Payment for housing and communal services through Sberbank Online - a modern remote method of settlements with enterprises utilities servicing your home. When using it, a bank client can forget about tedious queues and timely repay current payments in the Internet banking system with minimum commission. In the article we suggest you use step-by-step instructions for making this type of payment, use it.

How payments are made in Sberbank Online

For owners of bank cards with connected Internet and mobile banking all the benefits of remote financial management are available, including payment of housing and communal services through Sberbank Online without commission or with a minimum value of it.

Commission percentage when paying a receipt online

The Autopayment service is activated free of charge when paying for housing and communal services through Sberbank Online commission when using Autopayment it is 0-1% of the amount.

By connecting Autopayment from Sberbank, you will not need to calculate each time how many days it takes to pay. Obligations on bills will be fulfilled on time, and you will be able to spend your time for the benefit of yourself and your loved ones.

Now that the issue with the commission has been resolved, we suggest going directly to the step-by-step instructions for paying utility bills through your Sberbank Online personal account.

Step-by-step instructions for paying a bill

Let's take a closer look at how to pay for housing and communal services through Sberbank online. Instructions for making a payment include:

• authorization and login to your Personal Account;
• opening the corresponding “Transfers and Payments” tab;
• choosing a method for entering data: this can be by specifying the details of the organization/enterprise, searching by name or in the “Rent” field.
• indication of the card from which the money will be debited;
• entering a single number from the receipt, which will ensure the generation of a payment receipt;
• checking the correctness of the details and indicating the required amount;
• confirmation via SMS and in the open window (payment completed).

When the payment document is generated, information will become available about what percentage of the payment (commission) will be debited from the client for the transaction. If you make a payment using your personal account number, be careful when entering it. Refunding money if you enter the required information incorrectly will involve a significant loss of time.

Sberbank clients also have access to payment for housing and communal services through their personal account using a terminal by selecting the “Payments and Transfers” menu item

How many days does it take to pay for housing and communal services?

In a few minutes, without leaving home or office, the cardholder will be able to transfer the required amount (possibly without or with minimum value), which will arrive in the current accounts of utility services within a maximum of 3 days.

Payments made online are statistically not overdue. This system settlements imply an accelerated receipt of funds to the specified account. However, if you want to play it safe, then choose a payment date 4-5 days before the one indicated on the utility receipt. In this case, you definitely won’t have to worry and wonder how many days it takes for payment to reach the company’s invoice.

Settings in your Personal Account

In order to transfer monthly amounts to utility bills quickly and without additional effort, we suggest:

• set up the Autopayment service;
• customize templates.

Note: you can enter all the data manually each time, but setting up templates and payments will save the client from regularly filling out payment slips, eliminate accidental errors when specifying details and allow you to automatically pay utility bills without a reminder.

How to create/edit a template

Paying for housing and communal services through Sberbank Online will be easier if you set up templates for monthly transfers. Internet banking allows you to save data about the recipient's details and create a template that will be used if necessary. A template created once will allow all subsequent operations to be carried out without re-entering data and details, indicating only the amount that should be debited from the card in the current month.

IN Personal account in the right panel, select “Manage Templates”, then create a template for the operation that is required regularly

It is not difficult to edit the created template via the Internet. Follow the first step of the instructions provided - follow the “Manage Templates” link. Then select the one that needs editing. After this, by going to the appropriate page in your Personal Account, fill in those lines with the necessary information electronic form that have changed.

Check out the bank's video instructions for creating templates for paying for housing and communal services through Sberbank Online

A template can be useful in that there is no need to re-enter unchanged information. However, it cannot remind you that it is time for payment. We suggest using the instructions for setting up Autopayment, which will allow you to make regular financial payments without commission.

How to activate Autopayment

With AutoPay configured, paying for housing and communal services through Sberbank Online is greatly simplified (what commission is charged is indicated above). The automatic payment service is as follows: monthly the system automatically debits the required amount from the account specified by the card owner.

The client can connect and disconnect the automatic payment service, correct data, cancel one or more current transactions, or use it for a long time.

Conclusion

As you can see, paying for housing and communal services through Sberbank Online will allow you to remotely pay current bills for utility services. Operations are carried out quickly, and the client can print checks and check all payments made in this way (if necessary, for example, for reconciliation).

Russian law

The timing of the transfer or the timing of the transfer of funds (the timing of transactions), as a rule, begins to interest clients mainly when there is a long delay in receiving the transfer or in crediting the payment. How long does it take for a payment or money transfer from a private person sent via banking system? Let's see what the laws say about this Russian Federation.

In Article 31 of the Federal Law "On Banks and banking" dated December 2, 1990 N 395-1, the following is stated about the timing of the transfer of client funds:

• The credit institution and the Bank of Russia are obliged to transfer the client’s funds and credit funds to his account no later than the next trading day after receiving the corresponding payment document, unless otherwise established by federal law, agreement or payment document.
• The credit institution carries out settlements according to the rules, forms and standards established by the Bank of Russia; in the absence of rules individual species settlements - by mutual agreement; when making international payments - in the manner established by federal laws and rules adopted in international banking practice.
• In case of untimely or incorrect crediting of funds to or debiting from the client’s account, the credit institution and the Bank of Russia pay interest on the amount of these funds at the refinancing rate of the Bank of Russia.

IN Civil Code RF (Civil Code of the Russian Federation) dated January 26, 1996 N 14-FZ (Part 2, Article 849) on the timing of transactions on the client’s account the following is stated:

• The bank is obliged to credit funds received to the client’s account cash no later than the day following the day the bank receives the relevant payment document, unless a shorter period is provided for in the bank account agreement.
• The bank is obliged, by order of the client, to issue or transfer the client’s funds from the account no later than the day following the day the bank receives the relevant payment document, unless other deadlines are provided for by law issued in accordance with it banking rules or a bank account agreement.

And in Federal law Russian Federation dated June 27, 2011 N 161-FZ "On national payment system"The following is stated about the timing of funds transfer:

• in paragraph 5 of Article 4 (Procedure for providing payment services) – “The transfer of funds, with the exception of the transfer of electronic funds, is carried out within a period of no more than three working days starting from the day the funds are written off from the payer’s bank account or from the day the payer provides cash for the purpose of transferring funds without opening a bank account”
• in clause 11 of Article 7 (Features of electronic money transfers) - “The electronic money transfer is carried out immediately after the electronic money operator accepts the client’s order.”

IN last years, carrying out improvements to their programs and clearing systems, many banks began to announce on their websites information about the timing of the transfer of funds, the timing of the transfer of client funds and the timing of certain types of transactions that fit within the framework of legal requirements.

Thus, within the framework of legal requirements, Sberbank of Russia, for example, announced the following terms for the transfer of funds:

1. Debit card deposits:
   • Guaranteed period for crediting funds to the account bank card: 1 day from the date of the transaction.
   • Average enrollment time (excluding periods of peak loads of the processing system): 1-3 hours from the moment the transaction is completed.


2. The time frame for issuing a BLITZ translation within Russia is no more than 1 hour from the moment it is received.

And on the Alfa-Bank website you can find the following terms for transferring funds:

• Instantly transfer funds to your ruble wallet account in WebMoney using an Alfa-Bank card, which is connected to the Alfa-Chek service.
• Deadline for transferring funds via the international money system Western transfers Union - in a matter of minutes.

What is the deadline for the receipt of funds for international transfers made with credit to a current account? To the deadline for crediting the transfer to the client’s account in Russia, announced above, will also be added the deadline for the transfer to complete in foreign bank, and if an intermediary bank is also involved, then the period for carrying out the operation in it will also be added.

If we summarize all the above laws and take into account all the nuances and conditions, then settlement period transfer/payment processing may be:

• within one bank - terms of transfer or terms of transfer of funds individuals must be completed within one day,
• between Russian banks - the time frame for transferring funds should be no more than three, maximum four days.
• Between countries - since the timing international transfers Depending on the type of transfer, the presence of an intermediary bank and the country of departure, the terms can range from several hours to 5 - 7 days.

For information: The Federal Law of the Russian Federation dated June 27, 2011 N 161-FZ “On the National Payment System” defines the following concepts:

• money transfer- actions of the operator to transfer funds within the framework of the applicable forms of non-cash payments to provide the recipient with the payer’s funds;
• electronic cash- funds that are previously provided by one person (the person who provided the funds) to another person, taking into account information about the amount of funds provided without opening a bank account ( obligated person), for execution monetary obligations the person who provided the funds, before third parties and in respect of which the person who provided the funds has the right to transmit orders exclusively using electronic means of payment.

Source: Business Quarter magazine

Natalia Baranchikova

How long do payments take?

Valentina Korkina, head of the department of interbank settlements and correspondent relations of SKB-bank:

We send payments received before 16:00 on the same day. If the client provided documents in paper form, it will take some time to process them. Electronic payments are much faster. We also transfer funds to the client’s account “day after day”. In order for the counterparty to receive the money as quickly as possible, it is better to use electronic system“Bank-Client” or “Bi-Print” and provide payment until 13:00. The bank sends funds “day to day” regardless of the state of its own correspondent account: to ensure the speed of payments, a special agreement has been concluded with the Central Bank, under which SKB Bank can receive intraday loans. The speed depends not only on the specific credit institution. After the bank has sent electronic payment, the funds go to the Central Bank Information Processing Center. After this, they are credited to the correspondent account of the receiving bank and transferred to the client’s account. If correspondent relations are established between banks, then the payment is made directly, without the participation of the Central Bank, and this is much faster.

Andrey Antipov, Deputy Chairman of the Board of Metcombank:

On average, one payment takes two hours from the moment it arrives at the bank to the final recipient. The speed is influenced by the territorial factor, as well as by the method in which the recipient's bank accepts payments. When the recipient is a client of another bank, settlements are carried out “same day” if they are received before 15:00. When the recipient is our client, payment will be made on the same day if the documents are received before 16:00. We make payments to cities where we have branches in less than an hour. High speed operations are guaranteed by remote control systems banking services.

Galina Sushkova, head of OPERO bank "Jewelry of the Urals":

Payments are processed “same day” if the documents are received by on paper during the operating day. If later, the funds will be transferred in the first half of the next one. The Bank-Client system increases the speed of payment execution.

Evgeny Turutin, director of the business development department of Zoloto-Platina-Bank:

Payments are debited from the client's current account and sent from the correspondent account on the same date throughout the entire business day. Thanks to the electronic settlement system between divisions of the Bank of Russia, payments from commercial banks in Yekaterinburg take place within 10-15 minutes. When sending money to Moscow, you need to take into account that there is a scheduled system for receiving and processing payment documents. Therefore, you should expect funds to be credited to the recipient’s account within 1-3 hours. We do not have special tariffs to speed up payments, but if the client wants to send funds individually, the bank is always ready to accommodate him.

Natalya Minyailo, head of customer service department commercial bank"GRAN":

We have a standard for processing payment documents; this procedure takes 30 minutes. All payments that arrive at the bank before 16:00 are processed “same day”. If the client needs to make a payment at a later time, he can write a letter to the bank. If such an application is received before 17.30, the payment will be sent on the same day. This service is paid additionally.

Marina Galushina, head of the accounting and operational department of the branch of UralSib Bank in Yekaterinburg:

The processing time for payment documents is specified in the bank account agreement. Article 31 of the Federal Law “On Banks and Banking Activities” obliges the bank to “transfer the client’s funds and credit funds to his account no later than the next business day after receiving the corresponding payment document.” Some people use this wording to their advantage.

It is ideal if the bank makes credits to clients’ accounts before the completion of settlements by the RCC, and payments for orders before the maximum possible time. There is also an “individual approach”, when a client can enter into an agreement with a credit institution on special terms.

Our bank allows our bank to reduce the payment processing time to a minimum branch network, as well as open correspondent accounts in other credit institutions. It is important not only the number of accounts themselves, but also the balances that banks hold on them.

Natalya Kalinichenko, head of the settlement center of Bank24.ru:

In our bank, the cost of a transfer via the Internet Bank system is 9 rubles. 90. kopecks for each document, regardless of the transfer amount, time and region where the payment is sent. All client documents are processed automatically, without the participation of transaction operators, and are executed within 10-20 minutes. Our clients can take advantage free service“Informing clients about the movement of funds in the account” in order to control the time of sending payments and their receipt in the account.

Maria Plaksina, head of service department corporate clients Uralvneshtorgbank:

Banks make payments in the Ural region “day to day”. To other regions - depending on the time of submission of payment documents and destination. Speed ​​also depends on the system remote maintenance, which the client uses, and on the bank’s mode of operation with payments.

At UVTB, funds are credited, serviced, and debited from the account automatically. All payments received by the bank before 16:00 in paper form and before 20:00 in electronic form through remote banking channels will be executed on the same day. Funds are immediately transferred to the client, bypassing transit accounts. Payments that arrive at the bank after 20:00 are processed the next day. Such a schedule - due to the time difference - is convenient when working with Moscow. However, the procedure for settlements with the Moscow region depends on the operating hours of the territorial branch of the Central Bank in Moscow. The Central Bank has determined only 5 flights during the day for all banks. We guarantee payment execution to Moscow within 2-3 hours.

In the article we will talk about how long it takes for money to arrive in the current account of Sberbank and other banks. Let's find out what deadlines the law sets and in what cases the translation may be delayed. We will talk about foreign currency payments, as well as ruble transfers from cards and between current accounts of different banks.

How long does it take to transfer to a current account?

For business speed bank transfers is an extremely important parameter of banking services. How long it takes to process the payment determines how long it will take for the goods to be shipped or work on the order to begin.

In fact, it is almost impossible to unequivocally answer the question of how long it takes to send funds to an account. A lot depends on the nature of the transaction, the payer and recipient banks, etc. For example, within one credit institution, money usually arrives within a few seconds after sending a payment order, while a payment sent to another branch or bank can no longer be called instant.

The law establishes the bank's obligation to credit funds no later than the day following receipt of payment from another financial institution. The situation is similar with sending: the payment must be sent maximum the next day after the order is processed by the sending bank. But the process itself often involves many financial institutions, and as a result, the payment processing time increases.

It usually does not specify how long it takes for the money to arrive in the organization’s current account. Typically, ruble transfers are credited to the recipient’s account on the same or the next banking day, provided there are no errors in the documents. The maximum period can be up to 5 days, but such a long period is rare under standard conditions.

The situation with foreign currency payments is much more complicated. On average, they reach the recipient within two days (working days). But this time can increase significantly if there are errors in the documents accompanying the transaction, and it is not always possible to detect them at the initial stage of sending the transfer.

How long does it take for money to reach a Sberbank current account?

Among business representatives it is one of the largest credit institutions. Entrepreneurs and firms are ready to put up with some of the shortcomings of service at Sberbank, because in return they receive increased reliability and reduced risks. But how quickly the money arrives in the Sberbank current account may depend major transactions, and you need to take into account in advance that several situations are possible:

Ruble payment sent from the same regional office Sberbank. If the transaction is completed during the business day, then the recipient receives the money during the same day, and if sent in the evening, in the morning of the next business day.

The transfer in rubles was sent from another regional branch of Sberbank or third party bank . It usually arrives early the next day. Only in some cases, when sending a payment in the morning, the recipient sees the money on the account in the afternoon.

Sent currency payment . This case is the most difficult, as it largely depends on the sending bank. Sometimes even its employees cannot tell you how much money goes to Sberbank in this case. However, this operation usually takes 2 working days and only in exceptional cases takes up to a week.

How much does money go from a current account to the current account of different banks?

There are no standards regulating the speed of transferring money between accounts in different banks. In many ways, how long it takes money to go from a current account to a current account depends on the specific credit institutions, involved in the calculations. Ruble payments usually arrive within a few hours, maximum in the morning of the next business day, and foreign currency payments within 2 business days.

How long does it take for money to arrive on the card from the current account?

Transfer to a card from a bank account may be necessary in different situations, for example, when paying salaries to employees or withdrawing own funds entrepreneur. Within one bank, such operations usually take place within a few hours. Money sent in the morning arrives on the card by lunchtime. Only sometimes funds are credited on the next banking day.

Transfer between different banks takes a little longer. In most cases, funds become available the same day or at most the next day. But sometimes the operation can last up to 5 days due to the peculiarities of interaction between banks and payment processing by the processing center.