How to pay housing and communal services online without commission. How to pay utilities (rent) without commission online? How to pay utility bills using the A3 system

Nowadays, when technology is so well developed, standing in long lines to pay for utilities is a pointless torment. It is much easier to make payments online. There is no need to wait in line, and payment can be made at any time, even at 5 am.

In order to transfer rent online, you need to know the following information:

• Personal account for all types of utility payments;
• Details of service providers (they are indicated on the receipts).

How to pay rent online?

The payment itself can be made in several ways:

• Through the State Services website;
• Using online banking;
• By QR code;
• Via mobile phone;
• Through electronic money.

Public services

Thanks to this multifunctional service, you can solve many issues, including paying for housing and communal services. Website - gosuslugi.ru.

To gain access to the site's functions, you must complete the registration procedure. After this, follow the instructions:

1. In the upper right corner, click on the button leading to your personal account.
2. By clicking on it, you will be taken to a menu with the following items:
   • Services;
   • Support;
   • Payment;
   • My health.
3. By opening the first item, you will see the categories of services that you can pay for. Among them there is “Apartment, construction, land”.
4. If you click on the above line, a list will open - select “Payment for housing and communal services” in it.
5. Next, a page with instructions will appear. It describes in detail how to make payment.
6. After reading it, click on the “Get service” button. A list of suppliers selected based on the city of your registration will be displayed.
7. Having selected the desired company, you will be taken to a page where you need to enter payment information:
   • personal account;
   • instrument readings;
   • amount of payment;
   • date of reading.
8. Decide on a payment method and enter your payment information.

Important: After checking the details, check the box “take into account meter readings” so that they are counted. When the payment is completed, you can print a payment receipt.

Online banking

This is perhaps the most popular way to pay for an apartment online. Almost every bank provides the opportunity to pay for housing and communal services in a personal account on its website.

Let's look at payment using the example of Sberbank Online. In order to pay rent, you need to do the following:

1. Execute. If there is no registration, you need to complete it. To do this, click on the “Registration” button located under the window for entering login data:
   • After clicking, a page will open where you will be asked to enter your card number. You will receive a password on your phone to confirm your registration in the system.
   • Create a username and password to log into your personal account. Now you are registered and can pay for your apartment without queuing.
2. After entering your password and login, you will receive a password via SMS to confirm your login. It must be entered into a special window.
3. On the page that opens, select the “Payments and Transfers” tab. By default, organizations in the region in which you are registered are shown.
4. By clicking on the tab, you go to the payment menu. Here you can pay for various types of services, including rent.
5. You can select a service provider through the search bar located in the center of the page. To do this, enter the name, INN or current account of the desired company.
6. Find the line with the desired organization and click on it. A menu for paying for the apartment will open.
7. Here you select a card for debiting funds and enter your personal account number (it is in the payment receipt).
8. A menu appears in which you need to enter meter readings and the payment amount. Please check your information carefully before clicking Continue.
9. Next, you will receive an SMS with a password on your phone to confirm the operation. After entering it, the payment is processed and after a couple of seconds receives the “Completed” status.
10. You can print a payment receipt by clicking on the “Print receipt” line located just below the “Payment amount” column.

Thanks to the Sberbank Online system, paying for an apartment via the Internet is easy and simple.

Important: “Thank you” bonuses are awarded for paying housing and communal services through your personal account. can be used to pay for other services.

Service "Rent"

In order to pay for housing and communal services without commission, you can use the “Rent” service. The Internet address is services.kvartplata.info.

You can pay without registering, but users with a personal account have access to a number of additional options:

• Entering meter readings;
• Monitoring the status of your personal account;
• Saving transaction history;
• Receive electronic receipts.

To pay your rent, follow a few simple steps:

1. On the main page there is a window in which you can enter your personal account and payment period. You can also find the menu for payment through your personal account.
2. After entering the data, click “Proceed to payment”.
3. Select the appropriate method for transferring money:
   • bank card: Visa, MasterCard, Maestro, Mir or Yandex.Money;
   • non-cash payment (from a bank account);
   • via SMS messages.
4. Enter your details: personal account and payment period. Then click “Pay” following the system prompts.

The system does not charge a commission for rent for housing and communal services.

Advice: If you have problems with payment or the operation of your personal account, click on the “Need help?” line. All current user questions and answers to them are collected there.

Electronic money

Today there are dozens of electronic payment systems, and they all have approximately the same operating principle. Let's look at payment using Yandex.Money as an example.

To pay for an apartment using Yandex wallet, you need to perform several steps:

1. Go to the website - money.yandex.ru.
2. In the upper left corner, select “Payment for services.” There will be a large list of services that you can pay for. Find the item “Housing and public services” there.
3. Here you can select a utility company from the list or find it by TIN by entering it in a special search bar.
4. Then you should indicate your personal account number written on the receipt.
5. After checking that the entered data is correct, click “Continue”.
6. An SMS with a code will be sent to the phone number linked to your account to confirm the operation. Enter it on the site.
7. After a couple of seconds, the payment receives the status “Successfully Completed”.

Payment is processed within 3 business days. The maximum amount for making a payment is RUB 14,999. There is no commission.

Advice: monitor the payment status. When it is completed, you will be able to print a payment receipt. To do this, go to the “My Transactions” section and select the required payment.

Mobile phone

You can also pay for apartment services via phone if a card is linked to the number. All you need to do is send a special SMS. Let's look at how this works using Sberbank as an example.

To use the service, it must be connected. You can find out about its status by logging into your personal account on the website of the servicing bank. The Mobile Bank service allows you to quickly track your bank card balance. In order to pay the rent, you will need a mobile phone with a number attached to the card and an individual payer code (it is on the receipt).

Let's look at payment using the example of EIRC for Sberbank's Mobile Bank:

1. You need to write an SMS with the text “EIRC code”, where the code is the personal account number in the Unified Information and Settlement Center (available on the receipt), and send it to the bank number – 900.
2. In the response message you will receive information about your utility bills, the amount due, commission and transaction code.
3. To confirm the action, send an SMS with the operation code to number 900.
4. In response, you receive a notification about payment for housing and communal services for the apartment.

In order not to send such SMS every time you receive a new receipt, you can activate the “Autopayment” service. Thanks to it, as soon as the receipt is generated, you will receive an SMS with an offer to pay for it.

How to make a payment using a QR code?

QR code- This is the representation of information in the form of code. A similar icon can be found on any receipt.

Important: in order to pay in this way, you must have a phone with Internet access and a camera, as well as download and install the bank application (for example, Sberbank Online). This can be done through the official online stores App Store or Google Play (depending on the type of phone).

Payment instructions:

1. Turn on the Internet and log into the bank application (for example, Sberbank-Online).
2. Find the “Payments” section and select from the list the services that need to be paid.
3. Find the “Scan barcode” button and click on it.
4. The mobile device will ask you to grant the application access to the camera. Allow it.
5. Using the video camera window that appears on the screen, you need to zoom in and focus the image. A clear picture needs to be photographed.
6. Check the details that appeared after the code snapshot. They will be filled in automatically based on the image.
7. Confirm the payment, after a couple of seconds the payment will receive the “Completed” status.

This method allows you to quickly and without commission, without even entering receipt details, pay for utilities.

Let's sum it up

As you can see, paying for an apartment via the Internet is quite simple. To do this you need to have:

• device with Internet access: computer, phone or tablet;
• bank card or electronic money;
• payment details (they are on the receipt).

When making a payment, it is important that there is no commission. You can solve this problem in several ways:

• pay for housing and communal services through the State Services website;
• use Internet banking;
• pay using funds from an electronic wallet;
• send a special SMS to the number of the servicing bank (the Mobile Bank service must be activated);
• scan the QR code in the bank app.

All these technologies will allow you to significantly save time and nerves.

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

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

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

Relations in the housing and communal services 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, we take into account state or local rates.

Taken into account:

• if there are metering devices (individual, ) - the actual volume of the service;
• without a device - determined by the state.

The fee remains the same regardless of the situation:

On one's own It is impossible to change the board size, both in the direction of decreasing and increasing it. If the services are of poor quality, or are provided with interruptions that exceed the norms, you can contact the service provider for.

Reduced payment It is also possible after certain categories of citizens receive a subsidy.

Fee increase is carried out at the initiative of the supplier in some cases, for example, the temporary absence of a meter and the need to pay by.

The consumer can independently calculate the payment for a specific service by multiplying the consumed volume by the tariff. Heating and house maintenance are calculated based on the area of ​​the apartment. Garbage removal is charged for each person registered in the apartment.

Existing payment methods for housing and communal services

Today you can pay utility bills without difficulty. There are several simple and convenient ways to do this.

At bank branches

The branches of almost any bank accept payments for all kinds of services: heating, electricity, water supply and sewerage, gas, garbage removal, etc.

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

For payment payment notice will be required, which consumers often receive at home. It already indicates the amounts for each service that need to be paid.

Payment terminals

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

The scheme is as follows: a person enters a unique number, which is indicated in the receipt for payment of utilities, the amount in rubles, and deposits cash through a special hole.

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

There is a commission - 3-5% of the amount. The machine does not give change, it “goes away” with an advance payment to the supplier.

Via Russian Post

Services are paid for without commission only clients of Bank of Moscow or Sberbank who have entered into an agreement for the transfer of funds.

The rest are charged a commission of 1–3%.

Self-service machines

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

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

For non-cash deposits directly from a personal bank card, there is no commission.

Where and how to pay for utilities without 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 bank client and receives wages or other payment on a plastic card, you can 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 - by choosing the desired company, transfer funds from the card to its account.

You should find out whether an agreement has been concluded between the supplier and the bank for clients to pay for services without commission.

By using self-service terminal You can make a payment with a minimum commission. For example, at Sberbank it is only 0.5% when using the terminal.

At ATMs Some banks allow you to make “commission-free” payments for housing and communal services using a personal card.

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

Free Internet services for paying utility bills

Using the World Wide Web, you can transfer money from your card to the supplier’s account.

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

Sberbank Online

To do this, the Sberbank card must be connected to the service "Mobile Bank" and register in the system, gaining access (password).

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

The money will be received by the supplier no later than the next business day.

If desired, you can generate and print a receipt.

System A3

Provides payment for some services without commission for Visa/MasterCard/Maestro cardholders from your 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.

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

Here you can pay for all housing and communal services without exception. through your personal account with a bank card.

Soon it is planned to add payment options with mobile and electronic money.

Payment system QIWI

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

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

Settlement center Online

Payment accepted from Visa and Master Card cards.

Registration on the site is required. In the “Subscriber Account” you can see the account status and previous payments.

Only some housing and communal services can be paid without commission.

Electronic money

With the development of e-commerce, the method of paying for utilities online is also becoming increasingly popular. through electronic money systems.

The following payment systems are most common in Russia:

• Webmoney;
• Yandex money.

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

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

When paying online, the receipt must be printed on a printer. It must be stored for minimum three years.

This can happen if the money “went” to the wrong current account, to another supplier, or simply got stuck in the bank’s system.

However after three years the court has the right to accept a claim to protect 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 of non-receipt of payment to the supplier company.

Video: What is the most profitable method of paying for housing and communal services?

The story tells what alternatives there are 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.

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

Paying for housing and communal services using a personal account allows residents to save their own time on paying for utility services. After all, if you have such an account, it is enough to credit a certain amount, which is indicated on the receipt, in any convenient way, without visiting a housing organization or other communal institution. So, what is a personal account and how to check its status?

To begin with, it is necessary to specifically describe what a single personal account is. Thus, on this account, utility companies keep records of the status of debt, payment of utility services by residents of the corresponding apartment in the building. Such a tool can be opened both directly to the owners of the relevant apartments, and to those who live there temporarily, under rental agreements.

1. A separate living space in a house, as well as its characteristics: size, quality condition, and so on. In general, it is necessary to include here all those indicators that can in any way affect the state of the utility account.
2. Information about the services that are provided to the relevant premises, as well as all types of such services for which the residents of the corresponding apartment are charged.
3. A list of people who officially reside in the relevant dwelling, with the exception of those registered there on a temporary basis.

To open such an account when paying, you must contact your local passport office. As a rule, the owner of the home or the responsible tenant applies. In most cases, such an account can be registered for a separate residential premises as a whole.

However, if desired, each resident has the right to demand that a separate utility bill be issued directly to himself.

Such management and separation of personal accounts is considered complex. After all, the fee of an individual tenant in one whole residential premises will need to be looked at and allocated from the amount accrued for the entire apartment. So in very rare cases, authorized bodies provide the opportunity to open a separate account for a person.

So, how to find out the personal housing and communal services account at the address to pay for utilities? In order to find out information about your own personal account for utility payments, you must have a Sberbank bank card. If it is, then you can find out the necessary data, for example, the account number, through Internet banking or at any of Sberbank’s own ATMs.

1. You need to go to the information search section in person in your account in the Sberbank Online service or directly at an ATM.
2. Basic data on personal accounts is contained in a special column of the same name.
3. After clicking on the specified column, an address line will pop up where you need to enter your home address or the address of the premises whose accounting information you want to find out.
4. After entering the address, you must select the utility service provider company that services the residential premises.
5. After clicking on the company name, a number pops up, which is the individual identifier of the personal account of a particular residential premises, as well as the tenant.

However, this is not the only way to obtain information about your own utility account. Thus, those who are not well versed in electronics can call directly to the housing company, which provides housing and communal services to the respective house or block, as the case may be.

In addition, there is a general way to obtain information from the government services portal about how utilities are paid. Currently, this portal payment service is available only to residents of the capital. However, similar Internet services are already operating in the regions, which allow residents to receive certain information about their communal services.

All basic information about the personal account, for example, the number, is indicated in the bottom column of any utility receipt. So, it stands out in the DM column. In some regions or companies, this column is abbreviated as FLS.

Using the methods considered, you can also check the payment of housing and communal services on your personal account. 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.

So, how to split your 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. This becomes especially relevant in cases where residents cannot agree among themselves regarding payment for utility services.

However, such a section is not available to every resident.

• owners of residential premises;
• co-owners of apartments and private houses;
• persons renting housing from the state.

The right to separate the personal account of the payer of the owners and co-owners of the farm is recognized as indisputable. That is, when they apply, the authorized utility organization is obliged to separate the bills, separate them and charge fees for the utility separately.

However, there are problems with renters of inspected social housing. 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. 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.

Knowing their personal account, residents can pay utility bills in the simplest and most convenient way, literally without leaving their place. To do this, you need to have a bank account or e-wallet.

If you have one of the above tools, residents can pay their bills directly with them without fees.

1. You need to go to the section of the corresponding bank portal or electronic wallet for paying debts, including utility bills.
2. You must enter your personal account for housing and communal services to check the balance, as well as to certify the amount required for payment. As a rule, a bank’s online banking portal or e-wallet website remembers the personal account after the first payment made. So subsequent payments will be much easier.
3. You must enter the required amount in the appropriate column and click on the pay button. 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.

For different financial institutions, the procedure differs in some nuances, which depends on the features of the provision of Internet banking services. 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. So there, by simply entering your data, you can get comprehensive information about your debts, as well as pay them if you have a sufficient amount in your bank account or on your e-wallet, respectively.

Thus, the presence of a personal number, coupled with online payment facilities, helps residents make their usual utility payments much easier and faster. As a rule, no receipts are required to be provided to the utility agency, since payment information is automatically reflected in their database.

The most convenient way to pay for utilities using a personal number is to pay through Sberbank Internet banking.

1. Log in to your account on the Sberbank Online website. As a rule, it is registered for each bank client and when opening a bank card or account, the client is given a login and password. If this was not the case, then you can register directly on the site itself.
2. At the site locations, you need to enter the “Payments” section and then go to the “Housing and Utilities” subsection.
3. After the user enters the “Housing and Communal Services” tab, he is given a list of management companies and housing organizations from which he must select his own.
4. After selecting an organization, a payment form will open where you must enter the payment type “Housing and Utilities”, the account from which you want to transfer funds, as well as the personal utility account number. If you do not enter your account number, the payment will be automatically made from the card account that is linked to the Sberbank Online service. If there are insufficient funds, the system will issue a corresponding notification.
5. In the “Amount” column, you need to check the indicators with the receipt that comes from public utilities every month. If they do not match, then the problem must be clarified with the relevant housing organization.
6. After clicking the “Continue” button, the system will automatically redirect the user to the payment verification page. There you need to enter a verification SMS, which is sent to the phone number specified when registering the Sberbank Online service.
7. After entering the password, you can assume that the utility bill has been successfully paid. As a rule, the system issues a notification automatically. However, in some cases it may take up to 2-3 days.

Thus, if you have a Sberbank card and a personal utility account, you can easily pay monthly payments and not think about creating a debt.

If necessary, you can set up automatic payments, which will allow you to periodically transfer a certain amount to your personal utility account.

Previously, in order to pay for housing and communal services, it was necessary to personally visit a bank branch, wait in line, and waste your time. In addition, you had to pay a commission to deposit funds. 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 of each month. Moreover, at this time the user pays for the services provided to him last month.

The same document also contains information about the assignment 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 no fines will be imposed on him for such actions.

This is convenient if a citizen is on vacation or is away from his 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 it is possible to pay rent without a commission.

Where to make payments

Today there are a large number of ways to make payments for housing and communal services. As before, citizens can use the services of a bank branch or one of the post offices. 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 rent costs, such additional financial burden can become a problem for citizens. Therefore, the question becomes relevant: how to pay for housing and communal services without commission? You can do this using:

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

It is worth considering that not all banks provide their clients with the opportunity to transfer funds without charging a commission. Some terminals charge additional funds for such actions. Sometimes the fee is waived only for certain payments. For example, any resident of Moscow can use the website of the Mosenergosbyt company to pay their electricity bill without additional costs, but other services will have to be paid with a commission.

Using ATMs

Where can I pay utility bills without a fee? Many large banks give their customers the opportunity to pay without commission through ATMs. In this case, the citizen just needs to use the appropriate ATM, select the item regarding payment for services, and then fill in the required fields.

But before using an ATM, it is recommended that you read the terms and conditions of the bank that owns it. 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 necessary if there is no plastic or funds on it. However, most of these devices charge a fee for making payments.

Electronic payment systems

You can pay for housing and communal services without commission also if you use electronic payment systems. This is possible, for example, in the case of using services "Rapida" And "Payment.ru". So:

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 clients to become users of Internet banking. In some banks, transferring funds to pay for housing and communal services through Internet banking is not subject to commission (for example, in Citibank). In this case, the calculation can be made without additional financial costs.

However, paying utility bills without a commission does not apply to all financial institutions, so it is recommended that you familiarize yourself with the terms of transfers before conducting the transaction. 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 transferring funds through Sberbank Online you need 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. The user only needs to enable this option after registering in Internet banking.

After the user registers in the system and connects the mobile bank, you need to go to the section "Housing and communal services...", select a specific organization from the list, enter details, information from counters. After all fields have been filled in, you must confirm the payment using the code sent to the client’s phone. You can print a receipt by going to the category "Fulfilled", and selecting the appropriate payment.

Using the "Government Services" service

Using the Gosuslugi service, you can not only submit applications to various government agencies, but also pay rent. At the same time, the service does not charge its clients a commission for making payments. However, you must understand that it may be collected by the bank or service provider.

For example, owners of plastic cards from the Bank of Moscow banking organization have the opportunity to pay rent without any additional costs, but for other banks the commission may be 0.8%. Additionally, the site is a little difficult to use. In some cases, service interruptions may occur.

Thus, paying housing and communal services without commission is possible. Today, citizens do not have to stand in line at the bank and incur additional costs. To transfer funds, you can use ATMs, electronic payment systems, Internet banking/mobile banking, and the government services website. In this case, the citizen is recommended 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.

Payment for utilities can be made in different ways: via the Internet, operator, terminal, using a Mobile card. Each option has advantages and disadvantages. So, when paying for water, heating or electricity, for example, through the post office, you will have to pay a commission of 1 to 3%. Although there are ways to do this without additional overpayments.

How to pay utilities

When choosing a payment option for housing and communal services, it is important to know the pros and cons of each of them, the payment receipt deadline, and the interest charged. You can pay off your utility debt in one of the following ways:

• The generally accepted option for repaying utility debt is through bank cash desks. In this case, a large percentage (2–3%) is charged for the transfer of funds. There are a number of banks offering zero commission for transactions: Promsvyazbank, Citibank, Uniastrum Bank, Tinkoff Bank, Sovcombank. The disadvantages include long queues of payers.
• Plastic card holders can easily pay for heat or water services through 24-hour ATMs. At a time convenient for you, you can make a payment with a minimum percentage (0.5-2%).
• You can deposit cash on your utility bills using terminals located on almost every corner. It's fast and affordable, the only drawback is that change is not given out, but goes towards the advance payment.
• If you have a mobile bank connected, you can make any payment, including utility bills, by sending SMS. To implement it, it is important that the bank card is connected to this service, and there are funds on the balance.
• You can also make a payment at the post office by standing in line at the cash register and paying a 3% commission fee.
• You can repay the debt by contacting the management company, HOA, or housing cooperative directly. In this case, the commission is zero. If controversial situations arise, you can request a reconciliation report from an accountant. Among the disadvantages is reception at certain hours, which may not be very convenient for a working person. Although now management companies already have their own official websites through which you can independently conduct financial transactions.
• You can save a lot of time by enabling automatic payment. To do this, you need to directly contact the bank branch to arrange the service. Then, on a fixed date, a certain amount of money will be debited. It is important to keep the balance positive. The disadvantage of this method is that the same amount will always be withdrawn from the account, while the accruals for utility expenses may be different each month.
• Owners of international plastic cards Visa, Maestro, MasterCard can use the services of the A3 system. To do this, you need to register on the online platform of the A3 payment service, indicate the payer code, card number and payment amount.

Payment of utilities without commission

Both owners of privatized, municipal apartments and private houses, as well as tenants of housing, must pay utilities. Payment for housing and communal services without commission can be made in several ways:

• Through public services. Internet platform PGU.MOS for VTB 24 card holders.
• Bank of Moscow with a social card. Regardless of the payment method (via an operator or an ATM), no commission is charged. This is a safe, fast and convenient way for pensioners.
• Via the Internet, for example, using the Settlement Center.

Payment of housing and communal services via the Internet without commission

You can pay rent using a computer or telephone without additional overpayments. So, using an electronic wallet (WebMoney, Yandex.Money, PayPal or QIWI) the commission will be in the range from 0.8% to 2.5%. You can make a payment via cellular communication if a card is linked to the number. Beeline subscribers can pay off utility bills without commissions from their phone account, but only to certain suppliers, for example housing and communal services in St. Petersburg or housing and communal services in Moscow. MTS subscribers also have a similar service, but with a commission of 1.5%.

Step-by-step instructions using the example for Sberbank Mobile Bank:

1. Send a message: “EIRC code” to number 900, where the code is the personal account number indicated on the receipt.
2. In response, you will receive an SMS with information about debts, amount due, commission and transaction code.
3. Send the confirmation code to 900.
4. Wait for information about making a payment.
5. For convenience and time saving, you can activate the “Autopayment” service. This way, you won't have to ask for a receipt every time. As soon as the payment document is generated, you will receive a notification asking you to pay for it.

Through Sberbank Online

You can pay rent with a bank card via the Internet using the Sberbank Online service. The advantages of this method: minimal commission, speed, convenience, the ability to track payment history in your personal account, transfer of funds in real time. To complete a transaction, you must connect to the Mobile Banking service. Thanks to it, a message is sent to your phone with a confirmation code for the transaction being performed. Algorithm of actions:

• log into your personal account using your login and password.
• open the “Payments and Transfers” tab;
• find an organization by name or details;
• enter the necessary information: indications, drug number;
• enter the amount and confirm the payment.

Electronic payment systems

Payment of housing and communal services without commission via the Internet can be carried out using electronic systems, for example, Oplata.ru. To do this, you need to register and connect to the system by making a one-time payment of 150 rubles. All transactions are performed in your personal account using any bank card. If you have a Rapid plastic card, you can make a payment using the following algorithm:

1. Register on the official website Rapida.ru.
2. Go through the authorization procedure.
3. Open the “Rapida Online” section.
4. Select the “Payment of utility bills” tab.
5. Find the payee.
6. Enter details.
7. Make a payment.

The unified city portal does not charge a commission, but the service provider's bank may do so. Thus, you can pay with a Bank of Moscow card without overpayment, but with other cards the commission can be up to 0.8%. Among the shortcomings are a not very convenient and understandable interface, and periodic malfunctions. The advantages include saving time and a convenient payment method - you do not need to enter all the details: only the Unique Accrual Identifier (UIN). Its value is located in the payment receipt in the “Document Index” or “Code” column.

In order to use this method, you must first create an account on the portal, and also have a tool for making payments, for example, an electronic wallet, a bank card or a positive balance on a mobile phone. Payment for housing and communal services via the Internet without commission can be made according to the following algorithm:

1. Log in to the State Services website using a computer or mobile phone.
2. Open the “Service Catalog” tab.
3. Click the “Apartment, Construction and Land” icon.
4. Select the service “Payment for housing and communal services”.
5. Read the information and click the “Get service” button.
6. Find the supplier in the window that appears.
7. Enter the code or number indicated on the receipt.
8. Specify the payment amount.
9. Select payment method.
10. Make a payment.

Mobile banking

The advantage of paying via mobile banking from Sberbank is that there is no commission. To do this, the user must register in Internet banking and activate this service. Then you need to carry out the following steps:

1. Go to the section “Housing and communal services...”.
2. Select the desired organization.
3. Enter details.
4. Record meter readings.
5. Confirm payment via SMS.

Pay utility bills in Moscow

Muscovites, like residents of other Russian cities, can pay for housing and communal services without commission via the Internet, mobile communications, terminals and bank tellers, and the government services website. For the convenience of the population and to improve the payment system in Moscow, a single payment document has been introduced, which is sent by mail. Using the EPD, it is easy to pay on the website pgu.mos.ru.

This is the official portal of the mayor and the Moscow Government. To pay off housing debt, you must indicate the payer code, the type of document - debt or regular, and the payment period. It is possible to subscribe to email to receive notifications of new ENPs. Payments for housing and communal services without commission can be made directly on the website of the service company. Thus, for electricity consumption in Moscow, you can transfer money on the Mosenergosbyt website. In this case, the commission for light will be zero, and when paying by EPD - 1.5%

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