Pay utility bills online. How to pay utility bills through Sberbank Online? What is needed to take advantage of the online payment option?

23.01.2024

Paying for utilities via the Internet is not yet popular in our country, and the reason for this is lack of knowledge of how to do it correctly. In fact, this is a very convenient service, besides, almost every home has access to the World Wide Web, but many still prefer to stand in line at the post office or at banks to pay receipts. Payment via the Internet is an equally reliable way to send funds to management companies, and here you can also print and save payment orders. So, how to pay for utilities via the Internet: all the ways.

Official sites

Almost every company has its own website; finding them is quite easy in two ways:

through a search engine;
find the information on the receipt.

If this resource exists, then you should definitely visit it, perhaps it provides a remote payment service. If it is not there, then there is probably information on how this can be done.

When paying for any services online, be sure to print out receipts and keep them at least 3 years.

Internet banking

Clients of Russian banks have a unique opportunity to pay utility bills through Internet banking. This is a remote service that allows you to manage your accounts without leaving your home, and you can use it to send any payments.

The undoubted leader among Russian financial organizations is Sberbank of Russia; almost every adult resident of our country has a plastic bank card, and has heard about such services as Sberbank.Online or Mobile Bank. So, using Sberbank.Online you can send payments for utility services. Or, even simpler connect auto payment, then you can forget about payment altogether, the funds will be automatically debited from the payer’s account and transferred to the recipient.

This is the most reliable method of payment through Internet banking, because in case of disputes, it is enough to request a payment report at a bank branch, and it is not necessary to store receipts.

Electronic payment systems

We are talking about electronic wallets here. Yandex.Money or WebMoney, with their help you can pay your mobile phone bill, bank loans, and pay for purchases in online stores. You can also pay for housing and communal services using a personal account.

How to pay utility bills using the example of the Yandex.Money e-wallet:

Log in using your account.
Select the “Products and Services” category.
Select the “Housing and Utilities” category and find the organization in the list, if it is there.
If the company you need is not available, go to the bottom of the page and enter the organization’s TIN in the designated field; it can be found on the receipt.
In the field that opens, check the organization’s current account with what is indicated in the receipt, if everything is correct, click “Continue”.
When a new field opens, go down to the last line “Category” and select “Housing and communal services”, then fill out all the fields, be sure to enter your personal account number.
Then click pay.

Please note - here you can pay for utilities via the Internet with a bank card, or write off funds from an electronic wallet.

You can use the WebMoney electronic payment system in a similar way. But there is a commission for transferring money, and the funds will arrive in the recipient’s account within a few days. By the way, do not forget to print out receipts, they will serve as evidence of payment.

State Services Portal

Recently, residents of our country can find out about their debts through the State Services portal. Here you can also send payments using bank cards; all payment information will be stored on the payer’s personal account page.

Using the service is quite simple, but first you need to go through a simple registration procedure. After this, you need to log into your account, find the section “ Accruals" and go to the tab " Payment for services" Next, a list of companies will appear from which you need to select your service provider, then enter your personal account number.

Next, you need to check all the details and pay for services using a bank card. Please fill out all fields carefully to avoid errors and enter meter readings if necessary. Then send the payment and wait until the transaction is completed, after which you can print the receipt. All payment data is saved in your personal account, so next time there will be no need to fill out all the details again.

Please note that paying for housing and communal services via the Internet without a commission from a bank card is impossible, because the bank charges a percentage for the transfer.

Unfortunately, at the moment, not all residents of our country are able to pay for housing and communal services through the State Services portal.

Universal payment systems

Here we are talking about payment systems such as Oplatil.ru or Platfon.ru, mainly bank card owners know about these services. On these sites you can pay for any services: from mobile communications to housing and communal services.

Please note that the choice of payment system depends on which one your bank card is linked to.

In fact, paying utility bills via the Internet is quick and convenient, and also reliable. But do not forget to make sure that the payment reaches the recipient; to do this, you need to periodically check whether a debt has arisen to a particular company. In any case, keeping all checks and receipts will help avoid controversial situations, and if you can’t print them, you can apply for a statement from the bank from whose card the funds were written off.

Nowadays, it is not at all necessary to stand in queues for a long time and calculate payments using meters. You just need to have an Internet connection at home and have a receipt for utility bills for the past month. In this article, you will learn how to pay for utilities through the most popular sites, as well as set up auto-payment. All you need is ten minutes of time.

How to pay utility bills via the Internet – Sberbank Online

The most popular method remains direct replenishment from a bank card. You can even use your account if it is linked to your personal account. Please note that “Thank you” bonuses from Sberbank cannot be used to pay utility bills.

Log in to your personal account after logging in to the system. In the header of the site, find the “Transfers and Payments” section.

You will find yourself on a page with all possible options for transferring funds from the card. Scroll down the page until you see the “Payment for purchases and services” section.

Among all the sections, you need to find “Housing and communal services and home telephone”; click on the title of the section, and not on the items below it.

Here you can use the search bar if you remember the name of the management company. Sometimes it is indicated directly on the receipt. If you are not sure of your decision, then go to the “Rent” tab.

All companies in your region will appear in front of you. Choose the one that your home belongs to. Even at this stage, you have the opportunity to use a search by name, current account or TIN of the organization.

By clicking on the desired company, you will be redirected to a page to fill out all the necessary information. You need to select the service and card from which the payment will be made. Afterwards, enter your personal account.

All that remains is to confirm the operation via SMS notification. Enter the verification code in the special field on the screen and your payment will be sent. Tracking takes place directly in your Sberbank Online personal account; if necessary, you can request a receipt to your email address.
The bank also offers automatic payment for utilities. By using this option, you will not forget to pay your tariffs on time, and also free yourself from unnecessary hassle. Just pay attention to the right menu list, in the “My auto payments” section, click on the “Connect auto payment” item and enter all the necessary information.

Using Sberbank Online to pay for housing and utility services is reliable and comfortable, since you have the opportunity to receive all the necessary statements, receipts, and have access to tracking the replenishment procedure and setting up auto-payment.

How to pay utility bills via the Internet – Webmoney

An equally common method is that many people find it much more convenient to use electronic wallets to pay utility bills. Try this method too, perhaps it will stick for a long time.

Log in to the system and go to your WebMoney wallet. In the leftmost list of icons, click on payment for services, this is a picture with four small ones inside.

Go to the “Utilities” section.

Enter your management company into the site search, or select from the list below.

At the next stage you will have to enter all the necessary data:

the exact period for which the payment is made;
your region;
meter readings, if necessary;
all payment information;
sum.

Confirm the operation.

How to pay utility bills online – Qiwi

This method is especially simple, since the Qiwi account is linked only to your phone number. You can easily top it up through payment terminals in your city.

Next, find the window called “Utility payments”, immediately select “All organizations”.

If your management company is not on this list, do not worry, as you can make a payment using the details. To do this, click on the most recent option.

You will have to fill in complete payment information, including the recipient's account details and amount.

The Qiwi service charges a commission of 2% of the payment amount plus 15 rubles. Please note that the payment must be in the range from one ruble to fifteen thousand.

In addition, your city may have its own housing and communal services payment system; check this option with the municipal authority at your place of residence.

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

How to pay utilities

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

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

Payment of utilities without commission

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

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

Payment of housing and communal services via the Internet without commission

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

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

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

Through Sberbank Online

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

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

Electronic payment systems

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

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

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

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

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

So, today we will figure out how to pay for housing and communal services through online Sberbank. This question worries, perhaps, many plastic card holders who have excellent computer skills. After all, paying rent and other bills at the post office is a thing of the past. And this approach is not entirely convenient for the modern world. It often takes the whole day to pay the receipt. Who will like it? So you have to figure out how to pay for housing and communal services through online Sberbank. Let's try to understand this difficult issue.

Authorization

The first thing we need is to register in the Sberbank Online service, and then go through authorization there. Recently, when you receive plastic cards, you are automatically asked to go through this process. Directly at the bank, the consultant will quickly link the phone number to the service, after which he will provide you with authorization data. And that’s it, you can continue to think about how to pay your housing and communal services debt through Sberbank online, as well as all other receipts.

If the service has a personal account, then simply log in. Enter your identification code (simply a login) on the official Sberbank Online page, and then enter your password below. A message with a special secret code will be sent to your mobile phone. Enter it in the appropriate box. This is confirmation that a real user has decided to use the services. Ready? Then let's move on.

Select payment

Well, there is nothing difficult in the further process. Especially if you know exactly how to pay bills. Let's start by trying to use the simplest method - direct selection of the recipient.

Take the necessary receipts in your hands. For example, an electricity bill. Now go to your personal account on the Sberbank website. Next, you will have to click on the “Payments and Transfers” section. How through Sberbank online? To do this, pay attention to the corresponding section on the site in the selected branch. There will be an inscription “Housing and communal services and home telephone”. And under it there are various sections of services. In our case, you need to select "Electricity".

Please note: you can easily and simply select any service that you may need using navigation on the site. The main thing is to have the appropriate receipts. In this case, debts will be calculated directly when filling out the details. Have you decided on how to pay your bill? Then we move on to the more complex part of the process.

Recipient

It's about choosing the recipient. Make sure your city is recorded in the settings. If it is incorrect, click on the inscription and then correct it. But, as practice shows, the city of residence is selected automatically.

After clicking on "Electricity" (in our case), you will have a small list of possible recipients. Here you will have to refer to the sent receipt. See which company serves you and then click on it. This way the most difficult part will be completed.

Why is it considered difficult? All due to the difficulty of finding a recipient in some cases. Then it is very difficult to answer the question of how to pay for housing and communal services through Sberbank (online) step by step. After all, it is not always possible to find a recipient on the list, as has already been noted. What to do if you were unable to quickly find the one you needed among the recipients? How to pay a housing and communal services receipt through Sberbank Online in this case?

Search

Automatic search will do. It is located above the given list. This line contains a hint on how to complete the request. You can type there the name of the service company, as well as the recipient’s TIN or current account. All information is provided in

Be careful - it's about the recipient, not you. To search by TIN or account, you will have to provide information about the organization. Otherwise, the search will not return any results. As soon as you enter the required data, press Enter or the corresponding button to carry out the process. The result will not be long in coming. If everything is written correctly, then only one organization that meets the entered requirements will appear under the search line. Just the one we need. Select it by clicking the mouse button. Next we move on to the next step.

Filling in details

We are talking about filling out the details. How to pay for housing and communal services through Sberbank online? After all, there is a lot of data issued for a novice user in receipts. And it is extremely difficult to understand them.

Fortunately, there is some kind of help on the Sberbank Online website. In it you will find all the necessary examples of data, where exactly on the receipt they are located and what they are called. In addition, in most cases it is enough to simply enter the client in the appropriate field. For example, when paying for electricity. All calculations will be made automatically.

In addition, you can also select the “Deposit an arbitrary amount” option. Then there will be no calculations for paying for housing and communal services; you enter the necessary numbers yourself. A very relevant offer that helps you pay it forward. Have you filled in all the details? Then click on "Continue".

Confirmation and settlement

There are two simple steps left to go through. If all the details have been filled out correctly, the Sberbank system will take you to the data verification page. There you should see if everything is written correctly - the recipient, your home address, the recipient company, as well as the amount to be paid. This is especially necessary when introducing an arbitrary amount of funds.

Once you are sure the details are correct, click on “Confirm via SMS”. You will receive a special security code on your mobile phone. It is entered into the appropriate field on the page (appears after clicking). All that remains is to click on “Confirm” after completing the actions. Bills are paid!

Now you will see a page with a paid receipt on it. To print a receipt, click on “Print receipt”. Select a printer from the menu that opens and click on “Print”. Problem solved.

To avoid constantly searching for your recipient several times, just click on “Save template” at the bottom of the payment screen. In this case, all details are saved. For subsequent payments, you simply need to select the appropriate receipt in the templates, check the correctness of the calculations, and then confirm the operation. Nothing complicated. Now we know how to pay for housing and communal services through Sberbank online.

In order for citizens to avoid difficulties and conflicts with government agencies, they need to know how to pay utility bills on time and correctly. These include gas supply, electricity, water supply (cold and hot), sewerage and heating. In addition, utility services include procedures for garbage removal and cleaning of the local area.

The tariff for each service provided is set by the executive body, energy commissions and local administration, which in their decisions refer to the current acts of Russian legislation. On their basis, preventive measures are taken against defaulters.

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

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Payment via cash register

The most famous and familiar to many is the option of paying utility bills through a postal or bank office. To do this, citizens should go to the nearest post office or bank office with books for payment and hand them over to the employee in turn, along with the money. The branch employee will carry out all the necessary actions and issue receipts with dates, payment amounts and stamps.

This option has long been proven and reliable, and no additional knowledge is required from the person. All you have to do is fill out the books, submit and pay. But, at the same time, given the availability of modern technologies, it would be much more convenient to pay for utilities through the terminal. The disadvantage of postal and bank cash desks is that people waste their time going to the branch, standing in queues and slow service. As a result, the person’s mood is spoiled and at least an hour is lost.

When paying through a cash register, as well as through a terminal or the Internet, you should not forget about the small percentage that is deducted from the payment amount. It ranges from one to five percent, which must be warned about before payment.

ATMs

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

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

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

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

Payment terminals

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

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

The terminal only accepts banknotes when paying in cash. Please note that the terminal does not issue change. That is, if one payment amount is indicated, and a banknote is deposited with a higher denomination, most likely, the allotted change will go to waste. This is definitely a small drawback. In addition, the terminal usually charges a slightly higher commission than at the cash register, about which a corresponding message will be displayed before the money is deposited.

Internet banking and blitz payment

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

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

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

Internet systems

In addition to the fact that there is a cash register, a terminal, an ATM, and Internet banking, the Internet also provides many other opportunities to pay for utilities correctly, on time and quickly. For example, an equally reliable option is to pay on the website directly to the provider of a particular service. This can also be done through your personal account after registering on the site. There you can also see the amount of debt, find out about changes in tariffs, etc. The disadvantage of this option is that to pay for each service you need to register on all websites, that is, on the website of the supplier of gas, water, electricity, heat, etc. And you will also have to pay by going to each site.

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

In any case, when making payments yourself, you must be extremely careful when entering any information. One wrong number and the payment will be misdirected.

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