In the world of modern technology, many useful skills and opportunities are available to people. One of these advantages is paying for utilities using the Internet. Sberbank's online website allows users to quickly and conveniently pay for all utilities without leaving their home.
Paying payments using the convenient and fast program presented by Sberbank will not force you to stand in huge queues at the bank or wait until the ATM terminal is free. Now you can manage your accounts through Sberbank online.
Many may think that this method of paying for utilities is unsafe, but Sberbank guarantees complete protection and confidentiality of its clients’ data. You, of course, can continue to use the old methods to pay for utilities, come to institutions again and again and make payments through the terminal, but if you use the service offered by Sberbank, you will greatly simplify the monthly bill payment procedure by carrying out it at home, online.
How to pay utility bills through Sberbank
First of all, for various operations related to bank payments, in the application or on the website, you need to connect to a service called “Sberbank Online”, for this you will need:
- bank card from Sberbank;
- “Mobile Banking” option. Each bank client can connect it in the terminal or in any bank branch, after consulting with the operator. The service will greatly facilitate any tasks related to payments and transfers.
Is it possible to pay for any other payments that are due in the utility sector in this way? It is possible not only to make regular payments, but also to pay off fines. After you connect all the necessary parameters, you can use the step-by-step instructions and pay for utilities:
- Log in to the Sberbank Online system.
- We enter a special code and a personal permanent password, which you will receive after connecting to mobile banking.
- We confirm your login. There are two confirmation methods: a one-time password from a receipt or via SMS.
- We are opening a Sberbank personal account.
- Go to the “Payments and Transfers” tab.
- Select the “Utility Payments” service.
- Find the “Rent” menu in the list and select the service provider. If you cannot find a service in the list provided, use the search.
- Then you should fill in the payment details. Select a card and enter the data indicated on the utility bill receipt.
- We check the write-off amount and the amount owed. Here you should be especially careful; the debt figure must exactly match the write-off amount.
- We confirm the payment. After checking, we confirm the debit, an SMS with a confirmation code will be sent to your mobile phone.
After completing all these steps, you should save the payment as a separate document and also print the receipt. It is better to always have a confirmation template on hand; it will be the most important proof of payment of utility bills. If you do not have a home printer, you can print checks through special centers in any other place, you just need to save the electronic version of the confirmation and then print it.
The Sberbank Online service also allows you to create an option for standing payments if you make transfers using the same details every month. In other words, you don’t have to do anything at all - the program will automatically and regularly write off the required amounts. This is the most profitable way to save your time.
Paying utility bills using Internet banking is a simple and accessible option to save time for citizens who now don’t have to go to the bank or stand in lines at the cash desk. Every Sberbank client, without exception, can use this service. This type of payment is especially suitable for busy clients or retirees.
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Sberbank charges a certain commission when paying for utilities. The amount of the fee varies depending on the methods of payment transactions. In order to understand how Sberbank charges commission when paying receipts, you need to consider several of these methods.
At a bank branch
This is the most common way to pay for utilities. All you have to do is go to the nearest office and pay for services at the cash desk. After completing the cash transaction, a receipt will be provided. For many, this is the most reliable and convenient type of payment.
What disadvantages can be identified:
- wasting a lot of time due to queues;
- personal factor (not all cashiers can quickly cope with the job);
- the commission is quite high - 3%.
This type of payment will save time and will not cause hassle. Plastic cards and banknotes are accepted. There is a limit on the amount - 15,000 rubles. The commission fee will be reduced to 2% of the total amount.
What do we have to do?
- If you choose to pay by card, place it in the device and enter the password.
- In the menu that opens, go to the “Utility Payments” section and select the required one in the list of organizations.
- Then the system will request your personal account details.
- At the next stage, all information about the client, metering data and possible debt will appear.
- Carefully study all the data on the screen, correct any shortcomings and indicate the amount of money to transfer.
- Click on the corresponding “Pay” menu field.
- When using a plastic card, funds will be debited automatically. If cash is used, it must be placed in a special slot in the terminal.
- Don't forget to pick up the receipt and keep it as proof of the transaction.
Using an ATM
In this case, you only need a bank card.
After identifying the card, select the desired service and institution in the main menu. Enter 10 characters of the payer’s personal code.
The amount for payment will appear on the screen, which must be made by pressing the “Pay” button. The funds will be debited instantly.
This method will allow you to pay for services quickly and at any time. Not all ATMs have this feature. The commission will be 5%.
Using the Sberbank online service
This is the most convenient way. You can pay any bills around the clock, without leaving your home. All you need is an internet connection.
Registration in this system will not take much time. Sberbank online makes it possible to create templates for each transaction to pay for utility services, in which all payment data will already be indicated in advance. This can save time on subsequent payments by not having to enter all the required information again.
The Sberbank-online system does not charge a commission on payments, which has made this type of payment very popular.
Anyone who has a plastic card can afford to use all the options of this system. You just need to first obtain an ID and password to use the service.
All payment methods for receipts offered by the bank are convenient in their own way. You will have to pay the smallest commission when using terminals. You can avoid paying commissions altogether by using the Sberbank-online system.
Basically, when Russians pay various bills, receipts, transfer money or withdraw money, they go to the cash desk of the relevant institution, post office, or use online methods. What commission Sberbank charges depends on the purpose of the payment and the payment method. The region and recipient also matter.
Payment for services
There are no fees charged at all for some receipts. These include the following services.
- There is no need to pay extra when you top up your or any other mobile phone number. This can be easily implemented either through Sberbank online, mobile banking or an ATM.
- As for housing and communal services, whether the operation is paid or free depends on the relationships that have been established and the utility organizations with Sberbank. Payments can also be made in different modes (online, at the cash register or at the post office).
- With regard to payment for television services, the same procedure applies as in the case of housing and communal services.
- But for receipts for traffic police fines, the operator can charge from 2% to 3%, but if you issue the same through the terminal, the rate will drop to 1% - 2%.
- All taxes are carried out by Sberbank free of charge, regardless of how it is implemented. Payments can be transferred using the previous method, as well as by downloading a special application on your mobile device. However, in addition to paying through the cash register, the tax can only be paid if the citizen is a client of Sberbank and has the appropriate card. When using the method through Sberbank-online, payment can be made free of charge or a commission of up to 1% will be charged. One way or another, it will not be higher than 500 rubles.
There is also an AutoPay app. It is used to pay for mobile communications and housing and communal services.
Cash withdrawal
In addition to what commission the bank charges for paying various receipts, citizens are also interested in such a pressing issue as cash withdrawal. Not in all situations it is possible to pay using a plastic card. Therefore, sometimes there is a need to get cash from it, and you also need to know whether the operation is free or interest is charged for it.
However, answering this question is not so simple. There are many nuances that need to be taken into account. For example, one option is when they withdraw money from a Sberbank ATM using its own card, and a completely different one when the card belongs to one of the bank’s partners.
Many are still wondering whether it is really the banking organization that is now withdrawing additional money for this operation. This is true. However, in some cases the commission may not be charged.
Commission for a large amount
Basically, cardholders today do not even think about whether additional money will be withdrawn or not, especially if they have a debit card. When you receive money from a Sberbank card of the same name at an ATM, you usually do not charge interest. However, unfortunately, this has rather become an exception to the rule.
So, even from an ATM of the same name you will have to leave a commission when withdrawing a large amount of money. So, if you need to receive 300,000 rubles at once, then you pay an additional 0.5%. But here you also need to take into account the map itself. Depending on its “status,” the limit that can be received per day also varies. In simple options, if you exceed 150,000 rubles per month, a commission will also be charged.
Withdrawal from a credit card
Sometimes cash is obtained by charging a credit card. But in this case, the commission is charged regardless of the amount, and in any case. Many citizens have noticed that doing this is very unprofitable, since the costs end up being quite significant. At the terminals, 3% of the total amount of cash will be withdrawn, be it 3 thousand rubles or 300 thousand rubles. At the same time, there is a minimum commission, the amount of which is 390 rubles. Therefore, receiving small amounts is even more unprofitable.
Naturally, if an ATM belonging to another bank is used, the percentage will increase even more. As a rule, it will be 4%. But, just as in the previous case, there remains a minimum commission of 390 rubles. Therefore, it is more profitable to use a “native” ATM.
Using other cards
Situations arise when you need to receive money through a Sberbank terminal using a plastic card from another bank. Then the commission of any bank will be from 2% to 3%, and the minimum amount is set for each of them individually. This information can be obtained from your bank. Also, in addition to the commission, some cards have limits beyond which you simply cannot withdraw money.
Translation
Another operation that may be required is to transfer money from a Sberbank card to a card or account of another bank. This can be done through the terminal, on the Internet using the Sberbank service - online or directly at the branch. In this case, the operations that determine what commission Sberbank will charge may be as follows.
- Payments in foreign currency or rubles.
- Through account or in cash.
- One of the ways is on the Internet, at an ATM or at a cash register.
- In the city or outside it.
- Your own or another person's account.
- To the account of a legal entity with which Sberbank has or does not have agreements.
For transferred payments in rubles and relating to individuals, the commission may be as follows:
- An amount of no more than 30 thousand rubles is transferred from the card to the number, through online banking, the commission is 1.5%;
- from an account to another account it will be 2%, and if the operation is carried out through the Personal Account, then 1%;
- Sberbank charges a commission at different rates for cash transfers (1.75% through your card, 2% when sending a transfer to the card of another banking organization).
The amount also depends on other parameters. Therefore, if you are about to carry out some operation for the first time, you can contact the organization’s contact center. But in any case, the commission will be less than the one that will be charged when paying through the cash register.
Conclusion
Thus, the percentage that Sberbank takes for transferring money, withdrawing cash, paying for some services or when exchanging currency will be lower than in cases where payment is made through an operator. In some cases, to find out what commission should be paid, it is more convenient to contact the nearest bank branch or by calling 8-800-555-55-50. The call is free.
When making monthly payments, each of us wants to pay as few commissions to the bank as possible. We should start the conversation with the fact that in different regions, different cities there may be different opportunities. Firstly, the presence of banks. Secondly, their tariffs and the availability of remote channels.
Let us immediately note (regardless of which bank we choose) that using remote channels to access your account will significantly reduce our costs. It's easy to explain.
By offering such technology, credit institutions transfer work to machines, freeing up staff and accordingly reducing their operating costs. Accordingly, if you pay for the same service through an operator or through your Personal Account in Internet banking, you will be charged different amounts for this.
Let's compare the offers of several large banks: VTB24, Sberbank of Russia, Alfa Bank, Bank of Moscow.
- VTB 24. Transferring payments to the accounts of legal entities through a cashier will cost us 1.5% of the transfer amount. Using the Telebank and Teleinfo services will allow you to save significantly. Transactions in the amount of up to three thousand rubles cost a fixed 20 rubles, above - 0.6%.
- Sberbank of Russia charges a commission taking into account the presence or absence of agreements with the recipient party. This value may vary depending on the specific region. Through a cashier, the transaction will cost from 2 to 3 percent. Through Sberbank online, ATMs and terminals - from 0 to 1%.
- Alfa Bank. Through the Alfa-Click service, depending on the package connected to the client, the bank writes off a commission in the amount of 29 rubles per payment or makes it free of charge.
- Bank of Moscow. This bank has a program designed for retirees. For them, having a capital resident card (social card) allows them to pay for utilities for free. For all other payers - from 0.3 to 1.5%.
Most Russians prefer to make payments through Sberbank branches, and this is completely logical - its branches are in every locality, and in large cities the number of offices can be several dozen. Convenience comes first for many of us, and therefore it is most convenient to contact this company.
What will you need for payment? Your passport as a citizen of the Russian Federation or other identification document, as well as the details of the recipient - an individual or organization to whom you need to transfer money.
If you need to pay for housing and communal services, then in this case you need to take a payment card with you, and it is with it that the employees will make the payment. If the branch has ATMs equipped with a system for reading the barcode on the receipt, then you can pay the rent yourself without queuing; instructions are given here.
How will the commission be determined? Everything will depend on the region in which the recipient is located (i.e. where he opened his account) and on whether he has an agreement with Sberbank to make payments. In the first case, the commission is calculated individually, it will be no more than 2% of the transfer amount, in the second it will be carried out without charging any additional fee.
It remains only to note that not a single bank charges commissions for making budget payments.
A commission is a percentage of the total transaction amount that is paid to the provider of any service directly related to this transaction.
In other words, a commission is a reward for a third party who facilitates a monetary transaction.
Commission is the engine of mediation, allowing you to receive money not only for goods, but also for services, which can be expressed in different ways - this could be bringing two parties together or, for example, providing classified assistance in difficult to resolve issues.
What is the Sberbank commission for paying housing and communal services bills?
What is the percentage of commission in Sberbank when paying for housing and communal services? Currently, Sberbank takes a commission when paying for housing and communal services (a certain percentage), although it is worth noting that its amount is influenced by the chosen payment methods.
Below is a list of payment methods for utility services and their fees.
Payment via cash register
This option is the oldest, and for a long period was the only way to pay utilities. All that is required is to come to any bank branch, stand in line if necessary and pay for the services. Commission: 3% of the paid amount.
Payment via terminal
Sberbank terminals are available in every city. This is an easily accessible way to pay for services. You can pay utility bills either in cash or by credit card. Commission: 2% of the payment.
IMPORTANT! The maximum amount for payment is 15 thousand rubles.
ATM
The method is mainly more convenient for bank card holders, because without it it is impossible to pay for utilities. Commission: 1-2%
ATTENTION! Not all ATMs have a service payment option.
Sberbank Online
Sberbank's commission when paying housing and communal services receipts through Sberbank online has been gaining popularity recently.
When paying for housing and communal services in Sberbank online, there are two huge advantages: fast payment processing speed and low commission.
What is the commission when paying for housing and communal services through Sberbank online and is it charged? Commission: does not exceed 1%.
Is there a commission when paying for housing and communal services through Sberbank online? There is no commission in cases of transferring money for charitable purposes or for paying taxes.
Using the system is quite simple:
- Register on the resource website.
- Go to the “Transfers and Payments” tab.
- Select the required organization. To do this, you need to enter some data: the type of service required, personal account number or TIN number.
- Write down the meter readings.
- The last thing that remains is to check the status of the operation.
Unfortunately, a significant disadvantage is that the system requires the Internet to work. Access to the system is given only to those citizens who have activated the “Mobile Bank” option and opened an account with the bank.
Auto payment
Autopayment from Sberbank stands out due to its convenient autonomy - after connecting, you don’t have to worry about payments and everything connected with them: queues, monthly trips to the bank, etc.
You only need to set up the payment once, and then you only need to confirm the debiting of funds to pay for utilities once a month. Commission: varies from 0 to 1%. The maximum commission does not exceed 1000 rubles. It is worth noting that in this case the commission is significantly less than when paying at the cash register.
ATTENTION! Autopayment does not have a subscription fee - the option is provided free of charge.
Payment methods without commission
Why pay more if you have the opportunity not to overpay? Below is a list of ways to legally evade commission:
- PAYQR is an application for smartphones that makes it possible to pay utility bills without any commission. Payment is made using a QR code.
After installing the application, you need to point at the QR code of the receipt, then confirm your payment details and enter your personal information. The last step: select a bank card and confirm payment.
- kvartplata.beeline.ru is a service of the cellular operator Beeline. On the site you can pay for housing and communal services without commission, but under one condition - you need to be a Beeline subscriber, and also have a certain amount on your phone account.
The downside is that you can pay for the services of only a few providers.
- Some websites of supplying organizations also make it possible to pay for services without commission. For example, you can pay for electricity on the Mosenergosbyt website, and for gas on the Mosoblgaz website. In this case there will be no commission.
- The government services website (gosuslugi.ru) also allows you not to pay a commission when paying. However, this does not happen in all cases: sometimes banks and supply organizations may require payment of a commission.
The disadvantage of the portal is long registration and excessive cumbersomeness.
IMPORTANT! There is no commission when paying for services with a Bank of Moscow card.
Thus, there are many ways to pay for utilities: from a regular cash register to online payments on the Sberbank website. In most methods there is a commission, but still in some it is ridiculously small. Also, don’t forget about ways to help you forget about the commission - their importance is difficult to overestimate.
Any Russian is faced with the need to pay utility bills. Many of them prefer to do this through Sberbank. Not everyone knows what percentage Sberbank takes for paying bills.
Interest on paying bills through Sberbank: repayment methods
It is very important to pay your receipts on time. This is provided for by the Housing Code of the Russian Federation, namely Article 155. Payment must be made no later than the 10th of the next month. Every month, payers receive corresponding receipts, which contain all the information about the debt. Its size is established in accordance with Article 157 of the Housing Code of the Russian Federation.
Today, Russian citizens have the opportunity to pay receipts at Sberbank in the following ways:
- through a cash desk at any bank branch;
- through terminals or ATMs;
- through your personal account in the Sberbank Online system;
- through a mobile application;
- by setting up auto payment in advance.
Commission amount
Any of these payment methods requires payment of a certain commission. The most unprofitable way is to pay off debt through the cash register. The commission there is 3%. When using a terminal or ATM, it is slightly lower - 2%. A more profitable method is auto payment. There the commission is 1%.
Payment via cash register
Until recently, this method was the only one. Its undoubted advantage is that payment is made specifically for the amount indicated on the receipt. The operator hands over change if necessary. To pay off debt in this way you must:
- Taking the receipt, go to the nearest Sberbank branch.
- Get in line at any of the ticket offices. If provided, you must take a ticket through a special electronic system.
- Give the cashier the receipt and money. In this case, he will have to issue a receipt indicating the exact date of the transaction and affixing a stamp.
Today, receipts are mostly paid through the cash register by pensioners due to the fact that they do not know how to work with electronic systems.
Payment via terminal
A person can pay the receipt independently through the terminal. You can use your own card or cash. Pay for 1 service at a time in the amount of more than 15 thousand rubles.
To work with the terminal you will need the receipt itself. It has a special barcode that must be brought to the terminal. All information will be read by him using a special scanner.
To pay a receipt through the terminal, you need:
- Insert card (if payment is made in cash, this step is skipped).
- In the menu, find the “Utility Payments” item.
- Select the organization providing the service through which the payment is made.
- Present the receipt to the reading device or manually enter your own personal account number.
- Information about the payer will be displayed, including the latest readings and the amount of debt, if about us. In this window, you need to check the information for compliance and enter new readings along with the deposited amount.
- Click "Pay".
- If payment is made by card, the specified amount is debited from the account. If you are depositing money, you must place cash in the bill acceptor. Remember that terminals do not give change!
- Next, the terminal will print a receipt.
You can make a payment at any time of the day, which is a definite plus.
Payment via ATM
This method is practically no different from the previous one. You can pay bills at an ATM only using a Sberbank card. This device does not have a barcode reader, which necessitates the need to enter the payer number manually.
Today, almost all ATMs are equipped with receipt payment functionality. It is very important to check your payment details and payment amounts before confirming your payment.
Payment via Sberbank Online
This method is the most profitable. And it’s not even so much about the minimum commission. You can pay absolutely any utility bills through your personal account. There is no need to leave the house, stand in line or wait until lunch is over. Online payment saves a lot of time.
In addition, today such operations are under reliable protection. The account has a personal password, and each operation is confirmed with a one-time code. In this case, funds for the operation are credited instantly, without any delays. Commission when paying from your personal account is 0%.
A user who wants to pay utility bills through Sberbank Online must:
- have a Sberbank card;
- be connected to the Mobile Bank to receive one-time passwords to confirm transactions;
- have an account in the online system.
To pay a receipt through your Sberbank Online personal account, you need to:
- Log in to the system.
- Select the “Transfers and Payments” tab.
- In the menu that appears, select the appropriate item. In this case it will be “Housing and communal services and home telephone”.
- A list of services for which it is possible to make a payment will appear on the screen. You can find a suitable organization through the type of service provided, its tax identification number or the personal account of the payer itself.
- Next, enter the necessary details. This is, firstly, the payer’s personal bank account, and secondly, the receipt number. All other details do not need to be entered; they will be generated by the system automatically. The main thing is not to forget to check them.
- You need to enter new readings and confirm payment. Don't forget that you will need a special one-time password for this.
You can verify payment through history. There, each operation has its own status. If everything was done correctly, then it should read: “fulfilled.” If desired, the payment receipt can be printed.
Without a sufficient amount on the card, such an operation will not be possible, so you will need to take care of this in advance.
Every resident of the country has to pay for housing and communal services once a month. Many do this with the help of Sberbank, which is explained by the large number of branches of this financial institution in the cities of the country. But not everyone knows how much interest Sberbank takes for paying utility bills for housing and communal services.
The receipt received must be paid on time. This nuance is regulated at the legislative level. How much time is given for such an action? Once you receive the invoice form, you must pay it before the 10th day of the new month. Receipts are sent to payers every month. They contain the amount to be paid and other information.
To pay your bill, you can use:
- Cash desk at one of the branches of a financial institution;
- Terminal or ATM;
- Mobile application.
But perhaps the best way is to pay for housing and communal services through Sberbank Online. In addition, clients of this bank can activate the automatic payment function by using this service. In this case, everything will happen automatically.
Whatever method the payer chooses, he will have to pay a commission for such an action. The usual method of paying through the cash register is the most unprofitable. The interest rate for utility bills at Sberbank, that is, at the cash desk, is 3%. If you use an ATM or terminal, the commission will be two percent. The most profitable way is to use "". In this case, the commission is zero percent. But, when you activate autopayment, you will have to pay 1% of each transaction.
Payment via cash register
Just a few years ago, the only way to pay for housing and communal services was through a cash register. The peculiarity and advantage of the method is the deposit of the exact amount indicated on the receipt, with the opportunity to receive change. But with the advent of new methods, cash registers began to lose popularity among the population. Today, they are mostly used by pensioners who do not have access to the Internet.
To pay utility bills at the cash desk you must:
- Come to the bank branch, taking the receipt with you;
- Take a place in line in front of the cash register, if there is one (in most cases there is);
- When it’s your turn, you need to hand over the receipt along with the funds to the cashier. He will carry out the operation and issue a new receipt with the date of payment.
It should be noted that this method is expensive both in terms of time (queue) and in terms of finances (commission for payment is 3%).
Using a terminal
It is also possible to perform a similar action through the terminal. With its help you can pay for services worth more than 15 thousand rubles. But to work with such a device, you must have a receipt with you. The fact is that there are barcodes on it, which the device reads using a scanner.
Procedure:
- In the device menu, select “Utilities”;
- Next, choose a company that provides housing and communal services;
- After this, you need to lean the receipt against the terminal scanner;
- In the window that appears, check whether the information is correct and fill in the appropriate fields. Next, click on the “Pay” button;
- If plastic was used to operate the terminal, the system itself will withdraw money from it. If not, the user will have to deposit cash into a special bill acceptor.
After the operation is completed, the terminal will print a receipt. You can make a payment transaction at any time of the day.
You can also use ATM instead of a terminal. But there is one nuance here. The ATM does not accept cash, so you must have plastic. In addition, the user will have to independently enter the number under which he is in the database, since such devices are not equipped with scanners. In this case, as in the previous case, all data should be carefully checked before sending the payment.
Through “Personal Account” Sberbank Online
This method is the most profitable. Firstly, this way you can save personal time. Secondly, the percentage for paying for housing and communal services in this way is zero percent. The user can perform all the necessary actions for payment on the Internet, while at home or at work.
Some bank clients have concerns about the security of financial transactions on the Internet. In the case of Sberbank Online, there is no reason to worry. The system is perfectly protected. You can access your account only after entering a special password. In addition, with each login attempt, the bank sends a special code to the number linked to the client’s plastic card.
Therefore, there is no need to worry about the security of personal data and finances. In addition, as already mentioned, the bank does not charge a commission for payments made in the “Personal Account”. All you need to use the service is to have a bank account, be connected to the Mobile Bank system and have an account in your Personal Account.
The procedure for working with the service is as follows:
- Go through the authorization procedure;
- Go to the “Translations...” section;
- In it find the item “Housing and communal services...”;
- After this, the user’s screen will display a list of services for which he can pay. Based on the type of work provided by the company or its IIN, the user will be able to find the organization he needs;
- When the desired company is found, the user will only have to enter his account number and the number that is printed on the receipt;
- After entering all the data and confirming payment, the payment will be sent. Before sending, the user will have to enter the code that the bank will send to him.
After completing the payment sending procedure, the user can print a receipt in Sberbank Online. To do this, just click on “Print” in the new window.