Payment for housing and communal services in Sberbank: all methods, fees, frequently asked questions

What is Sberbank's commission for paying for housing and communal services in 2021?

Sberbank makes it possible to pay housing and communal services bills in many ways. The service is provided to both existing clients and those who are not affiliated with the bank in any way. The commission directly depends on which payment method the client prefers. At the moment, you can pay for utilities at Sberbank using several services:

• at the cash desk of a bank branch;
• via terminal;
• at an ATM;
• through the Internet;
• setting up auto payment.

Double commissions

The first commission is hidden from our eyes, because the interest is “hardwired” in the tariff itself. The fact is that resource supply and management companies include in advance the price of housing and communal services for the services of the bank through which their payments are made. FAS has identified cases where the tariff included a commission from payment organizations in the amount of up to 7% of the transfer amount. Well, the second commission is known to any consumer who goes to pay a utility bill.

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“I remember well how 15 years ago banks charged people a commission when paying for housing and communal services of no more than 0.1–0.2%. But then it became bigger and bigger every year... And now some banks are increasing it up to 3-5%. Even for online payments, many have introduced interest. This is just some kind of barbarity! - Deputy Chairman of the State Duma Committee on Housing Policy and Housing and Public Utilities Pavel Kachkaev . – Residents of large cities can at least choose a bank with a lower commission or pay for housing and communal services via the Internet. But people in rural areas and small towns have no such choice. At the same time, banks set the minimum they need to pay for transferring money: from 10 to 50 rubles. As a result, a person goes to pay 70 rubles for garbage. and I still have to put almost the same amount on top.

They profit from ordinary people as they please. Today, the total turnover of the entire housing and communal services sector per year is 4.2 trillion rubles, of which the population pays 2.5 trillion rubles.

Even if you take 1% of this amount as a commission, it turns out to be a lot. Banks make money literally from scratch.”

Payment of housing and communal services at the cash desk

Pay for gas, electricity, water, garbage removal and fees for major repairs in any branch. The main users of the service are older people who find it difficult to navigate new technologies. To pay for housing and communal services at Sberbank, it is enough to present the completed receipt to the cashier and receive confirmation of the transfer of funds. The cashier will independently carry out the necessary actions and provide the client with a paper receipt. The commission is 3% of the transferred amount. This method is not popular among the younger generation, as it requires spending time queuing at the cash register.

Payment of utilities through Sberbank online in the mobile application

Bank clients who value their time and have a smartphone with an Internet connection can pay for utility services at any time and anywhere. Install the application only from trusted sources, such as Google Play. Don't forget to ensure 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 on how to pay utilities through Sberbank online:

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

Payment for housing and communal services in Sberbank through the terminal

The method is quite popular because it does not require the participation of bank employees. To make a payment, it is enough to find the desired recipient of funds using the TIN or using the details and enter the necessary information.

After the transaction, the user receives a paper receipt confirming payment. The main inconvenience of this method is the need to deposit the exact amount for calculation. There is no option to get the balance back in the terminal. However, excess funds can be transferred to a mobile phone recharge account. Payments from a card allow you to avoid cash inconveniences, but the time spent on the transfer is not so fast. At Sberbank, the percentage of payments for housing and communal services from the terminal is 2%.

List of Sberbank tariffs

The size of the commission at Sberbank when paying a receipt depends on the regional affiliation and the counterparty who will become the recipient of the transfer.
At the same time, the institution documents tariffs and indicates prices for transactions in the “Money transfers” section by area of ​​presence. You can open the tab using this link. Let's take a closer look at the tariffs of this bank:

1. For all Sberbank clients, transfers to mobile operator accounts are free. You can transfer money directly without any interest or commissions, regardless of the recipient - relatives or friends. You can complete a transaction through your personal account of a remote service, a self-service terminal or a mobile banking program.
2. A fee may apply for housing and communal services if you pay through the cash register. There are typically no additional fees for remote transactions. The amount of commission depends on the agreement between the bank and the management organization, as well as public utility companies providing services to the population.
3. Payments for telecommunications services are charged in the same amount as when paying an apartment bill. The operator will charge 2-3% for the work (but not less than 20 rubles) when paying a fine from the traffic police. When using a self-service terminal, services will cost 1-2% less.
4. Tax deductions at Sberbank are free. However, these payments should not be confused with transfers to the budget and extra-budgetary funds.

Payment for housing and communal services in Sberbank via ATM

The transfer process is similar to making payments in a terminal. To complete the operation you will need:

• place the card in the receiver;
• specify an access password;
• highlight the item “ payment of housing and communal services ”;
• select an organization to transfer funds;
• enter payment details;
• indicate the amount;
• click “pay”;
• receive a check;
• don't forget to pick up the card :-).

The commission for a transfer in Sberbank will be from 1% to 2% .

Online payment for housing and communal services in Sberbank

One of the most convenient and popular methods. The peculiarity of online payments is that there is no need to visit a bank branch, look for the nearest terminal and carry a passport or other identification document with you. All operations can be carried out from home. You only need to have a valid phone and card at hand.

The service is available to existing clients with an active account (Sberbank Online personal account).

Using an online transfer, you can pay for the services of health department, housing office, DSK and others:

• electricity;
• rent;
• water supply;
• intercom and security services;
• gas;
• heat supply;
• home phone;
• and other utilities.

The commission is 1% , and on some payments, with whom contracts are concluded, it is completely absent.

To pay housing and communal services you need:

• log in to your SBOL personal account;
• go to the “payments” section;
• on the “payment of housing and communal services” tab, select the desired organization (you can activate a search by TIN or scanning a barcode);

  
  Payment for information and information center for housing and communal services and fuel and energy complex

• enter details and payment amount;
• confirm the operation.

The fastest and most convenient way to transfer money to utility service providers is to pay by barcode in the Sberbank Online mobile application. Read detailed instructions here.

Interest is prohibited!

It seems that the authorities have finally paid attention to the situation with bank commissions. On September 5, 2021, Prime Minister Medvedev signed government decree No. 1164, which prohibits the inclusion in tariffs of the costs of paying for the transfer of fees for housing and communal services. Changes have been made to regulations relating to pricing in the field of heat supply, electricity, water supply and sanitation, MSW management, as well as state regulation of gas prices. However, the amendments will come into force only on September 13, 2021, which means that hidden interest will remain in tariffs for another year. “By the specified time, the tariffs and prices departments should consider the possibility of reducing tariffs for housing and communal services in accordance with the specified resolution,” says the head of the Ulyanovsk regional center for public control in the housing and communal services sector, Ruslan Khairov . “Now citizens pay monthly not for one utility service, but for a whole range of services, and each payment receipt includes a commission fee from a credit or cash settlement institution.”

Banning hidden fees is just the beginning. Last week, the head of the United Russia faction in the State Duma, Sergei Neverov, announced that a bill would be introduced to abolish real bank commissions for paying for housing and communal services. Moreover, the initiative has already been discussed with the head of the Central Bank, Elvira Nabiullina , and was supported. “The bank can earn money from commercial payments and services. But paying for housing and communal services is not a service, it is an obligation,” says the deputy and clarifies that the bill deals not only with payments for housing and communal services, but also with duties and fines.

In what cases can housing and communal services debts be written off? More details

Autopayment in Sberbank - how to connect and disable

The method is available to Sberbank online users and is free. Unlike manual payments, SB RF makes it possible to set up payments automatically. As in the previous case, some payments are available without commission, while others are charged 1%.

To enable automatic payments, you should:

• in your Sber account, go to the “autopayment” tab;
• select the payment type;
• configure settings;
• press the “connect” button;
• then follow the instructions.

You can use automatic payment with a specified amount or connect payment according to the issued invoice. The operation will be carried out monthly at the specified time without user participation. An SMS notification confirming the transfer is sent to the phone number linked to the account.

You can cancel auto payment at any time by sending a message to 900.

How to pay housing and communal services with minimal interest online through Sberbank

Currently, Sberbank does not provide options for paying utility bills without a commission fee. However, this is not a reason to refuse the services of the bank, which today is considered No. 1 in Russia, since there are several savings options available here too.

The following auxiliary data table will help you determine them:

Even a quick glance at these tabular data makes it clear that the cheapest way to pay for utilities is at Sberbank through its mobile client or autopayment with a maximum limit corresponding to 2,021 rubles.

If this option seems unacceptable to you, then you can always return to the interest-free payment methods listed above. Fortunately, there are options and there are not so few of them, despite all the regulations and amendments.