Every day more and more citizens are thinking about how to pay for housing and communal services without a commission. This process is extremely important. After all, utility bills are regular and monthly payments. Without them, you cannot live normally in an apartment. Untimely payment entails a fine (in the form of a penalty), and also over time this will lead to the disconnection of certain communal services in the house. Light, water, heating, gas - all this can be lost if you do not get rid of the "communal apartment" in time. So how can utility bills be paid without commission? What are the options and how do they come to life?
Banks
So, the first deal that can only come to mind is an appeal to the bank. To be honest, this method does not give you a 100% guarantee that the commission will not be withdrawn from you. Most banks take it anyway.
So, if you want to contact a banking organization, first find out if they can pay for utilities without taking a commission from you. Some organizations allow you to take advantage of this feature. What will be required for direct payment? Only money and a receipt. Sometimes you may require a passport. Take it with you.
Terminals
How to pay utilities without commission? A modern and quite convenient approach to solving our current problem is the use of a variety of payment terminals. Some of them allow you to make either all payments without commission payments, or some specific ones. For utilities, a similar rule applies.
In order to avoid problems and unnecessary questions, it is advisable to know in advance in which specific terminal (from which company) the "communal apartment" is paid without a commission. It is worth noting that some organizations will still charge you an additional fee. In the terminals of Enorgotransbank you can pay without commission.
What do you need? Payment of housing and communal services in this case occurs with the help of a payment account, your Energotransbank card, as well as personal data. Sometimes there is a deposit of funds to the terminal (and any) with cash. Easy and simple. Learn more about the direct payment of housing and communal services through the terminal below. To begin with, it is worth exploring all the possible scenarios.
Banking
Housing and communal services can be paid without commission through the so-called Internet banking. A very convenient and modern way, which is chosen by many users. It is attractive because you can use the appropriate service from your bank at any time and bring the idea to life. In this case, the process will occur in the usual environment for you, this is a cashless transfer. Convenient, practical, fast.
Internet banking is a kind of payment by the housing and communal services card without a commission using the World Wide Web. All that is required of you is the details of the recipient. Simply put, payment order (receipt). And, of course, your bank card. Most often, payments are made through utilities through Sberbank Online. This service is in great demand. It is easy to manage and allows you to quickly and at any time, day or night, get rid of utility bills.
ATM
How to pay utilities without commission? The modern approach to solving our current issue is the use of ATMs. Also quite a popular and common method. It implies the use of a bank card in the sale.
In principle, the algorithm of actions is similar to using payment terminals, especially when it comes to those that were delivered directly by banks. So, for this process you only need a mobile phone (to confirm the operation), as well as your personal data, bank card and details of the recipient (receipt of payment). Nothing more is needed. A few minutes - and you can pay utility bills without commission. Read more about this process below.
post office
No matter how strange it may sound, but now, under certain circumstances, you can pay utility bills at the Russian Post without commission. If you have a bank card of "Sberbank" or "Bank of Moscow", then you will not be charged a commission. True, exclusively non-cash payment is considered. If you pay in cash, you will still be charged extra money. Not too big, but sometimes even they can lead to huge expenses.
What do you need to bring your ideas to life? Payments, plastic card, as well as passport. Next, contact the "Russian Post" at the cash desk. This process is similar to the calculation in the bank. You give out receipts, present your passport, use the banking "plastic" to make the calculation - and the job is done. The main thing - do not forget to pick up the checks.
This option is not too popular. And so many people think about how payments for housing and communal services can occur without commission payments. At the Russian Post, the process is usually "delayed." And cashless payments should be used, as citizens recommend, on their own. There is no point in the operation in the mail.
Purse
You can also pay for all utilities online. This process attracts many users. You just have to carefully watch whether they charge you a fee or not. How exactly can I pay bills via the Internet?
For example, the ideal option for those who do not like to use bank cards and cash is the use of an electronic wallet. Paying for housing and communal services using it is no more difficult than using Internet banking. Only now sometimes payments made by a similar method are processed for some time. So, do not postpone the payment on the last day - a debt may appear.
What is required of you in this case? With what is the payment of housing and communal services online without commission if you decide to use an electronic wallet? Everything is extremely simple here. As in most cases, you will be required to receive a payment receipt. More precisely, data on the amount of payment, as well as details of the recipient. No passport and bank cards are provided for in this development.
Payment.ru
Well, sometimes on the Internet you can pay utility bills without using a variety of electronic wallets and Internet banking. But what are we talking about?
About a variety of specialized services. They are designed specifically so that citizens can pay utility bills, as well as other services without a commission. A very good and proven site for implementing this idea is "Payment.ru".
It is with its help that you can quickly answer and figure out how to pay for housing and communal services without a commission. True, initially you will have to register in the system and attach a bank card to your account. This process will cost about 150 rubles. This is the only additional payment you will have to make. Then you will have a great opportunity to pay utilities without commission fees. Just what you need!
Via Sberbank
Now a little more detail about how specifically payment is made. After all, it is important to understand which services to rely on, which menu items of certain systems to resort to. The first scenario is to pay with a card through online banking. Consider this process using the example of Sberbank Online.
The first step is to go through authorization in the system. After that, you will be taken to your personal account. Next, go to the "Payments and Transfers" tab. Here you can select "Housing and Utilities Services", and then find the appropriate payment and the recipient there, confirm the payment and enjoy the result.
But more often than not, this process is time consuming. Therefore, a different trick is used. After going to "Payments and transfers" you will see a search bar. Enter the recipient's TIN (from the payment receipt) into it, and then select the company’s current account to which the funds will be transferred. Fill in the details (usually the code of the management company, the account number of the receipt, information about the amount paid) are required from you and check that they are correct. Ready? Then click "Next", enter the verification code in the appropriate field (the "password" will come to your mobile phone), we receive a receipt for payment. It is desirable to print it and attach it to the payment card. That's all.
Card
How to pay housing and communal services without a commission by credit card? It has already been said - you can use either an ATM or a terminal. In fact, the process is not much different from working with online banking.
Consider the option of paying "communal" using an ATM. If you use the terminal, the difference will only be in depositing funds. In the first case, they are debited from your "plastic", in the second - they are entered into the bill acceptor. And the rest of the processes are similar.
Go to the ATM, insert a card into it and enter the pin code. Next you will get to the context menu. Here you need to select "Payments and transfers" or "Payment for services." Or something like that will fit (all ATMs have different labels). Now you need to click on "Recipient Search" - "By TIN". Enter the appropriate payment card number, then select the item you need in the list that appears (if any). Enter the information you require. Usually this is the amount of the payment (sometimes it is stamped automatically), the receipt account, as well as personal data. You can check the details and confirm the payment using a security code. That's all.
Through the Internet
And what if the payment of housing and communal services online without a commission occurs using a virtual wallet (or Internet service)? In this case, to be honest, there should not be any problems. After all, the process is extremely easy to realize. It is advisable to have a printer in order to print a payment receipt at the end.
Log in to your virtual wallet, and then select "Payment for services" in it. Now, as with Sberbank Online, you need to select "Recipient Search", and then select the appropriate search filter. An INN is best suited. Enter it from your receipt, then select the required current account, and also fill in all the necessary fields for the calculation. Check the entered data, after which you can confirm the payment (usually just click on "Next"). Done! It remains only to print the check and attach it to the receipt!
