How to pay utility bills through VTB 24 online: commission

Payment Methods

Every tool has its advantages and disadvantages. The choice is dictated by specific circumstances.

Payment at a bank branch

For many users, this is the most familiar and understandable service. To use it, you need to visit the bank office during opening hours. VTB branches operate an electronic queue system. A ticket with a number is issued by a machine located at the entrance to the “operational” territory. Select the "Payments" option.

The movement of the queue is reflected on the monitor screens.
The visitor will see and hear his ticket number and the operator’s window number, which he should contact when it’s his turn. IMPORTANT!!!
Waiting in the electronic queue takes time. The length of the queue depends on local circumstances. For example, in branches of St. Petersburg the average value is 30 minutes.

The basic document for payment for housing and communal services is a receipt issued by utility companies. In addition, you will need a passport, cash or card.

Hand it all over to the operator. Relax for a few minutes while the bank employee enters the information into the system.

The training and experience of bank tellers makes data entry errors unlikely. This is a big plus of this payment option. Take the change (if you are owed it). Get a receipt.

VTB – payment of utilities through ATMs

Holders of VTB payment cards (debit and credit) can use the ATM most effectively. You can also pay from cards of other banks. However, this option comes with a fee.

The debit card account balance must be sufficient to post the receipt. The credit card's financing limit must not be exceeded.

Having found the address of the nearest VTB ATM through the official website, visit this point in person, having your VTB card with you. If you don’t have a VTB card, take the one you have, but keep in mind: it won’t cost you without a commission.

Insert the card into the receiving slot of the device. Dial the four digit code. A screen similar to the one shown in the figure below will open.

Sequencing:

Select the “Payment for services” option (see picture above).
On the screen that opens, find “Utility payments".
Activate the option.
Select from the list the organization you are going to pay.
Enter the amount.
In “Payment Purpose” enter your surname and initials, address, payment period, personal account.
Check if everything is correct.
Confirm the transaction with an SMS code.
Give the command “Send”.

This sequence of actions is suitable when your utility service is a VTB client. Her bank details are inserted into the payment form automatically.

If this is not the case, you will have to act differently:

Select the "Transfers" option.
On the tab that opens, find “To another bank.”
Select the ruble transfer option.
Fill in the payment attributes that the system requests.
Further everything is similar to the previous option.

Details that are tedious to enter, such as current account and statistical codes, will have to be entered here yourself. This is fraught with errors.

The advantage of this solution is that you don’t have to rush to the office, where the queues are usually longer than in front of ATMs.

Make a payment via terminals

Find the VTB terminal. As a reward you will pay no commission.

If the receipt contains a graphic code (bar code, QR code), and the terminal is equipped with a graphic code reader, then everything couldn’t be simpler.

Invest in a bill acceptor. Place the code in the reading area, check the details and confirm the operation

If there is no code reader, put money into the bill acceptor, enter the payment details from the payment document, check the correctness of the entry and confirm the operation.

Pay via VTB-Online

The VTB Online service makes it possible to pay for housing and communal services at your home desk, on which a laptop or desktop computer is located. Connection to the World Wide Web is an indispensable condition.

VTB creates a virtual account for each cardholder. All payment actions are performed from this account. Find out how to connect it at the link https://online.vtb.ru/content/v/ru/help/common-info/topic1516.html.

The main screen of VTB Online is shown in the figure below.

Sequencing:

Connect to your personal account on the website https://online.vtb.ru/.
Enter your password.
Verify your entry with an SMS code.
Look at the main menu bar at the top of the screen.
Activate the “Payment for services” item.
Scroll down the screen until you see the “Utilities” option.
Find the one you intend to pay from the list of institutions.
Enter the amount.
In the “Payment purpose” field, enter your last name and initials, address and payment period.
Check if everything is correct
Confirm the transaction with an SMS code.
Give the command “Send”.

There is a complete coincidence of the sequence of actions with the “ATM” option after activating payment for services (clause 6).

Everything else is the same too. If the organization is not in the list, follow the route “Transfers” → “Other transfers” → “To another bank (rubles)” → “Enter using free details”.

Enter the details from your housing and communal services receipt.

Confirm that your input is correct.

This option will suit those who value their time, are not afraid to press buttons on the computer and believe in technological progress. It is preferable to the "ATM" one. Information is entered in a comfortable home environment, no one is breathing down your neck.

Via mobile application

The VTB mobile application can be installed on phones with all popular operating systems. This is an online banking option adapted to the geometry of a mobile phone. The application must be downloaded, installed and configured. To enter it, a four-digit digital code is used, which is set during setup.

There are no fundamental differences in payment for housing and communal services from the previously considered scenarios.

The main menu is located at the bottom of the phone screen. It all starts with activating the “Payments” option in the main menu line.

Next, the same routing is used as in previous stories.

This method is convenient for those who have to pay from any place where the global network operates.

Complete independence from geographic location, constant availability of a technical communication device (if there is no habit of losing it), speed and reliability of information exchange are the undeniable advantages of this solution.

The main screen of the application's operations area is shown on the left. The “Payments” option is located at the bottom (marked with an arrow). Clicking on it with the left mouse button begins the journey through payment routes.

VTB 24 payment of utilities online

First of all, let's look at the most convenient method. The instructions described below are suitable for online banking, opened in a browser on a computer or laptop, as well as for the bank’s mobile application:

After logging in on the main page of your personal account, you need to click on the “Operations” link.
An extensive list of services provided by the bank will appear in the window that opens - among them we find the link “Utility payments”.
Depending on your location, you will see a list of organizations providing housing and communal services.
The list will be extensive, so you can use the search bar and enter the name of the authority.
You will see a form to fill out. In the fields you must enter the details specified in the payment receipt (payment amount, payer code, date).
Carefully check the data you entered, and then confirm your action using the code indicated in the image.
Done, the bank will notify you of successful payment. If you need to print a receipt, go to the “Transaction History” section, where you need to select the required payment. On the left side of the screen there will be a “Print Document” button.

This way you can pay for any utilities, including Internet and intercom. If necessary, you can set up automatic payment - once a month a certain amount will be transferred to the account of the organization providing housing and communal services. This option is suitable for those who pay a flat rate and do not use meters.

After checking the entered data, you can place the bills in the slot and make the payment. This action is confirmed by an SMS message that will be sent to the phone number associated with the card.

Why do you need a receipt for payment?

A transaction receipt confirms the fact of transfer of money for housing and communal services. Disputes about making payments arise due to failures in banking systems, communication channels, human brains, etc. A check is an official document confirming the amount, date and direction of payment.

If the check is received electronically using VTB online or a mobile application, then in order to increase the impact on the party disputing the payment, it should be printed and certified by the bank operator.

Commission for payment of housing and communal services

VTB 24 does not charge a commission when the client pays utility bills when making transactions via the Internet, as well as through an ATM. If the payment is made through an ATM or online using a third-party bank card, then the commission will be 0.9% of the payment amount.

Thanks to the Telebank system, you can make payments for housing and communal services at VTB 24 Bank at any convenient time via the Internet.

Payment of utilities through the bank cash desk is made with a commission equal to 1.5% of the payment amount (minimum 20 rubles, maximum 1000 rubles). For pensioners who own a social card, the commission is 0%.

How to pay utility bills without commission

The payment will be completed within 24 hours. After the transaction, you can print a receipt.

Payment system QIWI. This system allows you to pay utility bills with a commission fee of 2%. The payment amount is credited the next day. It is possible to print a receipt.
Settlement center Online. Payment is accepted by Visa, MasterCard. The minimum payment amount must be 250 rubles. There are no commission fees for paying utility bills. It is possible to print a receipt.
Electronic money. An example of electronic money is the PayPal system and Yandex-money. When paying for housing and communal services, no commission is charged. Payment is usually received the next day. For greater security when paying with an electronic money system, it is better to enable additional protection. It is also better not to transfer too large amounts at the same time.

Bank cash desk. Payment through the cash register is the most well-known method. Many banks provide this service. Moreover, when choosing this method, the interest for servicing is quite large. The exception is a small number of banks that offer zero commission to their clients. Another disadvantage of this method is that you can end up in a huge queue among the same payers.
Post office. The problem of large queues is also relevant when choosing this option. At the post office, clients are charged a commission fee.
ATM. This method is only suitable for those who own a plastic card. Interest rates at ATMs are minimal. There are banks where the interest rate for their clients is zero. ATMs operate around the clock, which means payments can be made at any time of the day. The number of people in line is almost reduced to a minimum. Please note that ATMs of not all banks offer this service.
Terminal. This method is identical to the ATM option with the slight difference that the amount is deposited into the device in cash. Terminals are located at every step: in shopping centers, large stores, and gas stations.