How to check your utility bill online. How to pay for housing services online in the Moscow region
How to pay for housing and communal services 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 a commission for housing and communal services?
How to pay for housing and communal services without a commission? There are the following payment methods for housing and communal services without commission:
Banks without commission
According to the results of the 2016 research, in which the 100 largest banks in Russia were involved, Citibank provides free payment for utility services to its clients, Tinkoff Bank, Credit Europe Bank and Uniastrum Bank.
You can add Promsvyazbank to this list, which has salary cards can pay for housing and communal services at no additional cost in the amount of up to 10,000 rubles.
How to pay for housing and communal services without a commission at Sberbank
How to pay utilities without a 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 mobile version Internet bank Sberbank Online 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 housing and communal services, you need to do the following:
- We go to the application service using the five-digit code specified during registration.
- In the settings, we check the specified Region for the correct display of service providers.
- We select the section "Payments and transfers".
- From the list of payments we choose "Housing and Communal Services".
- We fill in the opened form with the necessary data.
- Press the button "Pay".
- We confirm the payment.
- 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, you need to create your own on the official website. Personal Area by registering.
- In your personal account, go to the "Finance and Payment" section.
- We select the category "Payment for services".
- We need "Utility Payments".
- Find the right service provider.
- We fill in the form that opens: personal account, payment method, mobile phone number, payment amount.
- Press the button "Pay".
- 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 to 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:
- In the "Pay" category, select the required service provider.
- Enter the requested details and indicate the amount to be paid.
- We confirm the payment using the access code.
- In the received SMS message with payment data, you need to check all the information.
- To confirm the operation, send any SMS to the number 6996, for refusal - SMS with the number 0 to the same number.
- 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, we do the following:
- In the category "My cards" add the data used bank card.
- Find the required service provider in the "Pay" category.
- We fill in the opened form with the necessary details.
- We confirm the payment.
- We are waiting for an SMS message about the payment results.
ATTENTION: you can download the mobile application 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;
- we are waiting for an SMS message with the results of the payment.
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 allows you to save your home budget.
Single payment document- This is a receipt for housing and communal services, which residents receive every month. ENP is sent to the owners of residential and non-residential premises in houses where the centers of public services are responsible for the calculation. If you live in a private house or the house is serviced by a private management company, the bill for housing and communal services may be different. Such payments are sent not only in Moscow, but also in some other regions of Russia. Let's analyze a single payment document using the capital as an example.
How to use a single payment document
The ENP contains the name of the owner, the address of the apartment (premises), the payer's code, the list of services and the period for which the document was generated. For each service, the volume of consumption for the period, the cost per unit (tariff) and the amount are indicated. If there is a benefit or there was a recalculation, the amount will be indicated for each service separately. At the end of the document - total amount for all services and cost voluntary insurance.
How to get the ENP via the Internet
A single payment document is sent by mail once a month, but you can get it online without waiting for a letter in the mailbox.
Ordering the ENP on mos.ru
You can get the ENP online on the website of the Mayor of Moscow - this is an analogue of the website of state services, only for Moscow. To do this, on the service page, indicate the payer code from a single payment document and the period for which the document is needed.
EPD via SMS
You can subscribe to the automatic receipt of the URS. To do this, enter the apartment details in your personal account on the mos.ru website and check the box next to the method of receipt: e-mail or SMS. You can choose both options. Only the total amount is received via SMS, a list of services with details and a link to download a payment document in PDF format are sent to e-mail.
If you have not received the document, send an SMS with the text "rent 1234567890" to 7377, instead of numbers, enter your 10-digit payer code.
Receiving ENP via USSD-request
You can send a USSD request from your mobile phone. To do this, enter * 377 * 5 * 5 * 3 # and press the call button. In the next dialog box, specify the payer code - 10 digits without spaces. In response, you will receive the same SMS as in the previous version.
ENP through public services
You can pay for the ENP on the website of public services or through the application. In the "Payment" section, go to "Utilities", select "Housing and Communal Services of Moscow (EIRTS)" and enter the payer's code - the system will find the last generated payment document or offer to select a different period.
How to pay for housing and communal services using the ENP
On the mos.ru website
Upon receipt of the document, online payment is available on the website. The commission will be 0.8% of the payment amount, for holders social card- 0%. If you subscribed to the ENP by e-mail, the letter will contain a link to the payment.
Online bank
You can pay for the EPD through the bank's mobile application. Such an opportunity exists, for example, in the applications of Sberbank and Tinkoff-Bank. To pay, you need a payer code and a payment period. The size of the commission depends on the service through which you pay. For example, Tinkoff-Bank does not take a commission.
Through a terminal or bank branch
In the header of the EPD there is a barcode, which is "accepted" by the payment terminals. Most banks also accept payment of ENP at their branches.
How can you tell a fake ENP from a real one?
Check the payment details that are indicated in the document: the payee's bank must be VTB. At the bottom of the ENP, the total and living space your apartment - the data must match the real one. The amount insured must be indicated separately. If insurance is included in the payment or is indicated as mandatory, we recommend not paying for this document, but ordering a new one.
How penalties for unpaid bills are calculated
Receipts for payment are sent and received by the 15th day of the month following the settlement period of the ENP. The recipient has 30 days to pay for the document without late fees. Example: a payment document for October will arrive before November 15, it must be paid before December 15.
If you do not meet the deadline, penalties will be charged for each day of delay based on the amount owed multiplied by 1/300 key rate Central Bank valid on the last date of the due date. And after another 2 months, the amount of the penalty will increase to 1/130 for each day.
Example: if an October document for 5000 rubles is not paid until March, then for the first 2 months of delay, the penalty will be approximately 75 rubles, and by mid-March it will grow by another 162 rubles.
Do I need to pay for the voluntary insurance specified in the ENP
At the bottom of the ENP, the cost of voluntary insurance is indicated - this is the cost of insurance next month... The insurance covers a fire, an accident on the heating, water supply and sewerage lines, an explosion and some extreme natural events, such as a hurricane. Insurance is an additional voluntary service that does not have to be paid for.
In Russia, there are many ways that they use to pay utilities... The methods are absolutely effective and enshrined in legislation. But it is not always possible to pay for utilities without a commission.
Commissions for payments for housing and communal services are common, and most Russian banks set them.
Alternatively, a percentage of the amount transferred by the client is used. As a result, people are losing extra money and many would like to save on commissions. Therefore, it is useful to be aware of the conditions set by different banks.
What does the law say?
It is necessary to pay attention to the norms prescribed in Art. 1005 of the Civil Code of Russia. Exists agency contract, where it is written: one of the parties agrees to carry out legal, as well as other actions on its own behalf, but the work is carried out at the expense of the principal. The latter pays the set amount of rent in the manner prescribed by the agency agreement.
Art. 155 (part 15) of the LCD of the country it is said that Management Company can settle accounts with homeowners and charge them money for the use of real estate and utilities. In this case, the participants in the action are some payment agents who accept payments from individuals. persons.
Art. 155 refers to the payment of utility bills, as well as housing (house, apartment, etc.).
The amount of the commission that will be charged additionally
There is a commission for conducting banking transactions. Citizens of Russia need to obtain information themselves about which financial institutions offer the minimum or zero amount. Dealing with only one bank, and carrying out transactions using different methods, the fees charged are not the same.
So that there is no additional financial burden, it is advisable to learn everything about the features of transactions for paying for housing and communal services. In the future, the client will use the services of the bank, where the commission is minimal or will choose the most careful method.
You can pay attention to specific examples collection of a commission, for example, at Sberbank. If you pay utility bills through:
- terminals from 0.5 to 2%;
- cashier - 2-3%;
- online - 0.5-1%;
- ATMs from 0.5 to 2%.
Commissions when calculating using the terminal may vary. What matters is where the equipment is installed. Therefore, before paying, it is better to clarify the amount of the commission.
Payment for housing and communal services without commission
Employment, a frantic pace of life are not a hindrance to paying for utility bills at lightning speed. The latter is done easily, thanks to the development of electronic technology. You can use very convenient services for these purposes, and the commission will be minimal.
A person needs to make payments for utilities:
- mobile operator (MTS, Beeline, etc.);
- access to the Internet;
- bank card.
You can pay for services without a commission by visiting a housing and communal services institution. But there are queues waiting for the client that almost never disappear. Such a method is hardly suitable for a working person. It is time consuming. But it is very popular among pensioners.
In order not to give additional interest on the paid amount, you can use the bank's cash desk. But not all fin. institutions offer such services. First you need to find out whether a commission is charged or not in a particular place.
You can use post office and pay no interest, but there are restrictions. People who have entered into agreements with the Russian Post and are clients of the bank have this right.
Terminals and ATMs are quite a convenient payment method. But this applies to cardholders.
A good no-commission payment method via internet banking. There is no need to be afraid of this method, it is not inferior in the reliability of a direct visit to the bank.
Payments for housing and communal services can also be made through mobile operators. For this, special programs are used that are installed on laptops. They work well in the Android system on phones.
Not many banks provide customers with the opportunity to pay for utility services without a commission, these are:
- Tinkoff;
- Citibank;
- Credit Europe;
- Uniastrum Bank.
This became known as a result of research conducted in 2016. Promsvyazbank can also be added to this list, only without interest it will be possible to make a payment of up to 10 thousand rubles.
Post office
Payment for housing and communal services through the post of Russia is popular in small settlements, villages, villages. In big cities, the pace of life is fast, so such services are losing their attractiveness. After all, you need to visit a post office to make a payment.
In some regions, a commission is still charged for paying for housing and communal services at the post office. Before calculating, you need to clarify this point with the operator.
Payment is made near a free window. You often have to stand in line. The operator needs to return the filled books for services. The money is accepted by the postal employee, who then enters the data, transfers the second receipt to the client, and keeps the first one. The operator also returns checks to the customer, which contain information about the payment.
Sberbank Online
To pay bills without any problems, and there was no interest, you will need:
- access to the Internet;
- bank account;
- be a user of Mobile Banking.
It is necessary to carry out a number of simple actions:
- log in to your personal account (you can find out your password and login using the self-service terminal);
- the entrance to the site must be confirmed using SMS (a code will be sent to the phone, it is written in a special field that appears after entering the username and password);
- click "Payments and transfers";
- among the available categories click "Utilities and home phone";
- you should choose a service from the list that appears;
- then select a service provider from the list;
- a form appears that you need to fill out;
- if all the data is entered correctly, you can move on and click "Continue";
- Then again the code comes to the mobile phone, you need to enter it.
If everything is done correctly, and the payment is successful, a page will appear where the results of the action performed are displayed. The receipt can be printed if necessary.
To pay without commission, you can use mobile application from Sberbank Online. This method works great in devices that use:
- iPhone;
- Android;
- iPad;
- Windows Phone.
The application is downloaded from the official Internet resource of Sberbank. You need to register in this system after downloading it.
To pay for utility services through the application, you need:
- Go to the application (this is done with a five-digit code. It will be recognized during registration).
- You need to look at the settings and check the region so as not to make a mistake with the service provider.
- Click on "Payments and Transfers".
- A whole list will open, from which you should select "Housing and Communal Services".
- Select a service provider.
- A form will open, you need to fill it out.
- Click "Pay".
- Confirm the action.
If you need to check the status of a payment, then this information is contained in the history.
Yandex money
This service is very popular among users, this also applies to housing and communal services. The payment form can be found at home page wallet. But first they find the section they want.
There are transaction limits if you select this payment system. Maximum amount is equal to 10 thousand rubles.
It may take several days for the funds to reach the addressee. The money in the wallet will be debited to the account of the legal entity.
State Service Portal
The State Service does not take a commission for paying utility bills from its own clients. But interest on the amount paid can be calculated by the service provider, as well as the bank used by the client.
If the payer decided to resort to the website of the State Service, then he can use a bank account or electronic wallet.
To start paying through State Services, you need:
- go to gosuslugi.ru;
- log in to your personal account or register;
- entering the office, click "Payment";
- select "Payment for housing and communal services";
- click "Pay";
- a window appears, in it you should select "Get a service".
Thanks to this method, the client will avoid queues, save time, and eliminate confusion in receipts.
Terminals and ATMs
Some fin. institutions make it possible to pay for housing and communal services through an ATM without losing money on the commission, but such advantages are given only to their customers. If a person does not have an account in financial institution, then he will have to overpay interest.
To pay through an ATM, you need to select the item "Utility bills", which will certainly be on the board. You must also enter the required data. It is better to familiarize yourself with the terms and conditions before paying at an ATM, but not all fin. institutions enable the client to become familiar with these requirements.
Utilities services without commission are easy to pay using terminals. But fewer of them do not charge interest. You will need cash for this, no card is needed. It is necessary to enter the account number in a special field, some personal data. Then comes the payment.
Receipt of payment
The receipt (or ENP) of payment must be kept. It is not thrown away, but saved in paper form... If money was deposited via the Internet, you need to print a check. You will need receipts when selling a home.
The receipt storage period is 3 years. This is spelled out in the statute of limitations.
In 2018, it is quite possible to pay for utility services without overpaying the commission set by the bank. To do this, use terminals, payment systems that offer their services via the Internet, terminals and other available methods.
It will be interesting for you
There are several ways to find rent arrears., including without leaving home. Among them are such as:
Live
- The most reliable, but least convenient method of controlling payment for utilities is at the client's address. To do this, you need to visit the housing maintenance office and, as a rule, stand in a rather large line of visitors.
To clarify information about charges, you need to voice the full name and exact address of the consumer, by which the entire payment history will be found. Here you can also find out the current tariffs and pay receipts for the current period.
IMPORTANT! It should be noted that it is in the housing office that you can find out verified and fresh information about payments, fines and violations, because it gets into the database on the websites later. This method will be the best even if there are controversial issues.
- The second way to check the payment is in any large bank... Here you can use operator assistance or a self-service terminal. To do this, you must bring with you all available receipts. The bank employee will enter the consumer's personal account and announce the information on the existing debt.
Through terminals, the procedure is faster and easier. It is enough to select the tab “Payment for utilities” on the screen and enter the personal account number in a special line. Next, you should select a specific service: electricity, water supply, heating and others. After selection, the screen will display the payment history and possible debt.
- Using a similar check through a bank operator, you can clarify the debt for housing and communal services through post offices. A significant disadvantage here will be the extremely high consumption of time resources. You can find out the debt in the mail as by personal account, and at the address of the consumer.
Through the Internet
For those consumers who are not ready to spend a significant amount of time visiting the housing office and the post office, or who are on vacation abroad or on a long business trip, special online services have become salvation. They will also help in the case of renting an apartment to check the timely payment of bills by the tenants.
You can check debt online in the following ways:
There are also portals where information on all types of utilities is collected:
- One of the sites for checking housing and communal services debts is https://peney.net. By the number of the personal account, here you can get information about the payments made by e-mail.
- This kind of site is http://vse-dolgi.ru. Data will be required here natural person: Name, date of birth and phone number.
Step-by-step instructions for checking rates online
All current tariffs and standards for electricity, gas, heating and water in all cities Russian Federation can be found on the official website of the federal antimonopoly service RF - https://fas.gov.ru.
For this you need:
- Find at http://fas.gov.ru/pages/vazhnaya-informacziya/kalkulyator-zhkx.html "Calculator of utility bills".
- Select the locality of interest.
- Choose the number of registered tenants in the apartment.
- Choose the area of the apartment.
- Get information about tariffs.
Having received data from the site, they can be compared with the indicators of the received receipt. If the amounts do not match, you should go with a claim to the management company. In this case, you need to remember about additional fees for general house expenses.
For Muscovites, there is a similar calculator on the official website of the Mayor of Moscow https://www.mos.ru.
How to see if there are any outstanding payments?
One of the portals that allows you to find out information on paying utility bills is the site https://www.gosuslugi.ru. The algorithm of actions looks like this:
It must be remembered that the municipal authorities have established certain liability for non-payment of utility bills. Penalties are charged for arrears as penalties.
In extreme cases, housing office employees have the right to sue and stop providing services by turning them off, so each consumer should have timely and reliable information about payment for housing and communal services, choosing the most convenient of the described methods.
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