What is the official website of the payment service?
The official website of Cambridge & Counties Bank is https://ccbank.co.uk
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Where can I find the customer support contacts?
Customer support contacts are available on the Cambridge & Counties Bank website under the “Get in touch” page and “Help centre” sections.
What is the hotline phone number?
The main customer service phone number is 0344 225 3939.
Is there a toll-free support number?
There is no specific mention of a toll-free support number; the main contact number (0344) is a non-geographic UK number which may incur local call charges.
What is the email address for technical support?
The technical support email is not specifically listed; general customer support email is [email protected], and savings-related inquiries can be sent to [email protected].
Are there separate emails for different types of inquiries?
Yes, there are separate emails such as [email protected] for savings and other inquiries handled via [email protected].
Where can I find the online chat support?
There is no public indication that Cambridge & Counties Bank offers online chat support on their website.
Does the chat support work 24/7?
Not applicable as chat support does not appear to be offered.
Is there support through messengers (Telegram, WhatsApp)?
There is no information available about support via Telegram, WhatsApp, or other messaging platforms.
What are the support working hours?
Customer support is available Monday to Friday, 9am to 5pm, excluding UK bank holidays.
Does support work on weekends and holidays?
No, support does not work on weekends or bank holidays.
Are there regional offices for in-person visits?
Yes, besides their head office, there are satellite offices in cities including Birmingham, Sheffield, Reading, and Manchester.
Can I schedule a personal meeting?
While not explicitly stated, personal meetings are likely by appointment through relationship managers, especially for lending and asset finance services.
Are there representatives in different countries?
The bank operates primarily in the UK with no noted international representatives.
In which languages is support available?
Support is available in English.
How quickly does support respond to requests?
Response times vary by channel; phone support is immediate during hours, email replies are typically within one business day.
Is there a priority system for VIP clients?
There is no publicly available detailed information about VIP client priority support.
Can I request a callback?
Callback services are not specifically mentioned; customers generally contact the bank via phone or secure messages.
When was the payment service founded?
Cambridge & Counties Bank was founded in June 2012.
Who is the founder and owner of the service?
The bank is jointly owned by Trinity Hall, Cambridge University, and the Cambridgeshire Local Government Pension Scheme.
In which country is the company registered?
It is registered in the United Kingdom.
What is the development history of the payment service?
Since its launch in 2012, it has grown steadily specializing in property finance, asset finance, and savings for SMEs with a focus on traditional banking combined with modern services.
Have there been major updates or rebranding?
No significant rebranding reported; recent updates include digital transformation initiatives and financial crime solutions.
Who sits on the company's board of directors?
Public documents include senior executives like CEO Donald Kerr; precise board membership details are not fully disclosed publicly.
Are there investors or partners in the service?
Investors are Trinity Hall and Cambridgeshire Local Government Pension Scheme; partners include technology providers like ieDigital.
Does the company participate in stock trading?
Cambridge & Counties Bank is a private limited company and not publicly traded.
What is the company's market capitalization?
As a private company, market capitalization data is not publicly available.
Are there subsidiary companies or branches?
The bank does not have subsidiaries; it operates satellite offices as branches.
What licenses does the payment service have?
It has a full banking license issued by the Prudential Regulation Authority and is regulated by the FCA and PRA.
In which jurisdictions does the service operate officially?
The service operates officially across the United Kingdom.
Are there licenses for cryptocurrency operations?
There is no specific information on cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
Yes, the bank complies fully with AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations as a regulated UK bank.
Are there security certificates (PCI DSS, etc.)?
It uses industry-standard security certifications and compliance, but specific certificates such as PCI DSS are not explicitly listed publicly.
Has the service undergone security audits?
The bank undertakes regular security audits and uses advanced financial crime detection solutions.
Is there insurance for client funds?
Client deposits are protected under the UK Financial Services Compensation Scheme (FSCS).
Which international standards does it comply with?
Compliance includes FCA, PRA regulations, FSCS protection, and recognized lending practice standards.
Have there been any regulatory fines or violations?
No publicly known regulatory fines or violations.
Where can I find real reviews about the service?
User reviews are available on Trustpilot and other consumer finance review websites.
What are the main user complaints?
Some users cite occasional lengthy application processes and lack of detailed explanations for declined applications.
What do users most often praise the service for?
Users praise personalized customer service, competitive interest rates, and knowledgeable staff.
Are there issues with fund withdrawals?
No widespread reports of withdrawal issues.
Is the interface convenient according to users?
The web-based interface is considered straightforward though limited compared to larger banks.
Are clients satisfied with transaction speed?
Transaction processing times are viewed as standard for UK banking services.
Do users recommend this service?
Many users recommend the bank especially for SME savings and lending products.
How do experts assess the service's reliability?
Experts consider the bank stable and trustworthy with a solid regulatory standing.
Are there industry awards and recognitions?
The bank has achieved registration under lending practice standards but no major awards documented.
Does the service participate in payment system rankings?
No public participation in major payment system rankings noted.
Are there recommendations from financial regulators?
No special endorsements are public beyond standard FCA and PRA regulatory compliance.
What reputation does the service have among partners?
The bank is respected among financial partners and introducers for its niche SME focus.
How do they evaluate solution innovation?
Innovation is recognized in digital transformation and financial crime prevention initiatives.
Are there quality service certificates?
The bank complies with recognized financial service and lending standards.
Does the company participate in industry conferences?
The bank and its partners engage in industry conferences and fintech events.
How does the service position itself in the market?
It positions itself as a specialist lender and savings provider for SMEs combining traditional service with selective digital innovation.
Which fiat currencies does the service support?
The service transacts in GBP (British Pounds) only.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrency services are not supported.
Is there a proprietary cryptocurrency or token?
No proprietary crypto or tokens exist.
Can currencies be converted within the service?
Currency conversion services are not provided.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are stablecoins supported?
Not supported.
Can exotic currencies be handled?
Not supported.
Are there currency restrictions in different countries?
Only GBP transactions domestically supported; geographic restrictions apply accordingly.
What types of transfers does the service support?
Supports electronic bank transfers (Faster Payments, CHAPS), direct debits, and standing orders.
Can transfers be made between service users?
Transfers between Cambridge & Counties Bank customers are supported via internal clearing.
Are transfers to bank cards supported?
Transfers directly to bank cards are not standard; payments via bank account transfers.
Can money be transferred to bank accounts?
Yes, transfers to UK bank accounts are supported.
Is bill payment available?
Bill payment services are not prominently featured; customers use standard banking transfer methods.
Are recurring payments supported?
Recurring payments and standing orders are supported.
Can automatic transfers be set up?
Automatic transfers can be configured via standing order instructions.
Is payment scheduling available?
Payment scheduling is available through standing order setup.
Are group payments supported?
Group payment or payment splitting features are not specified.
Can payment links be created?
Payment link creation is not supported as a service feature.
What are the minimum transaction amounts in the service?
Minimums vary by product; generally no explicit low minimum set for transfers beyond banking network limits.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on account type and regulatory caps; details are communicated upon account setup.
Are there daily limits on operations?
Daily transaction limits apply as per FCA banking guidelines; specifics depend on account agreements.
What monthly and annual limits are in effect?
Aggregate transaction limits per regulatory requirements exist, with higher limits for verified customers.
Can limits be increased? How?
Limits can be increased through upgraded verification and relationship manager approval.
Do limits differ for verified users?
Yes, verified users have higher transaction and transfer limits.
Are there restrictions for new accounts?
New accounts may have initial limits subject to further verification.
Do special limits apply in different countries?
The bank operates solely in the UK, so no cross-country limit variations.
Can operations be temporarily blocked?
Operations can be temporarily blocked for security, compliance, or fraud prevention reasons.
Are there limits on the number of daily operations?
Limits on daily operations are subject to regulatory and bank policy.
What are the minimum amounts for account funding?
No minimum deposit mentioned for savings accounts; varies by account type.
What methods of funding are supported?
Account funding via bank transfers, Faster Payments, and CHAPS are supported.
Are there fees for funding?
Typically no fees for receiving funds by bank transfer.
What are the minimum funding amounts?
Minimum deposit requirements depend on account type; often set in product terms.
How quickly are funds credited when funding?
Funds via Faster Payments are usually credited same-day or instantly during business hours.
How can money be withdrawn from the system?
Withdrawals can be made by electronic transfer to UK bank accounts.
Are there fees for fund withdrawal?
Withdrawal fees are generally not charged for standard electronic transfers.
How long does withdrawal take?
Withdrawals typically take 1-2 business days depending on method.
What withdrawal limits are set?
Limits align with account agreement and regulatory standards.
How quickly are funds credited when funding with a card?
Card funding is not a supported method.
How long does a bank transfer take?
Bank transfers typically occur same-day with Faster Payments or up to 3 days for other methods.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported.
Are transfers between users instant?
Internal transfers within the bank are processed promptly, often instantly.
Are there delays when funding on weekends?
Weekend funding may be delayed as payments are processed on next business day.
Do holidays affect funding speed?
Public holidays delay fund processing and crediting.
Can crediting be accelerated for a fee?
Express processing may be available for CHAPS but not explicitly detailed.
What determines the speed of funding processing?
Processing speed depends on payment method, time of day, and banking network rules.
Are there notifications about funding status?
Customers receive confirmation via account statements and online service alerts.
What to do if funding takes too long?
Contact customer service immediately; delays may relate to banking system or compliance checks.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within 1-2 business days.
How long does card withdrawal take?
Card withdrawal is not applicable.
How quickly do bank transfers arrive?
Bank transfers usually arrive same-day or within 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends are processed next business day.
Do holidays affect withdrawal speed?
Yes, holidays extend processing times for withdrawals.
Can withdrawal be accelerated for an additional fee?
Not specifically stated.
What determines withdrawal processing time?
Method, time of request, compliance checks, and banking hours.
Are there notifications about withdrawal status?
Withdrawal status is accessible through online banking or customer service.
Can a withdrawal request be canceled?
Cancellation depends on processing stage and bank policies; usually before payment execution.
How to register with the payment service?
Registration is performed online or via post by submitting application forms and identification documents.
What data is needed to create an account?
Required data includes personal identification, proof of address, contact details, and business information for SME accounts.
Can registration be done without email?
Email is generally required for communication and account confirmation.
Is phone confirmation required during registration?
Phone verification may be part of identity verification.
Are there age restrictions for registration?
Customers must meet minimum legal age requirements (18+) to open accounts.
Can a corporate account be created?
Yes, corporate and business accounts are supported.
Is it required to provide real data?
Real and verified identity data is mandatory for compliance with AML/KYC regulations.
Are there country restrictions for registration?
Registration is restricted to UK residents/businesses.
How long does account activation take?
Account activation times vary, typically several business days after submitting all required documentation.
What verification levels exist?
Basic and enhanced verification levels exist based on customer type and product.
What documents are required for basic verification?
Proof of identity and proof of address documents.
Are documents needed for full verification?
Yes, detailed business documentation and additional verifications for enhanced levels.
Are digital copies of documents accepted?
Yes, digital document submission is supported.
How long does the verification procedure take?
Verification usually takes 1-5 business days depending on documentation and checks.
Can the service be used without verification?
Some limited service access may be available, but full functionality requires verification.
What restrictions apply to unverified users?
Unverified users face transaction limits and restricted access.
Is address confirmation required?
Yes, address verification is part of compliance.
Is a selfie with documents required?
Possibly required as part of identity verification for enhanced checks.
How often do documents need to be updated?
Documents may need updating if expired or upon periodic compliance reviews.
What encryption technologies does the service use?
The bank uses standard HTTPS encryption and advanced financial IT security protocols.
Is two-factor authentication supported?
2FA is available for online account access and important transactions.
Are there SMS confirmations for operations?
SMS confirmations may be used for transaction alerts.
Is biometric authentication supported?
Biometric authentication use is not explicitly stated.
Is blockchain technology used?
No indication of blockchain usage.
Is there a multi-level security system?
The bank employs multi-level security and fraud prevention measures.
How is user personal data protected?
Personal data is protected under UK data protection laws and bank-specific privacy measures.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard DDoS protection systems are likely used to safeguard online services.
Are regular security audits conducted?
Yes, regular security audits are performed.
What anti-phishing protection measures are provided?
The bank educates customers and employs filtering and alert technologies.
Is there a suspicious activity detection system?
Continuous fraud and suspicious activity monitoring systems are in place.
How does the service combat money laundering?
AML policies, transaction monitoring, customer due diligence, and regulatory reporting are deployed.
Is there blocking of suspicious accounts?
Accounts involved in suspicious activities are blocked or restricted.
What to do when fraud is detected?
Customers should immediately contact the bank's fraud team.
How to report suspicious activity?
Via customer support channels or dedicated fraud reporting services.
Is there compensation for damage from fraudsters?
The bank follows FSCS compensation rules and fraud protection policies.
What user rights exist for disputed transactions?
Users have rights under FCA and UK consumer protection rules to dispute transactions.
How to dispute account blocking?
Contact the bank’s customer service and escalate as needed through formal complaints processes.
Is there insurance against cyber attacks?
The bank likely has cyber insurance though specifics are not publicly disclosed.
What fees does the service charge for transfers?
Transfer fees vary and are generally low or absent for standard electronic transfers.
Are there fees for account funding?
Usually no fees for deposits by bank transfer.
Are fees charged for fund withdrawal?
Withdrawals are typically free but specific product terms may vary.
Are there fees for currency conversion?
Currency conversion is generally not offered.
Are there fees for account inactivity?
Inactivity fees are not commonly applied.
Are there account maintenance fees?
Some business accounts may have maintenance fees; details depend on product.
Are fees charged for operation cancellation?
Operation cancellation fees are not standard.
Are there fees for expedited operations?
Expedited service fees are not explicitly stated.
Are there hidden fees?
Fees are transparently communicated in product literature.
How are fees calculated for large amounts?
Large transactions may have bespoke arrangements.
Are there different tariff plans in the service?
Tariff plans exist based on product and account type.
What advantages does VIP status provide?
VIP status and benefits are not publicly detailed.
How to get preferential conditions?
Preferential conditions may be negotiated based on relationship size.
Are there free operations per month?
Free operation allowances may exist depending on product.
Are there discounts for active users?
No public information on discounts for activity.
Are there corporate tariffs?
Corporate and SME customers have tailored pricing.
Can individual conditions be obtained?
Custom pricing possible for large accounts.
Do promotional codes work for fee reduction?
Promotional codes are not typical.
Are there cashback programs?
Cashback programs are not offered.
Are there discounts for transaction volumes?
Volume discounts for corporate customers may apply.
Is there an official mobile application?
There is no indication of a mobile app as a core service channel.
On which platforms is the application available?
Not applicable.
What functions are available in the mobile application?
Not applicable.
Does functionality differ from the web version?
Not applicable.
Is Touch ID/Face ID supported?
Not applicable.
Can the application work offline?
Not applicable.
Are there push notifications about operations?
Not specified.
Is dark theme supported?
Not specified.
How often is the mobile application updated?
Not applicable.
Are there beta versions of the application?
Not applicable.
Is the web interface of the service convenient?
The web interface is considered simple and functional.
Is responsive design supported?
The website appears to be mobile responsive.
In which languages is the interface available?
English only.
Is there a night mode for the website?
No night mode.
Are hotkeys supported?
No hotkey support.
Can data be exported?
Users can export statements and reports via online banking.
Is there an API for developers?
No public API for integration is announced.
Is integration with other services supported?
Some integration through intermediaries and introducers.
How often is the web interface updated?
Updates are generally occasional aligned with service enhancements.
Are there virtual cards in the service?
Virtual card issuance is not offered.
Can disposable cards be created?
Disposable cards are not available.
Is multi-currency account functionality supported?
No multi-currency accounts.
Are there investment products?
No direct investment products offered.
Can interest be earned on balance?
Interest is earned on savings accounts and fixed bonds.
Are there credit products?
The bank offers property, asset, and classic car finance credit.
Is P2P trading supported?
Not offered.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
No merchant acquiring services indicated.
Are mass payouts supported?
Bulk payments are not a primary service.
Is there a loyalty program in the service?
No loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback.
Are there referral programs?
No public referral program.
What privileges do VIP clients have?
VIP client privileges not detailed.
Are there seasonal promotions and offers?
Promotions occur but not broadly advertised.
Can premium status be obtained?
No premium account status.
Are there partner discounts?
Partner discounts not specified.
Are there corporate loyalty programs?
Not advertised.
Does the service allow operations with online casinos?
No special support or restrictions publicly noted.
Are there restrictions on gambling transactions?
Standard banking regulations apply.
Can accounts be blocked for casino play?
Accounts may be blocked for regulatory or risk reasons.
How does the service view gambling?
Follows regulatory stance; risk-based approach.
Are there special conditions for gambling?
No special terms publicly stated.
Are casino transactions tracked?
Transactions are monitored for fraud.
Can operations with gambling sites be hidden?
No transaction privacy for gambling.
Are there notifications about gambling expenses?
No specific gambling notifications.
Are there special fees for gambling operations?
No disclosed fees.
Can limits be set on gambling?
No specific gambling limits.
Is there a self-exclusion function?
Bank supports responsible banking policies.
Can access to gambling sites be restricted?
Not a banking service function.
Is gambling expense control supported?
No specific tools.
Are there notifications about limit exceedance?
No specific alerts.
Can operations with casinos be blocked?
Blocking possible via risk controls.
Is a "cooling-off period" supported?
Not applicable.
Can help be obtained for gambling addiction?
Bank signposts to support resources.
Is there partnership with player assistance organizations?
No direct partnership noted.
How to set up gambling expense notifications?
No such service provided.
Which online casinos accept this payment method?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Not applicable.
Are there geographic restrictions for casino usage?
UK jurisdiction applies.
How do casino operators typically process transactions from this method?
Not applicable.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
No information.
Are there any known compatibility issues with major casino platforms?
No information.