Now, to pay for housing and communal services, you don’t need to stand in line at the post office or house management. Such services are also offered at Tinkoff Bank.
Moreover, payment can be made with a minimum commission or without it at all, but a prerequisite is that you must be a client of the bank. The procedure is carried out in several ways
Read about the conditions and advantages of Yulmart-Tinkoff debit and credit cards" -
Advantages of Tinkoff Bank for paying for housing and communal services
The most important thing is the ability to make a payment without commission. If the receipt indicates an amount of 3,500 rubles, that’s what you will pay. Another important advantage is completely remote payment. There is no need to go anywhere, stand in line, or conduct any kind of dialogue. You go online at a convenient time, enter the necessary details and make a payment.
And one more extremely important point - all the main details of utility services have already been entered into the program. That is, you will not need to enter mountains of numbers or check accounts. There is no risk of making a mistake and sending money to the wrong place. You simply enter basic data, for example, personal account number and payer information, the rest of the payment details are automatically filled in.
By personal account
Another way to pay an account fee is to use a personal account or TIN. This option is suitable for people who could not find information about their energy and service provider in online banking.
The transfer is carried out via the Internet, but the instructions for transferring money are somewhat different:
- Go to the website and log in to your account. Go to “Payments”, then to Housing and Public Utilities.
- In the search, indicate the TIN of the supplier where you want to transfer funds.
- Click on the option that appears and check if the details match.
- Indicate the payer's personal account in the form and the amount.
- Transfer money.
Advice! If problems arise, the user should contact the live chat. A competent specialist will quickly help you make the required payment.
Tinkoff Housing and Communal Services: what services are accepted for payment?
In fact, you can pay for anything. The service has a system for searching organizations by TIN. Therefore, you can simply enter the TIN number from the receipt, and the system itself will find the utility service and pull up its details.
In general, the following items are located in the “Payments” category of Tinkoff Bank:
- mobile communications, home telephony. You can pay for the services of any operators in Russia and the CIS countries, as well as put money on a tourist SIM card. To pay, you just need to enter the number, the system will determine the operator itself;
- Housing and communal services. A large section containing data from hundreds, if not thousands, of utility service providers throughout Russia. If you enter your city, you will see all operators. But it’s better not to search for what you need manually; it’s easier to enter the TIN number or the name of the required utility company into the search field;
- Internet. It is also home to dozens of service providers for all cities and regions of the country;
- network marketing. In this section you can pay for Faberlic, Oriflame, Ivon, Amway, etc. via the Internet;
- government services. We are talking about paying traffic police fines, taxes, payments to bailiffs, to Rosreestr, etc.;
- replenishment of electronic wallets Qiwi, WebMoney, Yandex, etc.;
- payment of loans from any banks and microfinance organizations. The payer does not need to enter all the details; they are already entered into the program. To pay, simply indicate the loan agreement number;
- payment for services of educational organizations.
This is not a complete list of what can be paid online through the Tinkoff Bank service. As you can see, this is not only housing and communal services, the service is provided as comprehensively as possible. You can pay for anything online through this bank - it’s convenient. You can immediately pay for utilities, telephone, and Internet, and immediately pay the state fee. All at once and in one place.
Payment is accepted only from bank cards. The servicing bank does not matter. It could be Tinkoff or any other.
How to pay for housing and communal services with maximum benefit?
When paying for utilities via the Internet, the client is charged a commission. Its size is minimal and amounts to 0.5% of the payment amount .
However, the bank card holder can save money and not pay a commission. To do this you need to do the following:
- Withdraw funds from a debit card at a partner ATM;
- Make a transfer of funds in favor of service provider companies in a manner that does not involve a commission.
For credit card holders who do not want to pay additional fees and interest, it is worth paying attention to special offers from the bank. Such options allow you to receive bonuses, cashback and other privileges, through which you can write off a commission.
Payment of utilities at Tinkoff Bank
If you want to pay utility bills, you need a device with Internet access and a bank card with a suitable balance. You go to the Tinkoff Bank website and select the “Payments” category. The bank does not have it in the main line of services provided, so scroll down the main page as far as possible. Under the “Bank” section you will find the “Payments” item. Press it.
You can try to find the service provider you need manually by going to the housing and communal services category. But it’s easier to immediately use the search form. For example, you want to pay for Mosenergosbyt services:
- On the main page of the payments section, in the search bar, enter the TIN number of this organization from the receipt or simply its exact name. The system will immediately find the desired service provider.
- The payment form opens. In the case of Mosenergosbyt, you can not only make a payment, but also check the debt on your personal account.
- Go to the service payment tab, enter your personal account number, indicate the payment period and the details of the card from which the payment will be made.
- If Tinkoff Bank accepts housing and communal services payments without commission, the system indicates that there are no commissions. Confirm the payment and that's it.
When entering your bank card details, you can check the “Remember details” box. For subsequent payments, you will not need to enter your card details manually.
Other payment methods
If a Tinkoff Bank client does not have a personal account, he can use alternative payment methods. A financial transaction can be carried out through:
- wallets of electronic payment services – Yandex. Money, Qiwi, WebMoney and MTS.Pay;
- remote payment terminals – Qiwi, CyberPlat, Elexnet;
- Russian Post;
- ATM of any Russian bank;
- cellular communication salon Euroset and Svyaznoy;
- mobile operator.
It is worth noting that you will have to pay a commission to pay for housing and communal services through third-party services. When conducting an operation through a Tinkoff debit card, nothing will be deducted from it for the transaction. If there is not enough money in the account for payment, the client can use an overdraft if such a service is connected to the card. When conducting a transaction using a Tinkoff Bank credit card, no commission will be withheld, and a grace period will apply to the funds used.
Creating an account on the Tinkoff website
When making their first payment through the Tinkoff Bank service, the client will have access to their personal account. This is done simply. When making a payment, the bank will ask the client to indicate his phone number and email address. The phone number is confirmed by a code sent to it in an SMS message.
In your personal account, you can create templates, set up automatic payments, and view current invoices for payment. For example, your accounts may reflect your debts for traffic police fines and taxes if you enter the vehicle number, driver’s license and tax identification number into the system.
In practice, your personal account is very multifunctional. If you enter the details of your documents into it: passport, international passport, information about drivers and transport, you can pay online not only for housing and communal services and other services, but also buy insurance, air tickets, etc.
All operations and access to your personal account are always confirmed by a password sent to the client’s phone.
Limit restrictions and commission
At Tinkoff Bank, you can actually pay for various types of services without paying additional expenses in the form of commission fees, since servicing debit cards in itself implies the inclusion of money transfer operations in the cost of the cards.
It is important to note that there are no limit restrictions on financial transfers. One can say even more - Tinkoff issues additional money if the user does not have the amount necessary to pay. This occurs within the framework of an overdraft, and up to 3 thousand rubles are issued without deduction of interest rates and other parameters charged for service.
You can activate this type of service both from a mobile bank and from your personal account on the official website of a financial institution.
The only limit is the amount of money in the client’s account, because he cannot transfer more funds than he has.
Other convenient services of Tinkoff Bank
On the bank's website you can check your current tax debt and, if necessary, pay it immediately. This section is located in the “Government Services” payment category. In it you need to enter your taxpayer number, that is, TIN. If you do not have a personal account, you must additionally enter your email address and TIN. After analyzing the data, the system indicates a list of tax obligations. You can pay all your debts at once, or only some of them.
In the State Services section there is another useful service - checking and paying traffic police fines. You enter the vehicle certificate number and/or driver's license number, the system instantly displays fines associated with this data. They can be paid immediately by card.
After verification or payment in the client’s personal account, the Tinkoff Bank website will reflect the current situation with debts to these government agencies. The client will receive notifications when new debts arise.
about the author
Irina Rusanova - higher education at the International East European University in the direction of "Banking". Graduated with honors from the Russian Economic Institute named after G.V. Plekhanov with a major in Finance and Credit. Ten years of experience in leading Russian banks: Alfa-Bank, Renaissance Credit, Home Credit Bank, Delta Credit, ATB, Svyaznoy (closed). He is an analyst and expert of the Brobank service on banking and financial stability. [email protected]
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Payment through Sberbank
An interesting question is about alternative options for paying for housing and communal services. People especially often ask whether it is possible to pay money at a Sberbank ATM.
Important! Sberbank Online does not allow transfers from cards of other banks. You must have a Sbercard.
In this regard, you can use the SB ATM and pay for housing and communal services using a Tinkoff card using the GR code. The barcode is located on the receipt. It is enough to scan the receipt at the ATM and transfer money from the card. You should expect fees here. The transfer period can take several days, which is not always convenient for users.
