A plastic card is used to pay for a large number of services and is a convenient product for Sberbank clients. Using the card of this financial institution, you can make payments in any area. The most common are utilities, since literally every person makes such a payment. Therefore, it will not be superfluous to know how to pay for housing and communal services through a Sberbank terminal with a card.
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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How to find a Sberbank terminal?
Finding the terminal closest to the payer’s home is quite simple. The user should go to the official page of the main financial institution of the Russian Federation and in the section of branches and ATMs, find the address of the self-service device that is closest to the person’s place of residence.
In the search bar for ATMs or terminals, the client needs to indicate the parameters he is interested in, these can be metro stations, necessary streets, avenues. There are also 24-hour terminals. If the cardholder needs exactly this, you need to enter this parameter in the search. And then the system will provide only those devices in which the user is interested.
Expert opinion
Alexander Ivanovich
Financial expert
ATMs and terminals of this financial institution are located in such areas of the city and in such places that it is convenient for anyone to reach. These include metro stations and bus stops.
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.
Step-by-step instructions for paying utility bills
If a person has information on paying for services in the field of housing and communal services, knows the procedure for performing actions at a terminal or ATM, the whole procedure will take a few minutes. When a user wants to make a payment for an apartment, the system almost independently issues the amount necessary to deposit to the bank. Therefore, even if a person does not have accurate information about how much money needs to be deposited, a smart machine will help him with this.
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How to pay for housing and communal services through a Sberbank terminal with a card?
To make payments for housing and communal services through the terminal, you should follow these steps:
- Insert the plastic drive into the special area in the ATM and enter the secret PIN code. If the password was entered incorrectly, or another user error was made, you should press the cancel key and begin the operation again.
- The main menu will open in front of the user, and he will need to select the transfers and payments section from the list. And then there is a sub-item called “utility payments” and the city of residence.
- The next stage involves choosing the organization to which the money will be transferred. Its search is carried out using a barcode or identification number.
- Indicate the personal data of the person carrying out the financial procedure, address and continue working with the terminal.
- Enter the period of time for which you need to make a payment. Usually the year and month are indicated. Specify or adjust the amount proposed by the system for payment and agree to the withdrawal of interest.
- The information that is presented for payment will be displayed on the monitor; the user should make sure that the entered data is correct. If an error occurs, fix it and continue working with the device.
The next window will show the amount to be paid for the services. The banking institution will withdraw the required amount of finance from the card, taking into account interest, and inform you that the operation was successful.
After completing the work, the client takes a plastic card.
Cash
The procedure using cash is practically no different from the payment method using a plastic card. This option consists of the following steps:
- In the terminal, in the main menu, click on payments.
- Select the type of service you need to pay for.
- Indicate the city of residence and the organization to whose balance the funds will be received.
- Enter your personal account and the amount presented for payment.
- Send a certain amount of money to the bill acceptor.
- Confirm actions.
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Payment of utilities
Now it is necessary to consider the question of how to pay by card or cash for utilities through the terminal.
Depositing funds in cash
Using the terminal, you can pay for utilities using the following algorithm:
- To pay, you need to go to the terminal of the bank in question and swipe the screen. This is often necessary to activate the device without using a card.
- Next, applications open - fields for selecting a service, from which they select “Search for payee”. If you already have a Personal Account, you must select the appropriate tab and make a payment using the recipient’s data already entered.
- Then you will be asked to search for a recipient to pay the receipt through the Sberbank terminal. There are several ways to choose from - by TIN, barcode or name. Choose the most convenient method for yourself.
- According to your selection, you must enter the recipient's details in order to pay the invoice. To do this, use the existing receipt.
- Once the recipient has been identified, you must enter your personal account number. Click on the “Continue” button.
- Often you have to enter exact data - the year and month for which the payment is made, and the amount to be repaid.
- Next, the device will ask whether you will enter meter readings. You can agree or refuse.
- If consent is received, the system provides fields for data entry.
- Finally, the system generates the entered data and makes it possible to review them by displaying them on the screen. At this time, the user has an additional opportunity to check the recipient's details to avoid mistakes.
- If all details are entered correctly, you need to confirm the transaction in the payment of the existing receipt by clicking the “Continue” button.
- Next, information will be displayed about the need to deposit funds into the bill acceptor. When entering banknotes, it is necessary to prevent the entry of paper clips, staples and other foreign objects.
The instructions for paying for housing and communal services through the terminal are presented in a rather complicated and cumbersome manner. But if you perform the operation once, you can do everything much faster in subsequent transactions.
Using the card
In the same way, you can pay rent with a card, where the following actions are carried out:
- The card is inserted into the receiver.
- Dial the PIN code, thereby activating it.
- Next, go to the main menu and select “Payment for services.”
- A window opens in which you select either “Personal Account” or “Search for Payee”.
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The sequence of further actions is presented above, so there is no need to describe it in detail again.
Tips for paying housing and communal services
If payment for services in the housing sector needs to be made using several personal accounts, it would be optimal to use a terminal. This method allows you to save each of the virtual receipts to the basket without paying while the client enters the details of another account. This option allows you to finally pay in one payment. This saves time and money.
Expert opinion
Alexander Ivanovich
Financial expert
The receipt that is issued after completing the procedure should be kept as confirmation of the successful completion of the operation.
The client should not have any problems with the rent payment, since all steps are clearly visible and displayed on the screen. If problematic situations arise, you can contact a representative of a Sberbank branch, or call the contact number and contact a bank representative who will help resolve the situation.
Via terminal
A similar method to using an ATM is a terminal where rent or other payments are also made. The instructions in this case may be as follows:
- The bank card is inserted into a special window, after which the corresponding PIN code is entered.
- Next, select the “Payments in the region” section.
- You can search for a specific organization.
- Then a receipt is brought to the scanner, where the barcode is indicated.
- The receipt will appear on the screen. Then you need to check all the data and confirm the payment by clicking on the “Pay” button.
After making the payment, click on the appropriate button to print the receipt.
Security measures for paying for housing and communal services through the terminal
Recently, fraudulent activities related to procedures through the use of a terminal or ATM have become common. Therefore, clients are advised to follow simple rules so that the money remains unharmed and goes strictly to its destination.
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When entering the card password, you should protect the keyboard from other people so that they cannot see the entered numbers. If a foreign object is noticed on the keys, you should not use this device for financial manipulation.
By making payments at an ATM using a card, adhering to the above rules, the user will protect his money from intruders.
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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Possible errors when making payments
When making payments through Sberbank, sometimes mistakes are made due to incorrectly entered data.
The most common errors are the following: a person cannot find the desired recipient in the list, or the transfer was made to the wrong organization.
Difficulties in finding the right recipient may arise for the following reasons:
- The institution to which the funds need to be transferred is not included in the Sberbank database.
- The implementation of actions takes place in another area.
- Incorrect data entered.
To be on the safe side, after making the payment, it is recommended to call the recipient back and make sure that the funds have gone in the right direction.
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.
