Utilities are paid. How to pay utility bills through Sberbank Online? Payments and commissions

Within five days we will talk about how to equip your home, make budget repair, deal once and for all with utility bills and find beautiful interior items.

Arsen Mirzayan

What are the payments and how many receipts should come once a month?

There are three types of services:

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

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

– others (telephone, intercom, concierge services, etc.).

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

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

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

Where to pay utility bills?

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

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

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

If you deposit money through instant payment terminals, through third-party applications and unofficial sites, be prepared for confusion, confusion, loss of time and nerves. To protect yourself from this, I would recommend getting a Sberbank card and making payments using it through the official Internet banking application. Accounts of Mosenergosbyt, MGTS can be paid without fear through Personal Area on their website. Through the website of Mosvodokanal, you can transfer meter readings. The company pages contain information about authorized payment methods, and this information can also be found in your management company.

Do I need to install meters in the apartment?

Counters definitely help save money. The standards in accordance with which you pay receipts, if you did not install a meter, are overstated, they are derived based on the maximum consumption. You need to transfer meter readings to the EIRC, or to your HOA, or management company. Often this can be done through the website of the organization or through the website of the resource supplying organization. There are meters that transmit information themselves, but they are more expensive. Once every two or three years, all meters must be checked or replaced.

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

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

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

- not all people give testimony on time;

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

The difference between the readings of the general building meter and the sum of the readings of the apartment meters is distributed among all residents in proportion to the area. Our legislation is unique, because it gives people ownership not only of apartments, but of the whole house. There is nothing like it anywhere in the world! Owners have the right to dispose of everything: attics, basements, basement floors, the facade of the house. And those who understand it, use it.

Many homeowners associations rent ground floors for rent to legal entities, facades of houses for advertising space, there are a lot of ways to make money. The money raised goes towards home improvements. adjoining territory. Duties go hand in hand with rights: if the house is your property, then you must fully maintain it, and, accordingly, pay for all utility resources that are used not only in your apartment, but also in the entrances of the house. This is the accrual for general house needs, the very ODN that people do not understand and because of which they are indignant.

Should I pay for the insurance included in the receipt?

Insurance is neither a housing nor a utility service. If you include it in the receipt, it means that at the general meeting the tenants of the house decided that they would insure housing with the help of the HOA. Before paying for insurance, the terms of insurance, who is the insurance agent and what you are insured against, you need to clarify with the management company.

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

What is foam?

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

Who has to pay for a rented apartment?

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

Illustrations: Natalia Osipova

Every minute counts for a busy person, so it’s not strange that more and more people want to learn how to pay utility bills through Sberbank. It is one of the largest banks in Russia serving millions of citizens.

Sberbank keeps up with the times and tries to provide its customers with all the amenities. Now, to pay your housing bills public utilities, you don't need to contact government agencies. It is enough to go to the cash desk of one of the branches of Sberbank or, even easier, transfer money to online mode. We invite you to review all payment options to choose the most suitable one. Let's get started!

Now, to pay receipts for housing and communal services, you do not need to contact government agencies

Surely everyone has seen this device in shopping malls, stores and directly at bank branches, but, as a rule, they used it exclusively to receive banknotes.

Attention! Few people know, but a new feature has been added to ATMs: payment of utility bills.

So how to pay utility bills through a Sberbank ATM?

Payment of utilities through an ATM

Let's find out! I would like to note that in order to perform the operation, you must have an active card of this bank, on which there will be the amount necessary to pay the receipts. So the translation process Money includes the following steps:

• Find the nearest Sberbank ATM.
• Pay attention to the state of the device: the numbers on the keys should be clearly visible, the screen saver should notify that the ATM is ready for operation.
• Insert your card and enter your PIN.
• If you are not sure if there are enough funds to pay on the card, open the "Request balance" menu.
• In the main menu, find the "Payments and transfers" tab and enter it.

Payment of utilities through the ATM of Sberbank

• Next on the screen you will see the section "Utility payments". In it, you can pay utility bills through a Sberbank card.
• In the "Manual input" tab, you can enter all the details necessary for the transfer. You will need to specify the recipient, enter the individual code of the payer, the period for which the payment is made, the amount of the debt to be repaid (if any).
• Check the entered data and click "Pay".
• Take your card.

Terminal

It can also be found in many supermarkets and Sberbank branches. Using the device is quite simple: the screen shows various sections for performing money transfers, you just have to choose the right one. If you figured out how to pay for utilities through a Sberbank ATM with a card, then you can easily do this procedure with the terminal.

Payment of utilities through the terminal of Sberbank

On a note! It should be noted that, unlike an ATM, the terminal allows you to make not only cashless payments.

In other words, you will be able to deposit money in cash, which means that you do not need to carry a card with you. To pay, you need to follow these steps:

1. Insert a card into the terminal (for cashless payments). If paying in cash, this item is skipped.
2. Select the "Payments" section, and then "Search for a payee".
3. Next, you have several ways to enter details. The simplest will be "Search by barcode", which is indicated in the receipt. Also, the company providing services to you can be found by TIN or name.
4. After you find the company whose services you want to pay for, enter the details and other necessary information, and select the payment method.
5. Carefully check the entered information, and then click the "Continue" button.
6. If cash payment was selected, deposit money into the bill acceptor. Please note: the terminal does not give change.

Now you know how to pay utility bills through a Sberbank terminal and you can save much more time.

If you have access to the Internet and a bank card, information on how to pay for utility services through Sberbank online will be relevant for you. This method is the most convenient, since you do not even have to leave your home to transfer money. Thus, you can, without interrupting your business, allocate time for going to a bank branch, you just need to use a computer service. Since this option has appeared relatively recently, it causes concern among some categories of the population.

Payment for housing and communal services through Sberbank online

For example, payers worry that, unlike paying at an ATM, cash desk or terminal, they will not receive a receipt for payment after the transaction. These fears are unfounded, since a letter from the bank will be sent to the specified e-mail after payment. In it you will find a document confirming the transfer of funds, which you can print and, if necessary, provide to the appropriate government bodies. Let's take a step-by-step look at how to pay utility bills through Sberbank Online.

• First you need to access the service. For successful registration, prepare a Sberbank bank card. By the way, if you own a smartphone, you can install the mobile application on it. Mobile bank". Thanks to it, you will be able to make transfers, make payments, check the balance and follow the transactions performed. You can connect this service at a Sberbank branch or using a terminal.
• Before paying utility bills through Sberbank, from bank employees or at hotline you should get a client ID as well as an individual password. You can also get all the necessary data in the self-service terminal, where you should select the "Connect Sberbank online and mobile bank" tab. Note that the password you received is temporary. You can change it later in your account.
• After the registration has been completed, you can use the service using a computer or your mobile device. Enter your password and personal ID to log in. Attention: check all the data, as an incorrectly entered password three times will serve as a reason for blocking your personal account.
• Choose a verification method. The best way to receive it is via SMS. After it arrives on your phone, enter it in the appropriate field on the site page. Then you will automatically be redirected to your personal account.

Sberbank website online for paying utility bills

• Now let's take a closer look at how to pay utility bills through Sberbank online. At the top of the page, you will see various tabs. You need to select the "Payments and transfers" section, and then click on the desired category of payments (the "Rent" tab from the "Housing and communal services and home phone»).
• Payment for each type of service is made through a separate bank transfer. Use the search to find the organization whose services you want to pay for. To do this, you need to know the name of the company, its TIN or barcode.
• Next, you need to fill in all the required fields. You must indicate the service, the account number from which the funds will be debited, company details, as well as a single number (you will find it on the receipt).
• Before you pay utility bills through Sberbank online, carefully check all the information. Check the entered amounts of the debt with those set in the receipt. You can also enter meter readings (if any) in separate fields.
• After checking, click the "Confirm" button. You will receive an SMS with a password on your phone, which you need to enter in a special field.
• You can control the progress of the operation in the "Operation Status" tab. If you see “Completed” in the bottom corner of the page, then the payment was successful.

We hope this instruction will help you quickly and without much difficulty pay utility bills through Sberbank online.

By the way, if you plan to make monthly transfers to this service, you can save payment templates. Thanks to them, you do not have to look for companies again each time, as well as enter details.

Alternative payment options

You can also pay utility bills through a Sberbank card using other Internet services.

On a note! Owners of Webmoney, QIWI and Yandex Money wallets can make payments using these portals.

QIWI for utility bills

But in this case, get ready for the fact that in addition to the transfer amount, a commission will be charged from the card. You can make a free transfer on state portals for paying for housing and communal services. It is enough to enter the necessary details and bank card data. Few people know, but on the websites of some mobile operators there is also a function for paying utility bills. For example, on the Beeline website, you can make all the necessary transfers using a bank card.

Most citizens of one country or another are forced to pay a lot of bills every month, for example, rent. To do this, people go to the bank, pay off their debts, receive receipts, after which they continue to go about their business. Paying utility bills through Sberbank online without commission is a convenient service that helps you pay utility bills from a bank card.

Can I pay utility bills online?

Although many prefer to use the bank's cash desk, still those who do not have extra free time prefer to use the Internet to pay off their bills. Payers make most of banking transactions through special services. Paying utility bills through Sberbank online provides an opportunity not to stand in queues for hours. With the help of this service, you can pay off debts for a communal apartment at any time of the day and it will take only a few minutes.

Benefits of online payments

It is more practical to pay certain expenses via the Internet, besides, we live in the 21st century, when computer technologies are developing. Why online transactions are better than using bank cash desks? Benefits of paying online:

• Fast. Payments are made in real time.
• Profitable. The commission charged through the Internet service is less than at the bank's cash desk.
• Comfortable. Possibility to make a transfer in any country at any time. Payment templates help you quickly transfer funds.
• Safely. You control the movement of money using SMS through a mobile application.

How to pay utility bills through Sberbank online

Owners plastic cards it is worth creating a personal account on the bank’s website in order to simply, quickly and without commissions pay bills for an apartment and others monthly payments. How to pay for utilities through Sberbank online for ordinary citizens? This service can be connected on the official website of Sberbank, at the terminal or bank branch. After entering your personal account, remember the section "Payment for purchases and services" and select the "Housing and communal services" item, where these operations are carried out.

Login to your personal account to pay utility bills

In self-service terminals, select the "Connect Sberbank online" item, and then click on the "Print password and ID" button. If you have not yet connected Mobile Banking, then select the "Print one-time passwords" item. Send an SMS to number 900 to receive an identifier and a permanent password, after which the payer needs to call the support service phone number indicated in the message and say the control word on the bank card. From now on, paying utility bills through Sberbank online without commission will be more convenient for you.

Choice of payment and recipient

Select "Payments and transfers", then click "Utilities and home phone". In the sub-item "Electricity" or "Rent" it is precisely the payment of housing and communal services through Sberbank online without a commission. In order for funds to be received for a specific recipient, it is necessary to choose the right service provider. If you did not find the desired recipient in the list, you should use the search (by name, TIN, current account or by a specific service).

Mandatory details for paying utility bills

It is important to fill in the details of the utility supplier without errors. Using Sberbank online it is difficult to get confused and transfer funds to the account of the wrong organization. The following steps will help you pay utility bills through a mobile application or terminal:

1. Select the service you want to use, for example, pay for electricity.
2. Specify from which account the funds should be transferred.
3. Enter the same number from the receipt. After that, the details of the supplier will be set automatically.
4. Check the amount to be paid, check the data with the receipt, enter the meter reading.

Payment confirmation

Review and check the accuracy of the entered details and other data. If you notice that something needs to be corrected, edit the information. Then click on the "Confirm by SMS" button, a message with a code will be sent to the phone, which should be entered to confirm the payment. If you use one-time passwords printed on the receipt, then you can pay no more than 3,000 rubles at a time. A stamp with the inscription "Completed" should appear in the lower right corner of the page. Print the receipt and save the payment as a template for your next utility bill.

Payment for utilities through Sberbank online in a mobile application

Bank customers who value their time and have a smartphone with an Internet connection can pay for utility bills anytime and anywhere. Install the application only from trusted sources such as Google Play. Do not forget to make sure that your electronic device is protected by an antivirus program. After registering and setting a password, we begin to use the application. The following instructions will help you pay a utility bill through Sberbank online:

1. On the "Payments" page, select the category "Housing and communal services and home phone".
2. Find the type of payment, for example, a specific housing office in Moscow.
3. Choose the right organization.
4. Scan the barcode from the receipt.
5. Select a card and confirm the payment method.
6. Check automatically entered details.
7. Confirm the operation.

Sberbank auto payment utility service

Carrying out operations in automatic mode is simple and convenient. How to pay utility bills through Sberbank online without visiting the bank? In the Personal Account of the system, select the menu item My Autopayments, Create Autopayment. Since the funds will be debited from your card on a certain date, you do not have to constantly remember when you need to pay off this or that debt. The day before the set date, the system will send a message to your phone about the upcoming operation. You have the right to temporarily refuse a payment.

Check how much money is on your card and replenish it if necessary, because funds will not be debited if the account does not have the full amount to pay off the debt. Every three days the state of the balance will be checked. When the money arrives on the card, you will be asked to pay utility bills through Sberbank online without a commission. The operation is confirmed via SMS, the receipt can be printed using an ATM or through the application.

How to create a payment template

Instructions for creating templates are suitable for terminals, ATMs and telephones. If after some time the template has become unnecessary, then it can be disabled. Instructions on what needs to be done step by step in order to correctly fill in the auto payment columns.

We noted that the Internet is one of the most convenient. No need to defend kilometer-long queues, fill out confusing paper documentation, waste a lot of time and nerves. You can pay off debts for an apartment and a communal apartment without leaving your home by making a couple of mouse clicks.

Despite this, according to statistics, only 10% of consumers pay for housing and communal services via the Internet or terminals. Moreover, almost every third Russian has permanent access to world wide web. So why is paying utility bills over the Internet in our country still the exception, not the rule?

The main reason, in our opinion, is ignorance. Many citizens simply do not know how it is done. Therefore, we bring to your attention an overview of online services for paying for housing and communal services.

Internet banking

These are modern technologies of remote banking service. Internet banking allows you to use many services of your credit institution without visiting her office.

Today, almost all banks provide their customers with the opportunity to pay for housing and communal services without leaving home. Let's take a closer look at how Sberbank implemented this, since everyone (well, or almost everyone) has Sber bank cards.

In the main credit institution in Russia, this service is called "Sberbank OnL @ yn". To work with the system, you will need a bank card (Visa, Classic, Electron, Maestro and others).

The first thing to do is to activate the Mobile Bank service, with the help of which you will confirm transactions and receive notifications about the movement of funds in your account.

Then you need to get an identification number and your permanent password - you will need them to log in. You can get them either through an ATM (terminal) or through a mobile phone by sending an SMS to number 900 with the text "Password ..." and the last 5 digits of your bank card number.

For security purposes, the Sberbank Online @ yn system uses a two-step login system. For additional authentication, when logging in, the user is also prompted for a one-time password. It can also be obtained in two ways: through a check issued by an ATM or terminal, or via SMS.

In general, logging into the system is the most difficult step for a beginner when using Sber Internet banking. Then everything is simple. We go to the "Operations" section, select "Payments for services". There, among others, you will find utilities. We fill out a special form, entering all the necessary details, and confirm the operation using a new one-time password.

After that, the payment will be made. The results will be displayed on the screen and can be printed. Payment is credited within 1 business day. You can track its status in the Operations History section.

Payment for housing and communal services through Internet banking is very convenient. Especially if you conclude an agreement with the bank, according to which the amount necessary to pay off debts for electricity, gas and other benefits will be automatically debited from your personal account every month and transferred to the account of energy service providers. In this case, you can generally forget about paying for a communal apartment, once a quarter or six months only by checking the correctness of accruals and write-offs of funds.

Note that many citizens do not trust this method. They say that there are no documents on hand that testify to the conscientiousness of the payer. But experts say that all fears are in vain. After all, even if the money is “lost”, you can always take bank statement confirming the fact of payment of housing and communal services.

Electronic payment systems

Services for paying utility bills are also provided by many electronic payment systems - Yandex.Money, WebMoney, RBK-Money and others. Let's find out how this is done through the Yandex.Money wallet.

First, log in to your Yandex account and go to the "Money" section. Among the "Mobile communications", "Tickets for transport" and other services, select "Receipts". On the newly opened page there will be two subheadings of interest to us - "Gas" and "Receipts". The first allows you to pay for the services of regional suppliers of the Gazprom Mezhregiongaz group; second - directly housing and communal services.

By clicking on "Receipts", we get the form of payment. We enter the name of the recipient, the number of his current account, the amount and other details and make the payment. To confirm it, we type our Yandex payment password.

The money will go to their recipient within 2-3 business days.

In addition, with service providers, as well as with banks, you can enter into agreements under which the necessary amounts will be debited from your account automatically.

Whatever method of paying for utilities via the Internet you choose, remember that all banks and payment systems charge fees. Therefore, your spending will end up being somewhat higher. Although this amount in terms of saved time and nerves is symbolic.

How do you pay utility bills? And do you agree today to completely transfer all settlements with housing and communal organizations to the network?

As you know, “time is money” ... However, you may ask what is the connection between this famous catch phrase, whose authorship is attributed to Benjamin Franklin, and such a very common thing as monthly utility bills. Nevertheless, the connection is obvious: the loss of time (and in this case, this is the time spent on paying for utilities, for example, at the post office, at a bank or an ATM) is tantamount to the loss of money that could have been earned, but they were not earned because for wasted time.

And, in fact, why should we waste precious time for us where it can be easily avoided? In addition, now there is a great alternative solution - this is paying utility bills online. All utility bills can be paid at any convenient time (at 2 am, on a day off, during a short break between work), without even leaving home.

I confess that I myself did not dare to use this method for a long time and stood idle for hours at the post office in line or went to the bank to make my own. monthly payment. I was scared: what if I make a mistake or do something wrong - and my money will go somewhere wrong and be lost. Or Internet scammers will crack passwords on my computer. And in general it seemed that paying for it yourself was somehow more reliable and safer.

I'm sure I'm not alone in my concerns. To be honest, we are so often deceived that we begin to be afraid of everything new, even if it could make our life much easier. But still, I made up my mind. And now I have been paying for everything for a long time: utility bills, Internet, telephone - only through the Internet and when it is convenient for me.

And I decided to write such a small step by step instructions about how to do it. For some, this may not be relevant, they know how to do it and have been doing it for a long time. But I am sure that there are those among you, like me, who for a long time do not dare to make the last effort and overcome their fears.

So let's get started... Payments can be made in a variety of ways. But I pay utility bills through Sberbank Online. It seems to me that it is more reliable, more convenient and more economical (the commission for utility bills is 0%).

How to connect Sberbank Online?

Before you start paying utility bills via the Internet, you need to access the Sberbank Online service.

Briefly about what this service is and why it can be useful to us.

Sberbank Online- this is the same customer service of Sberbank, but only via the Internet. With the help of this system, we can not only manage our accounts, but also make any payments. And all this can be done online using any device (computer, laptop, tablet, mobile phone) connected to the Internet.

To connect to the Sberbank Online service, you will need:

• Sberbank bank card
• Connected service Mobile banking. This service allows cardholders to make payments and transfers using a mobile phone, to receive information about all bank card transactions.

You can connect the Mobile Bank by using the Sberbank self-service terminal or by contacting the Sberbank office.

To enter the Sberbank Online system, you must obtain a permanent password and client ID. You can do this at the Sberbank self-service terminal on your own, through the Mobile Bank, or, if you are at a loss, you can use the help of consultants at the bank.

For this you need:

In the main menu of the terminal, select the "Connect Sberbank Online and Mobile Bank" item.

Click the "Print ID and Password" button and here, if the Mobile Banking service is not yet connected, click the "Print one-time passwords" button.

Why do we need temporary passwords?

One-time passwords will come in handy if the Mobile Bank is not connected or for some reason you cannot use the phone. Therefore, it is also better to print temporary passwords and keep them just in case. When connecting to the Mobile Banking service, you can do without them. In this case, every time you want to enter Sberbank Online, you will receive a message with a password on your phone.

The ID and permanent password can also be obtained from mobile phone. To do this, the generated message is sent by SMS to a special number (900) of the mobile operator.

In response, you receive an SMS message with a permanent password number and an indication of the support service phone number, by calling which you will receive information about the identifier, having previously reported the control word that was invented when issuing the card.

I received a permanent password and identifier in the Sberbank terminal. I found this way easier.

If you have several accounts with Sberbank, several bank cards, it is advisable to conclude a universal banking service agreement (UDBO) at any branch of Sberbank.

In this case, you can manage your funds on all accounts through the Sberbank Online service. That is, without leaving your home, you can transfer funds from account to account, to the account of another person, make purchases, pay bills, repay loans, monitor the status of your accounts, etc. Agree, it is very convenient.

Payment of utility bills through Sberbank Online

So, when all the necessary services are connected and the passwords are received, we proceed to pay utility bills.

To do this, go to Sberbank Online. Enter ID and permanent password. Check the correctness of the input, because if you enter the password incorrectly 3 times, the entrance to your personal account is blocked.

Next, you need to choose a method for confirming the entrance to your personal account: either with a one-time password from your check, or you receive it via SMS. We confirm the entry with a password received by phone, or with a one-time password from a receipt.

After that, a page opens - a personal account in the Sberbank Online system. Select the "Payments and transfers" tab.

We find the payee using the search (by service category, TIN, current account or by name). Or choose necessary service from the menu, which is the location below the search form. In this case, we are interested in the menu item "Rent". After that, we proceed to the choice of a service provider. If you cannot find the supplier you need in the list, use the search.

The next step is to fill in the details. We select a service, indicate from which account the payment is to be debited, enter a single number, which is indicated on the receipt.

And all the details of the service provider will be set automatically.

Carefully check the amount of the debt and the notice number by comparing the data with the receipt, and enter the readings from the hot and cold water meters (if you have them installed).

The next step is payment confirmation. We check all details and entered data.

If necessary, all information can be edited. And press the "Confirm by SMS" button.

Enter the password that we receive on the phone.

If you confirm with a one-time password from the check, then there is a limit on the amount. And this means that you cannot make a payment for more than 3,000 rubles at a time.

If the payment was successful, the payment status changes to "Completed" and a stamp with the inscription "Completed" appears in the lower right corner of the page.

If not, an inscription will appear at the top of the page that the payment failed.

After that, you can go to the payment page, save the payment as a template, repeat it and print the receipt. I always print receipts and use these receipts as proof of utility bills when necessary.

If you have permanent details on payment documents, you can create a payment template and change only the amount in it so as not to re-enter the details each time.

Similarly, payment for gas and electricity is made.

When paying a receipt for electricity, you must additionally (single-tariff, two-tariff or three-tariff) and indicate the personal account number.

After that, indicate the month for which payment is made.

New meter readings, the number of paid kWh and the amount of payment (these data are indicated on the receipt).

If you need to clarify something about past payments, in the Personal Menu you need to click "History of transactions in Sberbank Online" and familiarize yourself with the history of your payments.

Here you can not only view your payment history, but also print a receipt, repeat a payment, or create a template by selecting the payment you are interested in.

If you cannot quickly find the required payment, use the search or advanced search.

So everything is very simple, fast and without any commissions (no commission is charged when paying utility bills).

By the way, in the personal menu of Sberbank Online, you can see the number of accumulated points in, or connect to it if you have not already done so.