Payment of utilities is an obligatory cost item for each family. Prices for housing and communal services are constantly growing, so Russians are trying to save on commissions for transferring funds. This is easy to do, knowing where and how to pay utility bills without a commission.
Possible options
There are several ways to reduce utility bills. Any of the options provides for the transfer of funds to the supplier of housing and communal services without additional expenses.
How to pay a rent without commission:
- Contact the company itself.
- Come to the office of the partner bank.
- Make a payment in the terminals.
- Transfer through online wallets.
- Transfer through the "Post of Russia".
- Through online banking.
- Using a mobile application.
There is no company that would guarantee the transfer of funds without a commission for all suppliers. Therefore, for 100% savings, the payer can use several options for transferring funds.
At the office of the housing and communal services provider
One of the proven ways where you can pay a rent without a commission is to transfer funds through the cash desks of the company itself. Not all service providers accept cash directly from customers, this is provided only in large organizations.
For example, one of the options for paying a rent without a commission in Moscow for electricity is to visit the Mosenergosbyt office. The company’s website has addresses of branches and their operating modes. For example, the eastern branch is located on the street. Morning, 8-A, p. 1.
But this is not the most convenient way if the client must make payments on the accounts of several companies at the same time. If to add to the time costs the fare, then it can even exceed the savings for the lack of commission.
It is recommended to pay utility bills at the cash desk if the payer wants to receive a recalculation or replace the meters. In the immediate vicinity of the branch from the tenant’s house, you don’t need to spend money on travel, but in other cases this method of paying for housing and communal services will incur additional costs.
Through banks
Banks are not an absolute option how to pay a rent without a commission. They do not charge a commission for payments only to those companies with which they have a contract. When paying for utilities of other services, you will have to pay fees with a commission to the bank.
You can find out if the communal service cooperates with a specific bank on the housing and communal services website or from the receipt. The form indicates where to pay the rent without commission, including banks and other partner organizations.
It is recommended to clarify in advance about the amount of commission when paying through a bank before the transaction. Bank managers will tell you by what receipts their commission will be charged, and which clients can pay without additional costs.
In most banks, it is more profitable to make purchases with their credit card. In this case, the commission will be 0-1%, and when paying in cash, the client will have to overpay 2-5% of the housing and communal services.
Transfer funds in self-service devices
A quick way to pay rent without a commission is to use the terminals. Banks offer their customers the opportunity to make regular payments to utility bills suppliers around the clock using ATMs and terminals.
Devices do not require special skills: customers can make a payment using a bar code or a QR code on a housing and utility receipt. The payer can change the data, enter an arbitrary amount or enter counters. After making a payment, a check is issued for each receipt.
But banking terminals, like the banks themselves, only allow partners to make payments without commission. It is easy to understand whether a fee will be charged when paying: just bring up the barcode of the receipt and check the data on the screen. If in the column "commission" is "0" or it is generally absent, then you can pay utilities without costs.
Where to find terminals for paying for services?
To use the bank's terminals, you need to study their location. Almost every bank has zones for round-the-clock payment acceptance. They are located near offices or large shopping centers, as well as in municipal institutions, such as hospitals. A list of all terminals is on the bank's website.
Terminals are a convenient option where to pay a rent without a commission in St. Petersburg, Moscow and other large cities. Within the metropolis there are more than twenty thousand devices that are located at a distance of 300-500 meters from each other.
Online through e-wallets
Every third Russian prefers to make payments online. It is not only fast and convenient, but also profitable: the commission for payments via the Internet is always lower.
Online wallets, which most customers used to replenish the Internet and mobile communications, now allow you to pay off debts for utilities without commission.
The most popular in Russia are Yandex.Money and QIWI. To pay using these services, the client must first register. To register, it is enough to provide mobile phone data.
Features of using terminals
To make payments, wallet owners must deposit funds into the account of the online service. There are several ways to do this:
- In the terminals. QIWI terminals are one of the most common devices in Russia. They are familiar to almost every citizen. Now through the terminals you can not only replenish your mobile, but also deposit funds to an electronic wallet without a commission.
- In the devices of banks. ATMs deposit money instantly, but may require a commission of one and a half percent for services.
- In the online bank. Wallet owners can transfer funds to the Yandex.Money account without a fee, for example, to Sberbank Online. Money is credited instantly.
After replenishing the account, the owner of the wallet can make a payment. This is a convenient option when answering the question of where to pay the rent without a commission around the clock. Services allow you to make payments without commission to partners' accounts. For the remaining operations you will have to pay 2-5% of the amount.
Repayment of debt for housing and communal services in the offices of the Post of Russia
Russian Post branches were among the first companies to accept payments for housing and communal services. As in other organizations, not all receipts here can be paid without charging a commission. But most suppliers of housing and communal services concluded an agreement with Russian Post, according to which the transfer of funds to their account through branches of a state organization is free of charge.
Where to pay the rent without commission in Moscow at the Russian Post offices:
- st. Marshal Konev, 12.
- st. New Basmannaya, 15.
- st. Udaltsova, 14.
- st. Malygina, 6.
- st. Barvikhinskaya, 8.
- st. Myasnitskaya, 26.
- nab. Presnenskaya, 8, p. 1.
A complete list of addresses with the operating mode and schedule is on the Russian Post website.
How to pay the rent without commission in St. Petersburg (list of Russian Post branches):
- st. Post Office, 9.
- pl. Hay, 13.
- Ave.Kamennoostrovsky, 15.
- st. Kazan, 6.
- Ave. Nevsky, 65.
- trans. Finnish, 9.
- nab. Novosmolenskaya, 1A.
To clarify information on other cities and regions, it is necessary to select the region and click on the list of branches of the Russian Post.
This option is convenient for those who know how to pay a rent without a commission, and which suppliers have concluded an agreement with a state organization. In 2018, no commission was charged for electricity supply companies, for example, Mosenergo, payment for a landline telephone and Internet from Rostelecom. The full list of partner organizations can be clarified at the Russian Post office.
In the online bank
The modern way to pay off the debts of housing and communal services is to make a payment using the online bank. To use the option, you must have a plastic card of the issuing bank with connected SMS banking.
Payment through the online service is carried out with a minimum commission - 0-1.5% of the amount. To make a payment, the card must have cash. Payment is made online: immediately after debiting from the card, the money goes to the account of the management company.
The leaders of the banking sector of Internet applications in Russia are:
- Sberbank
- Tinkoff
- "Alfa Bank".
- "Post Bank".
- "Moscow Industrial Bank".
How to pay a rent without commission via the Internet in Sberbank Online: step-by-step instructions
To pay, the client must have an active Sberbank card with the Mobile Bank service activated. You can connect the service in the bank office, terminals or by phone of the support service.
Here's how to pay for utilities through Sberbank Online:
- Log in using your username and SMS password.
- Go to the "Transfers and Payments" tab.
- Select a region of payment to speed up the search (next to the section "Payment for purchases and services").
- Dial the TIN of the service provider. TIN is indicated on the receipt.
- Select the desired organization (if there are several) and the type of payment, for example, utilities or combination lock.
- Enter the personal account number. For some companies, it is entered with the area code (before or after). If the number is too short, then zeros are indicated in front of the personal account. There is a clue for customers - the active line "sample receipt".
- Verify data. After entering the personal account number, the payer address will be displayed.
- Enter the counter data (if any) and the amount. In some receipts, the amount of debt is determined automatically after entering the personal account number. Just compare the data.
- Check details and confirm payment.
The commission, if any, will be indicated after entering the payment amount. An indicator of a successfully completed operation is the status "Completed" after entering the code from the SMS notification. This is one of the fastest and most convenient options, how to pay a rent without a commission, without leaving home.
Repayment of housing and communal services debt in a mobile application
Another way to quickly and free of charge transfer funds to suppliers of housing and communal services is through mobile applications. Bank customers can download and install them for free through the App Store or Google Play applications. Payment in the application is carried out with a credit card.
Using applications, payers can deposit funds to the account of a housing and communal services provider within a few seconds. You can use several options for payment:
- Read the QR code from the receipt. Such a service is available to the leaders of mobile applications - Sberbank and Tinkoff.
- Pay by details. The client enters the details through the "Payments" tab. One of the main ones is the TIN, with the help of which the organization is searched and companies are sorted. Next, enter the personal account number.
- Select a company from the list. To speed up the search after payment, you can save the template to spend 2 times less time on payment.
