Where you can pay utility bills without commission. All ways to pay utility bills online

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

As mentioned above, it is not very convenient to use banks and e-wallets to pay for utilities, since an additional percentage will be charged when paying. For example, Sberbank charges a commission that is 1%. That is, if you pay a rent in the amount of 5,000 rubles, then an additional 50 rubles will be charged from you. However, other banks may have a higher commission.

There are other ways to pay utility bills profitably:

You can transfer funds for a communal apartment through the State Services website, 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 the services.

As you can see, there are not so many options. If you are not embarrassed by the 1% commission, then it is better, of course, to carry out the 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 else, then you should pay for the utility through the bank's website. First, you need to register in your personal account. To register, 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 Auto Payment service, you must also go to your personal account, and then select the My Auto Payments 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 commission.

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 on the account, then you will not be able to make a payment.

The transfer can also be made through the bank's ATM. In the menu you will need to select "Payment for utilities", and then find the company you need. The amount will be debited from the card. And you will also be given 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. In this case, you need to register in advance, since if you request a confirmation code by mail, it may take about two weeks. After registration is completed, you can 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 settlements. 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 the rent through the State Services website in the future, then you should create a template. This will save you time as you will not have to re-enter all the data the next time.

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

Every large company that supplies electricity, for example, has its own website. On some of these sites, you can pay for utilities. Most often, here you also need to go through the registration procedure in your personal account in order to be able to carry out 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 figure it out on your own. 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 firms provide their clients with personal accounts.

In 2009, the government of our state adopted a Resolution on the collection of commissions on payment of utility bills. Previously, such a commission was included in the total amount of the utility bill. Where and how can you pay for these services in Moscow in 2019? This will be discussed in this article.

Calculation of utility bills: what is included in it in 2019

The Housing Code of our state regulates relations in the field of utilities, including their payment. In Moscow in 2019, for the correct calculation of the cost of housing and communal services, tariff indicators are taken as a basis, which exist in two types:

State (those tariffs that are set at the state level).
Local (tariffing adopted by local authorities, in our case, the administration of Moscow).

So, the following factors must be taken into account:

the presence of devices for individual or general housekeeping (their indicators are included in the calculation of the actual amount of payment for housing and communal services);
in the absence of such metering devices for calculations, state standards for the use of housing and communal services (common to all citizens of our country) are taken.

A Russian who is a user of housing and communal services cannot independently change the already established tariffs. Payment by its size remains unchanged even when it changes:

Type of ownership:

state;
municipal;
private.

Residential building management type:

ZhEK (housing maintenance office);
Homeowners 'association (homeowners' association);
housing cooperative.

Reasons for using the dwelling for its intended purpose:

rent;
possession, etc.

In case of dissatisfaction, the user of the provided utility services, declaring their poor quality (for example, untimely water supply with significant interruptions), can contact the provider of these services directly, as a result of which the amount of money will be recalculated for their payment.

There are also cases when the payment for housing and communal services changes officially on an individual basis for the user himself. This:

Reduction of the amount as a result of receiving a subsidy.
An increase in payment at the initiative of the supplier (such a case can be considered a temporary removal of the accounting device and payment for the corresponding service in accordance with generally accepted state norms).

So, in Moscow in 2019, the practice is widespread when the consumer independently calculates the amount of payment for housing and communal services. To do this, it is necessary to multiply the consumed volume (for example, water, gas or light) by the established standard tariff. At the same time, heating and housing maintenance must be calculated on the basis of the footage of the living space, garbage disposal based on the number of people living.

Payment methods for housing and communal services in 2019

In 2019, payment for housing and communal services can be made in several generally accepted ways:

In bank branches (Russian banks currently accept payments for all types of housing and communal services):

for heating;
for light;
for water supply;
for water disposal;
for gas;
for the removal of household waste;
for the services of the company that manages the residential building as a whole.

With the help of payment banking terminals (due to its simplicity, this method remains quite popular among elderly Russians), but such payment is always made only with a commission through a cashless transfer of funds.
Services of the Russian Post (such a service is available without a commission, not to all Russians, but only to clients of Sberbank and the Bank of Moscow, other banking institutions require small commissions for their services).
Through self-service banking machines (they will also charge a commission percentage, most often it is 1.5% of the transferred amount of money):

ATMs;
depositors;
info kiosks.

One should take into account the following nuance: when paying for housing and communal services using the fourth method, there will be no commissions only if funds are transferred by bank transfer from the consumer's bank card to the account of the supplier company.

With the help of the Internet - online services for cashless payments (the payment procedure is made quickly and without commission, and without interest):

Sberbank Online ”(the“ Mobile Bank ”service is available if you register on the Sberbank website, it includes the generation and printing of a payment receipt);
AZ system (such a payment without commission works only for holders of payment cards such as "Visa", "MasterCard", "Maestro", it is enough to register in the personal account of this system, enter the personal account number of the utility service provider and transfer money by bank transfer);
Qiwi (QIWI) - such a payment system allows you to pay all possible utility bills without commission;
settlement center "Online" - payment is possible only after completing the registration procedure on this website in the subscriber's account, while payment cards "Visa" and "MasterCard" are accepted for work, and there is no commission for only a few services;
payment systems "Electronic money" (their principle of operation is similar to Qiwi - you register and open your virtual wallet, from which payments for housing and communal services are made without commission): WebMoney and Yandex.Money.

Experts warn: regardless of the chosen method of payment for housing and communal services, always try to print a receipt and save it. This is necessary to confirm the perfect transfer of funds from the consumer to the service provider. The check must be kept for three years. This time period is not accidental, it is limited by the expiration of the statute of limitations - Civil Code, article 196. If a utility provider submits a claim to the court for non-payment of consumed services, the consumer can always present a check as proof of his honesty. This situation is possible in two cases:

the funds were mistakenly transferred not to the supplier's account, but to another account;
the wire transfer is "stuck" in the banking system.

Therefore, it is best to save all checks on payment for housing and communal services for at least three years to confirm the perfect payment.

Is it possible to pay for housing and communal services in Moscow without a commission in 2019?

Experts answer this question positively: it is possible. True, if you decide to pay for housing and communal services with the help of some bank, then he can set his own personal interest commission. There are several banking institutions in Moscow that do not take commission for their services:

Russian standard;
Home Credit;
PromsvyazBank.

For five days, we will talk about how to equip your home, make budget repairs, figure out once and for all with utility bills and find beautiful interior items.

Arsen Mirzayan

What are the payments and how many receipts must be received once a month?

There are three types of services:

- utilities (electricity, heat, water, gas);

- housing (house maintenance and repair, garbage disposal, roof repair, elevator maintenance);

- others (telephone, intercom, concierge services and others).

Earlier, ten years ago, tenants paid for each service on a separate receipt. This was very inconvenient for both the tenants and the savings banks, which accepted payments, so a lot of work was done - and successfully - to combine payments. Now, ideally, you should receive one receipt from the Unified Clearing House (EIRTS), or your Homeowners Association (HOA), or from the management company that deals with your home.

A single payment means a single recipient, which means that your EIRTS or other recipient structure should accumulate money and send it to the accounts of resource supplying organizations. Sometimes he lists the wrong thing and the wrong time, and resource providers require a separate receipt.

The law stipulates that residents can enter into a direct contract with resource supplying organizations. In theory, each apartment can conclude its own contract, but in practice this issue is usually decided at a general meeting of the tenants of your house. If you receive a separate payment for electricity or water, it means that the tenants of your house have decided to pay directly to Mosenergo and Mosvodokanal.

Where to pay for utility bills?

A receipt is an invoice, and you can pay it in any way, as long as the payment arrives at the address. You can use your current account and make a payment, for example, through your bank's online application. But an accountant in a management company or EIRC will hate you - after all, he will have to process the data manually. It is no coincidence that it is recommended to use the services of Sberbank and Russian Post to pay for housing and communal services - both organizations have agreements with resource supplying companies, EIRC, HOA and management companies, and both form registers that the software of management companies and EIRC processes automatically.

If you do not want to pay receipts at the branch and want to use the Internet, remember: firstly, all online payments are subject to a commission. If you do not pay it, your management company will pay it.

Secondly, a very small number of existing solutions are adapted to work with the databases of the receiving party. Our service is one of such solutions, but we can only serve the clients of those management companies and HOAs that have entered into an agreement with us.

If you deposit money through instant payment terminals, through third-party applications and unofficial sites, be prepared for confusion, confusion, loss of time and nerves. To protect myself from this, I would recommend getting a Sberbank card and making payments with it through the official Internet bank application. Mosenergosbyt and MGTS bills can be paid without fear through your personal account on their website. Meter readings can be transmitted through the Mosvodokanal website. The companies' pages contain information about authorized payment methods, and this information can also be found out from your management company.

Do I need to install meters in the apartment?

Counters definitely help to save money. The standards according to which you pay receipts, if you did not install the meter, are too high, they are derived based on the maximum consumption. You need to transfer meter readings to EIRTs, or to your HOA, or a management company. This can often be done through the site of the organization or through the site of the resource supplying organization. There are counters that transmit information themselves, but they are more expensive. All meters must be checked or replaced every two to three years.

The counter can be set to any type of resource. There are two types of meters: individual, which measure the flow in the apartment, and general, which measure the flow throughout the house. The supplier of resources, such as electricity, issues an invoice for the general household meter. And his readings never coincide with the sum of the readings of the apartment meters. Why? Because it is:

- electricity consumption for lighting the entrance, stairwells, the operation of the elevator and other equipment in the house;

- not all people testify honestly, someone belittles their volume;

- not all people submit their testimony on time;

- in the case of water, these can be flowing pipes.

The difference between the readings of the general house meter and the sum of the readings of the apartment meters is distributed among all tenants in proportion to the area. Our legislation is unique because it gives people ownership of not only apartments, but the whole house. There is no such thing anywhere in the world! The owners have the right to dispose of everything: attics, basements, basements, the facade of the house. And those who understand this take advantage of it.

Many homeowners' associations lease basements to legal entities, facades of houses for advertising space, there are many ways to make money. The money received goes to the improvement of the house and the local area. Duties go hand in hand with rights: if the house is your property, then you must fully maintain it, and, accordingly, pay for all the utilities that are used not only in your apartment, but also in the entrances of the house. This is the accruals for general household needs, the very ONEs that people do not understand and because of which they are indignant.

Should I pay for the insurance included in the receipt?

Insurance is neither a housing nor a public service. If you include it in your receipt, it means that at the general meeting, the tenants of the house decided that they would insure the home with the help of the HOA. Before paying for insurance, the conditions of insurance, who is the insurance agent and what you are insured against, must be clarified with the management company.

In general, if your receipt contains any incomprehensible lines or indicators, you should always contact the management company - its name, address and telephone number must be indicated on the receipt itself. If they cannot help you there, contact the city's housing inspectorate.

What is interest?

By law, receipts for utility bills must be received by the end of the month. After that, you have ten more days to pay the bill. At a general meeting at home, a decision may be made to extend this period, but this is not a very common practice. If you do not have time to pay off the debt by the end of the 10th day of the month, they begin to charge you a forfeit - a penalty. The amount of the penalty is determined by law and is one three hundredth of the Central Bank's refinancing rate. Today it is 0.0275% of the debt per day.

Who should pay for the rented apartment?

You need to agree in advance with the landlord about how you will pay for utility bills. A common practice is that the owners pay for everything except utilities. That is, the tenant pays for what he spends - heat, electricity, water and landline telephone, if you use a per-minute rate.

Illustrations: Natalia Osipova

The vast majority of citizens pay dozens of bills every month: telephone, internet, utilities, taxes. Sberbank made sure that it was convenient to pay for housing and communal services - using the Sberbank Online service.

What utility services can be paid through Sberbank online

The list of services is large and includes fees for:

electricity;
water supply;
heating;
telephone;
the Internet;
digital television;
apartment;
heat supply;
garbage removal;
intercom;
protection;
parking lot;
garden partnerships.

If you did not find the required organization in the list, you can pay for utilities using the “Organization transfer” function, which is located in the “Transfers and Payments” tab.

Step-by-step instructions for the procedure for paying for housing and communal services through "Sberbank Online"

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

Beneficiary: beneficiary's name → region of payment → TIN and bank account number;
Payee's bank: name → BIK → Correspondent account → write off from the account (your bank card number).
Payment details: single number → indebtedness → 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 the payment using a one-time password from the check, you can transfer a payment at a time that does not exceed 3,000 rubles (does not apply to transactions between your 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 size 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 the funds.

Payment for housing and communal services from the deposit of Sberbank

Payment for utilities in Sberbank online is possible only by credit 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 write off funds to the card.
Click on the "Operations" button.
Find the item "Transfer between your accounts"
Select "Credit account" (your bank card).
Click "Translate".

We transfer payments for housing and communal services 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 regular registration.
Find the category "Utilities and Home Phone".
Select the type of payment you need: electricity, gas or water supply.
Find an organization that provides services.
Click "Scan Barcode".
Find a barcode on the receipt and point the gadget screen at it.
Select the card from 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.

Since 2012, Muscovites have been able to use the electronic service of public services, which allows them to receive and pay for a single payment document for utilities remotely. The advantages of the Internet portal are obvious. Apartment owners and tenants do not need to be in Moscow. You can get the ENP through your personal account on the website of public services and pay the bill from anywhere in the world.

What is a Single Payment Document?

A single payment document is a receipt for payment of several services related to living in a residential building. It is designed to streamline the process of paying utility bills to different suppliers. The bottom line is that the services are provided by several companies, and the receipt is one. After the payment is made, each organization receives its share of the payment.

Each house, each management company has its own characteristics - its own calculations, its own suppliers. Therefore, the composition of the services included in the ENP may change. Calculations are formed on the basis of information entered into the system. Some of the data is constant - the area of a house or apartment. Other information requires periodic adjustments - service rates. Some information is constantly changing - the amount of energy consumed and the volume of water, the amount of payment made.

After processing all the information, a single payment document is generated. It includes utilities at the place of residence in Moscow - for water, electricity, gas, heating, intercom, security, etc.

EPD form

The form of the payment receipt has changed several times. The current form has been applied since January 2015. Below is a photo of the Unified Payment Document for housing and communal services.

Surname, name, patronymic of the consumer of services - the owner or tenant of the dwelling.
The address of the apartment, house or other premises at which the payment was charged.
Barcode of the document. It can be used when paying for receipts through electronic terminals.
The period for which the UPC was formed.
Service payer code - a digital designation of the owner or employer for processing documents in a single settlement center. When paying for utility services or accessing information, the payer code should be indicated.
Information about the property management company - name, address, contacts, payment details.
Information about the dwelling for which the payment was charged: type of property, total and living area, the number of residents living, the number of beneficiaries, the date of the last payment for services.
The list of services for which the accrual is carried out.
Volumes of consumed housing and communal services per month.
Current tariffs.
The amount of charges for each service based on the established tariffs.
Benefits by type of service.
Recalculation.
Total amounts for the period, taking into account benefits and recalculations.

In addition to the receipt, the Unified Payment Document for Utilities in Moscow contains a tear-off form for submitting information about the readings of individual metering devices. The payer puts the completed form into a special box of a management company or a public service center.

From scratch - under the receipt, information is placed for a specific owner or tenant of the premises. For example, the amount of debt for utility services.

Residents of the capital receive a single payment document for housing and communal services in mailboxes at the address of an apartment, house, other housing. The receipt is delivered by the 15th day of the next month. Citizens registered on the portal of public services receive the ENP in their personal account.

Muscovites can receive detailed information on charges for communal flat by cell phone. To do this, you need to send an SMS message to 7377. Text: rent payer's number. The latter is a 10-digit code from the payment receipt.

Personal account on the website of public services

Muscovites can use two portals that provide electronic services. These are the all-Russian website "Gosuslugi" gosuslugi.ru, and the section "Services and Services" of the official web resource of the Mayor and the Government of Moscow mos.ru. The fundamental differences between these resources is that the site of the city authorities is focused on access to city services and is intended only for Muscovites.

You can get the ENP in your personal account and pay for it after registering on the portal of public services of the city of Moscow. Subsequently, you can enter the Internet service by authorizing the user. To register on the portal you need to enter:

Full name of the resident;
E-mail address;
mobile phone;
SNILS.

Contact information is confirmed by entering the codes sent to the phone or email.

In the personal account, the user can pay for the communal apartment, view the current calculations, find out his debt for housing and communal services, and generate a receipt for payment. The service provides the ability to configure the receipt of the EPD by phone or e-mail. To receive a service, you need to select it in the catalog, enter a 10-digit payer code and select a billing period.

A single payment document on the site can be generated in the usual form (for the current month) or in debt (includes debt for the previous period).

Payment for housing and communal services on the website of public services from credit cards of authorized banks is made without commission. The user receives an instant message about the payment. However, funds are not credited immediately. Recalculating utility bills can take up to 3 business days.

How to pay for housing and communal services?

You can pay a receipt for housing and communal services in several ways:

Through the cash desks of banks. Traditionally, Russian citizens prefer to pay through Sberbank. The disadvantages of this option are the collection of high commissions for making a payment, the presence of queues, and long service.
Through ATMs. This method is suitable for holders of plastic cards. At the ATM, you need to insert a card, select a service provider and enter the payer's code. The system will issue the estimated amount. Then click on the "Pay" button and enter the payment amount. The money will be debited from the card.
Through terminals. The option is similar to the previous one, but the payment can be made in cash.
Auto payment. Most banks provide this service for paying for housing and communal services. The money will be debited automatically on the specified day.
Internet banking, mobile banking. Payment is made remotely through the payer's personal account on the official website of the credit institution.
Through the Russian Post. You can pay for communal services at post offices.
Electronic online payment. Electronic services - Yandex.Money, QIWI and others make it possible to pay for utilities.
On the portal of public services. In the personal account, the payer generates a SOP and pays for services without a commission.

Not all payments go through the same day. In order for the money to arrive to the supplier on time, payment in some cases must be made in advance. St. Petersburg and the region

Attention! Lawyers do not make an appointment, do not check the readiness of documents, do not advise on the addresses and operating hours of the MFC, do not provide technical support on the State Services portal!