Promsvyazbank- one of the largest universal banks in Russia. It was founded in 1995 in Moscow. In the rating of the country's banks, it is in the TOP-10 in terms of assets. In 2004, Promsvyazbank became a member of the deposit insurance system. The main direction is lending and settlement and cash services corporate clients and accepting deposits from the public. Since 2005, the bank has been actively developing retail business. The regional network of the financial organization is represented by a network of branches of 301 points of sale in major cities of the country. At the moment in financial institution more than 1.5 million Russians are served.
To manage your in cash placed in the bank, it is not at all necessary to visit the office of the organization. For remote management of their accounts, there is a convenient option called "Internet Banking", within which the client is provided with access to a personal account. Personal Area. In the system you will find all banking products connected to you, and you will also be able to manage them as you like.
To enter your personal account click on the login form above or go to the official website of Prosvyazbank at https://www.psbank.ru and in the upper right corner under the search bar, click on the "Internet Bank" link. A menu will open with 3 items: Internet banking for individuals, for legal entities and a mobile application for a personal account. If you are individual, then select the first item "Login to Internet Banking".
The system will redirect you to a page where there is a "Login" button in the upper right corner. Click it and a pop-up authorization window opens.
Here you need to enter the login and password received during registration. The login can be a mobile phone number of a bank client, a client number or an alias.
After entering the identifiers, press the "Login" button. In your personal account of Promsvyazbank you can:
If you are already a client of the bank, but do not have access to the "Internet banking" system, then you need to register to connect to it.
Previously, it was possible to register on the official website of Promsvyazbank, but now this possibility has been blocked for security reasons.
You can register in your bank account in several ways:
In the first case, you need to take an identity document with you and make a visit to the nearest branch of the bank. When filling out all the necessary papers, the bank employee will give you a login and password to enter your personal account. You can find the address of the nearest branch of the bank in the contacts on the bank's website.
Advice! When registering at a bank branch, you will be given a login and a temporary password to enter. When logging in for the first time, remember to change your password to a more complex one. Do not use simple combinations and data from social networks.
If your phone is in the bank's online banking system, then you can go through the recovery procedure:
If you chose the first method, then you need to enter your old login or client number (you can see it in the contract). Next, enter the code from the SMS and you will be sent a new password to enter your personal account.
In the second method, everything is the same - you only need to enter your mobile phone number, which is tied to your banking agreement.
In the third method, you need to enter the series and passport number. Further, everything is as in the previous two methods.
For the convenience of using your finances in Promsvyazbank, we recommend that you download the Promsvyazbank mobile application - PSB Mobile. The functionality of the mobile application allows you to perform exactly the same operations as in your personal account on a computer. The app is available for iOS and Android smartphones.
The functionality of the new mobile application from Promsvyazbank:
Convenient features added to the iPhone and iPad version of the app money transfers with the help of Siri, just say "Transfer 500 rubles to Masha" and she will grant her wish. For this function to work correctly, do not forget to give the application access to your contacts.
In addition, by installing the bank's mobile application, you can confirm bank card transactions by clicking on push notifications on your smartphone. You will not need to enter a one-time code from SMS as before. The PSB Mobile app is provided free of charge.
To download and download the PSB Mobile client go to your device's app store (Google Play or App Store) and type "PSB" or "PSB-Mobile" in the search bar. In the results, the application with the corporate logo of the bank and the same name will be displayed first. Next, click the "Install" button and wait for the download to finish on your mobile.
Are people attracted to the possibility of paying for housing utilities, if at the same time they have to stand in line for half an hour? Of course not. So does the largest Russian bank VTB, in the arsenal of which there are several most convenient offers for its customers regarding the payment of housing and communal services.
Few clients of VTB Bank are aware of the available methods of paying for housing and communal services through banks and how best to check the debt. But in vain, because often the same remote option can save a lot of time. What are the payment methods for utilities?
Through VTB-Online, you can make various payments directly from home or from workplace, n not leaving him. The only thing that is required before using the Internet service is to connect it at the bank branch, having come there with a passport.
Internet banking allows you to make payments from anywhere in the world, the main thing before that is to register and log in to your personal account as a bank client. What is required to pay utility bills?
One of the most common options is payments through VTB Bank ATMs. This is done through a card or with cash. Consider detailed instructions for payment through the VTB terminal.
We keep receipts in a safe place for some time, because sometimes there are problems with making payments. Yes, and in case of an error, a check will come in handy, because only it will help to return or resend the payment.
Be sure to check all the entered data before making a payment, because erroneous payment then it is very difficult to return from the terminal.
Paying for a communal apartment at a VTB branch is the easiest option for apartment owners. Here you will need a passport, so be sure to check it with you. Everything is quick and simple here: we approach the cashier, we name the purpose of the visit (closing the debt for housing and communal services), we submit a passport. If necessary, we specify the necessary data and pay.
The commission will not be charged if the payment is made through the VTB-Online application and through an ATM in cash or with VTB card.
There is also a bonus for pensioners who made out for themselves social card. For them, there is no commission for housing and communal services in the bank branch.
Services of remote payment of housing and communal services is one of the "chips" of the bank, which greatly facilitates the life of the working population of the country. After all, it is much better to make payments through VTB Bank applications or through an ATM on a day off than to rush and run to the offices of management companies and power supply companies. But if the client is interested in questions about what is the reason for the increase in prices for heat and electricity and about checking debts, then it would be better to contact the branch of the company providing these services, and not the bank.
Previously, in order to pay for housing and communal services, it was necessary to personally visit a bank branch, wait in line, waste your time. In addition, you had to pay a commission for depositing funds. Today, Russian citizens have the opportunity to pay for utilities without visiting financial institutions and without collecting additional funds.
The terms of payment for housing and communal services are clearly regulated by Article 155 of the Housing Code of the Russian Federation. In the first paragraph of this normative act states that citizens of the country must make payments by the 10th day of each month. Moreover, at this time, the user pays for the services provided to him last month.
The same document contains information on the appointment 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 he will not be fined for such actions.
This is convenient if a citizen is on vacation or is away from the 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 there is an opportunity to pay the rent without a commission.
Today there is a large number of ways to make payments for utility services. As before, citizens can use the services of a bank branch or one of the postal branches. 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 the cost of rent, such an additional financial burden can become a problem for citizens. Therefore, the question becomes relevant - how to pay for housing and communal services without a commission? You can do this with:
At the same time, it should be taken into account that not all banks provide their customers with the opportunity to transfer funds without charging a commission. In some terminals, additional funds are charged for such actions. Sometimes the commission is not charged only for individual payments. For example, any resident of Moscow can use the website of the Mosenergosbyt company to pay an electricity bill at no additional cost, but other services will have to be paid with a commission.
Where to pay communal payments no commission? Many big banks give their customers the opportunity to pay without commission through ATMs. In this case, it is enough for a citizen to use the appropriate ATM, select the item related to payment for services, and then fill in the required fields.
But before using an ATM, it is recommended that you familiarize yourself with the terms and conditions of the bank to which it belongs. 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 needed if there is no plastic or funds on it. However, most of these devices charge a fee for making payments.
You can pay for utilities without commission also in the case of using 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.
Modern financial institutions offer their customers to become users of Internet banking. In some banks, the transfer of funds to pay for utility bills through Internet banking is not subject to commission (for example, in Citibank). In this case, you can make a calculation without additional financial costs.
However, payment of utility services without a commission is not valid in all financial institutions, therefore, it is recommended that you familiarize yourself with the terms of transfers before carrying out the operation. 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%.
If it is necessary to pay a fee of 1% of the transferred amount for transferring funds through Sberbank Online, then in the case of mobile banking from Sberbank, no fees are charged. The user only needs to connect this option after registration in Internet banking.
After the user registers in the system and connects the mobile bank, you need to go to the section "Utilities...", select a specific organization in the list, enter details, information from counters. After all the fields are filled in, it is necessary to confirm the payment using the code sent to the client's phone. You can print the receipt by going to the category "Fulfilled" and selecting the appropriate payment.
With the help of the “Gosuslugi” service, you can not only apply to various state institutions but also pay the rent. At the same time, the service does not charge its customers a commission for making payments. However, it must be understood that it can be charged by the bank or service provider.
For example, owners of plastics from banking organization"Bank of Moscow" have the opportunity to pay rent without any additional costs, however, for other banks, the commission may be 0.8%. Also, the site is a bit awkward to use. In some cases, service interruptions may occur.
Thus, payment of utilities without a commission is possible. Today, citizens do not have to stand in queues at the bank and incur additional costs. To transfer funds, you can use ATMs, electronic payment systems, Internet banking / mobile banking, public services website. At the same time, a citizen is advised to carefully read the terms of service before making a payment. Not all participants financial market provide similar services to their clients. In some cases special conditions apply only to payments for certain services of housing and communal services.
In Russia, there are many ways that are used to pay utility bills. The methods are absolutely effective and are enshrined in legislation. But it is not always possible to pay utility bills without a commission.
Commission for utility bills is a common thing, and most Russian banks set it.
As an alternative, a percentage of the amount transferred by the client is used. As a result, people lose extra money, and many would like to save on fees. Therefore, it is useful to know about the conditions set by various banks.
It is necessary to pay attention to the rules prescribed in Art. 1005 of the Civil Code of Russia. There is an agency agreement, which states: one of the parties agrees to carry out legal and other actions on its own behalf, but the work is carried out at the expense of the principal. The latter pays the fixed amount of the rent in the manner prescribed by the agency agreement.
Art. 155 (part 15) of the LC of the country it is said that Management Company can settle with homeowners and charge them money for the use of real estate and utilities. At the same time, the participants in the action are certain payment agents who accept payments from individuals. persons.
Art. 155 refers to the payment of fees for housing and communal services, as well as for housing (house, apartment, etc.).
For holding banking transactions commission is provided. Citizens of Russia themselves need to obtain information about which financial institutions offer a minimum or zero amount. Dealing with only one bank, and making transactions different methods, the commission charged is not the same.
So that there is no additional financial burden, it is advisable to find out everything about the features of transactions for paying utility bills. In the future, the client will use the services of a bank where the commission is minimal or will choose the most careful way.
You can pay attention to concrete examples collection of commission, for example, in Sberbank. If you pay utility bills through:
Commissions when calculating using the terminal may vary. Where the equipment is installed matters. Therefore, before paying, it is better to clarify the size of the commission.
Employment, the frantic pace of life are not an obstacle in order to immediately pay for housing and communal services. The latter is done easily, thanks to the development of electronic technology. You can use very convenient services for these purposes, and the commission will be minimal.
A person needs to make payments for housing and communal services:
You can pay for services without a commission by visiting a housing and communal services institution. But there are queues waiting for the client, which almost never disappear. A working person is unlikely to fit this method. It takes a lot of time. But it is very popular among pensioners.
In order not to give additional interest on the amount paid, you can use the bank's cash desk. But not all fin. institutions offer such services. First you need to find out whether they charge a commission or not in a particular place.
You can use the post office and pay without interest, but there are restrictions. People who have concluded contracts with the Russian Post and who are customers of the bank have a similar right.
A fairly convenient method of payment are terminals and ATMs. But this applies to cardholders.
A good no-commission way to pay through Internet banking. There is no need to be afraid of this method, it is not inferior in reliability to a direct visit to the bank.
Payments for housing and communal services can also be made through mobile operators. For this, special programs installed on laptops are used. They work well in the Android system on phones.
Not many banks provide customers with the opportunity to pay for utility services without a commission, these are:
This became known as a result of research conducted in 2016. Promsvyazbank can also be added to this list, only without interest it will be possible to make a payment of up to 10 thousand rubles.
Payment for housing and communal services through Russian mail is popular in small towns, villages, villages. AT big cities the rhythm of life is fast, so such services lose their appeal. After all, you need to visit the post office to make a payment.
In some regions, a commission is still charged for paying utility bills at the post office. Before paying, you need to clarify this point with the operator.
Payment is made near a free window. Often you have to stand in line. The operator needs to give the completed books for services. The money is received by the postal employee, who then enters the data, hands over the second receipt to the client, and keeps the first one. The operator also returns checks to the client, which contain information about the payment.
To pay bills without problems, and there were no interest, you will need:
It is necessary to carry out a number of simple steps:
If everything is done correctly and the payment is successful, a page will appear showing the results of the action taken. The receipt can be printed if necessary.
To pay without commission, you can use mobile application from Sberbank Online. This method works great in devices that use:
The application is downloaded from the official Internet resource of Sberbank. It is necessary to register in this system after downloading it.
To pay utility bills through the application, you need:
If you need to check the status of a payment, then this information is contained in the history.
This service is very popular among users, this also applies to housing and communal services. The payment form can be found on the main page of the wallet. But first, find the right section.
There are transaction limits if you select this payment system. The maximum amount is 10 thousand rubles.
It may take several days for the funds to reach the addressee. The money in the wallet will be debited to the account legal entity.
The State Services service does not take a commission for paying a communal apartment from its own customers. But interest on the amount paid can be charged by the service provider, as well as the bank used by the client.
If the payer decides to resort to the website of the State Service, then he can use a bank account or an electronic wallet.
To start paying through Public Services, you need to:
Thanks to this method, the client will avoid queues, save time, and eliminate confusion in receipts.
Some Finnish institutions make it possible to pay for housing and communal services through an ATM without losing money on a commission, but they give such benefits only to their customers. If a person does not have an account in financial institution he will have to pay interest.
To pay through an ATM, you need to select the “Utility payments” item, which will definitely be on the scoreboard. You must also enter the required data. It is better to get acquainted with the conditions before paying at an ATM, but not all fin. institutions enable the client to get acquainted with these requirements.
It is easy to pay for utility services without a commission using terminals. But a smaller number of them do not charge interest. You will need cash for this, no card is needed. It is necessary to enter the account number, some personal data in a special field. Then comes the payment.
The receipt (or EPD) of payment must be kept. It is not thrown away, but saved in paper form. If the money was deposited via the Internet, you need to print a check. Receipts will be needed when selling a home.
The receipt period is 3 years. This is spelled out in the law on the term limitation period.
In 2018, it is quite possible to pay for housing and communal services without overpaying the commission set by the bank. To do this, terminals, payment systems offering their services via the Internet, terminals and other available methods are used.
You will be interested
There are several ways to pay for housing and communal services without commissions.
Dear readers! The article talks about typical solutions legal issues but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and IS FREE!
Choosing a convenient option for yourself, you must take into account the reliability of the procedure, the timing of the transfer of money and the availability of a receipt.
When choosing a method, you need to know the interest rate and the payment delivery period. The choice of payment options is huge:
The payer chooses the payment method independently.
When choosing a payment method, you should consider the size of the commission. In the same bank for a particular payment method, it may be different. At cash service commission fee ranges from 2% to 3%. In the case of self-service, the commission can be from 0.9% to 2%. The minimum amount is 10%.
If the payer pays for utilities at the post office, a 3% commission is charged from him. The exception is the clients of Sberbank and the Bank of Moscow - they have an agreement. They do not charge a commission, and the payment is credited within 3 days.
If this is an online mail, then there is no commission.
No fee is charged for the payment of rent if the procedure is carried out through:
Interest is not withdrawn regardless of the method of payment - by mail or terminal. This is the most convenient and safe option for pensioners.
Large banks provide their customers with the opportunity to pay utility bills without commission using an ATM. A citizen chooses an ATM and a special point for paying utility bills, enters the required information. Before using a particular ATM, you should study the conditions of the bank. Not all financial institutions provide this opportunity.
also in Russian Federation There are many terminals through which you can pay for housing and communal services in cash. The method is convenient because a plastic card need not.
But most terminals charge interest. The account number, date of payment and personal data are entered into the terminal. After completing all the steps, the terminal will issue the amount for payment.
In large cities, Russian postal services for paying utility bills are practically not used. In villages, villages and settlements, this method is common.
The algorithm of actions is as follows:
In some regions, a utility fee is still charged.
An equally common method of payment is via the Internet. But these are not private systems, but Internet banking or a personal account on the service provider's website.
The function is convenient in that you can see how much and when it was deposited. Payment is made at any time, there is no commission.
Registration in these systems is required 1 time. Access to them is possible from any corner of the Russian Federation.
Payment for housing and communal services is carried out through Sberbank Online without commission. This is the most convenient and. Data is stored in a personal account, all transactions are tracked. After payment, the check is stored electronically.
The course of action is:
The status of the operation is also monitored in the personal account.
With the help of the State Services service, you can also pay utility bills. no commission is charged from own clients. But the bank or service provider has the right to collect it.
On the site of a single settlement center, there is also the possibility of paying utility bills. For this, the required section is selected, the requested data is entered. It is a reliable and fast payment method.
Yandex.Money is one of the most popular payment systems. It is used to pay utility bills. On the main page of the wallet, the required section is selected, the form is filled out.
Funds from the wallet are debited to the account of the legal entity. The money will reach its destination within a few days. The maximum payment amount is 10 thousand rubles.
The check is kept to confirm the payment procedure. Receipts from an ATM, terminal, mobile bank must be in paper format. They will be needed when selling real estate.
The terms of storage of the check are referred to the law on the limitation period, that is, it is equal to 3 years.
