How to find out the debt for water on a personal account?

Timely payment of utility bills is the obligation of owners or tenants of residential premises, enshrined in law. The payment due date is usually the 10th day following the month being paid. Other dates are established in the apartment building management agreement or by decision of the owners’ meeting. If you do not make payments on time, you will be in debt for housing and communal services.

Ways to find out your debt at:

  • At the management company, they usually post lists in the entrances of apartment buildings. It’s just that information about malicious debtors is indicated there.
  • At the post office, just give your residential address and the name of the resource supplying organization.
  • At the bank, just tell the teller the address and he will tell you the amount owed.
  • At the utility service provider - you can call them and give the address.
  • On the bailiffs website - just in case. There you can also look at the files on the debts of your relatives.

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Why is it better to find out about water debts through a personal account?

Using a personal account to view the debt to the city water utility saves time and simplifies the procedure. Comprehensive and up-to-date information can be obtained within a minute from any place where there is Internet access.

There is no need to personally visit utility services or the city water utility. You can find out the debt for water on your personal account if you use:

  • official website and contact telephone number of the regional organization of the city water utility, management company (MC) or homeowners' association (HOA);
  • State Services portal, as well as GIS Housing and Communal Services;
  • terminals and ATMs.

To obtain information in the first case, using the official websites of organizations, you must:

  1. Go through the registration procedure on these web resources. You will need to enter your passport data, personal account number, login and password;
  2. After authorization, the user enters his personal account, where he has access to up-to-date information on debt for water.

For reference! In some cases, official websites offer to enter a personal account in the search field and provide information about current debt without registration.


For example.
On the website of the St. Petersburg Vodokanal you can view debts without registration. Another option is to receive data by phone. To do this you need:

  1. Find out the contact telephone number of the resource providing organization (RSO), in this case, the corresponding city water utility;
  2. Make a phone call. Often you will have to communicate with an answering machine, which will offer options for action, including finding out about the debt;
  3. After pressing the appropriate numbers, the answering machine will prompt you to enter your personal account number. Once it is entered, the current debt is indicated by voice within a few seconds.

All actions in both the first and second cases take no more than 5 minutes, even with the registration procedure. The owner needs to have his personal account number with him. This is enough to save 1-2 hours on visits to RSO, management company and HOA.

Options for obtaining information

You can check payment on your personal account in various ways. For example, via the Internet. There are several sites by going to which you can find out all the information about payments made for utility services:

  • Website https://www.gosuslugi.ru.
  • Website https://peney.net.
  • Website https://kvp24.ru.

IMPORTANT: To clarify payment for housing and communal services using these online resources, you must register on the website and create a personal account.

If for some reason you do not have access to the Internet, you can also find out your utility bills:

  • At the bank (at the cash desk or through payment terminals).
  • At the housing office.
  • By phone (call the management company or directly the resource supply organization).

Let's take a closer look at all the ways to check payment for housing and communal services.

Where else can you find out about water debts remotely?

Information about debt to the city water utility is also provided by other organizations, namely:

  1. The bank where you received your bank card or opened your current account. You need to log in to the appropriate application and go to the “utilities/payments” section in your personal account. The screen displays the current debt, including for water;
  2. In payment systems with electronic wallets Yandex.Money, Qiwi, WebMoney;
  3. On other sites that provide up-to-date information about utilities.

These resources have one thing in common - in the appropriate field you need to enter the personal account number assigned to the user by the city water utility. After this, current information about the presence or absence of debt for water will be displayed.

Advantages of remote payment of utilities

By starting to regularly pay utility bills remotely, a person receives a number of benefits:

  1. The time of the payment transaction does not depend on the opening hours of official institutions. This can be done anywhere using an electronic gadget or personal computer. There is no need to install any additional programs. All you need is the Internet.
  2. No delays in payments. The recipient of the funds sees incoming contributions in real time 24/7.
  3. Modern websites for paying utility bills are protected from hacking. The safety of money and the safety of personal information are guaranteed.
  4. Every day more and more banking organizations enter into agreements for access to a unified database of utility accounts in Russia.
  5. Saving personal time - no need to stand in queues at the post office or at ATMs.
  6. There is no need to fill out receipts every time, which eliminates the risk of making mistakes.

Regardless of the method of payment of the payer, the form of the statement must be the same. In 2013, the Moscow government approved a unified document template for paying utility bills for apartment maintenance.

Full information about the resolution is available at the link - No. 679/30 of September 20, 2021. The document on this form includes all types of arrears in payment for housing and communal services provided.

Watch the video: “How to check and pay housing and communal services bills through the Gos portal

What else to read:

  • The procedure for calculating and calculating penalties for late payments for housing and communal services in 2021
  • Act on disconnecting electricity for non-payment - nuances of drafting and presentation, sample notification of the introduction of restrictions on the mode of consumption of electrical energy
  • Where to call if the power goes out in 2021 - telephone numbers and websites of Russian emergency services during a power outage
  • Detailed review of the Moscow Government Resolution on replacing water meters with electronic ones - current information for 2021, deadlines

Other ways to find out about water debt


Checking water debt through the terminal.
You can get up-to-date information about water charges through terminals or ATMs. You need to insert a bank card, enter the authorization code, find the section for payment for housing and communal services. Then enter the personal account number of the city water utility. Debt data is displayed on the screen.

In addition, you can send a letter to the management company, HOA or RSO. The method is relevant if claims work is underway or is being prepared. For example, the user plans to recalculate and change the accounting system. He needs to record violations by utility workers. In this case, the personal account number is indicated in the correspondence.

In response, the management company, HOA or RSO send a letter with information about the debt. A detailed calculation of the occurrence of debt can be provided here. The data will be current at the time of writing and sending the letter. When received, they may be out of date. This is the disadvantage of this method.

How to find out if there is a debt in housing and communal services

Going to a place that actually provides utilities is the most obvious solution. Here, in a moment, they will tell you how much and to whom a person owes or does not owe. Of course, it would be easier to find out this from the bills, but you yourself understand that they are not always delivered on time, if at all. Therefore, many problems arise related to debts that have arisen from nowhere, although the owners of the apartment are absolutely sure that there should be no debt.

  • Call and check housing and communal services office hours. Often visitors and clients are received within a strictly allotted time, and in order not to waste it, it is advisable to seek help at the very moment when it can be provided;
  • Take a passport to confirm your personal status and the right to find out information about this property, as well as the debt that hangs on the apartment. So it is advisable that the passport contains a registration, which indicates the address of the exact apartment for which the debt is registered;
  • In a special department, in a minimum period of time they will indicate to you whether the payment was erroneous, and will also describe how much the person owes, and when this amount should be paid.

In general, housing and communal services employees will conduct a short consultation on where and how to give the money, and how it happened that the size of the debt grew so much. Personal presence will help to better understand the situation, even if going to the housing and communal services office is not the most pleasant and quick procedure. One has only to remember these eternal queues, and any desire to go somewhere disappears.

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In addition, the user of utility services may be imposed various fees for payment, but this is more likely related to the services of utility organizations that provide services outside the competence of housing and communal services, and not to the prices of utility companies. So it’s better to go on your own, wasting your time, than to pay triple fines later.

Consequences for non-payment of housing and communal services debts

If there are debts for housing and communal services, which arise due to late payment of housing and communal services or a long-term failure to deposit money into the accounts of the service organization, defaulters are charged penalties for the amount of the debt.

The amount depends on the duration of non-payment for housing and communal services:

  1. The period of debt formation from the 2nd to the 3rd month leads to a fine in the amount of 1/300 of the Central Bank rate. In such a situation, the owner, in order to avoid increased payments for consumed services, tries to pay off the debt at an early stage of its formation.
  2. Delay from the 3rd month (from the 91st day) leads to a significant increase in the amount of penalties - up to 1/130 of the Central Bank rate. And in this case, a motivated homeowner will strive to quickly return the penalty debt along with payment of the utility bill.
  3. Failure to pay utility bills for more than 3 months may lead to temporary shutdown of utility services. The debtor's apartment is deprived of gas supply, electricity, hot water, and the use of an intercom until the debt obligation is compensated. But first, a written notice is sent to the defaulter by mail informing about the suspension of the payment system. If the debtor does not take any action to eliminate the debt, the executor comes to such person and informs him about coercive measures. Services will be supplied again no more than 2 days after full payment of the debt.
  4. If there is a delay of more than 3 months and failure to fulfill obligations to repay the debt, utility companies have the right to resolve the issue in court, but only after the relevant structures have verified the fact that the homeowner has not paid for utilities. Actions are performed in this order:
  • the debtor is notified of the existence of a debt;
  • he is recommended to liquidate the debt of his own free will within 30 days;
  • in case of refusal, documentation is prepared for submission to the judicial authority, which resolves the problem in favor of the utilities.
  1. If non-payment occurred more than 6 months ago, utility services may resort to eviction of the debtor from the premises. First of all, this measure applies to those living in municipal housing and not paying fees for utilities. They are moved by court order to an apartment with fewer amenities.

Important! Punishment will not follow if the delay arose due to the difficult financial situation of the debtor.

Consequences of non-repayment

If you are found to have a debt to pay for utility bills, you will have to bear responsibility under the law. The consequences of late payment include:

  • Accrual of penalties for each day of delay.
  • Disconnection of services until the debt is fully repaid (in this case, the debt must be repaid within a period of 3 to 6 months).
  • An extreme case is seizure of property (after 6 months, the court has the right to seize the debtor’s personal property equivalent to the debt).
  • In court, deprivation of ownership of real estate (provided that the declared amount of debt is equal to 80% of the cost).

How to check payment for housing and communal services via the Internet on the Sberbank Online website

Sberbank clients have access to several ways to check debts and payments for housing and communal services. You can check receipts:

  • via SMS;
  • on the Sberbank Online service website;
  • in Sberbank terminals.

For those who regularly use a Sberbank card to pay for utilities, there is a special option - notification of bills for housing and communal services via SMS. Unpaid invoices are reported several days before the date you would normally pay your invoices. The bank automatically checks whether there are any outstanding receipts. And if there are any, he sends a message with an offer to pay his debt immediately through the mobile application.

To pay, you just need to send a reply text message with the code from the received SMS. But this will only work if you have .

After the payment is made, the client’s phone again receives a message with information about payment of the bill.

You can check whether the payment has reached the addressee both on the Sberbank Online website and in the mobile application. For this:

  1. Log in to your account.
  2. In the main menu, open the “History” section.
  3. Find the required payment.
  4. Follow the link “Save or send help”.
  5. In the list of columns, find the item “Operation Status”.

If this column says “Processing by bank,” it means the money has not yet been transferred. And the payment is awaiting confirmation.

The debt can also be checked on the Sberbank Online website through the “Transfers and Payments” section. This requires:

  1. Open the “Utility Payments” category.
  2. Find the one you need.
  3. Select a service provider or management company.
  4. Enter your personal account.
  5. View debt.

Another way to find out debts for utilities using the Sberbank service is to use the capabilities of the terminals. The interface may differ for different machines. But the point is to select the “Utilities” option on the screen. And then indicate your personal account. And the device will give you the amount you need to pay for the selected service.

Payment in your personal account using a personal account

The consumer can pay the bill in 1-2 seconds.

Need to:

  1. Go to: https://www.mosobleirts.rf/ .
  2. Find the “Personal Account” button and go to this category.
  3. Enter your phone number, email, and password into the form and click on the “Login” button.
  4. Find the amount of debt, click on the “Top up balance” button.

  5. Agree to the terms of payment and click on the “Pay” button.

  6. Enter the bank card number, expiration date, and full name of the card owner into the form.

Now the consumer must check the entered data and click on the “Pay” button. The required amount of finance will be instantly debited from his account.

What is a personal account

An individual or single personal account is a unique number that the management organization associates with each owner of the living space. A personal account is created by the payment collection organization in order to optimize the internal database of residents and increase the security of such data.

The personal account contains the following information:

  • Full name of the responsible payer;
  • number of square meters occupied;
  • list of registered persons;
  • name of housing and communal services service;
  • data on metering devices;
  • data on previously made payments and accruals.

The amount of debt is the difference between the accrual and the amount deposited in the cash register of the management company.

You can find out your account number (usually 8-10 digits) in one of the following ways:

  • by calling the management organization;
  • by looking in the upper left corner of the receipt;
  • by looking at the website of the management company or HOA.

A receipt for payment of utility bills can be obtained from the management company’s office or printed from the company’s website.

It is important to note that each component of the rent (for water supply, electricity, house maintenance, etc.) is assigned its own account number. For one payer, invoice numbers for different services usually differ by 1-2 digits.

Why check utility bills with online payments?

Not long ago my wife and I moved to a new apartment. And for housing and communal services, as before, they paid at the post office using a personal account.

At the old address where we used to live, rent and garbage collection are paid on separate accounts. However, on the new one - one at a time. And it so happened that by mistake the money for the apartment was transferred for the solid waste removal service.

We did not find any errors in the receipt, because it only indicated the personal account and the payment amount. When the debt began to grow, we found out about it late, and an impressive amount had already accumulated.

The epiphany came only after we received a notification about the amount of payment for the vein service for reconciliation. It already contained a breakdown of what we paid for and what we didn’t. This is how we found out that in the end, after several months, we paid for garbage many months in advance. But for the apartment - not a penny.

Actually, the situation is fixable. You could simply write a statement and get your money back for the garbage. And then pay them for the apartment. But the procedure is not quick. Recalculations could take up to a month. And since we were about to travel to another country, we were afraid that we might have difficulties at the border with our debt. Therefore, we decided to pay the debt immediately.

Since then, I prefer to play it safe and additionally independently review and reconcile the payment of all receipts online. At the same time, I found several ways to check payment of housing and communal services on a personal account via the Internet. And I will share this experience with you.

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