Timely and full payment for actually consumed utilities is the responsibility of every citizen who owns a residential property, be it an apartment or an individual residential building. Payments for housing and communal services (HCP) are made, as a rule, monthly, taking into account the established tariffs. The volume of service consumption per month is determined according to data from special accumulative metering devices (meters), or based on standard indicators regulated by an agreement with the supplier and legal requirements. Thus, monthly payments for housing and communal services (HCS) are one of the most popular transactions in the practice of settlement and cash services for the population carried out by banks. The question arises: is it possible to pay for utilities via the Internet without a commission? Of course, such a possibility exists.

Until recently, in order to pay rent before the due date, people were forced to personally visit financial institutions, stand in queues, and pay additional fees charged by banks for each payment transaction. Today, information technology significantly expands the possibilities of choice, allowing such payments to be made online without commission.

Remote payment for housing and communal services is fast, convenient, profitable, and reliable.

Naturally, paying off obligations for utility bills via the Internet is becoming a common and popular practice among the majority of Russian citizens.

It should immediately be noted that the charging of additional commissions by banks when the population pays for housing and communal services was legalized back in 2009 by a separate resolution of the Government of the Russian Federation. Homeowners who systematically paid rent through banks practically did not notice such a commission, since it was included in the cost of housing and communal services and amounted to only 1.9% of the price of the service.

Currently, the amount of commission charged by financial institutions when a citizen pays rent reaches 2-3%.

The regularity and obligation of utility payments, the high cost of housing and communal services, the need to pay a commission to the bank - all this, of course, significantly affects the expenditure side of the budget available to the homeowner. Many citizens are interested in how to pay rent without a fee.

Today you can pay for housing and communal services in different ways: post office, bank cash desk, self-service terminals and ATMs located within walking distance, as well as other options for making such payments. Often, all these methods involve deducting an additional commission from the payer.

The most advanced citizens prefer to use the Internet when making payments for consumed housing and communal services. However, most online payment services are also set to charge the payer a certain fee. To pay for housing and communal services without commission, you need to find an online resource for the appropriate purpose, register on it and make utility payments, strictly following simple and understandable instructions.

In the Russian segment of the Internet there are a number of available services with which you can pay for housing and communal services online with a bank card. The most used of them are:

1. Sberbank Online.
2. System A3.
3. City services portal (for payers from Moscow).
4. Remote payment function on the Tinkoff Bank website.
5. Option for remote payment of housing and communal services through the online resource of the management (service) company.

Sberbank Online as a way to pay for utilities

Holders of Sberbank plastic cards have a significant preference - the ability to pay for any utility services via the Internet without commission. In order to regularly make such payments, the user must register a personal account in the Sberbank Online application.

Knowing the name of the organization providing the relevant services and the number of his personal (subscriber) account, the apartment owner can easily carry out the necessary transaction without leaving his own home. This is done very quickly. There is no commission charged upon payment by the client. All the information that is required to correctly fill out the payment details can be found directly in the payment receipt, which is sent monthly to the apartment owner by the provider of a specific housing and communal services service (electricity, water, gas, heating).

To pay for housing and communal services through Sberbank Online, you must follow this procedure:

1. Visit your personal account by entering your own identifier (login) and secret password when logging in.
2. Select the “Payments and Transfers” section in the horizontal sector of the menu that opens.
3. Select the “Housing and communal services and home telephone” tab in the “Payment for purchases and services” category.
4. Decide on the type of paid service (select from a possible list).
5. Indicate the desired utility supplier organization (payee) by finding it in the list of relevant companies.
6. Next, you should provide the following details:
   paid service;

• bank card (account) from which the funds to be paid are to be written off;
• personal (subscriber, client) account number by which the service user is identified in the provider’s database.

1. Having confirmed the correctness of the entered details, indicate the amount of the expected payment in the corresponding line of the form called “Payment Amount”. This amount is usually displayed automatically, but the payer has the right to adjust it accordingly. Confirm that the specified data is correct – “Continue”.
2. A new virtual window opens in which a message will appear indicating that there is no commission for this transaction.
3. Payment must be confirmed via SMS.

The transfer of money to the specified supplier is made within 1 (one) business day.

How to pay utility bills using the A3 system

The A3 online service allows the apartment owner to successfully pay for some types of utility services without charging a commission. To regularly use this tool, you need to register in the A3 system, gaining access to your personal account on the website of this payment service.

The main details for making payments for housing and communal services to a specific supplier using A3 are the payer’s personal (subscriber, client) account number and a valid MasterCard (Visa) card.

The algorithm for making a payment through A3 provides the following sequence of actions:

1. Registration in the A3 online service system. It is necessary to find the appropriate website and go through the prescribed registration procedure, indicating the name, e-mail, phone number of the user, and also coming up with a secret password for subsequent authorization in the system.
2. By specifying the necessary registration parameters, the user agrees to the terms of the A3 service by entering a one-time SMS code sent to the specified phone number.
3. Authorization in your personal account on the A3 online resource(enter your email and secret password). The user's region of residence should be specified separately if it has not been determined automatically.
4. Find and indicate the name of the supplier organization(via search option).
5. If the required company can be found, payment details are entered, which is performed in accordance with step-by-step instructions.

Payment for housing and communal services through the city services portal

This service (pgu.mos.ru) is available online to Moscow residents. It is noteworthy that only holders of Bank of Moscow plastic cards can make payments for housing and communal services using this portal without commission. If payment is made using other cards, a certain commission will be charged from the payer. To pay for housing and communal services online with a bank card using this service, the user should adhere to the following procedure:

1. Registration on the online payment service resource.
2. Receipt of a Unified Payment Document upon prior request.
3. Make payment following the instructions provided.

Remote payment function on the Tinkoff Bank website

This online resource allows you to make payments without commission only to a certain list of organizations that provide housing and communal services. You can do this by following the instructions:

Visit the Tinkoff online resource.

1. Select the “Payments” section in the menu. The region display usually happens automatically.
2. Find and open the “Utility Payments” tab.
3. In the window that opens, select from the list the desired supplier, payment for whose services is made without commission.
4. Enter the necessary parameters for the upcoming payment.
5. The bank client is automatically redirected to his personal account. Other users are offered authorization by phone number and registration.
6. Follow the instructions to complete the payment procedure.

You can pay utility bills on the Tinkoff website

Payment for housing and communal services through the online resource of the service company

This option is also actively practiced at present, since many management (service) companies have their own websites offering the option of online payment for housing and communal services with the deduction of a minimum commission or, generally, without charging a commission. To check this possibility, you need to familiarize yourself with the functionality of the online resource of the organization servicing the payer’s home.

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Payment for housing and communal services is one of the mandatory items in citizens' expenses. While fulfilling your obligations to deposit funds into the accounts of suppliers in a timely manner, it is important to choose correctly where to pay for utilities. Some companies charge a commission of 5% of the payment amount or more, others transfer funds to the account after several days, which causes inconvenience to payers.

Why choose payment methods for housing and communal services?

Housing and communal services must be paid on time, otherwise users face fines or disconnection for non-payment. Wanting to make payments quickly and with minimal interest to the intermediary, residents periodically look for new companies where it will be most convenient for them to pay for utilities.

Utility payment options

• Payment in cash at the organization's cash desk.
• Transfer via bank transfer.
• Payment in "one-stop shops" for housing and communal services.
• Transfer of funds in terminals of financial organizations.
• Transfer using mobile applications.
• Use of electronic payment methods: online cash registers and wallets.
• Online banking.

Payment in cash at the supplier's cash desk

The easiest way to save money on intermediary commissions is to deposit them at the service representative's cash desk. To do this, you need to find out the supplier’s address and come with a document for payment, observing the operating hours of the enterprise.

For example, where you can pay for utilities in Almaty to the company KSK "Dom", the client can find out on the front side of the receipt. The document also indicates contact information (phone, email).

The advantage of this payment method is that there is no commission for transferring funds. When depositing money into the cash register, there are no intermediary services, so the entire amount transferred by the client goes to the supplier’s account.

But this option is inconvenient for residents whose houses are served by several housing and communal services companies. To pay for each of them, you need to visit several offices, which may be located in different parts of the city. This will entail additional travel costs and will take 1.5 hours or more.

Intermediary banks for payment for housing and communal services

Clients use banking services not only for issuing cards and loans. Transfers to utility accounts are also in demand among visitors to financial institutions.

Unlike suppliers, the benefit for banks when transferring funds lies in the possible commission for the service provided. It may include a minimum amount, for example, from or a percentage of the transfer (0.5% or more).

Sometimes a transfer to the supplier's account is carried out without commission. In such cases, customers do not have to worry about where it is better to pay for utilities.

The absence of a bank commission is not a permanent advantage: receipts are paid without interest only if the supplier has entered into an agreement with the company. According to the agreement, the obligation to pay the commission is assumed by the company whose account belongs to the bank branch.

When sending funds to a bank, the transfer arrives within 48 hours. In most cases, money is credited the next day after sending. The client is given confirmation of the completed payment in the form of a check, which indicates the supplier, the date of the transaction, the amount and the size of the possible commission.

Banks are one of the most common options where you can pay for utilities, since depending on the financial institution, the size of the commission and the speed of transferring funds will differ. The leader in accepting payments from individuals is Sberbank PJSC: more than 1.2 million citizens use its bill payment services every day.

"Single Windows" - an alternative to bank offices

If a client does not want to pay utility bills at a branch of a credit institution, he can contact companies that specialize in accepting payments from citizens. These are the so-called "Single Windows".

Companies, unlike banks, do not engage in additional promotion of their products: they make profit through intermediary transactions related to transfers. This is an additional option where customers can pay for utilities without commission or long queues.

The disadvantage of this method is its remoteness: in contrast to the variety of banks, there are many fewer “Single Window” branches in cities, so many payers have difficulty finding an organization.

Like banks, One Stop Shops do not guarantee payment of all bills without commission, but the list of companies whose details do not charge interest when paying is 10-20% larger. This is one of the most profitable options for paying utility bills in Moscow: in the capital the number of branches is 12 times greater than in cities with a population of less than 300 thousand people.

Payment for housing and communal services in terminals

Since 2016, payment terminals have been used not only as a way to top up mobile phones and online wallets. Gradually, their functionality expanded significantly, and one of the new capabilities was the acceptance of funds to pay for utility bills.

The advantage of the method is its geography: payment terminals are installed in 9 out of 10 shopping centers, 75% of municipal buildings and 36% of large stores. For payment you can use either a bank card or cash.

This is a modern option for paying utility bills (in St. Petersburg, for example) when it is not possible to visit post offices. The disadvantage of this method is the increased commission: when transferring to the supplier’s account in the terminal, up to 10% is charged, including the minimum established threshold (for example, 10 rubles).

The terminals also do not have a wide list of companies: it includes only large providers of housing and communal services, for example, Gazprom or Mosenergosbyt.

Using mobile applications of banks and other financial companies

The modern method of transferring funds to pay for housing and communal services involves the use of smartphone applications. These are mobile versions of online banking or payment companies. They are distinguished by convenient functionality, free maintenance and additional features, for example, printing out transaction history.

Transferring funds using a mobile application is an online transfer that is credited to the supplier’s account from 1 minute to 24 hours. Fast payments are convenient for both the client and the bank: the payer instantly gets rid of the debt, and the intermediary receives a commission.

Most banks charge less commission when using smartphone applications than when paying in a bank office: from 0.5% to 2%. For example, when making payments in the mobile version of Sberbank Online, the maximum commission is 1%, and when paying for housing and communal services in a bank office it reaches 3%.

Electronic money when paying for utilities

WebMoney, QIWI or Yandex.Money have long ceased to be used only as an additional wallet. Electronic services are a great option for paying utility bills without commission.

Unlike banks and other payment acceptance companies, transferring funds using electronic wallets occurs almost instantly. In this case, the sender has confirmation of the transaction in the form of an electronic check. The document can be printed and used in case of disputes as proof of payment.

The convenience of the method is its versatility:

• Fast money transfer.
• Possibility of using a template for subsequent payments.
• Low commission - from 0% to 3%.
• Large number of service providers. In addition to the list of represented companies, the payer can independently add new payment details or transfer funds using specified parameters.

Internet banking for payment of housing and communal services

You can pay your utility bills conveniently and quickly using online banking. This is an online version of the company's office, which simplifies the procedure for transferring funds to the supplier's account.

Online banking is popular among clients of financial institutions who actively use plastic cards. To log into the system, you must enter your username and password, and transactions are confirmed using codes sent via SMS from the bank. Online banking also allows you to save templates and print receipts confirming payments.

Cooperation between housing and communal services companies and banks allows clients to make payments regularly and without commissions. This is beneficial for users who have not decided where to pay for utilities without additional expenses for the budget.

The disadvantage of online banks is the possibility of unauthorized access to card data: if clients have lost or voluntarily transferred their passwords to third parties, fraudsters can use the funds in the owner’s accounts.

Every homeowner should know how to pay for utilities, payment deadlines, and the consequences of non-payment or late payment.

Only when the homeowner pays the rent on time will he be provided with a full range of utility services.

Important! If he refuses to pay bills or does it carelessly, water and sewerage may be turned off, as well as the provision of other public services may be suspended.

What utilities need to be paid for, and in what order this should be done, is regulated by the relevant provisions of the Housing Code of the Russian Federation, while according to Article 153, payment for these services is the direct responsibility of the owner of the residential premises.

The total amount of paid utilities includes payments: for the supply of electricity, for thermal energy, for gas supply, for sewerage, for the supply of cold and hot water

Currently, this type of payment includes current repairs and maintenance of housing; public utilities; major renovation of the building.

The total amount of paid utilities includes payments:

• for the supply of electricity;
• for thermal energy;
• for gas supply;
• for drainage;
• for the supply of cold and hot water.

Moreover, if the apartment is rented out, the tenant does not pay, utilities are paid by the owner, which must be established by an agreement concluded between them.

The Housing Code sets the deadline for making payments - until the 10th day of each month

The Housing Code also establishes a deadline for making payments - until the 10th day of each month. The basis for payment is the corresponding receipt addressed to the owner of the residential premises from the management organization.

Important! In the event that the owner does not pay for utilities or delays making payments, enforcement action may be taken.

For example, a management organization has the right to limit the provision of utilities to a defaulter or refuse to provide them altogether. In addition, it is possible to recover the amount of unpaid invoices in court, along with penalties and fines for late payment.

It is possible to recover the amount of unpaid invoices in court, along with penalties and fines for late payment

Many residential property owners ask whether they need to pay utilities for a second apartment or house. There is only one answer here - yes. The fact is that the current legislation does not exempt the owner of a residential premises from paying for utilities if he does not live in it. Thus, even if your apartment is empty, you will still have to make some payments for its maintenance.

It is also worth knowing that existing benefits for utility bills must be confirmed by relevant documents: certificates, decisions, extracts from regulations. In this case, first payment for the service is made, and then its amount is compensated to the beneficiary within the framework of subsidies provided by the state.

It is worth knowing that existing benefits for utility bills must be confirmed by relevant documents: certificates, decisions, extracts from regulations

Main methods of paying utility bills

Despite the fact that paying for an apartment is a completely natural and understandable procedure, many home owners and members of their families sometimes simply do not know where and how to pay for utilities with a minimum fee and without queues. The thing is that recently completely new payment methods have appeared, which are not understandable to all representatives of the older generation. In connection with this circumstance, when asked where to pay for utilities, they usually answer that this needs to be done at the housing office cash desk.

ATM for paying utility bills

This statement is partially true, since payments through the cash desk of a management company or a multifunctional center are made by the majority of tenants, but recently payments directly to the organization that provides you with certain types of services have become increasingly common. Therefore, it will be possible to answer the question of where to pay utility bills only after you carefully study the receipts that arrive in your mailbox. Otherwise, you may make a mistake and make a payment in favor of the wrong person.

Despite the fact that many citizens believe that it is best to pay utility bills in cash, almost all management companies and specialized organizations also accept non-cash payments. Therefore, you should not save and put aside cash by the end of the month, but rather pay immediately after receiving the receipt. This will avoid the imposition of fines for late payments by companies operating in the housing and communal services sector.

Internet banking for utility payments

If we consider directly the ways to pay for utilities, they can be divided into main groups:

• cash;
• non-cash.

The group of cash payment methods includes payments made at the cash desks of the management company and resource supply organizations, as well as at Russian Post branches. Such payments are known to most citizens and are available even to elderly homeowners. Moreover, if you pay rent at the cash desk of the management company, you can simultaneously resolve some issues, for example, how to pay utilities in a communal apartment.

Mobile bank for paying utility bills

As for non-cash payments, you can use modern methods, this group includes:

• ATM;
• blitz payment;
• Internet banking;
• mobile banking;
• electronic money.

These types of payments are preferred by young people who understand modern technologies.

Electronic money for paying utility bills

Thanks to them, you don’t have to visit the cash registers and accounting departments of housing departments or resource supply organizations.

Cash payments for housing and communal services

If we analyze in detail payments for housing and communal services using cash, then the first answer to the question of where to pay for utilities will be the cash desk of a housing office or multifunctional center. In addition, you can pay for receipts at Russian Post. But Sberbank, which for many years accepted these types of payments in cash, has recently switched to non-cash forms of work and has not accepted such payments for a long time.

If we analyze in detail payments for housing and communal services using cash, then the first answer to the question of where to pay for utilities will be the cash desk of a housing office or multifunctional center

This type of payment is perfect for those who do not know how to pay for utilities without using cash. In addition, it allows you to do this on time and does not depend on power outages and computer program failures. It is also very important that payments made in this way are immediately transferred to the account of the recipient organization. As a result, you do not incur debt to resource supply organizations and the management company.

Payment for utilities at the Russian Post office

The disadvantages of this method include the presence of long queues at places where payments for housing and utility services are accepted, as well as the slow progress of such a queue, since payers can pay several receipts at once. In addition, Russian Post may charge a percentage for this service (1.5% of the amount). This is important for those citizens who are worried about how to pay less for utilities.

Terminal for payment of utilities

Separately, it is worth mentioning payments using a payment terminal. This device resembles an ordinary ATM in appearance, only payment here is made using cash sent to a special bill acceptor. As a result, you do not visit the cash desks of specialized organizations and still pay in cash.

The advantage of this payment method is a significant time saving, since usually there are no queues at the terminals and they operate around the clock and on weekends. In addition, you receive a bank check and not another document, which is important in case of any conflicts regarding utility payments.

The owner of a payment terminal can charge a very significant commission for payments made through it.

One of the disadvantages is that the machine does not take or give out coins, but only accepts bills. As a result, you have to overpay. In addition, the owner of a payment terminal can charge a very significant commission for payments made through it.

Non-cash payments for utilities

Non-cash payments for utilities are of interest to those payers who know how to pay for utilities via the Internet. The fact is that most of these payments occur precisely through the use of World Wide Web resources. Their advantages include the fact that you can pay without visiting the cash desk of the management company or resource supply organizations, while being, for example, at home.

Payment of utilities via the Internet

So, for example, many banks provide their clients with such a service as Internet banking. It is a clear example of how to pay for utilities via the Internet. To do this, you will need to obtain a login and password for your personal account on the bank’s website using a bank card. With their help, you can log into it, pay the necessary amounts from a card or your bank account.

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

What it is?

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

What are they doing?

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

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

How to determine debt?

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

Payment of housing and communal services via personal account

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

Payment of utility services without commission

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

Payment for housing and communal services through online Sber-Bank

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

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