How to pay rent through Sberbank Online

What housing and communal services are paid for in Sberbank Online?

Living in an apartment, private house or country house is not complete without providing comfortable conditions. The utility services provided cover diverse segments. The list has grown to include payments for:

• consumed electricity;
• water supply and sewerage;
• gas and heat supplies;
• rent;
• telephone, internet and digital television;
• management company services;
• repair work;
• intercom operation;
• waste and garbage removal;
• surveillance and security;
• car parking;
• Garden community.

A full list of services is available in your personal account. You will need to find the transfers and payments tab and go to the “Organization transfer” item.

Cooperation with Sberbank allows you to simplify the process of paying for utilities. The payer will have to:

• study the financial institution’s proposals for opening an account;
• get a bank card that adds repayment options;
• register a personal account and install the mobile application on your smartphone;
• familiarize yourself with the procedure before paying bills for an apartment, taking into account the services provided.

Expert opinion

Alexander Ivanovich

Financial expert

When you first visit your account, you will be sent a one-time password. You should come up with a more complex combination and replace the code at least once a year.

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Advantages of paying utility bills through Sberbank Online

The Sberbank-Online service has its advantages over conventional payment methods. Among the main ones it should be noted:

• speed . All payments are made instantly. You don’t need to waste time traveling to the bank and you don’t have to wait until it’s your turn. Thus, having made the payment in just a few minutes;
• no commission . Making payments online allows you to avoid the accrual of additional interest, which can be considered a definite benefit;
• convenience . Pay regardless of whether it is day or night. Also make money transfers anywhere in the country.

In addition, the application allows you to create a transaction template so as not to constantly enter the same data. In the future, using the template will reduce time and make payments for utility services even faster.

Watch a video about how to pay utility bills through Sberbank Online:

Commission amount

Remote services completely eliminate queues. Payment is made from your phone or computer at any free hour. You will have to pay for convenience; you won’t be able to do anything without a commission.

1. Transfers through your account or using a smartphone are subject to a 1 percent commission.
2. The same amount (1%) is withheld when transferring funds via a plastic card.
3. Depositing cash at self-service machines will increase the rate to 2 percent.
4. It is most expensive to pay at the office cash desk. The minimum amount starts at 30 rubles, the fee increases to 3 percent.

Online payment options are becoming the most productive and simplest. The procedure takes place in a matter of minutes.

What problems are encountered?

Let’s say right away that it is not always possible to pay for utilities, including electricity, through Sberbank Online. There are several reasons:

• Not all management companies are connected to the system. Sberbank is trying to expand the list and invites management companies to join the service.
• The list of HOAs in Sberbank - Online is completely limited to a few organizations. Partnerships are in no hurry to connect yet.
• Each region has separate service providers, and they also do not always quickly implement online payment.
• Some companies offer to pay through their own website or a special service.

Some providers are actively introducing their applications and organizing payments within them. Perhaps the situation will change in the coming years, and the list of management companies and resource supply organizations in Sberbank Online will increase significantly.

Step-by-step instructions for paying for services

The developed step-by-step instructions help you avoid delaying the process of paying for services. The procedure results in step-by-step steps with minor differences when filling out the information.

1. The name of the recipient company, TIN and current account numbering are first determined and rewritten.
2. In your personal account, click on the second tab of payments and transfers.
3. For the first time, the region and city are linked to the place of permanent residence. The choice of region is carried out through the section for payment for goods and services.
4. Find the housing and communal services and home telephone section. From the list that appears, you can determine the desired organization.
5. The absence of a company will lead to a search. The name, details and number of the taxpayer are recorded. Just look at the new receipt and rewrite the information.
6. Clicking next to the name will fill out the form. Details (TIN, BIC, current account) usually appear automatically.
7. There is a final verification of the information and familiarization with the established fee.
8. Confirmation will not be possible without a code sent to your phone.

How to return money sent by mistake through Sberbank online

Before carrying out the operation, it would not hurt to study the balance of the account selected for debiting. If there is insufficient funds, it is better to top it up from another account or e-wallet.

Water

Understanding the general procedure makes it easier to pay for services later. When deciding to pay for water:

• take the last unpaid receipt;
• in the account they reach the payment tab for purchases and services;
• click on the “Water supply” item;
• determine an individual personal and current account;
• record the numbering of the card selected for debiting funds;
• show counter data for 2 months (past and current);
• indicate the amount of debt;
• complete the transaction after rewriting the code from the SMS.

If desired, the receipt can be printed on a printer. Payment information will be saved in your account, the transaction status will allow you to track the transfer process.

Electricity

Similarly, you have to pay a receipt for the supply of light. Select the “Electricity” item from the Housing and Public Utilities tab:

• choose a payment method - by invoice or receipt;
• record meter readings;
• rewrite the amount from the receipt;
• make a confirmation.

Haste when filling is undesirable. One mistake will not allow you to repay the debt and will result in penalties.

Gas

Gas comes from the main pipeline or in liquefied form. Gas tanks are often installed in private homes. After receiving the receipt:

• go to the main page and go to the housing and communal services tab;
• the name of the required division is selected from the list of suppliers;
• find the area and indicate the personal account combination;
• details, address and amount are verified.

The end of the transaction requires confirmation with a one-time code. A successful translation will allow you to save the proven template.

Management company services

In the first place in the list of housing and communal services is the item of rent. In the future, when paying, you will:

• choose your management company;
• understand the type of service (rent or major repairs);
• Write down your personal account and amount.

How to recall a payment to Sberbank business online with the status completed?

In this simple way, all utility bills are paid off. It is mandatory to fill in the empty fields marked with an asterisk.

Registration in the Sberbank Online service

Now let's look at the process itself. So, first, let’s decide what exactly we need in Sberbank Online: a mobile version (for a smartphone) or we will work from a computer. Any smartphone has a “store” where you download all sorts of applications, the most common is Google Play, which is usually already installed on any Android phone.

Type “Sberbank Online” in the search and install the application, it will take a few minutes. Create a password, enter it, you're done. In the program that opens, you will see the main page and your cards, deposits, investments, pensions, loans, exchange rates.

There is even a map on which you can see where the nearest bank branch, ATM or terminal is located. The next section is “Payments”, with its help you can: make transfers to Sberbank clients, between your accounts, to another person (accounts in other banks are implied). Here you can pay for:

• mobile communications;
• Internet and TV;
• Housing and communal services and home telephone;
• taxes, duties, fines, budget payments;
• education;
• payment according to details;
• rest.

There is even a “Government Services” section where you can get an extract from the Pension Fund of the Russian Federation, apply for a pension at Sberbank, open a deposit for your business (a service for the self-employed) and make insurance payments on deposits.

There are several more sections in the Sberbank Online account: “Dialogues”, “History”, “Catalogue”, but today’s post is not about them, that’s for another time. Because at the top in the payments section there are also pop-up windows for automatic payments and automatic transfers.

There are windows with the names of services to which regular payments are made. The computer version looks more detailed, but they have the same functions, at least in terms of paying for housing and communal services.

The registration process on a computer also involves entering a login, but I think this will not be difficult for you, and you will additionally need to enter the code from the SMS to the specified phone number. The main page here is the same, but the “Transfers and Payments” section will be more extensive, and opportunities to engage in charity and social assistance will be added.

In addition, the subsections “Insurance and Investments”, “Recreation and Travel”, “Electronic Products and Entertainment” are included. I hope I have convinced you that the Sberbank Online application has great capabilities, and by using this service, you will save a lot of time, which is better to devote to more enjoyable activities than going through the authorities.

Features of payment via mobile application

Expert opinion

Alexander Ivanovich

Financial expert

Not having a laptop at hand will not prevent you from connecting mobile banking to repayments. The application allows you to enter an invoice manually or use a barcode after scanning.

Your actions should be as follows:

1. Log in to your account. Through payments and transfers, go to Housing and Communal Services.
2. Find the section you need from the list of services provided. Find out information about the possibility of using a barcode.
3. After clicking, the scanning program starts. Hold your smartphone camera close to the code for recognition.
4. Select a card to debit from your account and check the details in the payment slip.

The entered confirmation code must complete the transfer. Scanning is also carried out at Sberbank terminals.

Single payment document (SPD): definition

EPD is a receipt in which information about accrued payments for housing and communal services is entered. On the basis of a single payment document, citizens of the Russian Federation make payments to companies for supplied utility services.

With the help of the EPD, the utility service company records:

• full details of the service provider, identification number and other details;
• name of housing and communal services;
• information about the person obligated to pay for the services provided - full name, registration data and additional details;
• quantity of service consumed;
• tariffs established by law for housing and communal services, on the basis of which the actual cost of consumed utilities is calculated;
• billing period;
• benefits - if available;
• personal account of the payer of housing and communal services.

Paying utility bills through the Sberbank Online system in Moscow is convenient, fast and profitable.

Transfer from deposit

An open deposit is designed to accumulate funds in the account and generate income. You can pay your utility bill using the following method:

• the contribution that allows the translation to be made is determined;
• in the payments and transfers tab, find the item “Deposit account”;
• any plastic card is indicated;
• enter the amount and click “Transfer”.

You have to transfer money to the card. Direct payment for utilities is not provided. Some deposits have restrictions (Replenish, Save) and will not allow partial withdrawals.

Automatic payments

Expert opinion

Alexander Ivanovich

Financial expert

Automatic payment makes debt repayment much easier. You will need to select one of the option options. The upcoming payment is based on the last invoice or a fixed amount.

The monthly payment amount for some services is quite stable. The payer must determine the amount and number. Regular changes in indicators need adjustment and Sberbank will pay the receipt sent by the management company.

1. To obtain a useful option, visit your personal account.
2. Go to Payments and transfers. Select the templates item and the section for connecting a new payment.
3. They settle on the company providing the services. The personal number is copied from the receipt.
4. They provide the card number for further withdrawals. The domestic MIR has joined Visa and MasterCard.
5. The repayment period is determined (once a week, month, quarter) and the number of debits from the account.
6. The maximum write-off amount for a transfer is set.
7. A choice is made between a fixed invoice and an invoice.
8. The confirmation option using a password with a receipt or a code in an SMS message is specified.

Making changes is not difficult. The operation is carried out according to a familiar scenario, and the details are replaced.

Factoring from Alfa Bank

Other payment methods

The lack of a computer and problems with the Internet will lead to the search for other methods of paying for utilities. Deposit money in cash or make a transfer conveniently at the self-service terminal:

• after authorization, the repayment method is determined;
• when using the card, indicate the password;
• select the translation section in the menu;
• move to the section of public services;
• fields are filled in manually or the barcode is scanned.

Insufficient funds on the account balance will allow you to pay in cash. The device gives clear prompts; all you have to do is pick up the receipt to confirm the transaction.

Money is deposited at the bank office. You will have to show your passport and identification card. The operator will help you deposit the amount into the cash register and pay off the debt.

What to do if problems occur

Remote payment rarely leads to an emergency situation. The reason for the failure will be objective circumstances and technical problems.

If an error is identified or the process is interrupted during the translation process, steps must be taken to correct it. Money does not leave the account instantly and is transferred after a certain period of time.

Reluctance to top up someone else’s account indicates the need to call (900 or) the support service, working around the clock. The operator is provided with a code word or details from the passport for identification.

After reporting the incident, steps are taken to suspend the operation. The money will be returned to your account no later than 10 days.