Utility Payments: How to Check Debts and Pay Online

Financial literacy starts with simple things — for example, managing your utility bills correctly. Timely payments help you avoid penalties and unpleasant surprises. But what if you lost your receipt, or simply want to check your balance without leaving home?

This article will walk you through the most effective and convenient ways to check your utility bills. You’ll also see how to pay them online using modern financial tools.

Why it’s important to regularly check your utility payments

Unpaid debts can lead to disconnections of electricity, water, or gas supply. In some cases, late fees are applied, significantly increasing the amount owed. Regular checks allow you to:

1. Avoid penalties and extra expenses,
2. Stay informed about your financial situation,
3. Plan your monthly and annual budget.

How utilities are usually checked and paid in Armenia

In Armenia, utility payments are generally managed in the following ways:

1. Banking apps and online banking

This is the most common and secure method. Almost all Armenian banks have a “Utility Payments” section in their mobile apps or online banking platforms.

How to pay online:

1. Check your balance: Log in to the app, select the service provider (e.g., Gazprom Armenia, Electric Networks of Armenia, Veolia Jur), and enter your subscriber number. The system will automatically display the amount owed.
2. Make a payment: Payments can be made 24/7 from your bank card. Most apps allow you to save your subscriber number, so next time it’s even faster. Note: if you pay outside business hours, the transfer may only go through on the next working day.

2. Payment systems (EasyPay, Telcell, UPay)

These systems allow you not only to use payment terminals but also to access their online platforms and apps. When paying utilities through these services, no service fee is applied.

Check and pay:

Choose the relevant service (e.g., “Water” or “Gas”) and enter your account number. The system will show your debt and offer payment options via bank card or e-wallet.

3. Specialized platforms

There are also dedicated online platforms for state and utility payments.

Example: e-payments.am

This platform lets you check and pay taxes, fines, and other state fees, as well as certain utilities by entering the receipt code.

Where Is It More Convenient to Pay Utility Bills?

To help you choose the method that works best for you, we’ve prepared a comparison table. It outlines the main options for paying utility bills in Armenia, along with their pros and cons.

Frequently Asked Questions

1. Can I pay utility bills using a card from another bank?

Yes. No matter which bank your account is in, you can make payments through the app or online platform of any Armenian bank. The only requirement is to enter the correct subscriber number.

1. How can I check my debt if I don’t know my subscriber number?

Each provider has its own way to restore this information. At Gazprom Armenia or Electric Networks of Armenia, you can contact customer service and provide your address or the subscriber’s name. At Veolia Jur, debts can also be checked by address.

1. What should I do if the payment went through but the debt still shows?

First, make sure the money was deducted from your card. Usually, payments are credited within one business day. If the debt is still displayed, keep the receipt or a screenshot of the payment and contact the provider’s or bank’s support service.

1. Is there a commission for paying utilities?

In most banking apps and payment systems, no commission is charged. However, some offline terminals may apply a fee of 100–200 AMD.

1. Can I pay utility bills for someone else?

Yes. You just need their subscriber number or account details. The payment can be made from any card or via a terminal.

1. Can I pay utility bills in dollars or euros?

No. All utility payments are accepted only in Armenian drams. If you have an account in foreign currency, the bank will automatically convert the funds into drams at the current exchange rate.

Conclusion

Modern technology allows you to pay utility bills without wasting time, standing in line, or making extra effort. By using online platforms and banking apps, you can not only easily check your debts but also manage your personal finances more effectively.

AFM is your reliable guide in the world of finance. Follow us to always stay updated on the most beneficial financial solutions.