Debt payment options depend on whether you and your creditors are in the same locality and in what ways each of them can accept payment. All you need to do is to clarify the amount owed to each and choose the most suitable of the possible payment methods.
It is necessary
- - money in the amount of debt;
- - details of the recipient;
- - your personal account number with the service provider;
- - passport (not in all cases);
- - data of the creditor's account in a particular payment system.
Instructions
Step 1
If you are in debt for certain services, check the amount owed at the time of the expected payment by phone, online (if possible) or by visiting their supplier's office. As a rule, payment can be made through Sberbank, in some cases by mail (strictly according to the receipt and in the amount indicated in it), through a terminal in the bank from a card or in cash, through instant payment terminals.
In most cases, the name of the provider and your payer's personal account number are sufficient.
If you pay by bank transfer, you will need the recipient's details. All this information is in the accounts. You can also get it from the service provider's office, by phone, or from the company's or organization's website.
Step 2
In some cases, you can repay the debt in cash. Meet with the lender and hand the money over to him or her to the cashier. Do not forget the recipient to issue a receipt indicating that he received the money and, if the debt is fully repaid, no longer has any claims against you.
If you have deposited money in the cashier, do not forget to take a cash receipt.
Step 3
When you and the creditor are located in different locations and even countries, there are no obstacles to debt repayment either. You can use one of the many money transfer systems by visiting the nearest payment acceptance and delivery point (usually based on bank branches), filling out the necessary papers and depositing money there. Then tell the lender the payment code you received.
If the system involves receiving a transfer in a limited number of issuing points, agree with the recipient which is the most convenient for him and provide this information to the bank employees when submitting a transfer request.
Step 4
If you and the recipient have accounts in the same currency, you can pay off the debt by bank transfer to his account. To do this, you will need your lender's account number and bank details.
You can generate a payment order in Internet banking, if available, or contact the tellers in the office or call center (if they provide such an opportunity) of the bank and provide the details, amount and purpose of the payment that will be debited from your account.
Step 5
If the lender has an account in one of the electronic payment systems, you, knowing his identifier, can replenish his account with the required amount from your own in the same or, in some cases, another system or through the terminal.
