Where can I find the customer support contacts?
Customer support contacts can be found on the "Kontakt oss" page of the official website https://www.bien.no/kontakt-oss.
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What is the hotline phone number?
The main customer service phone number is 915 02 436 for the 24/7 card blocking service.
Is there a toll-free support number?
There is no verified information about a toll-free number specific to Bien Sparebank.
What is the email address for technical support?
No specific technical support email address is publicly listed; general contact is via the main customer contact points.
Are there separate emails for different types of inquiries?
There is no confirmed data on specialized email addresses for different departments.
Where can I find the online chat support?
No verified details are found about online chat support availability on the Bien Sparebank website.
Does the chat support work 24/7?
Not available or verified for Bien Sparebank.
Is there support through messengers (Telegram, WhatsApp)?
No confirmed information about messenger support is available.
What are the support working hours?
General customer support via phone and email is available Monday to Friday from 07:00 to 21:00, and Saturday to Sunday from 09:00 to 21:00.
Does support work on weekends and holidays?
Yes, support works weekends from 09:00 to 21:00, but no separate holiday schedule is specified.
Are there regional offices for in-person visits?
Yes, Bien Sparebank has physical offices where customers can visit by appointment.
Where are the physical offices located?
Specific addresses are not detailed in the search results, but offices are located in Norway.
Can I schedule a personal meeting?
Personal meetings can be booked with advisors through the contact page and customer support.
Are there representatives in different countries?
No verified information about international representative offices is available.
In which languages is support available?
Support is primarily available in Norwegian; no verified multilingual support information found.
How quickly does support respond to requests?
There are no publicly verified exact response times for support requests.
Is there a priority system for VIP clients?
No verified information about VIP client priority support is available.
Can I request a callback?
Callback service availability is not confirmed publicly.
When was the payment service founded?
Bien Sparebank was established in 1853.
Who is the founder and owner of the service?
Founded as a local savings bank in the municipality of Ørland; ownership is primarily regional and local stakeholders.
In which country is the company registered?
Norway.
What is the development history of the payment service?
Began as a regional savings bank in 1853, evolving to offer digital banking, cards, mobile banking, and other modern services.
Have there been major updates or rebranding?
No major rebranding information available; the bank has progressively expanded digital services like Mobile Bank, BankID, and integration with payment platforms.
Who sits on the company's board of directors?
Specific names of board members are not publicly available in the current search results.
Are there investors or partners in the service?
Operates as a regional bank with local ownership; partners include Nets for payment terminals and other Norwegian fintech collaborations.
Does the company participate in stock trading?
Bien Sparebank ASA is publicly traded on the Oslo Stock Exchange under the ticker BIEN.
What is the company's market capitalization?
Market capitalization fluctuates; exact current capitalization needs to be looked up on stock exchange data (not provided here).
Are there subsidiary companies or branches?
The bank operates with branches and local offices; no specific separate subsidiaries listed.
What licenses does the payment service have?
Licensed as a Norwegian savings bank under Norwegian financial regulations.
In which jurisdictions does the service operate officially?
Official operations are in Norway.
Are there licenses for cryptocurrency operations?
No verified licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, Bien Sparebank complies with Norwegian AML and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
No specific certification details publicly listed; typically, Norwegian banks adhere to PCI DSS for card security.
Has the service undergone security audits?
No specific audit reports are publicly available.
Is there insurance for client funds?
Yes, deposits are protected under the Norwegian Banks' Guarantee Fund.
Which international standards does it comply with?
Adheres to European and Norwegian banking standards including PSD2, AML directives, and payment security frameworks.
Have there been any regulatory fines or violations?
No public record of fines or regulatory violations.
Where can I find real reviews about the service?
User reviews may be found on Norwegian financial forums and local consumer review sites.
What are the main user complaints?
Not specifically detailed, but typical complaints for banks include customer service wait times and digital platform usability.
What do users most often praise the service for?
Customers often praise personalized service and local presence.
Are there issues with fund withdrawals?
No specific withdrawal issues reported publicly.
Is the interface convenient according to users?
User interface feedback is not explicitly available.
Are clients satisfied with transaction speed?
Typical transaction speeds for Norwegian banks are satisfactory to users; no specific complaints noted.
Do users recommend this service?
No wide published data on recommendations.
How do experts assess the service's reliability?
Experts consider established Norwegian savings banks like Bien Sparebank reliable due to strong regulation.
Are there industry awards and recognitions?
No public industry awards information found.
Does the service participate in payment system rankings?
Not listed in major payment system rankings.
Are there recommendations from financial regulators?
Bien Sparebank adheres to regulatory guidelines and is supervised by Finanstilsynet.
What reputation does the service have among partners?
Partners consider Bien Sparebank a stable regional bank.
How do they evaluate solution innovation?
The bank integrates modern payment solutions like Mobile Bank, Vipps, and BankID, showing moderate innovation.
Are there quality service certificates?
No specific quality certificates found.
Does the company participate in industry conferences?
No public info on conference participation.
How does the service position itself in the market?
Positioned as a regional Norwegian savings bank offering personalized digital and branch services.
Which fiat currencies does the service support?
Mainly Norwegian Krone (NOK); foreign currency services available.
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency support reported.
Can currencies be converted within the service?
Foreign exchange services available via international payments.
What exchange rates are used for conversion?
Standard market exchange rates applied by the bank and correspondent networks.
How often are exchange rates updated?
Exchange rates are updated regularly during business hours.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
No specific exotic currency handling.
Are there currency restrictions in different countries?
Subject to Norwegian and correspondent bank regulations.
What types of transfers does the service support?
Domestic bank transfers, international SWIFT payments, card payments, mobile payments (Vipps).
Can transfers be made between service users?
Yes, including through Vipps.
Are transfers to bank cards supported?
Not specifically stated.
Can money be transferred to bank accounts?
Yes, through domestic and international transfer systems.
Is bill payment available?
Yes, AvtaleGiro and eFaktura services are supported.
Are recurring payments supported?
Yes, recurring payments via AvtaleGiro.
Can automatic transfers be set up?
Yes, through online banking.
Are group payments supported?
Not specifically detailed.
Can payment links be created?
No known payment link feature.
What are the minimum transaction amounts in the service?
Standard bank minimums apply; specifics not publicly disclosed.
What are the maximum amounts that can be transferred?
Limits depend on account type and verification levels, no public specifics.
Are there daily limits on operations?
Yes, customary banking daily limits.
What monthly and annual limits are in effect?
Customary regulatory and internal bank limits apply.
Can limits be increased? How?
By contacting customer service and upgrading verification.
Do limits differ for verified users?
Verified users typically have higher limits.
Are there restrictions for new accounts?
New accounts may have lower initial limits per regulations.
Do special limits apply in different countries?
Operating primarily in Norway, local rules apply.
Can operations be temporarily blocked?
Yes, for fraud prevention or suspicious activity.
Are there limits on the number of daily operations?
Yes, per service agreement and regulations.
What are the minimum amounts for account funding?
No specific minimums disclosed.
What methods of funding are supported?
Bank transfer, card deposits, and possibly cash at branches.
Are there fees for funding?
Deposits via bank transfer and cards usually free; specifics not detailed.
What are the minimum funding amounts?
Not publicly available.
How quickly are funds credited when funding?
Typically instant for cards and same day or next day for transfers.
How can money be withdrawn from the system?
ATM withdrawals, branch withdrawals, card transactions, bank transfers.
Are there fees for fund withdrawal?
Typical bank fees may apply; specifics unknown.
How long does withdrawal take?
ATM and card withdrawals are instant; bank transfers may take 1-2 business days.
What withdrawal limits are set?
Limits vary by account and verification status.
How quickly are funds credited when funding with a card?
Instant or near-instant.
How long does a bank transfer take?
Domestic transfers typically same day; international transfers 1-3 business days.
How quickly do cryptocurrency transfers arrive?
No crypto transfers supported.
Are transfers between users instant?
Transfers via Vipps are instant.
Are there delays when funding on weekends?
Some delays possible for transfers on weekends.
Do holidays affect funding speed?
Yes, processing may be delayed on holidays.
Can crediting be accelerated for a fee?
No verified express funding service.
What determines the speed of funding processing?
Banking hours, payment method, and intermediary banks.
Are there notifications about funding status?
Yes, notifications via online banking and mobile app.
What to do if funding takes too long?
Contact customer support for investigation.
How quickly are withdrawal requests processed?
Typically within banking hours, 1-2 business days for transfers.
How long does card withdrawal take?
Instant at ATMs or POS terminals.
How quickly do bank transfers arrive?
Usually same day domestically, longer internationally.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Possible delays on weekends.
Can withdrawal be accelerated for an additional fee?
No verified express withdrawal option.
What determines withdrawal processing time?
Bank processing schedules, verification levels, and transfer method.
Are there notifications about withdrawal status?
Yes, via online banking.
Can a withdrawal request be canceled?
Possible if not yet processed; contact support immediately.
How to register with the payment service?
Register online or visit a branch; foreign citizens have a guided process including in-person signing.
What data is needed to create an account?
Identification, Norwegian ID number or passport, address, phone number.
Can registration be done without email?
Email is generally required for communication.
Is phone confirmation required during registration?
Phone confirmation is common for verification purposes.
Are there age restrictions for registration?
Customers must be of legal age (usually 18).
Can a corporate account be created?
Yes, corporate accounts are available.
Is it required to provide real data?
Yes, real and verified identity information is mandatory.
Are there country restrictions for registration?
Must reside in Norway or meet criteria for foreign citizens.
How long does account activation take?
Account opening can take approximately one month after in-person verification.
What verification levels exist?
Basic customer identification and enhanced verification for BankID and higher limits.
What documents are required for basic verification?
Valid ID such as passport or Norwegian ID.
Are documents needed for full verification?
Additional income statements and proof of address may be required.
Are digital copies of documents accepted?
Digital submissions are accepted but final verification includes in-person signing.
How long does the verification procedure take?
Several weeks, depending on customer responsiveness and compliance checks.
Can the service be used without verification?
Limited use possible, but full account functionality requires verification.
What restrictions apply to unverified users?
Lower transaction limits and access limitations.
Is address confirmation required?
Yes, address confirmation is part of KYC.
Is a selfie with documents required?
Not publicly specified.
How often do documents need to be updated?
Typically updated every few years or upon significant changes.
What encryption technologies does the service use?
Industry-standard encryption including TLS for data transmission.
Is two-factor authentication supported?
Yes, BankID provides 2FA.
Are there SMS confirmations for operations?
SMS may be used for alerts and confirmations.
Is biometric authentication supported?
Supported via BankID mobile app and device biometric features.
Is blockchain technology used?
No public information about blockchain usage.
Is there a multi-level security system?
Yes, including encryption, 2FA, fraud monitoring.
How is user personal data protected?
Compliance with GDPR and Norwegian privacy laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks typically employ DDoS protections but not specifically disclosed.
Are regular security audits conducted?
Yes, internal and external audits are standard banking practice.
What anti-phishing protection measures are provided?
Customer education and secure login protocols.
Is there a suspicious activity detection system?
Yes, fraud detection systems monitor transactions.
How does the service combat money laundering?
Through compliance with AML laws, customer verification, and transaction monitoring.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked pending investigation.
What to do when fraud is detected?
Report immediately to bank and follow fraud response procedures.
How to report suspicious activity?
Contact customer support or use designated fraud report channels.
Is there compensation for damage from fraudsters?
Compensation policies comply with Norwegian banking regulations.
What user rights exist for disputed transactions?
Users have rights to dispute under EU and Norwegian financial laws.
How to dispute account blocking?
Contact the bank directly to appeal and provide required documentation.
Is there insurance against cyber attacks?
Banks often carry cyber insurance but no specific disclosure.
What fees does the service charge for transfers?
Fees vary; domestic transfers may be free or low cost; international transfers involve fees.
Are there fees for account funding?
Typically none for standard bank transfers; card funding cost varies.
Are fees charged for fund withdrawal?
Some withdrawal fees may apply depending on method.
Are there fees for currency conversion?
Yes, standard conversion fees apply.
Are there fees for account inactivity?
No public information about inactivity fees.
Are there account maintenance fees?
Possible for certain account types; details not public.
Are fees charged for operation cancellation?
Not typically.
Are there fees for expedited operations?
Not confirmed.
Are there hidden fees?
Transparency is regulated; no known hidden fees.
How are fees calculated for large amounts?
Usually percentage-based or tiered fees for large transactions.
Are there different tariff plans in the service?
Different plans exist based on account type/business needs.
What advantages does VIP status provide?
No public VIP program info.
How to get preferential conditions?
Generally by business volume or relationship status.
Are there free operations per month?
May be part of account plans but not confirmed.
Are there discounts for active users?
No confirmed discount programs.
Are there corporate tariffs?
Yes, corporate accounts have specific tariffs.
Can individual conditions be obtained?
Custom pricing may be available for large clients.
Do promotional codes work for fee reduction?
No information about promo codes.
Are there cashback programs?
No cashback program identified.
Are there discounts for transaction volumes?
Possibly for corporate clients.
Is there an official mobile application?
Yes, Bien Sparebank offers a mobile banking app.
On which platforms is the application available?
Available on iOS and Android.
What functions are available in the mobile application?
Account management, payments, card management, BankID, and transaction history.
Does functionality differ from the web version?
Core banking functions are similar; mobile offers portability advantages.
Is Touch ID/Face ID supported?
Supported through mobile BankID integration.
Can the application work offline?
Limited functionality offline; needs internet for transactions.
Are there push notifications about operations?
Yes, transaction alerts and notifications available.
Is dark theme supported?
No specific info on dark mode.
How often is the mobile application updated?
Regular updates, typical of banking apps.
Are there beta versions of the application?
No public beta program known.
Is the web interface of the service convenient?
The banking website maintains a modern and user-friendly interface.
Is responsive design supported?
Yes, supports mobile responsive design.
In which languages is the interface available?
Norwegian primarily.
Is there a night mode for the website?
Not specified.
Are hotkeys supported?
Not specified.
Can data be exported?
Transaction history export is typically supported.
Is there an API for developers?
No public API information found.
Is integration with other services supported?
Integrates with Nets, BankID, Vipps, Google Pay, Apple Pay.
How often is the web interface updated?
Periodic updates aligned with web security and UX improvements.
Are there virtual cards in the service?
No confirmed virtual card issuance.
Can disposable cards be created?
Not available.
Is multi-currency account functionality supported?
No multi-currency accounts confirmed.
Are there investment products?
Yes, through affiliated services or partner products.
Can interest be earned on balance?
Savings accounts earn interest.
Are there credit products?
Loans and credit cards available.
Can cryptocurrencies be bought/sold?
No such services offered.
Is there acquiring for business?
Yes, merchant payment terminals and acquiring services.
Are mass payouts supported?
Not verified.
How are bonus points earned?
Not applicable.
What privileges do VIP clients have?
Not disclosed.
Are there seasonal promotions and offers?
Not publicly detailed.
Can premium status be obtained?
No info.
Are there corporate loyalty programs?
Not indicated.
Does the service allow operations with online casinos?
Not specified, typically restricted as per regulations.
Are there restrictions on gambling transactions?
Likely restrictions apply due to regulatory compliance.
Can accounts be blocked for casino play?
Possible under banking policy for gambling transactions.
How does the service view gambling?
No public official stance.
Are there special conditions for gambling?
Not available.
Are casino transactions tracked?
Monitored for compliance.
Can access to gambling sites be restricted?
Not applicable.
Can operations with casinos be blocked?
Yes, under compliance and bank policy.
Can help be obtained for gambling addiction?
Not provided directly.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not specified.
Can the method be used for both deposits and withdrawals in casinos?
Not indicated.
Are there geographic restrictions for casino usage?
Subject to Norwegian Law.
How do casino operators typically process transactions from this method?
Via normal card or bank transfer channels.
Are there typical processing times when used with casinos?
Normal bank processing times.
Do casinos usually charge additional fees for this method?
Not indicated.
Are there any known compatibility issues with major casino platforms?
Not reported.