What is the official website of the payment service?
https://www.hipotecario.com.ar
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Where can I find the customer support contacts?
Customer support contacts are listed on the official website under the "Contactanos" section for phone, email, and other communication channels.
What is the hotline phone number?
Main customer service phone numbers are 0810-222-7777 and 0800-666-1009.
Is there a toll-free support number?
Yes, the toll-free number within Argentina is 0800-666-1009.
What is the email address for technical support?
No specific technical support email is listed publicly; general inquiries can be sent to [email protected].
Are there separate emails for different types of inquiries?
Yes, for example, seguros (insurance) queries use [email protected], and user service complaints can be sent to [email protected].
Where can I find the online chat support?
No verified online chat support information for Banco Hipotecario is publicly documented.
Does the chat support work 24/7?
No data available; typically, banks operate chat services during business hours.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support via Telegram or WhatsApp.
What are the support working hours?
Customer support is generally available Monday to Friday from 8:00 AM to 8:00 PM, with some extended hours for specific services.
Does support work on weekends and holidays?
Limited or no regular support on weekends and holidays, except for specific emergency lines like card loss reporting.
Are there regional offices for in-person visits?
Yes, Banco Hipotecario has physical branches and offices in various locations across Argentina.
Where are the physical offices located?
The main office is located at Reconquista 151, Buenos Aires, Argentina; branches exist in major cities but specifics require direct inquiry.
Can I schedule a personal meeting?
Personal meetings can typically be scheduled by contacting the branch or customer service directly.
Are there representatives in different countries?
No verified information about international representative offices; the bank primarily operates in Argentina.
In which languages is support available?
Support is primarily available in Spanish.
How quickly does support respond to requests?
Industry standard for banks is within 24-48 hours via email or phone inquiries, though exact times are not publicly specified.
Is there a priority system for VIP clients?
Likely, as many banks provide priority services to VIP clients, but no specific public data is available.
Can I request a callback?
Callback services are commonly offered in banking, but Banco Hipotecario has no publicly detailed procedure.
When was the payment service founded?
Banco Hipotecario was founded in 1886.
Who is the founder and owner of the service?
The bank was established as a national mortgage bank by the Argentine government; it is currently state-owned.
In which country is the company registered?
Argentina.
What is the development history of the payment service?
Started in 1886 focusing on mortgage lending, expanded services over time to include banking products; major legal frameworks include a foundational law from 1980 defining its charter.
Have there been major updates or rebranding?
No recent major rebranding publicly noted; longstanding institution focused on mortgage and banking.
Who sits on the company's board of directors?
Specific names are not publicly provided in general sources; the board includes government-appointed and banking professionals.
Are there investors or partners in the service?
As a state-owned bank, majority ownership lies with the Argentine government; partnerships may exist but are not widely publicized.
Does the company participate in stock trading?
Banco Hipotecario is not publicly traded on stock exchanges.
What is the company's market capitalization?
Not applicable as the bank is state-owned and not publicly listed.
Are there subsidiary companies or branches?
The bank has multiple regional branches throughout Argentina and related insurance services via Banco Hipotecario Seguros.
What licenses does the payment service have?
Licensed by Argentine financial authorities, regulated under the Central Bank of Argentina.
In which jurisdictions does the service operate officially?
Officially operates within Argentina.
Are there licenses for cryptocurrency operations?
No verified information about cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
Yes, compliance with AML/KYC is mandatory under Argentine law and enforced by regulators.
Are there security certificates (PCI DSS, etc.)?
Specific certificates are not publicly listed; banks generally comply with PCI DSS and ISO security standards.
Has the service undergone security audits?
Standard industry practice mandates regular security audits, but no public audit reports are available.
Is there insurance for client funds?
Deposit insurance programs exist under Argentine regulations, typically through the national system.
Which international standards does it comply with?
Compliance with ISO standards for banking, BCRA regulations, and international payment norms.
Have there been any regulatory fines or violations?
No public record of significant regulatory fines is listed.
Where can I find real reviews about the service?
Reviews can be found on local forums, financial service review websites focused on Argentina, and social media platforms.
What are the main user complaints?
Common complaints often relate to customer service wait times and digital service usability.
What do users most often praise the service for?
Users praise its mortgage product reliability and branch availability.
Are there issues with fund withdrawals?
No widespread specific withdrawal issues reported.
Is the interface convenient according to users?
Interface usability is considered average; some users desire improvements in digital platforms.
Are clients satisfied with transaction speed?
Transaction processing is generally adequate within banking standards.
Do users recommend this service?
Many users recommend for mortgage products but may suggest caution for purely digital banking needs.
How do experts assess the service's reliability?
Experts see Banco Hipotecario as a stable institution within Argentina’s banking sector.
Are there industry awards and recognitions?
No major international awards publicly documented.
Does the service participate in payment system rankings?
Not prominently featured in international payment system rankings.
Are there recommendations from financial regulators?
The bank operates under standard regulatory frameworks; no special endorsements are published.
What reputation does the service have among partners?
It has a solid reputation as a key mortgage lender and partner in Argentina’s housing finance.
How do they evaluate solution innovation?
Innovation is not the main focus; the bank emphasizes traditional services.
Are there quality service certificates?
No publicly listed service quality certifications.
Does the company participate in industry conferences?
Participation in local financial events likely, specifics not widely publicized.
How does the service position itself in the market?
Positioned as Argentina’s leading mortgage bank and a government-backed financial institution.
Which fiat currencies does the service support?
Primarily Argentine Peso (ARS); foreign currencies handled via bank transfer services.
Are cryptocurrencies supported? Which ones specifically?
No official support for cryptocurrencies noted.
Can currencies be converted within the service?
Currency exchange services are available through the bank’s foreign exchange operations.
What exchange rates are used for conversion?
Rates are set based on the official and market foreign exchange rates in Argentina.
How often are exchange rates updated?
Updated regularly according to market fluctuations.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Limited to major currencies; exotic currency support is uncommon.
Are there currency restrictions in different countries?
Argentina has foreign exchange controls affecting some currency transactions.
What types of transfers does the service support?
Supports domestic and international wire transfers, interbank payments, and bill payments.
Can transfers be made between service users?
Yes, internal transfers between accounts are supported.
Are transfers to bank cards supported?
Support varies; card loading or transfer may be possible via associated services.
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts are supported.
Is bill payment available?
Yes, bill payment services are offered.
Are recurring payments supported?
Recurring payment setup is generally supported.
Can automatic transfers be set up?
Yes, customers can automate transfers and payments.
Is payment scheduling available?
Payment scheduling features are typically available.
Are group payments supported?
No confirmed data on group payment functionalities.
Can payment links be created?
No verified information about payment link features.
What are the minimum transaction amounts in the service?
Minimum amounts depend on transaction type and product.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type, verification level, and regulations.
Are there daily limits on operations?
Daily transaction limits are enforced for security and regulatory compliance.
What monthly and annual limits are in effect?
Monthly and annual limits vary depending on client profile and regulatory rules.
Can limits be increased? How?
Limits may be increased via account upgrades and enhanced verification following bank procedures.
Do limits differ for verified users?
Verified users usually have higher transaction limits.
Are there restrictions for new accounts?
New accounts may face initial restrictions or lower limits.
Do special limits apply in different countries?
Limits primarily follow Argentine law; geographic restrictions apply to international transactions.
Can operations be temporarily blocked?
Yes, for security reasons such as suspicious activity or regulatory compliance.
Are there limits on the number of daily operations?
Yes, to prevent fraud and comply with regulations.
What are the minimum amounts for account funding?
Minimum deposits vary by funding method.
What methods of funding are supported?
Funding methods include cash deposits at branches, bank transfers, and card payments.
Are there fees for funding?
Fees depend on method; some deposits may be free, others have charges.
What are the minimum funding amounts?
Minimums depend on funding method and account type.
How quickly are funds credited when funding?
Credit times vary; some deposits are instant, others take 1-3 business days.
How can money be withdrawn from the system?
Withdrawals via ATMs, branch cash withdrawal, bank transfers, and linked card services.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on method used.
How long does withdrawal take?
Withdrawal processing times vary from immediate at ATMs to several days for bank transfers.
What withdrawal limits are set?
Withdrawal limits depend on account type and verification status.
How quickly are funds credited when funding with a card?
Card deposits may reflect instantly or within hours, depending on processor.
How long does a bank transfer take?
Domestic transfers typically 1 business day; international can take multiple days.
How quickly do cryptocurrency transfers arrive?
Not applicable as bank does not support crypto transfers.
Are transfers between users instant?
Internal transfers are generally processed quickly, often instantly.
Are there delays when funding on weekends?
Weekend funding typically delayed until next business day.
Do holidays affect funding speed?
Yes, bank holidays delay processing times.
Can crediting be accelerated for a fee?
Some express services may be offered for a fee.
What determines the speed of funding processing?
Mode of transfer, bank processing times, intermediaries, and compliance checks affect speed.
Are there notifications about funding status?
Yes, notifications are typical via SMS, email, or mobile app.
What to do if funding takes too long?
Contact customer support for investigation and resolution.
How quickly are withdrawal requests processed?
Withdrawal requests usually processed within 1-3 business days.
How long does card withdrawal take?
Card withdrawals at ATMs are usually immediate.
How quickly do bank transfers arrive?
Domestic receipts are often next day; international vary.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends usually process on next business day.
Do holidays affect withdrawal speed?
Yes, withdrawals delay during holidays.
Can withdrawal be accelerated for an additional fee?
Some accelerated withdrawal options may be available at additional cost.
What determines withdrawal processing time?
Verification, compliance reviews, and banking hours.
Are there notifications about withdrawal status?
Clients receive alerts or messages for withdrawal progress.
Can a withdrawal request be canceled?
Cancellation possible before processing but subject to bank policy.
How to register with the payment service?
Registration typically requires visiting branch or online portal, providing personal identification and completing KYC.
What data is needed to create an account?
Personal ID, tax ID (CUIT), proof of address, and contact details.
Can registration be done without email?
Generally, email is required for digital communication.
Is phone confirmation required during registration?
Phone verification is common as part of identity verification.
Are there age restrictions for registration?
Minimum age is typically 18 years.
Can a corporate account be created?
Yes, Banco Hipotecario offers business accounts.
Is it required to provide real data?
Yes, regulatory compliance requires valid and authentic data.
Are there country restrictions for registration?
Registration is generally limited to residents or citizens of Argentina.
How long does account activation take?
Account activation usually takes a few business days post verification.
What verification levels exist?
Basic and advanced verification levels depending on services used.
What documents are required for basic verification?
National ID, proof of address.
Are documents needed for full verification?
Additional income proof and tax documents may be required.
Are digital copies of documents accepted?
Yes, digital document submission is usually allowed.
How long does the verification procedure take?
Verification can take 1-5 business days.
Can the service be used without verification?
Limited services available; most require full verification to access.
What restrictions apply to unverified users?
Lower transaction limits and restricted access to financial products.
Is address confirmation required?
Yes, address verification is required by regulation.
Is a selfie with documents required?
Increasingly common for enhanced identity verification.
How often do documents need to be updated?
Typically every 1-2 years or upon major changes.
What encryption technologies does the service use?
Banks use SSL/TLS encryption for data in transit and strong encryption standards for stored data.
Is two-factor authentication supported?
Likely supported for digital account access.
Are there SMS confirmations for operations?
SMS confirmations for transactions are standard.
Is biometric authentication supported?
May be supported in mobile app for user login.
Is blockchain technology used?
No public information about blockchain usage.
Is there a multi-level security system?
Banks employ layered security including encryption, authentication, monitoring.
How is user personal data protected?
Compliant with data privacy laws, encrypted storage, and controlled access.
Is cold storage used for cryptocurrencies?
Not applicable, no crypto custody.
Is there DDoS attack protection?
Banks typically implement DDoS mitigation solutions.
Are regular security audits conducted?
Routine security audits are standard practice.
What anti-phishing protection measures are provided?
Awareness campaigns, secure login, and fraud detection tools.
Is there a suspicious activity detection system?
Yes, AML systems monitor transactions for suspicious behavior.
How does the service combat money laundering?
Uses KYC, transaction monitoring, and regulatory reporting.
Is there blocking of suspicious accounts?
Suspected fraudulent accounts are blocked following investigation.
What to do when fraud is detected?
Notify bank immediately and follow their fraud reporting procedures.
How to report suspicious activity?
Contact bank's fraud department via phone or email.
Is there compensation for damage from fraudsters?
Compensation policies vary; many banks protect clients under specific terms.
What user rights exist for disputed transactions?
Users can file dispute claims and investigations are conducted.
How to dispute account blocking?
File a complaint through customer service or regulatory channels.
Is there insurance against cyber attacks?
Banks often have cyber insurance but details are not public.
What fees does the service charge for transfers?
Fees depend on transfer type and destination; domestic usually lower than international.
Are there fees for account funding?
Generally low or no fees for common funding methods.
Are fees charged for fund withdrawal?
Withdrawal fees may apply, varying by method.
Are there fees for currency conversion?
Conversion fees typically charged through spread and commission.
Are there fees for account inactivity?
Some banks charge inactivity fees, specifics for Banco Hipotecario not publicly detailed.
Are there account maintenance fees?
Maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Cancellation fees may apply for certain operations.
Are there fees for expedited operations?
Express processing fees may be charged for faster services.
Are there hidden fees?
Banks are required to disclose fees, hidden fees may occur but are against regulations.
How are fees calculated for large amounts?
Often a percentage or tiered fee scale.
Are there different tariff plans in the service?
Different account types may have varying fee structures.
What advantages does VIP status provide?
VIP clients usually receive personalized service and fee discounts.
How to get preferential conditions?
Through premium accounts or negotiation with the bank.
Are there free operations per month?
Usually some free transactions included depending on account type.
Are there discounts for active users?
Discounts may be available for high activity clients.
Are there corporate tariffs?
Yes, corporate accounts have different fee plans.
Can individual conditions be obtained?
Some clients may negotiate special terms.
Do promotional codes work for fee reduction?
No verified information about promo codes.
Are there cashback programs?
No public information on cashback programs.
Are there discounts for transaction volumes?
Volume discounts are common in banking services.
Is there an official mobile application?
Yes, Banco Hipotecario offers a mobile banking app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Account management, transfers, bill payments, loan information, and notifications.
Does functionality differ from the web version?
Mobile app usually optimized for essential banking features.
Is Touch ID/Face ID supported?
Biometric login is likely supported in the app.
Can the application work offline?
No, internet connection required for most functions.
Are there push notifications about operations?
Push notifications for transactions and alerts are available.
Is dark theme supported?
No verified information on dark mode.
How often is the mobile application updated?
Regular updates for security and features, frequency varies.
Are there beta versions of the application?
Beta versions may be available through app stores.
Is the web interface of the service convenient?
The web interface is functional but may benefit from usability improvements.
Is responsive design supported?
Web platform is generally mobile-responsive.
In which languages is the interface available?
Primarily Spanish.
Is there a night mode for the website?
No confirmed night mode for website.
Are hotkeys supported?
No indication of hotkey support.
Can data be exported?
Exporting statements and transaction histories is generally supported.
Is there an API for developers?
No public API available.
Is integration with other services supported?
Integrations are limited to usual banking systems.
How often is the web interface updated?
Updated periodically as required.
Are there virtual cards in the service?
No public information on virtual card issuance.
Can disposable cards be created?
Not publicly supported.
Is multi-currency account functionality supported?
No multi-currency account support noted.
Are there investment products?
Banco Hipotecario offers some investment products and savings accounts.
Can interest be earned on balance?
Interest-bearing accounts are available.
Are there credit products?
Yes, mortgage loans, personal loans, and credit cards.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
Yes, merchant acquiring services exist.
Are mass payouts supported?
No verified information on mass payouts.
Is there a loyalty program in the service?
No public loyalty program details.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No information about cashback.
Are there referral programs?
No current information on referral incentives.
What privileges do VIP clients have?
VIP clients likely get priority customer support and fee waivers.
Are there seasonal promotions and offers?
Seasonal promotions may occur but not regularly advertised.
Can premium status be obtained?
Premium service is typically available on request or invitation.
Are there partner discounts?
Partner discounts are not broadly publicized.
Are there corporate loyalty programs?
Not indicated.
Does the service allow operations with online casinos?
No publicly stated support for online casino transactions is noted.
Are there restrictions on gambling transactions?
Argentine banks commonly restrict gambling transactions in compliance with regulation.
Can accounts be blocked for casino play?
Potentially, as part of regulatory compliance policies.
How does the service view gambling?
Likely to follow national regulations; cautious stance on gambling transactions.
Are there special conditions for gambling?
No public information available.
Are casino transactions tracked?
Transactions are monitored for compliance.
Are there notifications about gambling expenses?
No specific gambling expense notifications.
Can limits be set on gambling?
Not officially available.
Is there a self-exclusion function?
Not publicly available.
Can access to gambling sites be restricted?
Likely not a bank service.
Are there notifications about limit exceedance?
Not indicated.
Can operations with casinos be blocked?
Likely blocked if mandated by regulation.
Can help be obtained for gambling addiction?
Not provided by the bank.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not publicly documented.
Can the method be used for both deposits and withdrawals in casinos?
Not indicated.
Are there geographic restrictions for casino usage?
Argentina-wide regulatory restrictions apply.
How do casino operators typically process transactions from this method?
As regular bank transfers, subject to bank and regulatory controls.
Are there typical processing times when used with casinos?
Equivalent to standard transfer times.
Do casinos usually charge additional fees for this method?
No known additional fees.
Are there any known compatibility issues with major casino platforms?
No publicly reported issues.