How to pay for education through Sberbank online. How to pay for education in a bank
- Tuition payment via Sberbank Online: transfer fee
- How to pay for studies in Sberbank Online without commission
Tuition payment via Sberbank Online: transfer fee
The advantage of paying for various kinds of services through - there are no additional fees for transfers. Of course there are exceptions, but they do not apply. The commission is charged only when transferring money to cards of other banks. And as you know, most non-profit institutions are serviced by the main bank of Russia. After payment, if you wish, you can print a check if you have a printer nearby or apply with this request to a bank branch, you can also print a check at the nearest Sberbank ATM. In order to receive an extract confirming the payment of tuition at a bank branch, you will need to present your passport, and the manager will provide you with a receipt confirming the full payment for services, backed up by the stamp of Sberbank. By the way, if you pay through self-service terminals, then the maximum payment is limited to 15 thousand rubles, which means you will have to carry out two operations in a row or more, depending on the cost of one semester of study. This is another advantage of Internet payments, since the daily limit for payment in the personal account of Sberbank Online is 500,000 rubles per day. Now let's take a closer look at exactly how to pay for services through your personal account.How to pay for studies in Sberbank Online without commission
After completing the procedure, go to the main page of the Sberbank website and log in with your username and password. Now step by step:What details you need, you can see in the image. Why are we saving the template? If you do not want to enter data every time, then the easiest way is to save the sample and only change the payment amount and time periods in the future. This will allow you to pay for your studies in just a few clicks. In addition, if you use the Sberbank Online phone program, you can pay according to the template directly from your smartphone.
Throughout life, we receive more than one receipt for paying for something. Including educational services (training) or childcare services. Kindergarten, school, higher educational institution.
The usual reaction is to take a receipt, go to a bank branch (often this is a savings bank), stand in line at the cashier, the operator fills in the data, pay the amount with a commission, and receive a payment receipt. A slightly more advanced way is to pay through an operator with a plastic card. Even more advanced - payment in the terminal with a lower commission.
But there is a commission both there and there. Often it can reach up to 3%. Well, what, the bank must somehow support its employees, not only attract deposits at low rates ...
Interbank
Commission can be avoided. Or minimize it. All you need is a normal bank with internet banking and interbank transfers. Either free or for a fixed amount of 10/20/30 rubles.
If the organization is budgetary, then the personal account for payment should be a treasury one, and for a bank this will mean a payment to the budget. And in many online banks it will be completely free. If the organization is commercial, then the account will be in one of the banks and there will be the same fixed commission.
Separately, it is worth noting that it is now popular to conclude agreements between banks and organizations, when there is already an organization in the “Payment” section and you do not need to enter the details yourself, but these are rather special cases.
With an interbank transfer, we need to indicate to whom and where we pay, and for what. All this information is on the receipt.
Another educational institution can issue an invoice, for example. These details will also be there. Or they can give a sample payment order to transfer funds to them in payment for services.
We pay with cashback
Sometimes you can pay more and benefit for yourself.
The ideal option is the possibility of paying with a plastic card on the website of the institution. Well, and the MCC code bonused by the card issuer (your cashback card).
Unfortunately, despite the various laws, from which, it seems to me, it follows that universities must still accept payment by cards, this is far from being implemented everywhere. For example, some make their own internal card, which must first be replenished, and then you can pay. And at the same time, a commission arises at one of the stages.
Another option is to pay on the payment service (Yandex.Money Receipts, PayQR, AllPayments, etc.) using free details with a card that will pay cashback according to the received MCC. But in most cases, the service commission is more than your reward.
—
The methods described above apply not only to tuition fees. In the same way, you can pay for housing and communal services, for example. If the provider does not have a website with a form of payment, and banks add a commission when paying at the branch.
How does the receipt appear?
Receipts are usually formed by several methods: the advance method based on the calculation for the coming month, taking into account debt / overpayment, the actual method based on accruals for the previous period, the combined method (both receipts are possible: with a debt and with an advance payment).
Technically, in 1s, you can generate receipts, taking into account the status of settlements on the first day of the month. So, for example, if you paid a receipt on the last day of the month, the funds are unlikely to reach the institution's current account (if it is not an interbank transfer) on the required date and you will see a debt on the receipt on the first day.
If we are talking about accruals for housing and communal services, then receipts fall into the GIS housing and communal services (State information system of housing and communal services).
If we are talking about the accruals of bodies providing public services, then there is the GIS GMP system (State Information System for State and Municipal Payments).
If we are talking about Moscow public services, including educational ones, then this is the IS RNiP system (State Information System, which provides registration of accruals and payments in the city of Moscow).
If the receipt is sent to the information system, then it has a UIN - a unique accrual identifier - a field by which you can track both the accrual and the payment on it (there is a corresponding requisite in the payment order).
How to check accruals and pay a receipt with a card
From time to time, services appear that provide the opportunity to pay a receipt without a commission, but this gift is usually limited in time.
One of the payment methods is the public services portal -. In the fall of 2018, the portal made it possible to pay school receipts with a 1% UIN commission. Payment in full only.
Another way, for Moscow, is the Mayor's portal: . Here you need to find an educational institution, select the correct service, find the accrual according to SNILS or another identifier, then pay. Advance payment is possible without accrual of an arbitrary amount. In the fall of 2018, the portal allowed paying school receipts with a 1.5% commission when paying by card and with a higher commission when paying from a phone balance or electronic wallets.
There is an interesting functionality on the A3 portal - search for charges by payer ID (for all services): , with the possibility of further payment. In the fall of 2018, the portal allowed paying school receipts with a 1.5% commission.
I also know that some Internet Banks are able to search for accruals by identifiers or make payments by UINs, but most likely these operations do not apply to bonuses.
How to pay for tuition at a university for a graduate who did not pass on the budget? It is clear that the parents of a future student have to prepare in advance for the possibility of paid education. However, the amount set aside for education can be partially saved by using benefits and subsidies, realizing tax deductions and finding internal reserves of the family budget. Experts from the Financial Health project tell you how to do it.
This goal only in the first approximation seems unbearable. Consider what parents can do.
Bank account. Suppose we need 1.75 million rubles. to study at Moscow State University. If admission to a university is planned as early as next summer, then yes, the amount looks daunting.
But if the child just went to school, then you have 11 years left. In this case, a suitable set of moderately conservative instruments (13% per year) and 13,200 rubles. monthly contributions will ensure the achievement of the goal of "a decent education for the child."
An important point: we take into account not the current cost of education - 1.75 million rubles, but the future cost of 3.2 million rubles, because the price of education, like other goods and services on the market, is affected by inflation by an average of 6 % in year.
And if the child has just been born, it is enough to set aside 400,000 rubles for his future education. all at the same 13% per year, in order to receive the required amount of 3.2 million rubles by the 18th anniversary.
If there is not much time left before the start of studies at the university - say, a few years, you can consider other ways to make savings for the child's education
Cumulative life insurance. This tool under any circumstances guarantees the receipt of the planned amount by the required date, and moreover, no plans for misuse of funds will work here.
Apartment for rent. Rent payments are quite capable of covering the cost of education, and this is true for almost any city in the world. And if parents have a goal to form a pension reserve for themselves, then buying an apartment can be an excellent solution for both of these goals at once: to provide for a child during the study period, and for parents in retirement.
The cost of one year of study at financial faculties varies as follows:
- from 40 to 100 thousand rubles - in the leading universities of regional cities;
- 350-360 thousand rubles - at Moscow State University. Lomonosov and St. Petersburg State University;
- 1.26 million rubles - in Oxford (about 20,000 pounds).
Tuition fees: additional options
Maternal capital. If the parents have not yet used it - for example, to buy real estate or pay off a mortgage - then it is quite possible to send the money to study in Russia.
13% of the amount spent on paying for educational services can be returned as a tax deduction.
There is a huge amount charitable foundations which provide both full tuition and small scholarships for students wishing to study abroad, such as the Ford Foundation International Scholarship Program.
15,600 rubles of tax can be returned to the personal budget annually through a social tax deduction (according to Article 219 of the Tax Code of the Russian Federation), provided that you spent 120,000 rubles or more on education, treatment, financing a future pension or charity, provided that in the current the tax period you paid such amount of tax.
If the amount of expenses is less than 120,000 rubles, then the deduction will be proportionally reduced. But if the amount of expenses is more than 120,000 rubles, then the amount of tax that can be returned cannot be more than 15,600 rubles.
The maximum amount for the tax deduction is 120,000 rubles, however, the cost of educating children is no more than 50,000 rubles for each child in the total amount for both parents.
For example, if a person spent 70,000 rubles on the education of a child in a year, then the amount of the social tax deduction will be 50,000 rubles. (* 13% = 6,500 rubles - the amount of tax to be returned). If both parents spent 100,000 rubles on the education of a child, then their total deduction will also be equal to only 50,000 rubles. If a parent paid 50,000 rubles for the education of two children. for each, then the amount of the deduction will be 100,000 rubles (* 13% = 13,000 rubles - the amount of tax to be returned), and if for three, then no more than 120,000 (* 13% = 15,600 rubles - the amount of tax to be returned ).
At the same time, an important condition for paying for a child is his age - up to 24 years, as well as mandatory full-time education and the availability of a license from an educational institution - this is the only requirement that applies to paying for education for himself (age and form of education in this case, the role do not play).
When determining the amount of the social tax deduction, only the costs associated with paying for the education itself can be taken into account. Expenses incurred during the period of study, but not directly related to the educational process (accommodation, meals) are not included in the cost of education. Therefore, when determining the size of the social tax deduction, they cannot be taken into account.
Deductions can be obtained for studying in a kindergarten, general education private or public school, English language courses, music or art school, sports section, university (including foreign), but on one condition: a license for educational activities.
How to get a tax deduction
Deductions can only be received at the tax office at the place of residence, while it is necessary to file a personal income tax return for the year in which the expenses listed below were made.
Social tax deductions are provided at the end of the calendar year when submitting a tax return to the tax authority and submitting documents confirming the taxpayer's expenses. Such documents include contracts for training, treatment, and other payment documents (KKM check, cash receipt order, payment order, etc.).
When receiving a social deduction, it is not the period of study that is decisive, but the date of payment, i.e. when paying for several years of study, it is necessary to apply for a deduction in the current tax period.
The social tax deduction does not apply if the payment of tuition costs is made at the expense of funds.
A social tax deduction can be granted only on the basis of documents confirming the taxpayer's actual expenses for education, including an agreement with an educational institution.
If the contract is drawn up for the child, and tuition is paid on his behalf, that is, the parent is not indicated in the documents as a taxpayer, then a power of attorney (or a contract of agency) must be provided from the document for reimbursement of the deduction, according to which the parent trusts his son ( daughters) to pay for tuition. According to Art. 29 of the Tax Code of the Russian Federation, the taxpayer may have an authorized representative.
If in one tax period social tax deductions cannot be used, then the balance of deductions is not transferred to the next tax periods. Those. if you paid for tuition in 2016, then you must file a declaration for a tax deduction strictly in 2017. Also, if for 2016 the amount of tax paid was less than the amount of the tax deduction, its balance is not transferred and will not be returned.
Study abroad and tax deduction
If you are a citizen of the Russian Federation, then all the rights provided for by the Constitution and tax laws apply to you without restrictions, including the right to a tax deduction. A person who has spent money on education at an educational institution (educational organization) can receive a social tax deduction. In this case, the deduction is provided regardless of where the institution is located (letter of the Ministry of Finance of Russia dated March 18, 2010 No. 03-04-05 / 7-109, paragraph 3 of the letter of the Ministry of Taxes of Russia dated January 30, 2004 No. ChD-6-27 /one hundred). The only condition: an educational institution (educational organization) must have a license or other document that confirms the status of an educational institution. For example, to clarify the status of an educational institution located abroad, you can get a certificate from its administration and translate it into Russian.
Grants and scholarships: where to apply
You can apply for a study grant at the representative office of the country in which you wish to study. As a rule, grants and scholarships are referred to the department of culture/education, which can provide all the necessary information.
You can also contact specialized agencies, such as the British Council. Such organizations represent the interests of various foundations. All the necessary information about scholarships and grants is on their websites, where you can apply online or ask about programs, terms, education system, etc.
Another way to get a study grant is to send information about yourself to the colleges or universities you are interested in. They probably have something worthwhile to offer, if, of course, you can beat the competition by making sure you're the right person for the grant.
Discussion
Good day! The topic is relevant. In fact, there are options for creating a financial reserve, including for the education of children. The fact is that the most stable thing in our life is change. It's great that there is an opportunity to get information, well, the conclusion and everyone makes their own decision.
09.07.2017 16:46:50, Elizabeth RakovaAdvice for which country?
Probably didn’t come across the denomination personally ...
our mothers were already saving, saving ... and then the money depreciated by our 18th birthday ...
Just great advice: as soon as the baby is born, put 400 thousand at 13%% per annum (where?) Or buy an apartment so that you can later teach the child with the money from renting it out.
Comment on the article "Paid education at the university: how to save and save"
Section: Education, development. Is it paid at the "dream university" or is the budget at the university simpler? Are you considering paid tuition? If possible, of course. The son was planning one university, but most likely he will only go to a paid one.
Paid education at the university. My son is taking the Unified State Exam... and I'm rushing about, calculating different scenarios. He wants the economy. The economy will be in demand sooner after graduating from a good TOP university.
Girls, you all know, so again to you)) Is there a competition for paid in these universities or will they accept it in any way? I don’t hope at all, I don’t have my head in the clouds and I understand that paid training does not give any guarantees.
If the university ONLY paid education at the desired faculty. Do you submit the original there at stage 1 and that's it? Automatically lost the opportunity to get into another budget??
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Then sit, choke on tea and think that I saved money. It is now a common occurrence - to choose paid education at the desired faculty or at the desired university, even if you go on a budget elsewhere.
A year ago I graduated from Moscow State University, and now I work as a manager in a fairly large Moscow company. Like all former students, I like to reminisce with friends about my years of study at the institute, and of particular interest to me is the discussion of the process of passing exams before the appearance of the microearphone and during its use. As students, everyone took exams and almost everyone used cheat sheets to pass. I'm in my first and second year of university...
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And a paid university. With a reduction in pay for successful students. loans for education, and endowment insurance for parents. At the same time, I doubt my ability to pay for education at a prestigious university.
It seems that there is no competition for paid education - whoever passed the money and exams in the profile passes? And yet, the opportunity to apply to 5 universities is about the budget, but if you apply only for paid education, then this rule does not work?
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During this time, it is quite realistic to save up for a fee without superhuman efforts and without prejudice to what would it threaten? In pluses - the large sum saved by me for 6 years. Only I think that in 10-15 years, the prices for 5 years of study at a decent university will be comparable to ...
We offer instructions on how to pay for your studies through Sberbank Online step by step. Recently, this largest Russian bank provides an opportunity to pay for a secondary school, a semester at a secondary school or university, and additional educational services. To do this, you do not need to go to the bank personally, you just need to become a client of Sberbank, get one of the cards and with the help of a manager, or install and configure a mobile application or personal account in the online version yourself. It is very convenient that now you can pay for tuition without commission and at any time.
Instructions for paying for tuition through Sberbank Online
Before you pay for basic or additional education, you will need to find out the necessary payment details. They must be specified in the contract for training. But it’s better to clarify these data directly in the accounting department of your educational institution, as they may change from time to time. In addition to the details, you will need Internet access, a Sberbank card and some free time.
The algorithm for paying for studies through Sberbank Online will be as follows:
- Log in and enter your personal account. This will require a login and password, which are initially generated when concluding a service agreement with the bank. The user can change them later.
- It is worth remembering that the passwords from the personal account are not disclosed to anyone, including bank employees, as well as the pin code of the card.
Now you have to choose a specific school, college or other educational institution. Usually their list is very long, and it can be difficult to navigate it. It will help to set the required region on the main page of the online bank. After that, only those institutions that are located in the selected region will be displayed in the list. They are listed alphabetically and numerically. If the list still seems long, you should use the search.
In the window that opens, you will need to fill in all the required fields. Required to specify:
Before clicking the "Pay" button, you should once again carefully check all the entered data. Creeping errors can cause a refusal to complete a transfer or send funds to the wrong address. In the latter case, it will take a long time to return them, moreover, a personal visit to the bank, and sometimes more than one, will be required.
You will need to confirm your desire to make a payment, for which a verification secret code is entered in a special field, sent by SMS to the number indicated when concluding an agreement with Sberbank. A message of the corresponding content will notify you of the successful completion of the payment.
If in the future it is expected that such payments will be made regularly, then it is worth saving the very first one as a template. The online bank itself will offer to do this. Using a template will save you from entering all the details and other information every time, they will be filled in automatically.
also on the list of the most expensive. Sravni.ru figured out where you can get money for education and in what cases you can study for free, even if you failed to pass the exam well.1. Get a target referral
The target area is an opportunity to study at the expense of the state by concluding an agreement with an employer company. Under this agreement, the organization is obliged to provide the student with social support and a place for practice during the study, and the student must then work in this company for several years after graduation.
Only institutions, departments or companies in the authorized capital of which have a share of the Russian Federation have the right to issue target areas. For instance,
Moscow, GK "", " " and many others. All kinds of such organizations can be found in “On Education”, and we also made a list with examples in.To get a target referral, you need to contact the personnel department of the employing organization and pass an interview. There is a separate competition among target applicants in universities. Those who did not pass the “target” competition can apply for general budget or paid places, or even refuse to enter the university.
2. Use maternity capital
Families in which a second child appeared from 2007 to 2021 can receive maternity capital. In 2018, the amount of maternity capital is 453,026 rubles. This money can be spent on various needs, including paying for the education of children in Russia.
To pay for the education of the child with maternity capital, application, passport of the certificate holder and a copy of the agreement on the provision of paid educational services certified by the university. On the date of commencement of studies, the student must be no older than 25 years old, and the child who gave the right to the certificate must be 3 years old.
3. Take out a loan
Education loan with state support
The educational lending program with state support was launched in 2009, loans were provided by Rosinterbank (lost its license in 2016) and Sberbank. Preferential loans were issued at ¼ of the refinancing rate of the Bank of Russia plus 5 points (7.5% per annum at the beginning of 2017). Amount of credit up to 100% of the tuition fee, the loan term was equal to the tuition period plus 10 years. The product was issued without collateral for a loan, without guarantors and without commissions, including to borrowers under 18 years of age (with the permission of the guardianship and guardianship authorities, as well as the written consent of legal representatives). In 2017, the issuance of preferential educational loans was suspended.
According to Irina Abankina, director of the Institute for the Development of Education at the Higher School of Economics, the state-supported lending program was not profitable for banks. “Banks began to switch to new banking technologies, in which it is important to have a standard product line. And an educational loan is a non-standard product that required high administration costs. In addition, in the conditions of the economic crisis, low interest rates were unprofitable for banks,” the expert explains. According to Abankina's calculations, the issuance of preferential student loans will resume by September 2018.
About restarting the program from autumn 2018 Head of the Ministry of Education and Science Olga Vasilyeva, answering questions from NUST MISiS students during an open mic.
The press service of Sberbank confirms the information about the continuation of the educational lending program with state support, but it is difficult to name the official launch date - the details of cooperation are still being discussed between Sberbank and the Ministry of Education and Science of the Russian Federation.
If preferential loans begin to be issued in September, students will not have time to use them to pay for the first semester of education, warns HSE Vice-Rector Sergei Roshchin. He also notes the need to resume the program and its compliance with world practices.
Target educational loan
Consumer loans for higher education are offered by only 3 banks out of the top 70 by assets.
Bank - loan |
Bid |
Credit limit |
Special conditions |
Post Bank - "" |
14,9 – 27,9% |
From 50,000 to 2 million ₽ |
The loan is provided to students and university applicants from jar. No collateral. |
Credit Europe Bank - " » |
19,3 – 23,5% |
From 10,000 to 500,000 ₽ |
The loan is provided to university students from jar. No commissions, no collateral. |
Zapsibcombank - " » |
11,5 – 16% |
Up to 80% of tuition fees |
The loan is provided to clients who receive salaries on the Zapsibkombank card, employees of budgetary organizations, bank of enterprises or customers with a positive credit history in the bank. With security. |
Source: websites and press services of banks
All three banks provide loans in tranches and only to pay for education in Russian universities. The loan is issued to borrowers over 18 years old (in Zapsibkombank - over 20 years old) with a stable income. At the same time, many of the Russian applicants graduate from school and enter a university before they reach adulthood, so banks offer students to act as co-borrowers.
There are so few targeted educational loans on the Russian market because it is difficult for banks to assess risks, says Oleg Shibanov, professor of finance at NES, Deputy Vice-Rector for Academic Affairs.
“If you issue loans secured by property, then the question will arise: why should the owners not take such consumer loans on their own, without the additional subtitle “educational”. If you issue them without collateral, then the question of assessing the probability of return and the cost of money for students becomes difficult,” the expert argues.
Shibanov cites the example of the United States, where, despite many years of experience in educational lending, the total amount of debt accumulated by students about $1.3 trillion and very hard to repay by borrowers.
According to Sergey Roshchin, targeted loans for education, which are available on the Russian market today, will not be able to replace educational loans with state support. “Study loans should differ from ordinary consumer lending in terms of terms - rate, repayment terms after graduation. Educational loans, which are close to consumer loans, are a less interesting product,” the expert says.
4. Get a discount
Some universities provide students of paid departments with discounts on tuition. Of the 10 most Universities have such discounts in four:
NRU HSE . Applicants who did not have enough USE scores to enter the budget department can discount up to 70% for the first course and extend it with good academic performance. Also, discounts of 70, 50 and 25% are received by winners, prize-winners and participants of school Olympiads. The average discount in 2017, according to Sergey Roshchin, was 35%.
WAVT. Discount 20 – 70% undergraduate and graduate students who lacked 1– 5 points for admission to the budget, excellent students, employees or children of VAVT employees.
Financial University. Discount from 5 to 100% can bachelor's and master's students who did not get a few points before enrolling in the budget, winners and prize-winners of school competitions, graduates and children of graduates of the Financial University, graduates of basic schools, partner schools and the lyceum of the Financial University.
RANEPA under the President of the Russian Federation. Discount 10 – 80% is provided to students who did not have enough points to be credited to the budget, winners or prize-winners of school Olympiads, excellent students, employees and close relatives of the Academy employees. A complete list of conditions for obtaining a discount is available at university.
5. Other options
Accumulate.According to the National Research University Higher School of Economics, the average cost of education in state and municipal universities in Russia in 2015 47 627 ₽ per semester. If every month you set aside 10% of the average salary in Russia (43,381 ₽ as of April 2018 according to Rosstat), then it will take about 7 years to save for 4 years of study at a university.
Take a consumer loan. Banks issue loans to borrowers over 18 years old (often over 21 years old) with work experience in the current place of 3 months or more. This option is suitable for parents of students or full-time and part-time students who can work and pay off the loan on their own.
Win the Olympics. By winners and prize-winners of the All-Russian Olympiad for schoolchildren have the right to be admitted to a university without entrance examinations. Also, the best athletes of the country - champions and prize-winners of the Olympic Games, world champions, European champions - can enter without exams for a specialty related to physical education and sports.
Advice: if you paid for your studies at a university, do not forget to get a tax deduction.
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