What is EPD and how to pay for it. How to pay for housing and communal services without commission? How to pay utility bills online

Taking into account the laws of the Russian Federation, the following deadlines are established regarding the need to pay for housing and communal services: payments for housing and communal services and residential premises must be made every month before the 10th day of the next month after the paid one.

Those who did not have time or did not fully pay for services or housing will have to pay the resulting penalty, which will be accrued from the 31st day following the day the payment is due.
The penalty will grow and become twice as large starting from the 91st day.

Modern payment options for utilities

We can note several of the most popular modern payment methods used by all Russian citizens:

• At bank branches.
• At post offices.
• Through payment terminals and ATMs.
• On the official portals of service providers.
• In your management company. Most modern management companies install their own terminals to accept payments for utility services.
• Through the State Services website.
• Using electronic wallets WebMoney, Qiwi, Yandex.Money, etc.
• Through your personal account in Mobile Banking.
• Via a mobile application.
• Through mobile banking of mobile operators.
• Using a QR code.

Remote payment without interest

Paying housing and communal services online is becoming more and more popular. With the development of the Internet, new payment options and services regularly appear, thanks to which monthly payments become much faster and easier.

Literally 10 years ago there were long queues to pay (and some still stand), which was very annoying, because it had to be done on weekends. Sometimes these lines seemed endless.

At the moment, this is a thing of the past. Now you can pay for almost any service in a few clicks, without leaving your home, and some services even mean the ability to create an automatic payment, which will pay for the service yourself within a specified period. And even without commission.

Most people of the older generation do not know how to use such services, so they still wait in long lines at post offices. Moreover, in addition to losing their own time, they also lose money by paying a commission, which sometimes reaches 3% of the payment.

Official portals of service providers also imply a small commission for the operation performed.
Let's consider all the available payment methods that you can use at the moment.

State Services Portal

This is a fairly convenient method of paying for a large number of municipal and government services. The official portal is located at www.gosuslugi.ru and allows anyone to quickly pay for the necessary services.

A nice thing is that the site allows you to pay for services without commission, but for this you will need to go through a short registration process. After this, you must log in to the system with your username and password, after which you can pay for housing and communal services.

To do this, it is enough to take a few simple steps that anyone can do, even without special skills:

• go to the “Payment” section, where select “Utilities”. The user will see the entire list where it is necessary to select a suitable supplier;
• Next, you need to fill out a form in which you indicate your personal account number and sometimes the payment period;
• Now you need to click “Next”. As soon as the system verifies all entered data, the user will be redirected to the payment page, where he must indicate the payment amount and select a payment option.

Attention! In order for the system to take into account meter readings, you must tick the box. If desired, as soon as the operation is completed, the user will be able to receive an electronic version of the receipt to his e-mail.

When paying in this way, the State Services website does not charge a commission for making payments, but you must carefully monitor your payment system or bank, which may charge a percentage for making a transfer. For example, if you pay with a Sberbank card, based on the amount, you will have to pay an additional 2.9%.

Electronic wallets

Paying for housing and communal services without commission using electronic money is also gaining in popularity. Almost all existing popular electronic systems and wallets provide the ability to pay for utilities. To make a payment in this way, you must be registered in one of the following systems: Yandex.Money, Qiwi or WebMoney.

Yandex money

To pay in this way, you must perform the following steps:

1. Go to your personal account.
2. Pay attention to the section at the top of the site and select Housing and Public Utilities and Public Services.
3. From the drop-down list, select the appropriate service provider and indicate all the necessary data in the fields provided, including meter readings, amount, payment period and, of course, personal account number.
4. To confirm the payment, you must enter a secret code that will be sent in a message to the phone number linked to the wallet.

We must not forget that the transfer will take 72 hours. To make payments even faster in the future, you can save the template.

It is necessary to carefully read the terms of service, since some housing and communal services do not imply an additional fee, while payment in favor of some service providers may be charged in the amount of 2% of the amount.

Qiwi wallet

Using Qiwi wallet, you can pay for housing and communal services using two methods at once:
through the official portal;
from the Qiwi terminal.

Payment by this method, in any case, implies a deduction of a commission in the amount of 2%.

To pay through the official website, you must do the following:

1. On the official QIWI portal, you need to register your wallet using your phone number.
2. Next, log in and go to the section with payment of housing and communal services.
3. Select your service provider from the list provided.
4. Specify the payment period and payer code. Next, click on “Get information”.
5. Verify details and pay.

QR code

Each payment receipt, in addition to data on the debt and the amount of payment, has a special QR code. This is a modern service that makes life easier for all smartphone owners.

To read the code, you only need to have a smartphone, an Internet connection and a specially installed application that can read such codes. The process is completely free.

Once the user activates the application, he will be prompted to read a code. To do this, you need to bring your smartphone camera to the code and capture it in the lens. As soon as the scanning is completed, a page will automatically open on which you need to specify standard data.

To complete the payment, you must select a payment method and complete the procedure. This is a very modern and convenient method that is used all over the world and saves a lot of time.

It is worth noting that the commission of the bank or payment system, when reading the code, remains when making a payment using this method.

Banking services

Before you pay for utilities online, you should pay attention to other methods. One of the most popular options is payment through banking methods, which do not imply additional interest for the service. This payment method is provided by almost all banks and financial institutions. They benefit from a large number of financial transactions. That is why they try to make such a service as simple as possible.

You can pay your housing and communal services bill through a bank using several methods:

• through your personal account;
• using a payment terminal or ATM;
• payment in cash through a bank cash desk.

Internet banking

The best option, both for the bank and for the user, is to pay through your personal account, using your own plastic card. Thanks to this benefit, the bank tries to make this service as accessible and convenient as possible.

Among modern banks, you cannot find one that does not offer Internet banking and a mobile option for accessing your personal account.

In such services you can pay for a large number of different services, ranging from mobile communications and the Internet, ending with fines and housing and communal services. Most financial institutions do not charge interest on payments, and even moreover, there are those that offer bonuses and cashback for making such payments.

Among the main advantages of this type of payment, we can note the possibility of creating an automatic payment, thanks to which there is no need to fill out the details each time. You just need to set it up once, after which a certain amount will be automatically transferred from the card.

This is a very convenient service that allows you to always pay all your bills on time. However, it is worth noting that there is one negative point, which is that the auto payment amount will always remain the same. It will not be possible to set the amount to match the meter readings.

Credit and financial institutions are constantly adding to the list of housing and communal services service providers, so this payment method is becoming increasingly popular.
To understand how to pay for utilities via the Internet with a bank card, you can use the Sberbank Internet account as an example, since this is the most popular bank in Russia and has the largest number of clients.

Sberbank Online

Each client of Sberbank must first connect to the Sberbank Online service or download a special application to their smartphone. Among other things, in order to be able to confirm any transaction, the client must have a linked mobile phone number nearby.

To make a payment, you must do the following:

• on the official website you need to go to your personal account using your login information;
• in your personal account you need to go to the “Payments and Transfers” section;
• you need to choose your service provider;
• enter information for payment, including meter readings, period and personal account number;
• After the secret confirmation code is sent to the linked number, you must enter it in the specified field and the payment will be completed.

Among other things, Sberbank management offers its clients additional bonuses for making any such payments. The bank systematically conducts various promotions, thanks to which you can additionally receive bonuses for performing financial transactions using receipts for different amounts.

But the bank does not offer its services completely free of charge, but charges a small commission for the services, which amounts to 1%.

VTB

Payments are made in almost the same way in other banks. For example, every client of VTB Bank has the same opportunity to make a payment, but there is no commission for this service. You also need to register and gain access to your personal account.

Tinkoff

The peculiarity of this bank is that it offers the service of paying utility bills not only to its cardholders, but also to other banks. For these purposes, you need to go to the official portal of the bank and go to the payments section. Next, the client will see a list of available service providers, from which he must choose his own.

Now all that remains is to indicate the required information, including the payment amount, period and payer code, after which all that remains is to click on “Pay” to confirm. Despite the fact that no commission is implied, there are some restrictions, for example, payments can be made based on accruals only for the last 12 months, and the deadline for crediting money is no later than the 3rd banking day.

If the payment is made using a Tinkoff debit card, then in addition to the absence of commission, you can additionally receive cashback. To receive a reward, payment must be made only through your personal account. Cashback will be credited to the card at the end of the month in the amount of 1% of the financial transaction amount.

It is very important to make a transfer only from a Tinkoff debit card through your personal account.

Alfa Bank

Payment of housing and communal services via personal account via the Internet is also available to Alfa-Bank clients. Moreover, regardless of whether they are his clients or not, anyone can use the mobile application.

If you do not have an Alfa-Bank plastic card, but are a client of the financial institution itself, then you can contact a bank branch to obtain login information for Alfa-Click. This can also be done at any Alfa-Bank ATM.

Alfa-Click is an online banking that allows you to pay not only utilities, but also fines, electricity and other services, taxes without commission. It is also convenient that for this there is no need to provide details, but rather just select a suitable service provider from the list provided.

This service is relevant only for those who receive services in packages:

• Maximum;
• Comfort;
• Optimum.

This way you can pay for services without interest.

Smartphone applications

One of the most modern and convenient payment methods is the ability to conduct a financial transaction remotely, anywhere, through a special application installed on a smartphone.

Almost every major bank operating in Russia (and other countries) is required to provide such a service to its clients.

Sberbank Online

Naturally, such a large bank as Sberbank necessarily has such an opportunity for its clients in its list of services. Each bank client has the opportunity to install an application on their smartphone and make various payments.

Making payments via smartphone is as simple as possible, so anyone can cope with this task. The client must go to the application where he can find the payments section. After this, you need to scan the QR code on the receipt, after which all that remains is to confirm the payment.

As for payment in this way, the financial institution does not deduct any additional fees from the client's account. But you will have to pay a monthly subscription fee for using the application from 30 to 60 rubles. Payment is withdrawn only in the third month.

Alfa Bank

You can find an application for download in your store, based on the iOS or Android platform.

In addition to paying for utilities, the application also allows you to make other types of payments, including payment of fines, electricity and other taxes, absolutely free of charge, without additional fees.

Tinkoff-bank

Tinkoff Bank also has its own mobile application in which you can pay for housing and communal services. Moreover, this can be done not only by being a bank client, but also by having an application on your phone and at the same time being a client of any other financial institution in Russia.

In addition to taxes, fines and housing and communal services, the application also allows you to pay for other services, including Internet, telephone, etc.

VTB

The VTB-Online smartphone application also provides the opportunity to pay for housing and communal services according to bills, without additional payment of commission.

Among other things, users can additionally pay about 12 thousand providers of other services, including the Internet, mobile communications, television, etc.

Through payment terminals and ATMs

You can also pay for housing and communal services online with a bank card without commission using ATMs or special payment terminals. This is the best option for those clients who do not have the opportunity to use online banking or a mobile application.

All the most popular and large banks have the opportunity to offer such a service to their clients. You can find out about the availability of such a service on the official website of the bank that provides services to the client. Sometimes in small towns there may be no terminals, so it is important to know the location of payment terminals.

At cash desks and bank branches

The classic and very first method, which is gradually becoming a thing of the past, but in some remote cities still remains the main and most popular, is payment at bank branches. Each branch has a cash desk that accepts payments, so anyone can do this, and it is absolutely not necessary to be a client of this financial institution.

This option may only be convenient for those who are in close proximity to one of the branches, but you need to prepare for the fact that there may be a long queue at the bank.

Despite this, some positive aspects of this method can be noted:

• the client does not need to enter any data himself, so incorrect information entry is virtually eliminated;
• Cash is accepted as payment;
• The cashier will provide a receipt upon completion of the payment process.

Often, bank employees offer all visitors to make such payments through terminals located in the bank, so as not to create a queue.

Among other things, this method cannot be called free. When it is carried out, a commission of 1-3% is charged. This is being done to ensure that more clients gradually switch to the remote method of service.

All banks have different commission rates. For example, when paying with a Sberbank plastic card at their branch through the cash register, then only 2.5% commission is charged, and if you carry out the same transaction in cash, then the percentage increases to 3%.

Payment via phone

Telephone operators Megafon and MTS recently announced that they are introducing a unique feature for free transfer of funds.

Now each subscriber has the opportunity not only to transfer money from one telephone account to another, but also to perform such transfer actions to plastic cards. Among other things, you can do this directly through the official website.

MTS

Mobile operator MTS has created a special application called MTS Money. Thanks to him, everyone has the opportunity to pay for housing and communal services without commissions. To do this, you can use one of the following methods:

• from MTS Money account;
• from a mobile phone account;
• plastic card.

Among other things, not only an MTS subscriber, but also anyone can make a payment using a plastic card through the MTS personal portal.

Attention! There is one important point. Without an additional commission, only Moscow residents can pay for housing and communal services. For residents of other localities, it will be necessary to pay a small percentage, which varies based on the conditions of housing and communal services providers.

Megaphone

Before you pay for housing and communal services without commission through a bank cash desk, you need to pay attention to the mobile operator Megafon. The operator also claims that it provides payment services for housing and communal services through its official website.

Among the negative aspects, we can note the fact that payments can only be made to those suppliers who are on the list.
All residents of Russia will have to pay an additional fee, except for residents of Smolensk and Tyumen. Some cities in the Moscow region can also pay for services without commission, but only from MosOblGaz. Although the list of service providers is relatively small, it is gradually increasing.

Each client, before using this method, must become familiar with the list offered by the operator.

Beeline and Tele2

The telephone operator Beeline, like previous companies, also offers the opportunity to pay for services, but it must be taken into account that an additional 2.25% will need to be paid based on the payment amount.

The Tele2 operator also offers a similar service on its official website. Before paying, you need to pay attention to the large commission percentage - 3%, as well as the limited number of service providers. Very often, the required supplier may not be on the list.

Payment via messages from your phone

For those who want to pay utility bills, but do not have access to the nearest bank branch, Internet access point, personal account or any other options, you can always use special short SMS commands.

SMS Service Mobile Bank of Sberbank

Many financial institutions offer the opportunity to pay for services using SMS Mobile Banking. Sberbank also has such a service, which allows each client to make payments for utilities and other services.

Before you begin the process, you must first complete a number of simple steps:

1. At any of the large number of ATMs, select the “Connect mobile bank” option and select the appropriate package for yourself.
2. After connecting, send the message “Help” to number 900.
3. Next, select the second item and send number “2” to the same number.
4. The client will receive information on further actions.
5. After connecting, to make payments you need to send a message with the name of the company - personal account number - payment amount.
6. Confirm payment.

There are several factors to consider before you start using this service:

• the bank cooperates only with some companies, so you must first go to the official website and familiarize yourself with the full list of all possible recipients of funds in order to be able to pay for utilities via SMS;
• It is imperative to take into account the limits for each day. Payment in favor of one company should not exceed 15 thousand rubles per day;
• As for the commission, in the case of paying for utilities, there is no fee, but every month you must pay a subscription fee for using the service in the amount of 30 or 60 rubles based on the selected package. Payment must be made immediately after starting to use the service from the third month.

MTS operator payment

You can also pay rent using a personal account via a message from a mobile phone connected to the MTS operator. To do this, a number of the following conditions must be met:

• On your mobile phone dial *115# and “Call”;
• in the response message you will receive a list with the type of payment, where you need to select the required one;
• to pay for utilities, you must send a message with the number 3;
• now you need to send a number with the name of the supplier’s company;
• Next, you need to select a payment method and indicate the payer code;
• Following the prompts, you can make a payment and confirm the operation.

Attention! If payment is made using a plastic card, it must first be registered on the official website pay.mts.ru. In other words, the SIM card must be linked to the card.

Among other things, the user will need to pay an additional fee of 2.6 of the amount paid.

Payment through Beeline operator

The exact same service is offered by the mobile operator Beeline. To start using it, you must first go through the registration process in your personal account on the official portal of the Beeline operator.

Payment for services in the capital and other cities

Payment for housing and communal services can be made using different methods, including Internet banking, payment through a cash register, using a mobile phone (SMS) or a special application, through an ATM, etc.

Among other things, most large cities in Russia, in addition to the possibility of paying via the Internet and other methods, also provide their own city websites where this can be done.

In Moscow

For residents of the capital, you can go to the official website of the Moscow government at mos.ru. Before paying for services, each user can obtain all the information on the portal, without mandatory registration. To pay for services, you will need to go through it.

As soon as the registration process is completed, you need to go to the section with payment for the service and click on “Get the service”. The user will see a form in which it is necessary to indicate the payment period, payer code and document type.

You can also submit meter readings on the website. To do this, you must select the appropriate section for water or electricity.

If the user is the owner of the Moskvich Social Card, then no commission will be deducted from him; when paying for utilities, in all other cases, he will need to pay 0.8%.

Some services in the capital can be paid without commission, directly through the official websites of service providers, for example on the Mosenergosbyt portal. There is no commission for residential premises, but for non-residential premises you will have to pay.

In Moscow region

Payment for utilities in the Moscow region often occurs through a special website of the MosObleIRTs, which allows you to make payments without paying an additional commission. It is worth noting that the portal may not accept some invoices from the Moscow Region for payment. This depends on whether the portal has a contract with the utility provider or not.

It is necessary to constantly monitor the list of suppliers, as it is constantly updated and supplemented by new companies.
Each user must go through a short registration process in order to be able to make a payment. Only after this will access to your personal account be provided. Once registration is completed, a confirmation email will be sent to the specified email address. Now you can go to the official website and check whether this personal account is being serviced or not.

If the bill is accepted, then using a plastic card you can pay for utilities without additional interest. If you don’t have a card, you can pay in cash at one of the MosObleIRC branches, the addresses of which can be found on the official portal.

In St. Petersburg

In the northern capital, you can use the local service, which is located at htpps://kvartplata.info/home. The site allows you to pay for utilities without commission.

Before making a payment, you need to familiarize yourself in detail with the list of companies that provide services and those that do not charge a commission for their services. Payment is made through your personal account on the City System portal.

Payment can be made with almost any plastic cards: MIR, VISA, Maestro and MasterCard, regardless of which financial institution they are linked to.

Conclusion

Before paying your rent via the Internet, it is very important to carefully familiarize yourself with all the modern Internet capabilities. Now making monthly payments will no longer be a routine and can even be performed automatically, without the participation of the service consumer.

You can pay for services not only online, but also through an ATM, an application on your phone, or even an SMS message. Utility service providers themselves are interested in this, so every day their list is replenished in the remote payment list.
Payment through a cash register is gradually becoming a thing of the past; among other things, the most pleasant aspect of modern remote payment options without leaving home is the absence of commissions and loss of time.

Now there is nothing easier than going online and paying for any necessary services, including utilities. However, few people know that for this it is not at all necessary to wait for the middle of the month, when a single payment document (UPD) with all utility charges arrives in the mailbox. Moreover, due to some circumstances, you may not receive it in your hands, but no one has canceled the obligation to pay on time.

Moscow residents have an excellent opportunity to receive the EPD in electronic form. Moreover, you can do this in several ways at once, without leaving your apartment. The only thing you need is your payer account number, consisting of 10 digits.

To find out this number, just look at any earlier receipt for payment of housing and communal services, or aliment, as it is often called.

If you don’t have a receipt at hand, just call the Unified Information and Settlement Center (UIRC), give your residential address and passport details.

Order EPD on mos.ru

Mos.ru is the official website of the Mayor of Moscow, providing Muscovites with a range of electronic services. You can learn about them from.

To order an electronic EDP, you need to go to the “Services and Services” section - “Housing, Housing and Utilities, Yard” - “Popular in the section” - “Receive and pay a single payment document.”

The generated electronic receipt is immediately sent to your personal account on the website (pre-registration is required). You can immediately pay online using a bank card or print it out and take it with you to the bank.

Detailed video instructions:

In your personal account, you can make sure that an electronic EPD is automatically sent monthly to your email or account. To do this, go to your profile and select the “Notification Center” - “Notification Settings” section.

In the list of services, click on the item “Receive payment for an apartment - electronic EDP” and enter your email:

EPD via SMS

Send an SMS to the short number 7377 with the text: “rent n XXXXXXXXXX”, where XXXXXXXXXX is the ten-digit payer code.

Receiving EPD via USSD request

On your mobile phone, make a USSD request *377*5*3# and press the call button. After this, enter the 10-digit payer code.

Attention! All of your services are provided completely free of charge.

Kvartplata+: The City system has released a mobile payment service.
The “Rent+” application offers promotions to cancel commissions. Thus, without a commission, users of the application throughout Russia will be able to pay for housing and communal services using the details using the service “Payment for housing and communal services - RF”; transfer contributions for the dacha plot for the service “Garden and dacha societies - RF”. Residents of the Novosibirsk region can make utility payments without commission for the services of suppliers in their locality. Payers from the Khabarovsk Territory have the opportunity to pay without commission for hot water in favor of Far Eastern Generating Company JSC, contributions to the Capital Repair Fund of the Khabarovsk Territory. Current information about promotions in the “Rent Plata+” application is available in the news feed on kvartplata.ru.

You can make a payment for the service “Payment for housing and communal services - Russian Federation” using Visa, Mastercard, Maestro and Mir bank cards of any bank in the Russian Federation.

Let us remind you that this functionality is available in the City System thanks to integration with the directories of the State Information System for Housing and Communal Services (GIS Housing and Communal Services). Information with the details of the main suppliers of utility services comes to the City System from the GIS housing and communal services directories, which allows you to automatically fill in most of the details of the recipient of funds.

Federal System "Gorod" is the largest non-banking online platform for paying for housing and communal services. There are thousands of utility providers in the Payment Account, whose services can be paid at the address of residence or by the name of the service. But if any company is not on the list of service providers of the Federal System “City”, then you can make a payment using the service “Payment for housing and communal services - RF”.

For ease of searching, the service “ Payment for housing and communal services - Russian Federation» is displayed in the Payment Account when searching by address. You can also find a service by name by starting to enter one or more keywords of the service name in the City System.

Steps to register in the system and pay for services.

Registration in the City system must be completed using the phone number on the website
Login - phone number, initial password will be sent via SMS.
Opens PAYMENT ACCOUNT
And everything is clear there
Search for services/
Search by name/Type of service (select from the list or “all”)/Service (select from the list or “Payment for housing and communal services - RF”).
When you select “Payment for housing and communal services - RF”, the form posted by Revolution in the first comment opens (see below).

If the housing and utilities supplier is not on the list, then the system offers to send the details of this supplier to be included in the list.
Sent by email. mail to the address [email protected] , they added the first one in 2-3 days, the second one was already faster.
Here is the text of the message:
“Good evening! When generating a payment to the address “ХХХХХХХ”, the message “The supplier’s TIN is not in the directories of utility service providers...”
Service Provider: XXXXXXX
INN 1234567890
Checkpoint 123456789
BIC 042202803 Privolzhsky branch of PJSC "Promsvyazbank"
account 40702............
Address: XXXXXXXXX
Payment for: MSW removal
Please add this supplier to the directory."

PAYMENT:
Fill out this form, inserting the required details. There are restrictions on the number of characters in individual fields of this form (abbreviated, but without periods). The main thing is to indicate the personal account assigned by the service provider. Payments are posted according to the personal account number. Fill in all required fields of the form provided. Send payment to cart.
You can pay all payments from your shopping cart in one transaction, which is very convenient. Payment takes place from MCC 4900. Some banks charge CB for this MS.
When paying for other services, there may be a different MCC. In particular, when paying for municipal kindergarten mss 8351.

Banks charging CB for payment of housing and communal services/B]:
-Big cashback credit card from OTPbank from 07/01/2019 KB 1%;
- cards with the Heat category from Eastern CB 5% credit, CB 1% debit, when transferring salary/pension CB 5%);
-VseSrazu card from Rife KB 3.9 (debit), KB 5% (credit);
-Multicard from VTB CB 2%;
-Card Profitable Alpha Bank KB 2%;
-Pyaterochka Pochtabank CB 1%;
-Rocketbank - CB 1%.

[B] You can print a receipt for payment for services on the “Gazprombank” (Joint Stock Company) page, to which you will be redirected to make payment.
Also, copies of receipts for previously made payments are available at any time on the Payment History page. They can be saved and printed.
The finished receipt does not indicate the full name, the remaining data is present.

My experience of using this system, if any points appear in the future, I will make additions/adjustments here.
Please add your experience of using this system in the comments.

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.

Gone are the days when paying for housing and communal services required standing in a long line at the post office or Sberbank. A modern person knows how to value his time and... From this article you will learn the most convenient and profitable ways to pay for housing and communal services via the Internet..

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Payment methods for housing and communal services via the Internet

• Internet banking
• Electronic payment systems: Yandex.Money, Qiwi Visa Wallet
• Mobile bank
• Payment through the State Services website

Let's consider each of them in order.

Internet banking

(using the example of the Sberbank Online system)

Important!! Nowadays there are many fake sites on the Internet; look carefully at the address bar - the original address of the bank’s website always begins with https! This rule applies to website addresses of all payment systems.

Convenient and simple, especially if you receive your salary on a Sberbank (or other bank) card. Payment for services without commission. Fast, easy and profitable.

If necessary, you can activate the Autopayment service, more details about which can be found on your bank’s website.

Payment systems

Yandex money

In order to use this method, you must have an account in the Yandex.Money payment system. It is created very simply.

You open an email account on Yandex, go to the “Money” section and create a wallet. Link your wallet to your current mobile phone number.

To do this you need:

• Go to section Yandex money
• Select section "Goods and services"
• Select the service you need
• Enter your personal account number
• Check that the entered data is correct. Click the “Continue” button
• Confirm payment via SMS (SMS code will be sent to the phone number linked to your account)
• You receive confirmation that the payment has been successfully completed.

The money will be credited to your account within 1-3 business days. The maximum payment amount is up to 14,999 rubles. There are no commissions.

The operation is completed. If necessary, You can print the receipt later, which you will find in the “My Operations” section. Payment data is saved, next time you can simply repeat the payment by selecting it from the history or making it a template.

The method is convenient and profitable - provided that you have a Yandex Wallet, which regularly receives money.

It is not profitable to replenish your wallet through terminals; a commission is charged, and in most cases – quite a big one. But linking a bank card to a wallet does not make much sense, since most banks have Internet banking with the function of paying for housing and communal services, without commission.

Qiwi Wallet

The main advantages of all of these methods are speed, convenience and interactivity. Saving time and money is not so little.