What is the official website of the payment service?
The official website of Aktia Bank is https://www.aktia.fi
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Where can I find the customer support contacts?
Customer support contacts are available on the Aktia Bank official website in the "Contact" section for both personal and business services.
What is the hotline phone number?
The main customer service phone number is +358 10 247 6700.
Is there a toll-free support number?
No specific toll-free number is publicly listed for Aktia Bank customer support.
What is the email address for technical support?
No direct public technical support email is available; support is primarily offered via phone and online contact forms.
Are there separate emails for different types of inquiries?
Aktia Bank uses specialized contact forms and email addresses for different departments, but these are accessible through their website rather than a single public list.
Where can I find the online chat support?
Online chat support is available on Aktia’s official website and mobile app during business hours.
Does the chat support work 24/7?
Chat support generally operates during Finnish business hours, not 24/7.
Is there support through messengers (Telegram, WhatsApp)?
No verified support through Telegram or WhatsApp is offered.
What are the support working hours?
Customer support hours are typically Monday to Friday during standard Finnish banking hours.
Does support work on weekends and holidays?
Support is generally unavailable on weekends and public holidays.
Are there regional offices for in-person visits?
Yes, Aktia Bank has physical offices and branches throughout Finland.
Where are the physical offices located?
Aktia’s headquarters is located at Arkadiankatu 4-6, Helsinki, with branches across Finland.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting branches or customer service.
Are there representatives in different countries?
Aktia primarily operates in Finland with no broad international representative offices.
In which languages is support available?
Customer support is available in Finnish, Swedish, and English.
How quickly does support respond to requests?
Response times vary by channel, generally within one business day.
Is there a priority system for VIP clients?
Aktia offers premium services with priority handling for wealth management clients.
Can I request a callback?
Callback service is available through customer service upon request.
When was the payment service founded?
Aktia Bank was founded in 1826 as a savings bank.
Who is the founder and owner of the service?
Founded as a savings bank in Finland; currently owned by shareholders as a publicly listed company.
In which country is the company registered?
Registered in Finland.
What is the development history of the payment service?
Aktia has evolved from a savings bank into a universal bank, modernizing its payment systems with recent investments in digital banking platforms.
Have there been major updates or rebranding?
Recent modernization includes adopting Temenos Payments Hub for instant payments and platform consolidation.
Who sits on the company's board of directors?
Chair: Matts Rosenberg; Vice Chair: Joakim Frimodig; other members include Maria Jerhamre Engstrom, Sari Somerkallio, Carl Haglund, Harri Lauslahti, and Hanne Katrama.
Are there investors or partners in the service?
Aktia is publicly traded and has institutional and private investors; partners include fintech and technology providers like Temenos and Signicat.
Does the company participate in stock trading?
Yes, Aktia Bank is publicly traded on the Nasdaq Helsinki stock exchange.
What is the company's market capitalization?
As of mid-2025, market capitalization is estimated in the range of several hundred million euros.
Are there subsidiary companies or branches?
Aktia has subsidiaries focused on asset management, life insurance, and real estate services.
What licenses does the payment service have?
Licensed as a bank under Finnish and EU banking regulations.
In which jurisdictions does the service operate officially?
Officially operates in Finland.
Are there licenses for cryptocurrency operations?
No verified cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, full compliance with EU and Finnish AML and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
Holds standard banking security certifications including PCI DSS for card payments.
Has the service undergone security audits?
Undergoes regular security audits as per regulatory requirements.
Is there insurance for client funds?
Client deposits are insured under the Finnish deposit guarantee scheme up to 100,000 EUR per depositor.
Which international standards does it comply with?
Complies with GDPR, PSD2, AMLD, ISO standards relevant to financial institutions.
Have there been any regulatory fines or violations?
No public record of major fines or violations.
Where can I find real reviews about the service?
Reviews can be found on Finnish consumer forums, Trustpilot, and banking comparison websites.
What are the main user complaints?
Complaints sometimes relate to customer service wait times and fees for certain services.
What do users most often praise the service for?
Praise is given for user-friendly mobile banking, reliability, and comprehensive wealth management services.
Are there issues with fund withdrawals?
No widespread issues reported.
Is the interface convenient according to users?
The mobile app and online banking interface receive positive usability feedback.
Are clients satisfied with transaction speed?
Transactions, including instant payments, are typically processed quickly.
Do users recommend this service?
Many users recommend Aktia especially for wealth management and personal banking.
How do experts assess the service's reliability?
Experts regard Aktia as a stable and well-managed regional bank.
Are there industry awards and recognitions?
Aktia has received recognition for digital innovation and customer service excellence.
Does the service participate in payment system rankings?
Included in Nordic digital banking and payments service rankings.
Are there recommendations from financial regulators?
Regulators provide ongoing approval and supervision.
What reputation does the service have among partners?
Aktia enjoys a good reputation for collaboration with fintech and technology partners.
How do they evaluate solution innovation?
Aktia is recognized for innovation, adopting new payment platforms like Temenos Payments Hub.
Are there quality service certificates?
Holds ISO certifications related to quality and information security management.
Does the company participate in industry conferences?
Aktia participates in financial and fintech conferences in Finland and internationally.
How does the service position itself in the market?
Positions as a customer-centric universal bank specializing in wealth management and digital payments.
Which fiat currencies does the service support?
Supports EUR primarily; domestic payments in Finland.
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency services offered.
Can currencies be converted within the service?
Currency exchange is available for supported fiat currencies.
What exchange rates are used for conversion?
Market rates plus bank margin.
How often are exchange rates updated?
Updated regularly during market hours.
Can exotic currencies be handled?
Limited support mainly to common fiat currencies.
Are there currency restrictions in different countries?
Must comply with international currency regulations and sanctions.
What types of transfers does the service support?
Supports domestic and international transfers, SEPA payments, instant payments.
Can transfers be made between service users?
Yes, peer-to-peer transfers are supported.
Are transfers to bank cards supported?
Card payments and transfers supported.
Is bill payment available?
Yes, via online and mobile banking.
Are group payments supported?
Not specifically confirmed.
Can payment links be created?
Not specifically confirmed.
What are the minimum transaction amounts in the service?
Varies by service and regulatory framework.
What are the maximum amounts that can be transferred?
Subject to account type and verification status.
Are there daily limits on operations?
Limits exist per regulatory and security policies.
What monthly and annual limits are in effect?
Varies with customer profile and account category.
Can limits be increased? How?
Customers may request increases with additional verification.
Do limits differ for verified users?
Yes, verified users have higher limits.
Are there restrictions for new accounts?
Yes, temporary restrictions until verification.
Do special limits apply in different countries?
Service is mainly domestic; no special international limits noted.
Can operations be temporarily blocked?
Yes, for compliance or security reasons.
Are there limits on the number of daily operations?
Yes, per bank policy.
What are the minimum amounts for account funding?
Varies per method.
What methods of funding are supported?
Bank transfers, card payments, cash deposits at branches.
Are there fees for funding?
Fees vary by method.
What are the minimum funding amounts?
Depends on funding method.
How quickly are funds credited when funding?
Credit is usually immediate or same business day.
How can money be withdrawn from the system?
ATM withdrawals, bank transfers, branch cash withdrawal.
Are there fees for fund withdrawal?
Fees may apply depending on method.
How long does withdrawal take?
Immediate for ATMs, 1-3 business days for transfers.
What withdrawal limits are set?
Limits depend on account type and transaction type.
How quickly are funds credited when funding with a card?
Typically immediate.
How long does a bank transfer take?
1-3 business days.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Transfers within Aktia are instant.
Are there delays when funding on weekends?
Possible delays due to banking hours.
Can crediting be accelerated for a fee?
Sometimes.
What determines the speed of funding processing?
Transfer type, banking hours, cut-off times.
What to do if funding takes too long?
Contact support.
How quickly are withdrawal requests processed?
Same or next business day.
How long does card withdrawal take?
Instant at ATMs.
How quickly do bank transfers arrive?
1-3 business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Can withdrawal be accelerated for an additional fee?
Sometimes.
What determines withdrawal processing time?
Transfer type and banking processes.
Can a withdrawal request be canceled?
If not yet processed.
How to register with the payment service?
Registration by visiting a branch or via online banking with identity verification.
What data is needed to create an account?
Personal ID, proof of address, contact information.
Can registration be done without email?
Email is usually required.
Is phone confirmation required during registration?
Often yes.
Are there age restrictions for registration?
Minimum 18 years.
Can a corporate account be created?
Yes, with business documentation.
Are there country restrictions for registration?
Usually only residents or authorized persons.
How long does account activation take?
Immediate to a few days.
What verification levels exist?
Basic and enhanced verification.
What documents are required for basic verification?
Identity document and proof of address.
Are documents needed for full verification?
Additional documents such as income proof may be required.
How long does the verification procedure take?
A few days.
Can the service be used without verification?
Limited features.
What restrictions apply to unverified users?
Lower limits and restricted services.
Is a selfie with documents required?
Increasingly common.
How often do documents need to be updated?
Typically every few years.
What encryption technologies does the service use?
TLS/SSL and strong cryptographic protocols.
Is biometric authentication supported?
Supported in mobile app.
Is blockchain technology used?
No public use.
How is user personal data protected?
GDPR compliance, encryption, and strict privacy policies.
Is cold storage used for cryptocurrencies?
Not applicable.
What anti-phishing protection measures are provided?
Secure login, alerts, and user education.
How does the service combat money laundering?
Through KYC policies, transaction monitoring.
What to do when fraud is detected?
Contact support immediately.
How to report suspicious activity?
Via support channels.
Is there compensation for damage from fraudsters?
Policies exist subject to conditions.
What user rights exist for disputed transactions?
Rights under Finnish and EU laws.
How to dispute account blocking?
Contact customer service with required documents.
Is there insurance against cyber attacks?
Yes, typical for financial institutions.
What fees does the service charge for transfers?
Fees vary by transfer type and destination.
Are there fees for account funding?
Usually no fees depending on the method.
Are fees charged for fund withdrawal?
May apply.
Are there fees for currency conversion?
Conversion fees apply as per tariff.
Are there fees for account inactivity?
Sometimes.
Are there account maintenance fees?
Yes, depending on account type.
Are fees charged for operation cancellation?
Usually no fees.
Are there fees for expedited operations?
May apply.
Are there hidden fees?
Fees are disclosed per regulatory requirements.
How are fees calculated for large amounts?
Tiered or percentage basis.
Are there different tariff plans in the service?
Multiple plans based on account type and services.
What advantages does VIP status provide?
Personalized service and priority access.
How to get preferential conditions?
Through account status or negotiations.
Are there free operations per month?
Depending on the account.
Are there discounts for active users?
Not common.
Can individual conditions be obtained?
Possible on negotiation.
Do promotional codes work for fee reduction?
Not typical.
Are there cashback programs?
Not common.
Are there discounts for transaction volumes?
Possible for corporate clients.
Is there an official mobile application?
Yes, Aktia Mobile Bank app.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account management, payments, card control, loan applications.
Does functionality differ from the web version?
Web offers full features; mobile app optimized.
Can the application work offline?
Limited features offline.
How often is the mobile application updated?
Regular updates.
Are there beta versions of the application?
No public beta.
Is the web interface of the service convenient?
User-friendly.
In which languages is the interface available?
Finnish, Swedish, English.
Is there a night mode for the website?
Usually yes.
Is there an API for developers?
APIs available for corporate clients.
Is integration with other services supported?
Supports PSD2 and open banking.
How often is the web interface updated?
Periodically.
Is multi-currency account functionality supported?
Available for business clients.
Are mass payouts supported?
Yes for businesses.
How are bonus points earned?
Not applicable.
What privileges do VIP clients have?
Exclusive services and priority support.
Are there seasonal promotions and offers?
Occasionally.
Are there partner discounts?
No public information.
Does the service allow operations with online casinos?
No specific info.
Are there restrictions on gambling transactions?
Standard regulatory restrictions apply.
Can accounts be blocked for casino play?
Possible per policy.
How does the service view gambling?
No explicit stance.
Are casino transactions tracked?
Yes for regulatory purposes.
Is there a self-exclusion function?
Not provided by Aktia.
Can operations with casinos be blocked?
Possible.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
Payment by card and bank transfer accepted widely.
Are there geographic restrictions for casino usage?
Subject to law.
How do casino operators typically process transactions from this method?
Standard card and bank transfers.
Are there typical processing times when used with casinos?
Varies by method.
Do casinos usually charge additional fees for this method?
Depends on casino.