To the equator of the month at the post office and at offices of some banks hype: Ukrainians stand in mile-long queues to manage to pay for utilities to 20 th, warning the oppressive stamp duty in the following receipts. “Today” figured out what are the ways to “live without debt”, and analyzed the advantages and disadvantages of their use.
- SERVICE: BANK TERMINAL
Increasingly, Bank employees actively encourage customers to pay via information-payment terminals installed in offices, — luring the speed of operation and lack of fees. These machines are good that make a payment through them can customer of any Bank, not just the Bank-owner of the terminal. Accept both cash and cards, and have terminals in many offices.
Plus terminal that the queue near the terminal, usually less, and the operation confirmed cheque. Too, have drawbacks: if you pay cash, you need to take care that the bills lacked under the settlement for each receipt, since the terminal does not give change. It usually is possible to send to a Bank card or mobile, but if you need cash here and now, it can be uncomfortable.
- MAIL QUEUE AND “TIPS”
The offices of “Ukrposhta” — one of the most usual payment of “communal”. The Commission is absent or small (no contracts with some organizations). But have to stand in a huge queue. If you do not want to stand for a long time in the office can make the payment through the website of “Ukrposhta”. But in this case, be prepared for a fee of 0.5%, but not less than 3 UAH 1.5 % + UAH 3 (different in each city, as it depends on the agreements with municipal services providing the service).
- PRIVATE OFFICE IN THE ORGANIZATION
Pay checks Ukrainians can also through personal online offices of organizations that provide services. You need to register on the official website and to authenticate (username and/or password will be sent to email or mobile phone). In the offices of some organizations you can do an instant payment, but to see the rate and the indicators to be reconciliation, keeping track of the schedule changes the amount of payment, etc. But, unfortunately, not all offices — some of them can carry out only minimal options (for example, to make figures and, in fact, to pay the cost of the service).
By the way, to e-classrooms, as a rule, not tied card, which will take the payment — it will have to be entered manually, after which your interaction with the Cabinet ends, and continues the dialogue with the Bank (not all banks are easy to obtain confirmation, etc.). Minus in the fact that such offices have not all organizations, moreover, because of the shortcomings of the system can receive any numbers, debts, etc., although in paper bills all right. Besides, this study can also be fees.
- COMPUTER AND SMARTPHONE TO HELP
In most banks you can pay the receipt using the application in the mobile or online banking. This service is only for their (the customers Bank), and only for those who registered in banking: you need to personally visit a Bank and write a statement. Plus of this method is that payment is carried out from the comfort of your sofa or anywhere where there is Internet. Queue here either, and the fee is often not charged. Also among the advantages is the ability to create a payment template to avoid typing every time the details of the organization, and make a payment on a certain day of the month automatically. Minus of online purchases is that if the house does not have a printer, you will not have receipt confirmation of payment on hand. In addition, the elderly belong to the gadgets cautiously and still have time to stand in queues. Although banks admit that there is progress: in “Oshchadbank” say that more than 50% of payments (in 2014, it was 20%) pass through remote channels and not through cash.
- SYSTEM OF RECEPTION OF PAYMENTS
Advanced Internet users can pay bills through online services and the system of reception of payments: Portmone, iPay.ua, EasyPay, Plategka and others. In most of the systems require registration and the “garter” to the account with a credit or debit card for automatic accumulation and payment of payments, etc., but in General this practice quite convenient. The operation is simple: by selecting a payment service, click “continue” to enter your card details and click “pay”. But for this the service provider must cooperate with the service.
Some systems accept payments charge a monthly fee (10 UAH) for the use of the service. In addition, almost everywhere there is a Commission for the payment of “communal” (and sometimes only monthly fee). The Commission depends on the type and amount of payment, and its size varies from a few percent of the account to fixed rate. Some systems give a Commission discount of 10-20% of registered users of the resource. The latter is also available templates and payment history, most systems have mobile apps that work on all popular mobile platforms — Android, iOS and Windows phone.
- THROUGH THE BANK
To pay the “communal” can be in any Bank. The Commission for the conduct of payment in this case depends on the existence of contracts between service providers and the Bank, and may vary depending on the Bank and even region of the country. Exact rates can tell you in the call centers, but the plug on the average from 0,5% (but not less than 3 UAH) to 1.5% of the amount +10 UAH. Best for a purse such payment can not be named.
But there are exceptions: sometimes banks give the opportunity to pay without fee all the bills, or some of their views as a bonus to our customers — for example, if your card is the highest level you get in the Bank a pension, keep the Deposit, etc. In this case, the inconvenience to humans can only be that if the discount is not on all bills, but only on some specific, you have to stand in line in another place — where the “leftovers” work for free to repay.