Moscow branches of Sberbank will begin to charge consumers a commission for utilities from May 1. The service provider, who had previously paid the interest, passed the payment onto the residents. Now, when paying bills through the Sberbank cash desk, the commission will be 3% of the payment amount.
The capital's branches of Sberbank will begin charging a commission for the transfer of funds to pay for housing and communal services from May 1, the head of the press center of the Moscow branch of Sberbank, Yulia Shelegova, told Infox.ru.
“If the client pays through an operator, the commission will be 3%,” she said. “But there is a real opportunity to save by paying about 1% through remote service channels.” She added that the bank is now actively reorienting payers to remote channels: the Sberbank Online system, mobile banking, ATM or terminal, as well as long-term orders. “For people who, for whatever reason, do not want to master technical means of payment, we suggest that they come to the bank once and write an application to pay utility bills through long-term orders: payments will be automatically made by the bank from the client’s account,” Shelegova said.
According to her, more than 100 thousand Muscovites now use this form of payment for utility services. More than 225 thousand
Why do we pay a commission when paying for housing and communal services?
clients have been chosen. “By the end of the year, we plan to increase their number to 750 thousand,” added the head of the press service. “We will also significantly increase the number of ATMs - from 1.7 to 2.05 thousand, and the number of information and payment terminals will be increased from 455 to 1 thousand by the end of the year.”
Before this, the commission was paid to the bank by service providers, and the difference was included in the tariff. In the spring of 2009, the Moscow government decided to remove commissions from the tariff; it came into force this year. “According to the agreement with the GUIS of Moscow, the commission was not charged at the time of payment from the payer, but was taken under an agreement with the supplier at the time the bank transferred funds for utility payments to him. This year, the Moscow government transferred the payment of bank commissions from service providers to the consumer,” said the head of the press service.
Interest rates have increased
“The bank still takes a 3 percent commission for all transfers, with the exception of transfers to those organizations with which the bank has entered into agreements,” one of the Moscow branches of Sberbank told Infox.ru. — If you are not paying a commission now, it means that the supplier is paying it. In case of termination of the contract, the consumer will be forced to pay the 3% commission personally.” They added that now this commission is visible in payments for kindergarten.
In theory, after the removal of the bank commission from the tariff, residents of the capital will have the opportunity to independently choose whether to pay utility bills at the bank with a commission or go to a cash settlement center, where interest is not charged. For example, in post offices such a service is 1% of the payment amount.
However, the government did not take into account that for consumers the percentage will be much higher than for the supplier. If previously, according to the agreement with the supplier, residents paid about 1.9% or less, depending on the agreement, now the commission increases to 3%. In addition, paying for utilities at Sberbank, which has a wide network of branches throughout Moscow and the region, is simply more convenient for many. But due to the introduction of an increased commission, residents may refuse banking services when paying for housing and communal services.
Commission for a large amount
Basically, cardholders today do not even think about whether additional money will be withdrawn or not, especially if they have a debit card. When you receive money from a Sberbank card of the same name at an ATM, you usually do not charge interest. However, unfortunately, this has rather become an exception to the rule.
So, even from an ATM of the same name you will have to leave a commission when withdrawing a large amount of money. So, if you need to receive 300,000 rubles at once, then you pay an additional 0.5%. But here you also need to take into account the map itself. Depending on its “status,” the limit that can be received per day also varies. In simple options, if you exceed 150,000 rubles per month, a commission will also be charged.
We recommend
That is, each resident will be able to find out how much he needs to pay or how much credit is left on his number. At the same time, having learned how to check debts, you can pay them there too. Thus, through a personal number, citizens will be able to control their own expenses for utility services. This becomes especially relevant due to the fact that many utility providers very often abuse and unreasonably inflate the cost of services. Dividing a personal account for payment of utilities So, how to divide a personal account? In certain cases, residents of the same residential premises can share utility costs not only within the same receipt, but also split the utility bill altogether. A division is made so that each resident pays separately.
Living in Moscow (checking and paying debts)
- High commissions. Intermediary sites do charge fees, so use specialized utility payment systems.
- With careful study, everyone will choose the most profitable way to pay for utilities. For the older generation, which is not particularly proficient in computer and Internet technologies, it is of course more common to pay through a bank, but the younger and younger generation are happy to use online services without leaving home or without leaving their workplace.
Since 2019, residents of the region began to be charged interest for paying utility bills.
The state obliged Russians to pay their own fees when paying for utility services back in 2013 on the basis of Federal Law 161 “On the National Payment System.” And in many regions, residents paid this commission.
But for most Belgorod residents this innovation came as a complete surprise.
An unpleasant surprise
In most cases, people were presented with a fait accompli on January 11: this was not reported in advance, neither in the payments, nor in the Criminal Code, nor in the announcements at the entrances. With rare exceptions.
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Attention: The problem of large queues is also relevant when choosing this option. At the post office, clients are charged a commission fee. Info
This method is only suitable for those who own a plastic card. Interest rates at ATMs are minimal. There are banks where the interest rate for their clients is zero.
ATMs operate around the clock, which means payments can be made at any time of the day. The number of people in line is almost reduced to a minimum. Please note that ATMs of not all banks offer this service.
- Terminal. This method is identical to the ATM option with the slight difference that the amount is deposited into the device in cash.
Terminals are located at every step: in shopping centers, large stores, and gas stations. The negative side of this method is that change is not given. The remaining amount will be credited to the next month's bill.
Cash withdrawal
In addition to what commission the bank charges for paying various receipts, citizens are also interested in such a pressing issue as cash withdrawal. Not in all situations it is possible to pay using a plastic card. Therefore, sometimes there is a need to get cash from it, and you also need to know whether the operation is free or interest is charged for it.
However, answering this question is not so simple. There are many nuances that need to be taken into account. For example, one option is when they withdraw money from a Sberbank ATM using its own card, and a completely different one when the card belongs to one of the bank’s partners.
How to pay utility bills online?
The fact is that housing legislation prohibits state tenants. dwellings to enter into any agreements with each other or with third parties. For this reason, some complexity arises. At the same time, housing legislation establishes the right of each tenant to pay only for the utility services consumed by him.
Important
For this reason, social workers.
dwellings can also share their utility costs. However, this is done by agreement with government officials.
organs.
The owners, in turn, have the right at any time to enter into an agreement among themselves, by which they certify the fact of sharing the burden of paying for utilities. After signing, such an agreement must be submitted to the authorized utility organization, which, from the moment of acceptance, will begin to charge each resident a utility bill separately, in accordance with the provisions of the above agreement.
Utility payment
The system automatically transfers funds from a bank account or from an electronic wallet to a personal account. After this, you don’t have to worry about utility bills until the amount in your personal account is exhausted.
However, in general the procedure is similar. The most simplified method of payment is through a Yandex electronic wallet or through Sberbank Internet banking. As a rule, these financial institutions work together with utility organizations to account for debts on utility bills.
Payment Methods
Today there are two types of receipts for housing and communal services payments. One receipt includes all utility costs (this form is often used by HOAs), and the second consists of 4 separate bills. This does not change the cost of the commission; it’s just that with the second option, the payment procedure will need to be carried out 4-5 times (separately for gas, for water, for heating and electricity).
Major repairs may be included in the receipt; as a rule, the amount is issued as a separate payment. This service also relates to housing and communal services and requires a monthly payment. A separate account is created for payments for major repairs, so when making payments you need to carefully monitor the correctness of the entered data: erroneous amounts will not be refunded.
The size of the commission in Sberbank depends on the payment method
Among the payment methods for utility services are:
- online banking;
- cash register;
- ATM.
We pay online
Transfer of payment for housing and communal services through the online banking system is available only to registered users. The procedure for transferring money is as follows:
- you need to obtain a login to enter your account - at an ATM through the “Information and Service” menu or directly on the Sberbank website using the card number and the mobile phone number linked to it;
- enter the data in the appropriate window on the website and log in to your account;
- go to the “Cards” tab, click on the instrument from which the payment will be made, and select “Organization Transfer” (this menu item is always used when paying a legal entity’s invoice);
- in the newly appeared form, you must enter the basic information from the receipt, carefully check the ownership of the account and data about the payer, in particular, the personal account;
- confirm the operation using the code from SMS.
Once confirmed, the operation cannot be canceled
. The amount will be automatically debited from the selected account with a commission.
After payment is completed, you can create a template using the “Create Template” button. To register, you need to come up with a name for the template and in the future, if you need to pay, you will not need to enter the organization’s data in full.
Let's go to the cashier
Payment through the cash register is a longer procedure,
If with the previous option the funds are transferred instantly, then when transferring through the cash register the period may be 2-3 business days. In addition, the commission is higher at the box office. To pay, you will need a receipt and the payer's passport.
We use the terminal
It’s easiest to pay through the terminal, since each receipt is equipped with a special code that the device reads and automatically fills in the details. The payer only needs to enter the amount, money and confirm the transaction. The disadvantage is the need to deposit one bill at a time if you do not have a Sberbank card, and also that such devices do not give out change - it can be transferred to a mobile phone.
When paying through the cash register, the largest commission is charged
Housing and communal services: payment of utilities through the payer’s personal account
If you want to find out how to solve your particular problem, please contact the online consultant form on the right or call the free consultation numbers: You can find out whether you need to pay for major repairs of an apartment building from our article.
All possible methods When choosing a payment method, it is important to know what interest is charged and when the payment will be delivered:
- Bank cash desk. Payment through the cash register is the most well-known method. Many banks provide this service.
Moreover, when choosing this method, the interest for servicing is quite large. The exception is a small number of banks that offer zero commission to their clients.Another disadvantage of this method is that you can end up in a huge queue among the same payers.
- Post office.
Payment for services
There are no fees charged at all for some receipts. These include the following services.
- There is no need to pay extra when you top up your or any other mobile phone number. This can be easily implemented either through Sberbank online, mobile banking or an ATM.
- As for housing and communal services, whether the operation is paid or free depends on the relationships that have been established and the utility organizations with Sberbank. Payments can also be made in different modes (online, at the cash register or at the post office).
- With regard to payment for television services, the same procedure applies as in the case of housing and communal services.
- But for receipts for traffic police fines, the operator can charge from 2% to 3%, but if you issue the same through the terminal, the rate will drop to 1% - 2%.
- All taxes are carried out by Sberbank free of charge, regardless of how it is implemented. Payments can be transferred using the previous method, as well as by downloading a special application on your mobile device. However, in addition to paying through the cash register, the tax can only be paid if the citizen is a client of Sberbank and has the appropriate card. When using the method through Sberbank-online, payment can be made free of charge or a commission of up to 1% will be charged. One way or another, it will not be higher than 500 rubles.
There is also an AutoPay app. It is used to pay for mobile communications and housing and communal services.
Who should pay the bank commission when paying for utilities?
All information is saved in your personal account; if necessary, you can see at any time when funds were credited and in what amount.
Through the “Rapida” system On the website https://www.rapida.ru, the user can make payments on utility bills; to do this, they must have funds on their balance sheet, as well as a “Rapida” plastic card. Actions:
- Log in to the site.
- Select “Rapida Online”.
- Next is “Utility Payments”.
- Select the payment recipient and check his details.
- Pay.
- Save or print the receipt.
Through the "Payment" system. ru" The website https://www.oplata.ru also makes payments within the framework of housing and communal services for the population.
Interest on paying bills through Sberbank: repayment methods
It is very important to pay your receipts on time. This is provided for by the Housing Code of the Russian Federation, namely Article 155. Payment must be made no later than the 10th of the next month. Every month, payers receive corresponding receipts, which contain all the information about the debt. Its size is established in accordance with Article 157 of the Housing Code of the Russian Federation.
Today, Russian citizens have the opportunity to pay receipts at Sberbank in the following ways:
- through a cash desk at any bank branch;
- through terminals or ATMs;
- through your personal account in the Sberbank Online system;
- through a mobile application;
- by setting up auto payment in advance.
Commission amount
Any of these payment methods requires payment of a certain commission. The most unprofitable way is to pay off debt through the cash register. The commission there is 3%. When using a terminal or ATM, it is slightly lower - 2%. A more profitable method is auto payment. There the commission is 1%.
Payment via cash register
Until recently, this method was the only one. Its undoubted advantage is that payment is made specifically for the amount indicated on the receipt. The operator hands over change if necessary. To pay off debt in this way you must:
- Taking the receipt, go to the nearest Sberbank branch.
- Get in line at any of the ticket offices. If provided, you must take a ticket through a special electronic system.
- Give the cashier the receipt and money. In this case, he will have to issue a receipt indicating the exact date of the transaction and affixing a stamp.
Today, receipts are mostly paid through the cash register by pensioners due to the fact that they do not know how to work with electronic systems.
The disadvantages of the system include the highest commission, long waits in queues and rather long service due to the fact that the cashier performs all actions manually.
Payment via terminal
A person can pay the receipt independently through the terminal. You can use your own card or cash. Pay for 1 service at a time in the amount of more than 15 thousand rubles.
To work with the terminal you will need the receipt itself. It has a special barcode that must be brought to the terminal. All information will be read by him using a special scanner.
To pay a receipt through the terminal, you need:
- Insert card (if payment is made in cash, this step is skipped).
- In the menu, find the “Utility Payments” item.
- Select the organization providing the service through which the payment is made.
- Present the receipt to the reading device or manually enter your own personal account number.
- Information about the payer will be displayed, including the latest readings and the amount of debt, if about us. In this window, you need to check the information for compliance and enter new readings along with the deposited amount.
- Click "Pay".
- If payment is made by card, the specified amount is debited from the account. If you are depositing money, you must place cash in the bill acceptor. Remember that terminals do not give change!
- Next, the terminal will print a receipt.
Consultation with the Federal Antimonopoly Service: how to pay for utilities without commission
12/21/2016 18:12, Pskov region, RegionFAS.ru:
The department continues to receive requests regarding the legality of charging a commission when paying receipts for housing and communal services in post offices and banks in the city of Pskov and the region.
The current legislation in this area establishes the following.
In accordance with paragraph 63 of the “Rules for the provision of utility services to owners and users of premises in apartment buildings and residential buildings,” approved by Decree of the Government of the Russian Federation dated May 6, 2011 No. 354, consumers are required to pay utility bills on time.
a payment agent or bank payment agent acting on his behalf
According to the basic concepts given in Article 2 of the Federal Law of June 3, 2009 No. 103-FZ “On the activities of accepting payments from individuals carried out by payment agents” (hereinafter referred to as Law No. 103-FZ), a payment agent is a legal entity, with the exception of a credit organization , or an individual entrepreneur engaged in accepting payments from individuals.
In accordance with Article 3 of Law No. 103-FZ, the activity of accepting payments from individuals (hereinafter referred to as payment acceptance) is the acceptance by a payment agent from the payer of funds aimed at fulfilling monetary obligations to the supplier for payment for goods (works, services), including including payment for residential premises and utilities in accordance with the Housing Code of the Russian Federation, as well as subsequent settlements with the supplier by the paying agent.
In accordance with paragraph 2 of Article 3 of Law No. 103-FZ, when accepting payments, the paying agent has the right to charge the payer a fee in the amount determined by the agreement between the paying agent and the payer.
Based on Articles 1, 5, 29 of the Federal Law of December 2, 1990 No. 395-1 “On Banks and Banking Activities,” the service of transferring funds from individuals from their account or without opening an account in favor of legal entities is a banking operation and is provided by the bank on on a paid basis.
In connection with the receipt of requests from citizens regarding the validity of charging a commission when accepting payments, the Pskov OFAS Russia conducted an analysis of the market for accepting payments from the population for utility services. According to the results of the analysis, the dominant position in this market is occupied by FSUE Russian Post. None of the banks operating in the Pskov region has a dominant position and, therefore, is not subject to antimonopoly legislation.
Due to the presence of signs of violation of antimonopoly legislation, provided for in paragraph 6 of part 1 of article 10 of the Federal Law of July 26, 2006 No. 135-FZ “On the Protection of Competition”, expressed in the economically, technologically and otherwise unjustified establishment of different prices (tariffs) for the same product - tariffs for accepting utility payments from the population to third parties, not provided for by current legislation, which led to an unreasonable increase in payments for an indefinite number of consumers, the Pskov OFAS Russia issued a warning to the Federal Postal Service Administration of the Pskov Region - branch of the federal state unitary enterprise "Russian Post" on the need to terminate these actions by establishing a single tariff (in percentage terms) for accepting utility payments from the population to housing and communal services organizations and resource supply organizations, no more than 2%, excluding the restriction for accepting receipts in ruble terms, by December 23, 2020
In case of failure to comply with this warning, a case will be initiated for violation of antimonopoly legislation against the Federal State Unitary Enterprise "Russian Post". If a violation is found, penalties will follow.
And yet, the question posed in the title can be answered that it is possible to pay utility bills without a commission or with a low interest rate.
Thus, according to messages from service providers, here is a list of addresses in the city of Pskov at which payments from the public are accepted without commission:
— MP Pskov “Pskov Heating Networks”: Pskov, st. Sportivnaya, 5a;
- MP of the city of Pskov “Gorvodokanal”: Pskov, st. Soviet Army, 49A;
— OJSC “Pskovenergosbyt”: Pskov, st. Staro-Tekstilnaya, 32, Pskov, st. Sovetskaya, 29, as well as through the website of Pskovenergosbyt OJSC at: https://www.pskovenergosbit/onlinepay/.
In banking institutions
Using other cards
Situations arise when you need to receive money through a Sberbank terminal using a plastic card from another bank. Then the commission of any bank will be from 2% to 3%, and the minimum amount is set for each of them individually. This information can be obtained from your bank. Also, in addition to the commission, some cards have limits beyond which you simply cannot withdraw money.
Another operation that may be required is to transfer money from a Sberbank card to a card or account of another bank. This can be done through the terminal, on the Internet using the Sberbank service - online or directly at the branch. In this case, the operations that determine what commission Sberbank will charge may be as follows.
- Payments in foreign currency or rubles.
- Through account or in cash.
- One of the ways is on the Internet, at an ATM or at a cash register.
- In the city or outside it.
- Your own or another person's account.
- To the account of a legal entity with which Sberbank has or does not have agreements.
For transferred payments in rubles and relating to individuals, the commission may be as follows:
- An amount of no more than 30 thousand rubles is transferred from the card to the number, through online banking, the commission is 1.5%;
- from an account to another account it will be 2%, and if the operation is carried out through the Personal Account, then 1%;
- Sberbank charges a commission at different rates for cash transfers (1.75% through your card, 2% when sending a transfer to the card of another banking organization).
The amount also depends on other parameters. Therefore, if you are about to carry out some operation for the first time, you can contact the organization’s contact center. But in any case, the commission will be less than the one that will be charged when paying through the cash register.
How not to overpay: Sberbank commission when paying housing and communal services receipts
Pskov commission payments vary. So, they are: in Sberbank PJSC - through the Sberbank-Online system - 1%, through the operator - 2% of the transfer amount; PJSC "Baltic Bank" - 1.0% of the transfer amount; OJSC "Gazenergobank" in favor of the municipal enterprise of Pskov "Gorvodokanal", OJSC "Pskovenergosbyt", OJSC "Pskov GTS", JSC "Gazprom Mezhregiongaz" - payments are accepted without commission, in other banks - from 1.5 to 3% of the amount translation.
Accepting housing and utility payments, paying bills and receipts for housing and communal services, payments for electricity, paying rent - often comes down to visiting the nearest bank branch or payment acceptance point, which is associated with queues and filling out long chains of numbers in the receipt for payment.
Payment for housing and communal services in Sberbank online
The most modern and economical in terms of finances and time costs for 2020 is the use of Internet banking. The commission at Sberbank for paying housing and communal services receipts through the Sberbank-online web structure is only one percent. In addition, you can make payments at any time of the day or night, without leaving your home. All that is needed to use this option is the presence of the Internet and an electronic device with stable access. In addition, you need to be registered in the system.
To pay for utilities online, you need:
- Log in to Sberbank online using your personal login and password.
- Click on the Transfers and Payments section.
- Select the desired item at the bottom of the window.
- Click on the organization serving the residential premises.
- Enter the requested data.
- Make a payment.
How to pay utility bills without entering payment details
Using Internet banking, the commission at Sberbank for paying a receipt in 2020 is significantly reduced. Recently, the company released a mobile application that allows utilities to conduct transactions.
Don't cheat
That is why the opportunity to pay for housing and communal services via the Internet seems very attractive, especially for busy people who know how to value their time.
In this article, we will look at options for opting for the services of our HOA via the Internet.
Pros and cons of paying for housing and communal services via the Internet Something about the advantages of this method of payment with utilities has already been said above - this is a significant time saving. But, in addition, by paying housing and communal services online you can also win money - some banks, for example Sberbank, charge a significantly lower commission for such operations than when paying directly at a branch. On the other hand, when making an electronic payment, unlike a “live” one, the payer does not have any documents in his hands, therefore, if the money does not reach the addressee for some reason or is “lost” in transit (and such situations - not so uncommon in the public utilities sector), problems may arise. Fortunately, these problems are not difficult to solve - but in this case, you will still have to come to the bank for a statement confirming the fact of the money transfer. Thus, the advantages of online payment for housing and communal services definitely outweigh their disadvantages. However, according to 2013 statistics, the share of “network” payers is not that large – about 13% of the total. At the same time, it is enough to remember that other options for building financial relationships using the Internet did not immediately become widespread - purchasing goods, ordering tickets and other things familiar to modern people a dozen years ago were absolutely unclaimed by the majority of consumers.
So, we list the options for paying for the services of our HOA via the Internet (if you know any other options, please let us know):
URALSIB|INTERNET-BANK - Transfers using VISA, MasterCard, American Express, UEC cards.
To pay for services, you need to go to the all tab on the bank’s website, enter the name of our HOA and click search. In the drop-down list, select our HOA (TIN: 5039010264) and follow the instructions to make a payment.
Commission: 1% Minimum transaction amount: 10.00 rub.
Pay via URALSIB
CITY PAYMENTS: payment for housing and communal services online and without registration
To pay for services, you must enter the Taxpayer Identification Number (TIN) of our HOA (TIN: 5039010264) on the service’s website and follow the instructions in the window that opens to make the payment.
Commission: 2%, but not less than 30 rubles. Enrollment period: 2-3 working days
Pay via CITY PAYMENTS
Sberbank Online: Instantly and without commission pay for the services of any mobile operators, housing and communal services, Internet and cable television
To pay for services, you must be registered in the bank's service and follow the instructions to create a template with the details of our HOA and subsequently make payments using this template.
Pay through SBERBANK ONLINE
In the near future, banks will charge a commission fee for utility payments. Each bank sets its own commission amount. At Sberbank we are talking about 3% of the payment amount. Previously, as reported by Sberbank, this service was paid for by the utilities themselves. To save money, city residents will either have to personally enter into contracts with service providers or master remote payment methods.
As it turned out, Sberbank , like all other banks that accepted utility services, always charged a commission. But previously this commission was paid not by consumers, but by utility providers. The commission was included in contracts with housing offices, gas services, water utilities, and so on, said the head of the press center of the Moscow bank Sberbank Yulia Shelegova . Today, a decision has been made to transfer the payment of commission fees to the bank from the service provider to the end consumer. So from now on, if utility payments are carried out with the help of the tellers of a Sberbank branch, it will cost 3%, Vesti FM reports.
Another version of the emergence of a three percent burden on citizens: previously, all contracts with utility service providers were concluded by the Bank of Moscow. All payments from consumers were made through the account of this bank. He compensated the three percent commission to the receiving banks, General Director Irina Malikova explained to the media. In particular, printing costs. Now the Bank of Moscow has decided that this is an unbearable burden for it and has shifted the banking commission onto the shoulders of citizens. Utility companies have also tried to negotiate a reduction in the commission with Sberbank, but so far the bank is not meeting halfway, Mikhail Rybalchenko, head of the self-regulatory organization in the field of real estate management in Moscow “Garantiya”, first deputy head of the department of housing, communal services and improvement of Moscow, told Gazeta. He focused on the fact that now the Moscow structural branches of Sberbank have undergone changes, and it has become more difficult to negotiate with them. But there is hope that as a result of negotiations between city authorities and bankers, the commission on utility bills will be reduced by 1-1.5%.
However, Sberbank does not know about the scheme of interaction with the Bank of Moscow and claims that they previously received commissions from service providers. There were no comments from official representatives of the Bank of Moscow.
one way or another, now citizens themselves will have to pay for banking services. The commission can be reduced if you use modern payment methods, for example, ATMs and bank information and payment terminals. Then you will have to pay for banking services, according to preliminary data, 1%. You can also come to the bank and enter into an agreement with it to pay for utilities through long-term payment orders, so that the funds are automatically debited from the client’s account. True, this service is available only to those who do not have water and electricity meters. Whether a commission will be charged for this service is also unknown. Other banks already charge fees. So, for example, VTB-24 charges, as bank representatives say, “the minimum interest rate is 2.5.” But the size of the commission also varies depending on whether you pay through a bank branch or through remote service channels.
And if citizens find it difficult to master modern technologies, the Bank of Moscow offers them to contact the post office. If the post office has entered into an agreement directly with utility providers and in this agreement the suppliers agree to pay the payment acceptor, no commission will be charged. If there is no contract, there are no benefits for payment. You can save money in other ways. Owners can form a homeowners' association and enter into direct agreements with utility companies. But the number of HOAs (homeowners' associations) in our country is still very small, and organizing them is a very troublesome task.
Meanwhile, many Muscovites say that some branches have already been charging a 3% commission for paying for housing and communal services since March. In receipts for payment for housing and communal services for January it was already reported: “Based on the Decree of the Moscow Government of December 1, 2009 No. 1294-PP “On approval of prices, rates and tariffs for housing and communal services for the population for 2010” prices and tariffs for housing and communal services do not include commission fees charged by banks and payment systems for services for accepting these payments. When transferring payment for housing and communal services, a commission is collected by the bank from the payer.” This is followed by a list of eight banks, where Sberbank is in the lead with 3%, writes Gazeta.
Meanwhile, Chairman of the Federation Council Sergei Mironov sharply criticized Sberbank's decision to charge citizens a bank commission of 3% for transferring funds to pay for housing and communal services, which the bank justifies with a corresponding decision of the Moscow government, RBC reports. “I’ll say, using an unparliamentary word, they’ve gone crazy,” the head of the Federation Council told reporters. According to him, against the backdrop of the fact that the country is already groaning from unaffordable utility bills, and when there is a campaign to reduce tariffs by almost a quarter, introducing any additional fees is madness.
How to pay a debt on a receipt
Each Sberbank client can use any of the proposed methods of paying bills:
- Through the operator
. This is the simplest method that people who are far from computers and portable devices prefer to use. To pay the receipt, you must visit the branch, take a coupon and go to the employee’s window in the order of your turn. You give the specialist the form and make payment in cash or by bank card. In return, the operator issues a check and change if payment was made in cash. The disadvantage of this method is the waste of time visiting the department and waiting in line. - Via an ATM (terminal)
. You can carry out a transaction in this way only through a bank card. The plastic must be inserted into the ATM, go to the bill payment department, open the “Utility Payments” tab, select the counterparty and read the barcode on the receipt through a special scanner. - In the personal account of the Sberbank Online service
. To download the site, you need a portable device or computer with Internet access. The owner of the account needs to log in to the system, go to the “Payments and Transfers” section, indicate the type of transaction, find the management company and verify the details. The next step is to select the card from which the money will be debited and enter the code received on the phone to confirm consent. - Using an application for mobile devices
. The functions of this small program are similar to the Sberbank Online service, so all actions for paying bills are similar.
Every citizen can close any account through an operator, but all other methods are available only to holders of Sberbank plastic cards. At the same time, non-cash payment of a receipt is cheaper than carrying out the transaction during a personal visit to the branch. The difference can reach 1-2% of the payment amount. . In order to pay for utilities and cellular operator services on the due date, you can use the auto payment service. You can connect this option through an application or online service absolutely free.
Popular money transfers:
| Rating | Translation option | Details |
| 1 | Sberbank card is the most popular | 0% for transfers in one region 1% for transfers to another region |
| 2 | Yandex Money quickly and conveniently | 0.5% for transfers between wallets from 0-3% for other transfers and payments |
| 3 | Zolotaya Korona cannot do without commissions | On average 1% per transfer |
| 4 | Russian Post queues and queues again | From 1% to 5% depending on the type of transfer |
You can find information about other translations here
Most Russians prefer to pay their bills for communications, television, housing and communal services and other services the old-fashioned way, i.e. at the cash desk at the Post Office or at a bank branch. At the same time, the question quite often arises: what commission is charged for making such a payment?
The percentage depends on the region and the recipient of the transfer. All specific tariffs can be viewed in the directory in the “Money transfers” section by opening the region you need on the bank’s website, as well as using this link.
We will look at the general numbers for everyone, and focus on some ranges.
- You can pay for the services of mobile operators completely free of charge, replenishing both your and any other (spouse, child, parents) phone number. This can be done through any remote communication channel: mobile banking, ATM, Sberbank online.
- Payment for housing and communal services. Such payments can be made either through a cashier or remotely. It is important to consider here that the commission depends on the contractual relationship between the bank and the utility company.
- Telecommunications services. Both the payment procedure and the commission are similar to payment for housing and communal services.
- Traffic police fines. Such a service will cost 2-3% through an operator or 1-2% through a self-service device.
- The bank makes tax payments free of charge. Should not be confused with non-tax payments to the budget or extra-budgetary funds.
