Make a payment without commission.  Single payment document (EPD).  Free Internet services for paying utility bills

Make a payment without commission. Single payment document (EPD). Free Internet services for paying utility bills

Owners of Sberbank bank cards can make regular payments using Sberbank services to speed up the process and make it more convenient. There are several ways to pay rent through Sberbank, most of which are remote.

About Internet banking connection

The majority of Sberbank's clients appreciated the possibilities and advantages of the Internet bank, which allows them to make Bank operations remotely without seeking help from employees (on their own).

Connection to Sberbank Online is performed by requesting an identifier from employees (in person or by phone) and registering on the service. You can also register yourself by clicking on the appropriate button on the site. To do this, you will need to indicate your Sberbank card number and phone number.

You can also request IDs through an ATM. You can do this through the Get password section. They will be printed on the receipt.

Generated logins are not easy to remember, but they can be changed at any time directly on the service.

To use Sberbank Online, you must have a connected Mobile bank. Codes are sent via SMS to confirm all operations, including creating templates, changing settings, etc. Also, the user receives a notification every time he visits Sberbank Online.

How to pay for an apartment in Sberbank Online

Sberbank Online allows you to make various transfers and payments. You can pay through Sberbank in the following areas:

It will not be possible to pay if the supplier has not concluded an agreement with Sberbank. You can find out directly from the service provider or through a search in the appropriate section in Sberbank. Many regional HOAs and other organizations prefer to accept payments at their offices or on their websites, and therefore do not sign an agreement with Sberbank.

If the required company is not in the list, you can still pay, but only according to its full details, as a transfer to a legal entity.

If the company is on the list of Sberbank, it will be possible to pay according to a simplified scheme by filling in the minimum number of parameters in the payment order.

Step-by-step instruction

Step-by-step instructions for paying rent through Sberbank Online contain several steps.

Step 1. First you need to go to Payments and Transfers, go down below the offers for transfers in Payment for goods and services. Here are the sections: Communication, Internet, housing and communal services, Taxes. You can pay the rent through the housing and communal services point, in the list of which you should find the Rent.

Step 2. The next step in the walkthrough involves assigning a recipient. The recipient can be found by searching by name or TIN before moving to the subsection Rent. All organizations corresponding to the given area are located directly in it. You can find what you need on your own or through the search bar. If there is any doubt in the name, it is better to drive in the TIN of the recipient, which can be viewed on the payment receipt.


Step 3 The third step is filling in details. The user needs to write:

  • Service type: rent.
  • Select the card with which to pay. A list of all cards available to the client is provided with an indication of the balance.
  • Payer code: EIRC personal account.
  • Payment period: month and year.
  • Sum.

Step 4 Further the user is shown all the entered information in a single payment. The recipient's details are recorded in it automatically, because they are available in the Sberbank database. The data of the branch of Sberbank through which the payment is made are also indicated. On the same page, you will need to enter readings on metering devices:

Step 5 The last step of the step-by-step instruction is the standard confirmation via SMS.

The payment is assigned the status Accepted for execution. When the money is transferred, it will change to Fulfilled. The user can, at any time, open payment document(it is located in the Operations History) and print. It contains an electronic seal of Sberbank confirming the completion of the transaction.

Auto pay rent

Sberbank offers to pay rent and other regular payments using the Autopayment option. Its function assumes the following order of interaction:

  1. On the eve of the date specified by the client, Sberbank checks for rent arrears.
  2. An SMS is sent indicating the amount and debit card. It also contains a code to cancel the operation if there is no need to carry it out.
  3. If the client does not cancel, the next day the payment is sent to its destination, about which another notification is received.

You can create an Autopayment in Sberbank Online through the appropriate section. Filling out the auto payment occurs in the same order as described above.

How to pay if not listed

If the service provider is not on the Sberbank list, the step-by-step instructions are slightly different. In particular, after entering Payments, you need to click on Payment by bank details or receipt.


Find the image of the receipt at the bottom of the "Payments and transfers" page. Click on it.

All information required for filling is contained in the issued receipt. Also, the main parameters can be found in the contract.


Step-by-step instructions include filling in the following columns:

  • Recipient data: TIN, BIC, Account;
  • Card for withdrawing money;
  • Amount, personal account EIRC, purpose.

After you need to confirm the sending of money.

Other ways to pay for utility services

Sberbank offers to use other options for depositing money for rent.

From mobile application

The most convenient of them is. It will need to be downloaded and installed. To pay rent through mobile app, you need to follow the step-by-step instructions similar to the above.


Consider the fact that the mobile scanner in the Application does not read barcodes and QR codes well from a computer monitor. It is better if it is a paper version of the payment document.

At the terminal by barcode

Payment through a Sberbank terminal or ATM is no less in demand among customers. In the first case, they offer to pay in cash, in the second - with a card. Step-by-step instructions for depositing through an ATM and a terminal are very similar. In the first case, after writing the PIN code, you need:

  1. Go to Payments - Utilities.
  2. Click on Manual Entry.
  3. Find a recipient.
  4. Write down the payer code, period and amount;
  5. Read all parameters, click Next;
  6. Get a check.

The ATM also offers to pay by barcode. This method will help to reduce time, since when reading a barcode, all information from the receipt will automatically go to payment order. To pay by barcode, it is enough to select Read barcode at the second step of the above step-by-step instruction.

At the branch with a receipt

In addition to all remote methods, you can pay the rent traditionally - at the department. It is allowed to make a transaction in any branch. If you need to send money from a Sberbank card, you must have a passport with you to confirm your identity. If you pay in cash, no ID is required.

Commissions and limits of Sberbank

You can't pay rent without a fee. Sberbank provides the following tariffs:

  • Through remote services: 1% (no more than 500 rubles);
  • Through the cashier in the branch: 2% (no more than 1500 rubles).

Utilities and some payments under the Unified Payment Documents in Moscow involve commissions lower by 0.5%.

There are no limits on payment transactions. In some cases, a restriction may be set for payment via the Internet. Usually, it is 100 thousand rubles, which is quite enough to pay the rent.

You can view your personal limits in Sberbank Online. You can increase the limit with the help of an employee through the Contact Center.

Conclusion

Payment of rent through Sberbank can be made using Sberbank Online, mobile application, terminal or ATM. Having studied step by step instructions for each option, it is easy to pay the rent on your own, without contacting the department. In addition, this will save on commission, which is two times lower than in person.

If you pay for electricity or water through bank websites or online e-wallets on the Internet, then you will be charged an additional commission for each payment. This option does not suit everyone, because every month you lose a fairly large amount. That is why the question of how to pay for utilities without a commission is so relevant in order to save your money as much as possible. In this article you will find instructions on how to pay utility bills via the Internet without commission.

As mentioned above, use for payment utilities banks and e-wallets are not very convenient, as additional interest will be charged when paying. For example, Sberbank charges a commission, which is equal to 1%. That is, if you pay a rent in the amount of 5000 rubles, then an additional 50 rubles will be taken from you. However, other banks may charge more fees.

There are other ways to pay utility bills profitably:

  • You can transfer funds for a communal apartment through the website public services where you need to register first.
  • No additional commission is charged if you pay through the official website of the company that supplies you with services.

As you can see, there are not so many options. If you are not embarrassed by a commission of 1%, then it is better, of course, to transfer through the bank's website. There you can activate auto payment and, in general, do not pay for utilities manually.

If you think that convenience is above all, then you should pay for a communal apartment through the bank's website. First you need to register in your personal account. For registration, you only need a bank card and your phone number, which is linked to this card. Next, you need to do the following:

To activate the "Autopayment" service, you must also go to Personal Area, and then select the My AutoPay section. Next, you need to click on the "Connect auto payment" button. Now you need to enter all the necessary data - select the organization where the payment is made, select the frequency of payment and enter the amount. You can use this service completely free of charge. You will be charged a standard fee.

Important! For the service to work properly, you need to ensure that there is always money on the card. If there are not enough funds in your account, you will not be able to make a payment.

Transfer can also be made through the bank's ATM. In the menu, you will need to select "Paying utilities", and then find the company you need. The amount will be debited from the card. And you will also receive a check.

This method is a little more complicated than the previous one, since you first need to go through a rather long registration procedure. However, you need to register in advance, because if you request a confirmation code by mail, it can take about two weeks. After the registration is completed, you will be able to pay fines, taxes, utilities and much more through the portal. In addition, through the website of the State Services, you can issue internal and foreign passports.

Utility payments through this portal are made as follows:

It should be noted that not all companies are currently on the site. This is especially true for small towns. If you live in St. Petersburg or Moscow, then you will not have any problems. In the event that you did not find your company on the site, then you should choose another method of paying for utilities.

If you plan to pay rent through the State Services website in the future, then you should create a template. This will save you time as you won't have to re-enter all the data next time.

This portal also has its own official application for phones. You can install the application on your smartphone and pay at any time convenient for you.

Each large company that supplies, for example, electricity has its own website. On some of these sites, you can pay utility bills. Most often, it is also required to go through the registration procedure in your personal account in order to be able to conduct payment transactions.

It is impossible to give detailed and step-by-step instructions here, since all sites have a different interface and you will have to deal with this issue yourself. For payment, a bank card of any bank is usually used. In some cases, a transfer from a Yandex or WebMoney wallet is possible. But not everyone has this opportunity to pay for services through the company's website. Only very large companies provide personal accounts to their customers.

So that citizens do not have difficulties and conflicts with state structures, it is necessary to know how to pay for utilities, on time and correctly. These include gas supply, electricity, water supply (cold and hot), sewerage and heating. In addition, utilities include procedures for garbage collection and cleaning. adjoining territory.

The tariff for each service provided is set by the executive authority, energy commissions and the local administration, which in their decisions refer to the existing acts Russian legislation. On their basis, preventive measures are also taken against non-payers.

Today, there are quite a few options and ways to properly pay utility bills. These are standard cash registers, and banking systems, transfers through terminals or the Internet. Everyone can choose the most convenient way, so as not to adapt to the time, place and circumstances that depend on anyone. But no matter which option is chosen, it is imperative to keep receipts so that in the event of a conflict situation, you have confirmation of the conscientious fulfillment of obligations.

Payment through the cashier

The most famous and familiar to many is the payment option. utility bills through the post office or bank cash desk. To do this, citizens should come to the nearest post or bank branch with books for payment and, in turn, hand them over to the employee, along with the money. The employee of the department will do everything necessary actions and issue receipts with dates, payment amounts and stamps.

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This option has long been tested and reliable, while no additional knowledge is required from a person. It is enough to fill out the books, submit and pay. But, at the same time, given the availability of modern technologies, it would be much more convenient to pay for utilities through the terminal. The disadvantage of postal and bank cash desks is that a person spends his time going to the branch, standing in lines and slow service. As a result, a person's mood is spoiled and at least an hour is lost.

When paying through the cashier, however, as well as through a terminal or the Internet, one should not forget about a small percentage that is deducted from the amount of payments. It is from one to five percent, which should be warned about before payment.

ATMs

Citizens can independently pay for utilities through an ATM, but only those who have bank cards have such an opportunity. The principle of operation is very simple:

  • Go to any nearest ATM with bank card;
  • Insert the card into the ATM and enter your code;
  • Go to the service payment menu;
  • Select the desired recipient from the list;
  • Dial the ten-digit payer number in the pop-up window;
  • Specify for what period the payment is made;
  • After the outstanding amount of the debt, click the payment button. After that, the funds will be withdrawn from the card inserted into the ATM and transferred to the account of the service provider.

To do this, you can use not only the ATM of your banking institution, but also any other. True, the commission percentage may differ in this case.

The advantages of paying through an ATM are that it takes no more than five minutes and ATMs do not have a work schedule, they are available around the clock. However, there are also disadvantages. For example, there are banks that do not provide such functions. In addition, there are unpleasant moments in the form of the same queues, however, much smaller than at the box office, and sometimes the machine malfunctions and you have to look for a worker.

Payment terminals

You can correctly pay utility bills on your own and through a special terminal. The principle of its operation is the same as that of an ATM, but at the same time a bank card is not needed, and you can pay in cash. To do this, select the desired section from the menu and manually enter the amount that the payer wants to deposit into the account. In some cases, the terminal also accepts bank cards.

The terminal is convenient in that you can find it in almost any store, supermarket, shopping or entertainment center. Sometimes there is a terminal in the subway passage, and in some cities you can meet it on the street. This allows you to make a payment without being distracted from other matters, quickly and in
any convenient time, without days off.

The terminal only accepts banknotes when paying in cash. It should be noted that the terminal does not give change. That is, if one amount of payment is indicated, and a denomination of a larger bill is made, most likely, the required change will go nowhere. This is definitely a minor downside. In addition, the terminal usually shaves the commission a little higher than at the cash desk, about which a corresponding message will be displayed before the money is deposited.

Internet banking and blitz payment

Almost all major banking institutions provide their customers with the opportunity to pay for the necessary utilities through the official website on the Internet. To do this, you will need to register in the system yourself or with the help of a bank employee, so that everything is correct. After registration, citizens have the opportunity to manage their accounts
without leaving home, while on the road, at work, on vacation in another region or even outside the country.

By entering your personal account on the bank's website, you select the appropriate menu and categories, enter the details of the service provider and such data as your personal account, address, last name and initials. After the first payment made, the information is saved, and in the future it will not be necessary to enter the same again. It will be enough to enter the amount and confirm the transfer.

Blitz payments can also be activated directly at the bank or independently through your personal account. This feature will automatically make payments every month. The specified amount will be transferred to the account of the service provider on a certain date from a bank card.

Internet systems

In addition to the fact that there is a cash desk, terminal, ATM, Internet banking, the Internet also provides many other opportunities to pay utility bills correctly, on time and quickly. For example, a no less reliable option is to pay directly on the website of the provider of a particular service. This is also done through your personal account after registering on the site. There you can also see the amount of debt, learn about changes in tariffs, etc. The downside of this option is that in order to pay for each service, you need to register on all sites, that is, on the site of the supplier of gas, water, electricity, heat, and others. And payment will also have to be made by going to each site.

There are other possibilities on the Internet that are universal. payment systems and e-wallets with such features. True, in such systems, the commission is usually higher or the same as that of the terminal.

In any case, dealing with payments on your own, you must be extremely careful when entering any information. One wrong digit and the payment will go to the wrong destination.

The vast majority of citizens pay dozens of bills every month: telephone, Internet, utilities, taxes. Sberbank has made it easy to pay utility bills with the help of the Sberbank Online service.

What utility services can be paid through Sberbank online

The list of services is large and includes a fee for:

  • electricity;
  • water supply;
  • heating;
  • telephone;
  • the Internet;
  • digital television;
  • apartment;
  • heat supply;
  • garbage removal;
  • intercom;
  • security;
  • parking lot;
  • gardening associations.

If you didn't find it in the list the right organization, utilities can be paid using the "Organization Transfer" function, which is located in the "Transfers and Payments" tab.

Step-by-step instructions for paying utility bills through Sberbank Online

To pay for gas, water or other utilities, go to your personal account and go to the "Transfers and payments" page.


  • Payee: name of the payee → payment region → TIN and account number;
  • Bank of the payee: name → BIC → Correspondent account → write off from the account (your bank card number).
  • Payment details: single number → debt → notification number → amount (it can be changed).

If you do not know where to view the data, click on "Sample Receipt".


Be careful: The code you received via SMS is valid for no more than 5 minutes. If you confirm a payment using a one-time password from a check, you can transfer a payment not exceeding 3,000 rubles at a time (does not apply to transactions between your own accounts).

Upon completion of the operation, the final window "Completed" appears, indicating the successful completion of the operation. After that, you can save the payment as a template, repeat it, or print a receipt.

The amount of the commission depends on the service provider and varies from 0% to 1% of the payment amount. In general, for any transfer, Sberbank takes a commission of 1% from the sender of funds.

Payment of housing and communal services from the deposit of Sberbank

Payment for utilities in Sberbank online is only possible with a bank card. If the funds are on the deposit, the required amount can be transferred to the card using the "Deposits and Accounts" page.

  • Select the account from which you want to debit funds to the card.
  • Click on the "Operations" button.
  • Find the item "Transfer between your accounts"
  • Select "Account" (your bank card).
  • Click "Translate".

We transfer utility bills through a mobile application

By downloading the mobile application from Sberbank to your smartphone, you can pay bills online through Sberbank at any time and from anywhere. For this you need:

  • Complete the normal registration.
  • Find the category "Utilities and home phone".
  • Select the type of payment you need: electricity, gas or water supply.
  • Find a service provider.
  • Click Scan Barcode.
  • Find the barcode on the receipt and point the gadget screen at it.
  • Select the card with which the payment will be made.
  • Check all data.
  • Confirm payment.

For convenience, create payment templates in the full version of the Sberbank-online service. In the future, when paying bills, you do not have to scan the barcode every time.