.

A3 system

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

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

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

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

QIWI payment system

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

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

Settlement Center Online

Payment is accepted with Visa and Master Card.

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

Free legal advice:

Only some utility services can be paid without a commission.

Electronic money

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

The following payment systems are most common in Russia:

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

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

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

Free legal advice:

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

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

Therefore, it is advisable to keep receipts for as long as possible. This will help save the consumer from collecting proof of payment in the event that payment is not received by the supplier company.

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

The story tells what are the alternatives to standing in queues when paying for utilities.

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

Free legal advice:

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

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

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Methods and rules for paying rent and other housing.

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Rules for the demolition of dilapidated and dilapidated residential property

Aims and procedure of the program “Old.

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2 comments

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

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

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How to pay utility bills without commission?

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

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

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

You can find out whether you need to pay for the overhaul 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 how long the payment will be delivered:

Free legal advice:

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

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

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

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

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

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

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

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

Samples of complaints about the management company to the housing inspection can be downloaded here.

Commission amount

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

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

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

Free legal advice:

In Sberbank, you can use the following options:

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

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

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

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

Payment without commission

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

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

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

Free legal advice:

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

Free internet services

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

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

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

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

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

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

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

How more profitable?

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

Free legal advice:

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

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

Receipt storage

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

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

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

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

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

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

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

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

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

Payment of utility bills without commission in 2017

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

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

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

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

Payment of rent

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

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

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

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

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

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

What is included?

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

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

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

Legal justification

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

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

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

Where to pay utility bills without commission in 2017

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

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

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

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

Cash

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

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

Through the terminal

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

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

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

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

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

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

Bank card

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

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

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

The following procedure must be followed:

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

Read more about utility bills for major repairs here.

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

Post office

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

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

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

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

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

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

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

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

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

In online mode

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

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

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

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

The most common in our country are:

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

other methods

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

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

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

Receipt Form

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

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

and the final amount

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

Sample Fill

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

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

There are certain fields that must be filled in:

and payer's signature

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

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

Possible nuances

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

What to do in such cases:

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

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

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

Read more about the due date for utility bills here.

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

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

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

Installment debt on utility bills

List of utility bill debtors

Utility bill notice

September 29, 2016

Check Also

Subsidy for utility bills

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

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The obligation to pay for utilities falls on all citizens, with the exception of a small category of beneficiaries. Evasion of obligations or late payments invariably entail very serious troubles with housing and communal services. Due to the ever-increasing tariffs and late fees, saving is becoming a priority for many, so the population is increasingly wondering if it is possible to pay rent without a commission and how to do it.

Today, the methods of paying for utilities are very diverse, ranging from personal visits to a housing and communal services institution, a bank or a post office, and ending with payment through terminals and the Internet. In most cases, a percentage fee is attached to the service, the amount of which depends on the chosen method and the service provider.

It is advisable to choose a couple of ways to pay utility bills so as not to waste extra time and money. What will be the choice - the decision is individual and often depends on the circumstances. For example, not everyone has the opportunity to get to the bank cash desk on time due to the work schedule. And although there are quite a lot of services that allow you to transfer money via the Internet, almost all of them require an additional commission for such convenience.

Bank cash desks

The most common and reliable option for rent remains a bank cash desk. It is here that you can pay without a commission, being sure of the accuracy of the transfer. Here you can immediately figure out if any operation was performed incorrectly and correct the error. A good way is that the client is given a receipt in his hands, which clearly states when, how much, for what and where utility services were paid.

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The disadvantage, in turn, is a considerable amount of time spent visiting the bank, if, of course, it is not on the way home. However, the queues, the human factor, the slowness of the operator and the lunch break have not been canceled. As a result, you can stand for more than one hour, getting to the window of the bank cash desk. Whether it is worth the savings or not depends on the financial condition of the payer, the amounts that he plans to deposit, and his personal convictions.

Undoubtedly, if it is necessary to pay a very impressive amount for utilities provided by housing and communal services or another management company, especially with a delay, payment through a bank cash desk will be more than justified. Sometimes it's better to spend a little time than a lot of money.

Network payments

Another way to pay without commission is to transfer money via the Internet. But we are not talking about private systems, but about Internet banking or personal accounts on the website of the service provider. These are no less reliable methods than a cash desk in a bank. In addition, through the Internet, you can pay for an apartment at any time convenient for you, spending just a few minutes. No queues, payment goes through immediately. In addition, the function is very convenient, in which you can see when and how much has already been paid earlier in the system. In your personal account, you can see the current state of the debt, find out in time about changes in tariffs, planned work and the amount of the penalty.

To register in such systems, in order to continue to pay for a communal apartment through them, you should only once. Further, they are available from almost anywhere in the world, so there will be no difficulty if you need to leave the country for more than a month.

Mobile and cash payment

Another option for paying utility bills without commission is the MTS mobile service. There is a special application for Android devices, desktops and laptops. Through it, you can make a payment without fear of theft of funds. However, it should be remembered that for this it is necessary to follow the instructions steadily and install the application only from the official website.

You can also use the USSD request of the MTS system. It also does not include a commission. The current valid codes can be viewed from the official website so as not to get caught by scammers.

You can pay utility bills directly at the housing and communal services cash desk without a commission. This method is also convenient because it allows you to check all past payments on the spot, check with a specialist if there are any debts, and also receive receipts for a new payment. However, this requires free time. On the other hand, not all categories of the population prefer to pay for anything through terminals or the Internet, so cash desks will be relevant for quite a long time.

Savings on commissions

Government regulations of the Russian Federation affirm the fact that the population must pay all commissions on their own. At the same time, Russian legislation recognizes the right of banking and other structures to determine the amount of commission independently. In this regard, if any of the options listed above are not suitable or temporarily unavailable, then you can at least save on such fees.

Each bank has developed its own system of fees and the percentage ranges from one to five. Therefore, before hastily paying receipts at the nearest branch, you should clarify what percentage is withdrawn at this institution so that there are no surprises when the amount due is announced.

Sometimes payment terminals that use the Internet come in very handy. It is also very convenient to pay bills through their menu, as they work even at night or on weekends, when all institutions are closed and the Internet is turned off at home. Such terminals are located in many shops and transitions. The menu is quite simple, money is not delayed anywhere, and payment is made immediately. But here the commission in the terminals is already from three to five percent, while it does not have the function of withdrawing change. However, the money will not go anywhere, but will be credited to the specified account number.

Post office

You can also pay utility bills at the post office, but also subject to a certain commission. However, it is not withdrawn from everyone. For example, if the payer is a client of Sberbank, which has entered into an agreement with the Russian Post, then it will be possible to pay for an apartment without a commission. For the rest, it will be from one to three percent. What percentage it will be depends not on the department, but on the amount paid. The principle is no different from a bank cash desk.

After analyzing all the above options, it is easy to conclude that at least a little, but you can still save on utility bills. There is always an alternative for almost everyone.

In addition, bypassing the commission is real when concluding an advance agreement in the Engineering Service, under the terms of which the payer will pay an advance payment for the housing and communal services for months in advance. This option is not suitable for everyone, but you can not write it off. For some, it is more beneficial.

Paying utility bills via the Internet is a reliable and convenient way that saves time for the payer. To pay utility bills, it is enough to have a computer with the Internet and a bank card or an account in the Internet bank or in an electronic payment system.

Housing and communal services can be paid in the following ways:

• At an ATM or terminal;
• Through Internet banking or the bank's mobile application;
• Bank card via the Internet;
• With the help of electronic payment systems;
• Through the portal of public services;
• On the website of the management company or resource organization;
• At a bank branch, company cash desk or post office.

The Gosuslugi website operates on a one-stop-shop basis. With the help of the portal, you can not only receive the services of state bodies, but also pay utility bills.

You can create a personal account in the system through registration on the site, but you need to confirm your account.

There are several ways to verify your account on the State Services website:

• Personal contact with an identity document to the User Service Center. Usually this is an MFC, a branch of the Pension Fund or a branch of the Post Bank;
• Online through Sberbank Online and Tinkoff Internet banks, as well as through the web version or the Post Bank Online mobile application. In this case, there is no need for personal verification of identity;
• By ordering an identity verification code by mail;
• Use an electronic signature.

When you have confirmed your account, you can pay for services through the portal.

To pay for the services of housing and communal organizations through the State Services portal, you need to:

1. Go to the main page of the gosuslugi.ru portal;
2. In the tab " Service catalog» find the section "Apartment, construction and land";
3. Select item " Payment of utilities”, get acquainted with the algorithm for the provision of public services;
4. Press the button " Get a service»;
5. Select a service provider for a specific locality;
6. Enter your account number and click " Further»;
7. Specify payment information;
8. Enter your credit card details and make payment.

Payment via Sberbank Online

To make a payment through the bank's Internet service, you need to perform a few simple steps in a certain sequence.

There is a search by organizations in the Internet bank. You can use it in case of difficulties by indicating one of the well-known details of the company - name, TIN, current account number.

Payment in the personal account of other banks follows a similar scenario. Some banks offer the ability to connect auto payment to automatically pay for services after a certain period of time, in the case of utility bills, every month.

How to pay utility bills online

A convenient way to pay utility bills are electronic payment systems. Using such services, you can easily transfer funds to the account of the organization.

At the moment, the following payment systems are most common:

• Qiwi
• Yandex money
• Site Payment.ru

QIwi wallet is a popular payment system that is easy to conduct transactions.

To make a payment you need:

1. Go to the official website of the qiwi.com system;
2. Log in to the system (or create a wallet, follow the instructions on the site);
3. Press the button " Pay»;
4. Go to section " Communal payments»;
5. Select the required organization;
6. Enter the details in the appropriate fields - the personal account number, the amount of payment and the payment period for housing and communal services, if required;
7. Check the correctness of the entered data;
8. Confirm payment with a code from SMS;
9. If necessary, print the receipt and complete the payment.

On the QIwi website, utilities can be paid not only from a wallet account, but also from a card of any bank or from a mobile phone balance.

Yandex money

The system differs from the Russian Internet giant in the simplicity of registering an account - for all users who register mail, a Yandex.Money wallet is created.

To pay utility bills, you need to perform a number of actions:

1. Log in to the Yandex system using your email address and password;
2. Go to the Yandex.Money section from the main page of the service or follow the link money.yandex.ru;
3. From the menu on the left select " Payment for services»;
4. Find item " Housing and public services»;
5. Choose the organization in favor of which you need to make a payment;
6. Enter the payment details, indicate the amount, check the correctness of the entered data;
7. Confirm payment.

It should be taken into account the fact that in order to make a payment without a commission, you must have a card of this system. The payment procedure is not much different from other systems. To pay for housing and communal services you need:

1. Register an account on the payment system website;
2. Log in using the data specified during registration;
3. In the tab " Rapida-Online» select the section of housing and communal services;
4. Choose an organization;
5. Enter payment details and confirm payment.

On the site you can pay for services without registering a personal account. The payment algorithm is as follows:

1. Go to section " Payment without registration» at oplata.ru/?action=freepayment;
2. Select the provider category (utility payments, internet, television, etc.);
3. Indicate the region for the provision of public services;
4. Select the beneficiary organization;
5. Press the button " Continue»;
6. Choose the appropriate payment method - a bank card, payment service Moneta.ru or a network of payment terminals;
7. Specify the data required for making a payment;
8. Confirm transaction.

Mobile application of the bank

Applications of most banks duplicate the functionality of web versions. This allows you to pay with your smartphone. This option is suitable for those who are used to making all payments using their phone.

Applications of some banks allow you to read the barcode indicated on the receipt, which greatly simplifies the procedure for filling out the details.

Most banks allow you to pay utility bills without commission at their ATMs. Depending on the device, the procedure may vary slightly, but always consists of the following steps:

• Insert a bank card into the device and enter a pin code;
• Select the desired section. Usually, the title of the section contains the words " Rent" or " housing and communal services»;
• Enter the details printed on the receipt;
• Specify the required amount;
• Confirm the transaction and print the receipt.

Some devices have the ability to scan the barcode or QR code printed on the receipt. The procedure is similar to reading a barcode from an item by a cashier in a store.

This function greatly simplifies the payment of utilities through an ATM, the payer only needs to check the correctness of the data and confirm the payment.

Payment of utilities through the terminal

You can pay for the services of communal organizations through the terminals. These can be devices in bank branches that allow you to pay for services not only with a card, but also in cash, or terminals of common payment systems like Qiwi or CyberPlat.

This method is convenient, because. terminals can be found in almost any store or large shopping center. But it is worth considering that most of these devices charge a commission for such operations.

Conclusion

Thus, anyone can pay for housing and communal services without any problems using the most acceptable payment method.

• You should carefully check the correctness of the entered details and the amount of the payment, because. in the event of an error, problems will arise, and the inaccuracy may not be immediately detected. In case of a long delay, the utility organization has the right to charge penalties and fines.
• Pay attention to the size of the commission. Depending on the method of depositing funds into the account, the commission may be absent or amount to several percent of the amount of the payment.