Quite often we get into trouble when paying for any services, since a commission that appears seemingly out of nowhere confuses all our calculations. The amount eventually becomes larger.
And if you need to pay for not one, but for example, four services, how much will the commission be? Then a small percentage of the commission adds up to a large sum and there is no light in this darkness.
However, you can take control of the situation - choose the optimal payment method with a minimum commission or get rid of the commission altogether.
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What is a commission and where does it come from?
A commission is a percentage of the total transaction amount that is paid to the provider of any service directly related to this transaction.
In other words, a commission is a reward for a third party who facilitates a monetary transaction.
Commission is the engine of mediation, allowing you to receive money not only for goods, but also for services, which can be expressed in different ways - this could be bringing two parties together or, for example, providing classified assistance in difficult to resolve issues.
Will the banks listen?
Of course, people will be pleased by the abolition of commissions. But how will banks take this news? “It seems to me that if banks are not allowed to earn money transparently, they will still find ways to receive their income,” says Svetlana Krivoruchko, a professor at the Financial University under the Government of the Russian Federation . – Banks invest a lot of money in networks, terminals, ATMs, security, and all this must somehow be repaid. The authorities cannot be nice at the expense of commercial organizations. We must seek a balance between the social protection of people and the interests of banks. Perhaps it is necessary not to cancel, but to limit the fee. Or do it in the form of a small fixed amount. Banks are disingenuous when they take a percentage of the payment amount. Their costs depend on the transaction, not the amount. For example, when making payments to legal entities, no one charges a fee depending on the size of the amount. Why should individuals overpay?”
What is the Sberbank commission for paying housing and communal services bills?
What is the percentage of commission in Sberbank when paying for housing and communal services? Currently, Sberbank takes a commission when paying for housing and communal services (a certain percentage), although it is worth noting that its amount is influenced by the chosen payment methods.
Below is a list of payment methods for utility services and their fees.
Payment via cash register
This option is the oldest, and for a long period was the only way to pay utilities. All that is required is to come to any bank branch, stand in line if necessary and pay for the services. Commission: 3% of the paid amount.
Payment via terminal
Sberbank terminals are available in every city. This is an easily accessible way to pay for services. You can pay utility bills either in cash or by credit card. Commission: 2% of the payment.
ATM
The method is mainly more convenient for bank card holders, because without it it is impossible to pay for utilities. Commission: 1-2%
ATTENTION! Not all ATMs have a service payment option.
Sberbank Online
Sberbank's commission when paying housing and communal services receipts through Sberbank online has been gaining popularity recently.
When paying for housing and communal services in Sberbank online, there are two huge advantages: fast payment processing speed and low commission.
What is the commission when paying for housing and communal services through Sberbank online and is it charged? Commission: does not exceed 1%.
Is there a commission when paying for housing and communal services through Sberbank online? There is no commission in cases of transferring money for charitable purposes or for paying taxes.
Using the system is quite simple:
- Register on the resource website.
- Go to the “Transfers and Payments” tab.
- Select the required organization. To do this, you need to enter some data: the type of service required, personal account number or TIN number.
- Write down the meter readings.
- The last thing that remains is to check the status of the operation.
Unfortunately, a significant disadvantage is that the system requires the Internet to work. Access to the system is given only to those citizens who have activated the “Mobile Bank” option and opened an account with the bank.
Auto payment
Autopayment from Sberbank stands out due to its convenient autonomy - after connecting, you don’t have to worry about payments and everything connected with them: queues, monthly trips to the bank, etc.
You only need to set up the payment once, and then you only need to confirm the debiting of funds to pay for utilities once a month. Commission: varies from 0 to 1%.
The maximum commission does not exceed 1000 rubles. It is worth noting that in this case the commission is significantly less than when paying at the cash register.
Through “Personal Account” Sberbank Online
This method is the most profitable. Firstly, this way you can save personal time. Secondly, the percentage for paying for housing and communal services in this way is zero percent. The user can perform all the necessary actions for payment on the Internet, while at home or at work.
Some bank clients have concerns about the security of financial transactions on the Internet. In the case of Sberbank Online, there is no reason to worry. The system is perfectly protected. You can access your account only after entering a special password. In addition, with each login attempt, the bank sends a special code to the number linked to the client’s plastic card.
Therefore, there is no need to worry about the security of personal data and finances. In addition, as already mentioned, the bank does not charge a commission for payments made in the “Personal Account”. All you need to use the service is to have a bank account, be connected to the Mobile Bank system and have an account in your Personal Account.
The procedure for working with the service is as follows:
- Go through the authorization procedure;
- Go to the “Translations...” section;
- In it find the item “Housing and communal services...”;
- After this, the user’s screen will display a list of services for which he can pay. Based on the type of work provided by the company or its IIN, the user will be able to find the organization he needs;
- When the desired company is found, the user will only have to enter his account number and the number that is printed on the receipt;
- After entering all the data and confirming payment, the payment will be sent. Before sending, the user will have to enter the code that the bank will send to him.
After completing the payment sending procedure, the user can send a receipt to Sberbank Online. To do this, just click on “Print” in the new window.
Paying utility bills has recently become more and more accessible and convenient: you can activate automatic payment from a salary card, you can make all transactions in the Internet banking system, but many residents of the Russian Federation, especially the older generation, still prefer to pay for utility bills in cash at a bank branch. Before going to the branch, the question may arise: what is the commission in Sberbank when paying a receipt in 2020 and is it worth spending your time going there.
Payment methods without commission
Why pay more if you have the opportunity not to overpay? Below is a list of ways to legally evade commission:
- PAYQR is an application for smartphones that makes it possible to pay utility bills without any commission. Payment is made using a QR code.
After installing the application, you need to point at the QR code of the receipt, then confirm your payment details and enter your personal information. The last step: select a bank card and confirm payment. kvartplata.beeline.ru is a service of the cellular operator Beeline. On the site you can pay for housing and communal services without commission, but under one condition - you need to be a Beeline subscriber, and also have a certain amount on your phone account.
The downside is that you can pay for the services of only a few providers.
- Some websites of supplying organizations also make it possible to pay for services without commission. For example, you can pay for electricity on the Mosenergosbyt website, and for gas on the Mosoblgaz website. In this case there will be no commission.
- The government services website (gosuslugi.ru) also allows you not to pay a commission when paying. However, this does not happen in all cases: sometimes banks and supply organizations may require payment of a commission. The disadvantage of the portal is long registration and excessive cumbersomeness.
Thus, there are many ways to pay for utilities: from a regular cash register to online payments on the Sberbank website. In most methods there is a commission, but still in some it is ridiculously small. Also, don’t forget about ways to help you forget about the commission - their importance is difficult to overestimate.
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Now Sberbank charges 3% when paying for utilities through branches. What is this connected with?
As the Telegram channel “Hell's Grandmothers” writes, the whole point is that the management companies, which previously paid part of the commission themselves, ended their agreement with Sberbank, and they did not conclude a new one due to the bank’s increased tariffs.
Now, if you need to get a receipt with a stamp and the date of payment (for a court or government agency), you will have to pay the bank 3% (no less than 30 rubles and no more than 2.5 thousand). In other cases, there is an option to save a little:
– when paying at a terminal or ATM in cash, the commission will be 2% (but not more than 1 thousand rubles), when paying by card - 1% (but not more than 500 rubles).
– when paying through Sberbank Online, Mobile Bank, or autopayment, the commission will be 1% (but not more than 500 rubles).
It will no longer be possible to pay through Sberbank without any commission. It makes sense to choose other banks to pay utility bills.
Transfers within Russia
Meanwhile, the State Duma asked Sberbank to review internal tariffs regarding card-to-card transfers. Currently such transfers are subject to a 1% commission.
State Duma deputy from the LDPR Vasily Vlasov addressed the Chairman of the Board of Sberbank German Gref. He recalled the abolition of national roaming in the field of cellular communications and suggested that Sberbank act in the same logic.
According to him, given the low level of well-being of citizens, charging them a commission for transfers is very unreasonable.
Plus the fee: why Belgorod residents began to pay a commission for utilities.
The essence of the commission
The size of the commission depends on the method of transferring funds. In general, commission is the bank’s income from transactions performed. Considering the commission at Sberbank for paying a receipt, we highlighted:
- for payment through the cash register – 3%;
- payment at ATMs of third-party banks – 3-5%;
- transfer via SB Online – 1%;
- repayment through the terminal – 1%.
Of course, it is more profitable to pay off debt through an ATM and SB Online. The positive thing is that the ATM and personal account display the specific payment amount for the required date - taking into account overpayments, non-payments and penalties. The percentage depends on the specific repayment method; there is no minimum commission amount at Sberbank.
When making a payment, you must save receipts until the money arrives in your account (2-3 days)
or until the next payment is received. When paying, you must adhere to the deadlines indicated on the receipt to avoid penalties. In addition, before the payment procedure, it is better to determine how much interest Sberbank charges for a particular service.
Since 2019, residents of the region began to be charged interest for paying utility bills.
The state obliged Russians to pay their own fees when paying for utility services back in 2013 on the basis of Federal Law 161 “On the National Payment System.” And in many regions, residents paid this commission.
But for most Belgorod residents this innovation came as a complete surprise.
An unpleasant surprise
In most cases, people were presented with a fait accompli on January 11: this was not reported in advance, neither in the payments, nor in the Criminal Code, nor in the announcements at the entrances. With rare exceptions.
Sberbank services will become more expensive 104 months ago
Sberbank will take a commission for utility bills
Sberbank of Russia will introduce a commission for utility bills in Moscow. As the bank's press service reported, the introduction of the commission is due to the government's decision to transfer the payment of bank commissions from service providers to consumers. This will probably happen no earlier than May 1st. From the moment the consumer pays a commission to the bank himself, he will be able to choose the amount of the commission, which depends on the payment method.
“If the client pays through an operator, the commission will be 3 percent,” the bank explained. “But there is a real opportunity to save significantly and pay, for example, 1 percent (the bank intends to approve the final rate by May 1) by making a payment through remote service channels.”
Currently, only service providers pay commissions for accepting utility payments to Sberbank, depending on the agreement that the service provider has concluded with the bank.
“We are now actively working to reorient payers to remote service channels: the Sberbank Online system, Mobile Bank, ATM or information and payment terminal, long-term orders. For people who do not want to master technical means of payment for any reason, we suggest that they come to the bank once and write an application to pay utility bills through long-term orders: payments will be automatically made by the bank from the client’s account,” the bank explained.
To date, more than 100 thousand Muscovites already use this form of payment for utilities; more than 225 thousand clients use this method, and by the end of the year it is planned to increase their number to 750 thousand. The number of ATMs will be increased from 1.7 thousand to 2.05 thousand, and the number of information and payment terminals will be increased from 455 to 1 thousand by the end of the year.
According to the development strategy of Sberbank of Russia until 2014, up to 70 percent of payments will be transferred to remote channels, ITAR-TASS reports.
Why does the bank charge residents a commission when paying for heating and hot water?
Payment for housing and communal services in Sberbank online
The most modern and economical in terms of finances and time costs for 2020 is the use of Internet banking. The commission at Sberbank for paying housing and communal services receipts through the Sberbank-online web structure is only one percent. In addition, you can make payments at any time of the day or night, without leaving your home. All that is needed to use this option is the presence of the Internet and an electronic device with stable access. In addition, you need to be registered in the system.
To pay for utilities online, you need:
- Log in to Sberbank online using your personal login and password.
- Click on the Transfers and Payments section.
- Select the desired item at the bottom of the window.
- Click on the organization serving the residential premises.
- Enter the requested data.
- Make a payment.
How to pay utility bills without entering payment details
Using Internet banking, the commission at Sberbank for paying a receipt in 2020 is significantly reduced. Recently, the company released a mobile application that allows utilities to conduct transactions.
