Every person who owns an apartment is required to pay monthly utility bills. For most Russian citizens, this payment transaction is associated with a lot of inconveniences, the main one of which is the need to stand in long queues. To save themselves the hassle, people can pay rent through any Sberbank ATMs or use the terminals of this financial institution for these purposes.
Advantages of paying utility bills using ATMs and Sberbank terminals
In recent years, Russian citizens have begun to actively use self-service devices owned by Sberbank. This method of paying for various services has a lot of advantages, the list of which can be expanded:
- You can pay for housing and communal services through ATMs at any time of the day.
- Individuals will not have to stand in hours-long queues.
- This method of paying utility bills allows you to save on commissions.
- If difficulties arise, the client can contact an employee of the financial institution for help.
- Through terminals you can pay utility bills on several personal accounts.
- To pay for housing and communal services, you can use plastic (credit/debit) if it is not possible to deposit cash.
How to find an ATM or Sberbank terminal
In order to find the ATM closest to your home or work and find out where to pay for housing and communal services through the Sberbank terminal, just go to the bank’s official website and go to the “Branches and ATMs” section. In the “ATMs” tab there is a map with marked self-service devices. The search is carried out by address, department number or the nearest metro station. If you need a 24-hour ATM, you can immediately set this parameter; as a result, only the necessary devices will be displayed on the map. Sberbank ATMs and terminals are located within walking distance from the metro and most public transport stops, in shopping centers and large stores, airports, train and bus stations.
Instructions for paying housing and communal services through Sberbank ATMs
Each owner of a city apartment can independently pay for utilities through Sberbank ATMs. This procedure takes a minimum of time and effort, and also minimizes the risk of making mistakes. To conduct a financial transaction (credit/debit plastic is used), individuals need to follow the step-by-step instructions:
- Initially, you need to find a self-service device belonging to Sberbank. This financial institution is by far the most reliable and actively developing, therefore its ATMs are installed in every locality.
- You need to insert a card (credit/debit) with money on it into a special slot.
- A window will appear on the screen in which you must enter your personal PIN code.
- After successful authorization into the system, the main menu will be displayed on the screen.
- To pay for utilities, an individual needs to find the “Transfers and Payments” section.
- Select the “Utility Payments” link for a specific locality.
- The system will prompt you to enter data into the receipt form. In this case, you can choose one of the following methods: reading data using a barcode, entering a name, searching for information by the organization’s TIN. If the owner of the apartment does not have a barcode on the receipt form for housing and communal services, then data entry will have to be done manually.
- The client enters his full name and address or personal account of the property for which the payment is being made. Click on the “Next” button.
- An individual must indicate the period for which funds will be deposited.
- Specify the payment amount that will be automatically debited from the card account by the system. In the case when the automatically calculated payment is displayed in front of the user, he can manually adjust it (for example, reduce - underpayment, increase - overpayment).
- If the owner of the property has meters installed, then he should indicate the readings taken from them.
- In the case when the debt is paid, the individual must agree with the accrued penalty.
- A receipt is displayed on the screen, in which the client must check all the specified data.
- The “Pay” button is pressed, after which the system will automatically debit money from the individual’s card account and transfer it to the recipient.
Important! After completing the financial transaction, the client must pick up his card. He should also wait for the receipt form to be printed, which will serve as confirmation of payment for housing and communal services.
Through the Sberbank-online application
You can pay utility bills without leaving your home using the Sberbank Online application. To do this, you need to have a bank card, Internet access, and also activate the Mobile Bank SMS notification service.
The payment procedure is as follows:
- Log into Sberbank Online via a computer or mobile application.
- Select the “Payments” menu and find the “Housing and communal services and home telephone” item.
- Select the desired menu item, for example, “rent”.
- Using the search, find the service provider (in the example, the capital repair fund).
- In the mobile version, the application will give you a choice of two ways to enter data: scan a barcode or enter data manually. When using a PC - only manual input.
- The application will ask you to enter the user's personal account information and the recipient's bank account number. All the necessary information is on the receipt.
- After entering the data, information about the transfer period, payer address and payment amount will appear. If all the data is correct, click “Continue”.
- The “Confirmation” menu will appear on the screen. After carefully checking all the data, click the “Confirm via SMS” button for payment using a PC and “Confirm” when using the mobile application. To confirm payment, enter the code from SMS.
After confirmation of payment, a payment receipt will appear on the screen, which you need to save and, if possible, print.
The status of the transfer can be checked in the “Payment History” section. If the operation fails for some reason, the money will be returned to the payer’s account. The application has the ability to save regular payment data in the “Template” item.
In addition to paying via the Internet, you can pay utility bills from a card by activating the “Autopayment for housing and communal services” option from Sberbank.
Free from Sberbank is aimed at regular and timely rent payments. You can activate the service:
- in the “Sberbank – online” application in the “My auto payments” item;
- using self-service terminals, going to the “Payments and Transfers” section, then “My Payments”, then “Autopayments”;
- at any bank branch.
Before connecting to the service, customers want to know how autopayment works. The bank informs the client 24 hours in advance by sending an SMS about the upcoming withdrawal of funds. At the appointed time, the amount for gas, electricity and other utilities is debited from the client’s card. Automatic payment can be made according to an invoice (for example, payment for electricity or water supply depends on individual consumption) or be fixed.
You can disable it in several ways:
- through Sberbank - online in the appropriate tab. If you have several auto payments, select the one you want to cancel;
- by sending SMS. You must send the message “Autopayment” to number 900;
- via a self-service device. In the “Information and Service” or “Mobile Bank” item, look for the “Autopayment” tab, select “Disable”;
- by calling the Sberbank hotline. To do this, you need to call 8-800-555-55-50, ask the operator to disable the service and provide the required information about yourself;
- through a bank branch. Any specialist and consultant will help you disable this service.
This method does not require constant data entry and monitoring of the payment date. The bank itself will remind you of the due date and write off the required amount.
Instructions for paying bills through Sberbank terminals
Russian citizens can pay rent at the terminal using a debit/credit card or in cash. To avoid mistakes when making a financial transaction, they are recommended to use step-by-step instructions:
- Select the payment method: cash, card. Payment using plastic is carried out according to the same principle as at a Sberbank ATM. This instruction will discuss the first option for paying for utilities.
- The client touches the screen.
- A menu will be displayed on the monitor, in which you should find the “Search for payees” section.
- The data is entered: barcode from the receipt form, name or TIN of the recipient organization.
- After the system completes the search and displays the recipient's details, a payment method is selected. If a barcode from a receipt form is used, the system automatically reads the information using a scanner. Otherwise, you will have to enter data manually.
- In special windows, the personal account number, period, payment amount are indicated (if available, meter readings and penalties are entered).
- All details are checked and the “Continue” button is clicked.
- Paper money is inserted into the bill acceptor. If there are more than the amount to be paid, then you must click the “Make change” button. The system can credit the rest to your phone bill.
- The financial transaction is confirmed and a check is issued.
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What to do if the payment has not been received by the supplier company?
There are cases when an error was made in the personal account, and the money went to the housing and communal services balance from another person. If such a situation occurs, then the user needs to contact the company that received the money by mistake. You must have with you a receipt for the procedure performed, passport data and a statement about the upcoming adjustment. Incorrectly transferred money will be redirected to the correct account.
And if an error is discovered when entering the recipient’s data, then you need to contact the bank with an ID card and write a statement to recall the actions taken.
About the commission
The amount of commission when paying for utilities through ATMs or Sberbank terminals directly depends on the method of conducting the financial transaction:
- If an individual deposits cash into the bill acceptor, then a commission in the amount of 1.5% of the payment amount will be withheld from him, but not less than 10 rubles. (maximum – 2,000 rubles).
- If a Sberbank client decides to pay for a receipt form through terminals or ATMs using plastic (debit/credit), then a commission in the amount of 1% of the amount will be withheld from him, but not more than 1,000 rubles. (no minimum size specified).
Possible difficulties when making payments for housing and communal services
When making a payment using a barcode, a situation will arise where the system does not read it. Then it is recommended to change the angle of inclination or reduce or increase the distance to the laser device. If it is not possible to read the code for a long time, then manual data entry is selected.
Difficulties may arise when the program does not recognize the supplier or when entering the tax number, a message appears on the screen that nothing was found. In this case, the user is recommended to enter the details themselves. To do this, on the device you need to select the “Payments and Transfers” tab, and in the list that opens, select “Payment by details”.
Enrollment deadlines
When paying bills through Sberbank ATMs, individuals must take one point into account: funds can be credited to recipients from a few minutes to 3 days.
With this method of paying for utilities, the countdown will begin from the moment money is written off from the Sberbank client’s card account or the self-service device accepts cash. The following factors may affect the time it takes for funds to be credited to recipients’ accounts:
- Money transfer status. For example, funds are transferred within one locality, within the country or abroad.
- The details are incorrect or incomplete.
- The client transfers money not to the card account, but to the recipient's current account.
- There was a technical failure in the ATM/terminal or in the entire Sberbank system.
Common mistakes when making payments
The main mistake when working with terminals and ATMs is the payer entering the recipient's details incorrectly. Payment by barcode will help you avoid mistakes - with it, the device calculates all the necessary data independently. If the terminal is not equipped with a scanner, you should thoroughly check all the details before sending the payment. There are also malfunctions in the operation of the payment device itself:
- ATM freeze;
- inability to print a receipt;
- “swallowing” the card;
- interruptions in the operation of the graphic code scanner.
In the first three cases, you should contact Sber's telephone support service. The operator will check whether the payment was made, tell you the address of the nearest self-service device, block the card and explain how to restore it, and also tell you where you can get a duplicate check. If the scanner fails, you can try to make a payment by manually entering the details.
Procedure if money has not been received after payment
In the event that a payment made through ATMs or terminals does not reach the recipient, an individual needs to act in the following sequence:
- Initially, you need to check all the details that were indicated in the receipt form.
- If all the information in the payment slip was entered correctly, you must go to the nearest office of the financial institution along with the payment slip and contact an employee. The specialist will check the payment transaction and inform the client of the reason for the delay in payment.
- In the event that an individual has indicated incorrect data on the receipt form, he will have to write a statement addressed to the management at the office of the financial institution, in which he must set out the situation in detail.
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If the Sberbank branch reports that the money was credited to the recipient’s account in a timely manner, the client must contact his housing office. Most likely, his payment was mistakenly credited to another person's personal account.
Is it possible to pay for utilities using a Sberbank terminal?
Payments in the field of utility services are inextricably linked with the life of every Russian. And they must be produced monthly, without delay. However, it is not always possible to stand in long lines and spend a lot of time filling out documents and receipts. Therefore, making an important payment turns into an unpleasant task.
Sberbank users are given the opportunity to make payments for housing and communal services through financial institution terminals. This manipulation is quick and does not take a long period of time. A positive aspect when performing actions through self-service machines is the fact that a significantly smaller amount of commission for the services provided is written off than when using the cash desk of a financial institution. Such an operation can be performed at any time of the day, unlike the Sberbank branch.
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