How to pay for utilities over the Internet. How to pay utility bills via the Internet. SMS-Service Mobile Bank of Sberbank

So that citizens do not have difficulties and conflicts with government agencies, you need to know how to pay utilities, on time and right. These include gas supply, electricity, water supply (cold and hot), sewerage and heating. In addition, utilities include procedures for garbage collection and cleaning of the local area.

The tariff for each provided service is set by the executive authority, energy commissions and the local administration, which in their decisions refer to the current acts russian legislation... On their basis, preventive measures are taken against non-payers.

To date, there are quite a few options and ways to properly pay utility bills. These are standard cash desks, and 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 whichever option is chosen, it is imperative to keep receipts so that in the event of a conflict situation, you have confirmation of the good faith fulfillment of obligations.

Payment via cashier

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 come to the nearest postal or bank office with books for payment and, in turn, hand them over to an employee, along with money. An employee of the department will take all the necessary actions and issue receipts with dates, amounts of payments and stamps.

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This option has been proven and reliable for a long time, while no additional knowledge is required from the person. It is enough to fill out the books, submit and pay. But, at the same time, given the presence modern technologies, it would be much more convenient to pay for utilities through the terminal. The disadvantage of postal and bank offices is that a person wastes his time going to the branch, standing in lines and slow service. As a result, the person's mood is ruined and at least an hour is lost.

When paying through the cashier, however, as well as through the terminal or the Internet, one should not forget about the small percentage that is deducted from the amount of payments. It is from one to five percent, which must be warned about before payment.

ATM machines

Citizens can independently pay for utilities through an ATM, but only those who have bank cards have this opportunity. The principle of operation is quite 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 payer's ten-digit number in the pop-up window;
• Indicate for what period the payment is made;
• After the displayed amount of debt, press the payment button. After that, the funds will be withdrawn from the card inserted in the ATM and transferred to the account of the service provider.

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 that ATMs have no working 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 there are device malfunctions and you have to look for a worker.

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 in that you can find it in almost any store, supermarket, shopping or entertainment center. Sometimes there is a terminal in the 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 in
any convenient time, seven days a week.

When paying in cash, the terminal accepts only bills. It should be noted that the terminal does not give change. That is, if one payment amount is indicated, and the denomination of the bill is higher, most likely, the change will go nowhere. This is definitely a small drawback. In addition, the terminal usually shaves the commission slightly higher than at the cash desk, about which a corresponding message will be displayed before the money is deposited.

Internet banking and blitz payment

Almost all large banking institutions provide their clients with the opportunity to pay for the necessary utilities through the 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, on the road, at work, on vacation in another region or even outside the country.

Going into personal Area 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, surname and initials. After the first payment made, the information is saved, and in the future it will not be necessary to enter the same again. It will be enough to enter the amount and confirm the transfer.

Blitz payments can also be connected directly at the bank or independently through your personal account. This feature will allow you to automatically pay every month. Specified amount will be transferred to the account of the service provider on a certain date from bank card.

Internet systems

In addition to the fact that there is a cash register, terminal, ATM, Internet banking, there are also many other opportunities to pay utility bills correctly, on time and quickly via the Internet. For example, an equally reliable option is to pay on the website directly to the provider of a certain service. This is also done through your personal account after registering on the site. There you can also see the amount of debt, learn about changes in tariffs, etc. The disadvantage of this option is that in order to pay for each service you need to register on all sites, that is, on the site 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 e-wallets with such features. True, in such systems, the commission is usually higher or the same as that of the terminal.

In any case, when dealing with payments on your own, you must be extremely careful when entering any information. One wrong number and the payment will go wrong.

How nice it is to be in a cozy apartment, to use light and water, as well as heat, without leaving your home.

However, all of the above amenities are not free.

Therefore, you must pay for the consumed resources in deadlines, but you can choose the method of transferring money yourself, given that even this service at the state level was made as convenient as possible.

Legislative regulation of the issue

Article 40 of the Constitution of the Russian Federation guarantees every citizen of the Russian Federation the right to housing suitable for living.

However, given that not every family has the means to buy their own apartment, a number of programs are envisaged at the state level that not only make housing more affordable, but also reduce the cost of maintaining it for privileged categories.

At the same time, regardless of the order in which the apartment was purchased or received, the tenant still has the obligation to repay the consumed resources, in particular, the same water or gas, as well as heating and electricity.

So, by virtue of Article 153 of the LC RF are obliged to pay:

• owners of residential premises;
• employers;
• close relatives of the owner of the property, if he is absent for any reason.

It should also be noted that housing and communal services consist of many positions that make the life of tenants as comfortable as possible, so they differ:

• housing;
• resource services.

That is, the same light, garbage disposal, gas supply and heating are resource-related, and cleaning of entrances and nearby flower beds, repair of an attic and a heating riser are referred to housing. And since all of the above services and resources are provided in the mode of housing services, residents of apartments are required to pay for them in accordance with those approved in a separate settlement and the meter readings, within the framework of the norms of Government Decree No. 354.

Rules and order

As a rule, in accordance with the norms of Article 155 of the RF LC, residents of apartments are obliged to repay the resources no later than the 10th day following the billing period, however, based on the decision of the owners of the apartment building, another date for the introduction of mandatory monthly money.

In this case, direct payment for services is carried out, as a rule, through cash desks or terminals, but here money is initially transferred to the account of the management company, which is already transferring funds to resource-supplying companies in the mode of a concluded contract for the supply of services. Although, within the framework of Article 7.1 of Article 155 of the RF LC, residents can divide the receipt into two expense items with different recipients. That is, for the same light or gas, according to the decision of the owners of the apartment building, you can pay directly to the representatives of the energy supplying company, but for the maintenance of the house and the adjacent territory is already the UK.

Also, for the convenience of residents of MKD, one more procedure for payment of utilities, namely advance, which consists in the ability to pay for the same utilities in advance. For example, in a month or three, which is very convenient if the tenant is going on vacation or a long business trip and does not want to face it when he returns. At the same time, the tenant of the apartment just needs to contact a single center and receive a general payment document, where the indicators are calculated based on the average consumption over the previous months.

Funding methods

At the moment, it contains a fairly diverse list from a breakdown by resources, to the total amount and possible debt, not to mention. At the same time, the specified document has a standard form, which means that you can pay for the resources consumed and the services provided not only in a standard way, through the cashier, but also in other ways that are provided for the sole purpose of creating the most favorable conditions for performing monetary obligations citizens.

So particular there are two ways:

• cash;
• cashless payments using information technology.

Through the cashier

As a rule, citizens of retirement age prefer to pay utility bills through the cashier at the post office or at the bank... And the point is not that the transfer of cash to the cashier along with the payment order and the presence of a check for payment with a wet seal guarantees one hundred percent receipt of payment on time, but in a habit that has been formed over generations.

But young people already prefer other ways of depositing money, given that not everyone can afford to stand in long queues at the checkout, as well as lose a few hours. That is why for especially busy citizens, payment can be made through multifunctional centers, which, in fact, perform the same function of the checkout, but with less loss of time, due to the absence of a congestion of customers.

ATM

Not everyone can afford to stand in line at a bank window to receive money or pay current payments, given that there may not be free time. That is why it is possible to deposit funds using a bank card already via ATMwhich is very convenient.

Indeed, when crediting wages, many withdraw cash, why not immediately transfer the payment for the communal flat to the account of the Criminal Code. After all, for this you just need to insert the card into the ATM, go to the appropriate section of payments and enter the amount that is indicated in the payment order. After performing these actions, the ATM will issue a check, which will serve as confirmation of the fulfilled obligations within the prescribed period.

Terminal

Also, to pay utility bills, you can use and terminalFortunately, this handy electronic gadget is located in most stores.

At the same time, to carry out the operation, you will need a little, just cash or a bank card, which must be placed in the appropriate branch, enter the main menu of the terminal, select the section: payments, and indicate the recipient's data, for example, the MC, and then enter the required amount ...

At the end of the transaction, the terminal will issue a check, which can already be stored as proof of payment.

the Internet

Any of the above methods of payment of current utility bills involves visiting at least the nearest store or bank, not to mention the post office, while payment via the Internet only takes a few minutes and effortlessly.

Indeed, in order to pay for a communal apartment through the World Wide Web, you just need to transfer money from your card account to the account of the UK and that's it.

Mobile phone

Of course, not all citizens can afford to buy a multifunctional phone and use all applications.

However, if the funds and knowledge are available, it is possible to pay for utilities and by transferring funds using mobile communications via an SMS request and a special program.

We pay without commission

All of the above methods have a lot of advantages and disadvantages that arise due to the fact that each person has his own opinion and habits. But, nevertheless, one of the main aspects is not only the convenience of making payments and the speed of crediting the payment, namely commission for using a banking resource.

So in case of payment of the current payment via ATM you can avoid paying commission charges, but only if the citizen is a client of the same bank, of course, if given condition fixed in the card service agreement.

Transfer of funds will also be interest-free. via the internet , but only when interacting with a specific banking institution.

And one more profitable option without a commission is visit mail which also doesn't charge for customer service.

Verification of the operation

Carrying out another monthly payment, the owner of the apartment transfers money not just to the address of the Criminal Code, but to a certain personal account, which is tied to the personal address of the dwelling.

That is, in order to find out the current status of payments made, you need to know either your personal account or the full address of the location of the apartment.

Then the balance can already be found in two ways: through the website of the service company, which is obliged to post certain information in the public domain, including financial information, and through a bank or terminal.

That is, it is enough to go to the website of the service company, enter your address or personal account in the appropriate section, and information about the financial condition, including the latest transactions, will appear on the screen.

In the bank, you only need a personal account, on the basis of which the necessary information on the calculations will be provided.

Some features

Of course, in general, statistics on the payment of monthly payments by consumers indicate that the majority of citizens fulfill statutory obligations to pay for services consumed, but there are times when some tenants agree to fulfill their obligations, but do not know how, in view of an emergency or unusual situation.

After the death of the owner

As a rule, the obligation to pay utility bills rests with the owner of the apartment, but he may die, and his relatives will have to wait another six months, during which the debt will accumulate.

That is why, in order to avoid the described situation, it is allowed two options developments:

• if the apartment is empty, and no one lives in it, all utility bills are paid by the potential heir, who, by ensuring the safety of the hereditary mass, actually already enters into inheritance;
• if the relatives of the deceased live in the apartment, then, by virtue of Article 31 of the RF LC, they have equal rights and obligations with the former owner, which already predetermines their obligation to extinguish payments for consumed resources based on the meter readings and the receipts handed over.

Joint responsibility

Many citizens believe that the obligation to pay utility bills can only be imposed on the owner of the apartment or its tenant, and yet this is not true. So, within the framework of Article 31 of the RF LC apartment tenants, instilled in it by the owner as family members have the same rights and obligations, which leads to joint liability in the event of arrears in payment for the services consumed.

That is, if at some point the owner of the apartment is unable to pay off the debts, the debt can be collected from other family members who have reached the age of majority.

Also, a similar rule applies when finding an apartment in common ownership, even if the shares of the dwelling are not allocated in kind. In such a situation, the owners must themselves agree on the amount of their share in the repayment of payments, or the debt will be collected from all in proportion to their shares.

Split account

As a rule, an apartment is bought for a family, which over time may divorce... And since many do not have the opportunity to get or buy other housing, former family members, no longer running a joint household, are forced to live in the same residential area, jointly bearing responsibility for paying utility bills. At the same time, some do not even think about the occurrence of debt, while others are forced to pay off debts for two in order to avoid penalties.

It is in such a situation that it is allowed opportunity for several persons who own the apartment as shared ownership.

Moreover, in order to carry out this procedure, you can go two ways:

• draw up an agreement on the division procedure indicating the occupied area, notarize it and transfer it to the Criminal Code;
• resolve the issue of dividing the account in court in the absence of consent, which is relevant if one of the homeowners disagrees or is dishonest.

Installment

Many tenants, and representatives of the Criminal Code, believe that it is possible to get an installment plan when paying utility bills only if there is a debt, and only as a special benefit, and even then by grace management company on the basis of a contract. Meanwhile, paragraph 72 of the Decree of the Government of the Russian Federation No. 354 provides for the specified debt repayment option for consumed services as mandatory, but under certain conditions.

So if the total amount exceeds the same settlement period by 25%, the representative of the Criminal Code is obliged to offer the consumer an installment plan of the difference for the next 12 months. That is, in order to qualify for an installment plan, it is not necessary to accumulate debt and risk the accrual of penalties, it is enough to refer to clause 72 under the above conditions and draw up an agreement on the basis of which the difference will already be distributed without forming a debt.

For the rules of monthly depositing funds to the accounts of the management and resource supplying companies of housing and communal services, see the following video:

How to pay for utilities without a commission?

Given the employment of the population and modern developments in the field of electronic technologies, financial institutions and mobile operators today provide convenient services for paying for housing and communal services with minimal time costs and no additional interest.

This only requires a bank card, a mobile phone and access to the Internet - resources that each person has.

Where can you pay for housing and communal services without commission of housing and communal services?

How to pay for utilities without a commission? There are the following payment methods for housing and communal services without a commission:

Banks without commission

According to the results of the 2016 research, in which the 100 largest banks in Russia were involved, Citibank, Tinkoff Bank, Credit Europe Bank and Uniastrum Bank provide their clients with free payment for utility services.

You can add Promsvyazbank to this list, which has salary cards can pay for housing and communal services in the amount of up to 10,000 rubles without additional costs.

How to pay utility bills without a commission at Sberbank

How to pay utilities without commission? Let's take a closer look at the question of exactly what methods can be used to pay for housing and communal services without a commission at Sberbank.

Sberbank Online

To work with Sberbank Online, you need to have a personal bank account, as well as a connected service “ Mobile bank»And Internet access:

ATTENTION: to distinguish the bank's original site from fake sites, you need to pay attention to the address bar, which must begin with the characters "https".

This protocol should pop up with every authorization on the page or when transferring payment data. This rule applies to all payment systems.

In more detail, the procedure for paying utility bills is presented in the following video:

Sberbank Online mobile application

This application is a mobile version of the Sberbank Online internet bank for all devices based on the Android operating system, Windows Phone, iPhone, iPad. You can download it from the official website of Sberbank, after which you need to register to work.

To pay for utilities, you need to do the following:

1. We go to the application service using the five-digit code specified during registration.
2. In the settings, we check the specified Region for the correct display of service providers.
3. We select the section "Payments and transfers".
4. From the list of payments we choose "Housing and Communal Services".
5. We fill in the opened form with the necessary data.
6. Press the button "Pay".
7. We confirm the payment.
8. The payment status can be viewed in the "Payment history".

Paying Utilities Using Your Phone

Yes, yes, you heard right, now utilities can be paid using the phone.

"Mobile payment" from Beeline

The operator offers to pay for housing and communal services using the Mobile Payment service absolutely free of charge, using funds on the phone account or bank card.

To do this, on the official website you need to create your personal account by registering.

1. In your personal account, go to the "Finance and Payment" section.
2. We select the category "Payment for services".
3. We will need "Utility Payments".
4. Find the right service provider.
5. We fill in the form that opens: personal account, payment method, mobile phone number, payment amount.
6. Press the button "Pay".
7. We confirm the payment by entering a one-time password from an SMS message.

ATTENTION: For a successful operation, after payment, at least 60 rubles must remain on the phone account.

You will learn more about this service in the following video:

"Easy payment" from MTS

To work with this service, you need to download an application on your phone, with which you can pay for services without leaving your home.

In this case, the commission is not removed.

If a mobile phone account is used to make a payment, the procedure is as follows:

1. In the "Pay" category, select the required service provider.
2. Enter the requested details and indicate the amount to be paid.
3. We confirm the payment using the access code.
4. In the received SMS message with payment data, you need to check all the information.
5. To confirm the operation, send any SMS to 6996, to refuse - SMS with the number 0 to the same number.
6. After that, you will receive a message notifying you of the payment results.

To learn how to use the Easy Payment service from MTS, see this video:

If a bank card is used for payment, do the following:

1. In the category "My cards" add the data of the used bank card.
2. Find the required service provider in the "Pay" category.
3. We fill in the opened form with the necessary details.
4. We confirm the payment.
5. We are waiting for an SMS message about the payment results.

ATTENTION: download mobile app is possible only from the official website of the mobile operator.

MTS payment portal

To pay for services without commission, you can use the USSD codes through the payment portal:

• we type the command * 115 # on the phone keypad;
• choose the category "3 Apartments";
• find the right supplier and send a command;
• indicate the personal account number and other details;
• after you have entered the payment amount, you will receive an SMS with the text "Your request has been accepted";
• within 15 minutes you will need to confirm the payment to 6996, as indicated earlier;
• waiting for an SMS message with the payment results.

As you can see, you can pay for housing and communal services without a commission without leaving your current location. The increasing attraction of people to remote services not only reduces queues in the field and makes life easier, but also saves the home budget.

Gone are the days when you had to stand in a long queue at the post office or at Sberbank to pay for utility bills. 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 utility services over the Internet.

Dear Readers! Our articles talk about typical ways of solving legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call the phones below. It's fast and free!

Methods of payment for utility services via the Internet

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

Let's consider each of them in order.

Internet banking

(on the example of the Sberbank Online system)

Important!! Now there are many fake websites on the Internet, carefully look at the address bar - the original address of the bank's website always starts with https! This rule applies to the addresses of the sites 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 the website of your bank.

Payment systems

Yandex money

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

You start a mail on Yandex, go to the "Money" section and create a wallet. Bind the wallet to the current mobile phone number.

For this you need:

• Go to section Yandex money
• Select a section "Products and service"
• Choose the service you need
• Introduce your personal account number
• Check the correctness of the entered data. Click the "Continue" button
• Confirm payment by SMS (the SMS code will be sent to the phone number associated with your account)
• You receive confirmation that the payment was successful.

The money will be credited to the account within 1-3 business days. Maximum amount payment - up to 14,999 rubles. There is no commission.

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

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

It is unprofitable to replenish a wallet through terminals, a commission is charged, and in most cases it is rather big. And tying a bank card to a wallet does not make much sense, since most banks have an Internet bank with the function of paying for housing and communal services, without a commission.

Qiwi Wallet

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

The Government decree, which came into force in 2009, legalized the collection of additional commissions from payers.

Although 2-3% is not a particularly significant amount, many do not want to overpay. Before that, the commission was 1.9% and was included in the total cost of services, and therefore was simply not noticed by citizens.

Today, many are looking for a way to save money and pay for services without additional spending.

Mutual relations in the sphere of housing and communal services 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, state or local tariffs.

Taken into account:

• if there are metering devices (individual,) - the actual volume of the service;
• without device - determined by the state.

The fee remains the same regardless of situations:

On my own it is not possible to resize the board, both in the direction of its decrease and increase. In case of substandard services, submission of them with interruptions that exceed the norm, you can contact the service provider for.

Reduction of payment it is possible even after receiving a subsidy by certain categories of citizens.

Increase in fees produced at the initiative of the supplier in some cases, for example, the temporary absence of a metering device and the need to pay for.

The consumer can independently calculate the payment for a certain service by multiplying the consumed volume by the tariff. Heating, house maintenance is calculated based on the area of \u200b\u200bthe apartment. Garbage collection is calculated for each person registered in the apartment.

Existing methods of payment for utility services

You can easily pay for utilities today. There are several simple and convenient ways to do this.

In bank branches

The branches of almost any bank accept payment for all kinds of services: heating, electricity, water supply and disposal, gas, garbage collection, etc.

At the bank's cash desk payment can be made in cash... The difference is that some banks charge a commission and some do not.

For payment payment Advice Required, which consumers often receive at home. It already indicates the amount for each service that needs 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 cashless funds transfer to the supplier's account via the Internet.

There is a commission - 3-5% of the amount. The device does not give change, it “leaves” by an advance payment to the supplier.

Via Russian Post

No commission is paid here for services only clients of Bank of Moscow or Sberbankwho 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 info kiosks, depositors, ATMs... You can meet them everywhere.

Client commission is charged in the amount of 1.5% of the amount.

For non-cash transfers directly from a personal bank card, there is no commission.

Where and how to pay for a communal apartment without a commission?

Most consumers in banking institutions and post offices are forced to overpay, because without a special contract, a commission is charged.

If the consumer is a client of the bank and receives wages or another payment for 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 payment for utilities - by choosing the right company, transfer funds from the card to her account.

You should find out if an agreement has been concluded between the supplier and the bank for payment of services by clients without commission.

Via self-service terminal you can pay with a minimum commission. For example, in Sberbank it is only 0.5% when using the terminal.

ATMs some banks can make a "commission-free" payment for utility services from 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 utility bills

With the help of the World Wide Web, you can transfer money from your card to the account of the provider.

Without commission, using the Internet, you can pay for services 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 by 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 reach the supplier no later than the next business day.

If you wish, you can create and print a check.

System A3

Provides payment for some services without commission for owners visa cards/ MasterCard / Maestro from the 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 sheet.

Internet portal (available only to residents of some regions of the Russian Federation)

Here you can pay for all utility bills without exception through your personal account from a bank card.

It is planned to add mobile and e-money options soon.

QIWI payment system

Provides account holders to pay for any utility services without commission.

For payment, registration is required, a password for entering your personal account and the presence of money in the account.

Settlement Center Online

Payment is accepted from Visa and Master Сard cards.

Registration on the site is required. In the "Subscriber's Cabinet" you can see the account status, payments made earlier.

Only some utility services can be paid without commission.

Electronic money

With the development of e-commerce, the method of paying for utilities online is also gaining in popularity. through electronic money systems.

The following payment systems are most common in Russia:

• Webmoney;
• Yandex money.

Why and how long should you keep a payment receipt?

If the consumer pays at the bank's cash desk, ATM or terminal, he / she will receive a check upon completion.

When paying online, the check must be printed on a printer. It must be stored for at least three years.

This can happen if the money "went" to the wrong current account, to another supplier or simply "stuck" in the bank's system.

However, after three years the court has the right to accept a claim for the protection of the violated right.

Therefore, it is advisable to keep receipts for as long as possible. This will help prevent the consumer from collecting proof of payment in the event that payment is not received by the supplier.

Video: What is the most profitable payment method for housing and communal services?

The plot tells what alternatives there are to queuing when paying for utilities.

Explains what benefits a citizen gets. when making payment for housing and communal services through branches of commercial banks, through ATMs, as well as through various Internet services

Provides advice on how to avoid transfer fees to utility providers.