Many people know that Sberbank "Auto payment forutilities »offers to connect all of its customers. This opportunity in itself makes many happy. Especially those who have money on their accounts all the time. After all, then with the write-off of money from the balance you will not have any problems. All about "Autopayment for housing and communal services" readers have to learn to the full extent further. What are the pros and cons of this system? What should I look for? How to activate this feature? Are the customers satisfied with the offer?
Description
"Auto payment" is an automatic payment of invoicesor automatic replenishment of balance (for example, telephone). Very convenient function - with it you can forget forever about some payments that are made regularly. The most popular operations are the payment of utilities. You can connect "Auto payment", which on a certain day will make a write-off from your account of funds for using these or other opportunities that are related to the housing and communal services.
Dilemma
True, not everyone is satisfied with thisfunction. Therefore, citizens often think about the proposal that is provided by Sberbank. "Auto payment for utilities" is good when it comes to paying fixed fees. Then you can easily monitor the flow of funds on the card.
But most of the payments are constantly changingsizes. For example, for light or water. Usually, such services are paid for according to the meter readings, which is not very convenient for automatic write-off of funds for certain opportunities provided for apartment maintenance.
So, before the population there is a question:"Do you really need this auto payment?" Everyone should answer for himself. Often this service is connected only in cases where it is necessary to pay off bills with fixed payments. For example, for gas, telephone or internet.
Commission
It's no secret that you will not bea commission is charged if you pay bills through Sberbank. "Auto payment for utilities" will require a small cash compensation. This point is often noted by customers as a supply shortage. Many people think that it's better to save money, but to make a payment without automatically debiting money from the card. Especially when it comes to large amounts.
How much do I have to pay to usea service that Sberbank ("AutoPayment") offers its customers? Public services (the commission in this case is only 1% of the amount of each transaction) can be paid with a small "surcharge", which even average citizens can afford. Please note: the maximum commission fee can not exceed 1,000 rubles.
Different payment options
What does Sberbank offer its customers?"Auto payment for utilities" at the moment provides several options for writing off money from your account. You can choose one of the suggested schemes yourself while the service is connected. If desired, as customers say, you can change this system of writing off money.
What options take place?Firstly, at a certain moment, you can write off from your balance the exact amount that you owe. This system is convenient in most cases. Secondly, customers have the opportunity to write off a specific amount of money on the day you set out.
Informing and checking
Many try to learn all the pros and cons of ourtoday's proposal. What surprises and pleases its customers Sberbank? "Auto payment for utilities" has a huge number of pluses. And it does not matter which particular system of writing-off funds you have chosen.
Among the benefits often reportedcustomers about the forthcoming payment. Also after the operation, you will necessarily receive an SMS message with information about the transaction. Very convenient: you will not forget when your receipts will be paid.
If there is not enough money on the card or account, the systemwill begin to check the balance until you have enough money to make the payment. Once every 3 days, a second attempt is made to pay the receipt. Here are such features of the "Auto payment utility services." Sberbank customer feedback for information and constant checking of the account status earns mostly positive. It is enough to set up payment for utility services in the way that suits you! And you can only print receipts for making payments!
By the way, the function we are considering is boundedthe time at which all accounts must be paid. It's 9 am Moscow time. If the auto payment falls on a weekend or a holiday, the money is written off at the appointed time. But the direct receipt of money to the service provider is delayed - the waiting time is about 3 days. Everything is exactly the same as using an ordinary bank transfer.
disadvantages
There are also disadvantages for the service. What did not Sberbank take into account? "Auto payment for utilities" is a good opportunity. But it does not suit everyone. This is due to the shortcomings that have been noticed by customers.
The first minus is the commission.Although it is not very large, many are not satisfied with even the slightest overpayment for utilities. Customers prefer to pay utility bills on their own, but without commission.
The second drawback is that the companySberbank "Auto payment for utilities" does not include meter readings. It does not happen that this kind of information will be transmitted through this opportunity. This makes payments not too convenient, which depend on the readings of the counters. You can set a write-off of money in a fixed payment for certain utility services, which significantly exceeds the average payment, but then you will always pay in advance. Some customers do not like this system very much.
There are no more significant complaints.Now you should understand the connection and disabling of this feature. You can start using the offer at any time, to refuse "AutoPayment" is also given the opportunity when you wish.
Authorization
Подключение «Автоплатежа» может производиться in several ways. But if it is a function that is intended to pay for utilities, you will only have to act through the service "Sberbank Online".
The first stage is authorization.You must register in the Sberbank Online system, then enter the password and login in order to enter the profile of the Sberbank customer. One can do with one-time data. They are taken independently at the ATMs of Sberbank. To do this, select the "Sberbank Online" service menu, then click on the "Obtain one-time password for the entrance" option. It is desirable to register with the help of bank employees. Usually, the service "Sberbank Online" connect immediately after receiving the plastic.
Go to the site of the service, then enter your login and password. Then confirm the entry using the code that will come to your mobile. You can proceed to the next stage.
Basic Actions
Вас интересует у компании Сбербанк «Автоплатеж за utilities"? The personal cabinet in the service "Sberbank Online" will help to make the connection. Pay attention to the right side of the window that opens after the authorization. Click there on the line "My auto payments" - "Connect".
Next, find the payee. For convenience, use the details of the receipts. Fill in all the required fields, for each service it is different data. But more often among the information is found:
- personal account of the payer;
- card with which to write off money;
- payment Description.
The next stage is setting up a write-off for cashmeans. In special fields, set the type of payment for receipts, set the amount to be written off. Do not forget to specify the frequency of activation of the "Autopayment" service. Now you can click on "Checkout". Check for the receipt of all the initial data and select "Confirm by SMS." The confirmation code field will appear - it will come to your mobile.This is all.Now, at the appointed time, money will be automatically charged from your card for some utility services. The process is the same for all receipts.
Cancellation of the service
How to disable the "Auto payment for utilities"?Sberbank proposes to do this with the help of the Sberbank Online service. To do this, you need to be authorized in the system, then visit the "Personal Account". In it, refer to the menu item "My Auto Payments" - "Management".
Here you can change the settings already existingoperations. To cancel the automatic debiting of funds for certain receipts, click on the “Disconnect” button next to the corresponding line. Next, enter the verification code. It will be sent to you by SMS.
