What is the official website of the payment service?
The official website of Eurajoen Säästöpankki's related services is https://www.saastopankki.fi/en/ reflecting the Savings Banks Group in Finland, which includes Eurajoen Säästöpankki services.
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Where can I find the customer support contacts?
Customer support contacts can be found on the Savings Banks Group website under the customer service section, with phone numbers and other contact details clearly listed.
What is the hotline phone number?
The main customer service phone number for the Savings Banks including Eurajoen Säästöpankki is 0100 5252 for domestic calls, and +358 10 773 6777 for international callers.
Is there a toll-free support number?
There is no verified specific toll-free support number available publicly for Eurajoen Säästöpankki; typical local and international phone numbers apply.
What is the email address for technical support?
No specific technical support email address for Eurajoen Säästöpankki payment services is publicly listed.
Are there separate emails for different types of inquiries?
Typically, banks use different contact channels or forms for various inquiries like loans, payments, and technical support, but no specific emails are publicly provided for Eurajoen Säästöpankki.
Where can I find the online chat support?
Online chat support availability is generally provided on the Savings Banks Group website; however, no dedicated chat URL or feature is specifically listed for Eurajoen Säästöpankki.
Does the chat support work 24/7?
There is no verified information that chat support operates 24/7 for Eurajoen Säästöpankki or its parent Savings Banks Group.
Is there support through messengers (Telegram, WhatsApp)?
No confirmed support through Telegram, WhatsApp, or similar messengers is publicly available.
What are the support working hours?
Customer service is available Monday to Friday from 10:00 AM to 4:00 PM local Finnish time.
Does support work on weekends and holidays?
Customer support does not operate on weekends and national holidays.
Are there regional offices for in-person visits?
Yes, Eurajoen Säästöpankki maintains regional offices and branches for in-person visits.
Where are the physical offices located?
The main office address is Kirkkotie 6, 27100 Eurajoki, Finland; there are also branches in nearby towns including Rauma.
Can I schedule a personal meeting?
Personal meetings can typically be scheduled by contacting customer service in advance, based on standard banking procedures.
Are there representatives in different countries?
Eurajoen Säästöpankki operates primarily within Finland and does not have known international representative offices.
In which languages is support available?
Official customer service is provided in Finnish and Swedish, with some assistance available in English.
How quickly does support respond to requests?
Average response times for phone support are within the same business day, while email responses may take longer.
Is there a priority system for VIP clients?
There is no publicly available information on a specialized VIP priority support system.
Can I request a callback?
Callback services are generally available in Finnish banks upon request via phone or online banking portals.
When was the payment service founded?
Eurajoen Säästöpankki was founded as a local savings bank in Finland, with establishment dating back several decades, typical for Finnish regional savings banks.
Who is the founder and owner of the service?
The bank is regionally owned and operated as part of the Finnish Savings Banks Group, owned collectively by local stakeholders.
In which country is the company registered?
Eurajoen Säästöpankki is registered in Finland.
What is the development history of the payment service?
The bank has evolved as part of the Savings Banks system in Finland, undergoing digitization, service expansion, and most recently, a merger process finalized around 2021 with Oma Säästöpankki.
Have there been major updates or rebranding?
The bank’s business was acquired by Oma Savings Bank in December 2021, marking a significant operational integration.
Who sits on the company's board of directors?
Directors include individuals such as Cimmo Juhani Nurmi and other local business professionals, though a complete current list is not publicly detailed.
Are there investors or partners in the service?
The service is part of the Savings Banks Group with strategic partnerships including Sp-Henkivakuutus Oy (insurance) and corporate partners like AXA.
Does the company participate in stock trading?
Eurajoen Säästöpankki itself is not publicly traded; however, Oma Savings Bank Plc, which acquired its business, is a public company.
What is the company's market capitalization?
Market capitalization is reported only for Oma Savings Bank Plc; Eurajoen Säästöpankki does not have an independent market cap.
Are there subsidiary companies or branches?
Eurajoen Säästöpankki operates as part of the Savings Banks amalgamation with branches in local Finnish towns.
What licenses does the payment service have?
The bank holds a Finnish banking license regulated under the Finnish Credit Institutions Act and EU directives.
In which jurisdictions does the service operate officially?
Officially operates within Finland.
Are there licenses for cryptocurrency operations?
No public information indicates Eurajoen Säästöpankki holds cryptocurrency operation licenses.
Does the service comply with AML/KYC requirements?
The bank complies fully with Finnish and EU AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
Are there security certificates (PCI DSS, etc.)?
The bank adheres to industry security standards including PCI DSS for payment card data security.
Has the service undergone security audits?
The bank undergoes regular security audits compliant with Finnish regulatory practices.
Is there insurance for client funds?
Client deposits are protected under Finland’s Deposit Guarantee Scheme up to 100,000 EUR per depositor.
Which international standards does it comply with?
Complies with EU banking regulations, GDPR for data protection, and other international financial compliance standards.
Have there been any regulatory fines or violations?
There is no publicly disclosed history of regulatory fines or major violations.
Where can I find real reviews about the service?
Reviews can be found on local Finnish financial forums, banking review websites, and platforms like Yelp for regional feedback.
What are the main user complaints?
Common banking service complaints typically relate to branch availability, limited international digital service range, and customer service wait times.
What do users most often praise the service for?
Users praise personalized local service, trustworthiness, deposit guarantee, and integration into the wider Savings Banks digital network.
Are there issues with fund withdrawals?
No significant withdrawal issues reported publicly.
Is the interface convenient according to users?
The online banking interface is generally considered user-friendly, with regular updates improving usability.
Are clients satisfied with transaction speed?
Transaction speeds for SEPA payments and online transfers are generally satisfactory to users.
Do users recommend this service?
The majority recommend it for regional banking needs due to personalized service.
How do experts assess the service's reliability?
Experts consider it a stable regional bank with robust regulatory compliance and sound financial backing.
Are there industry awards and recognitions?
No specific industry awards publicly noted.
Does the service participate in payment system rankings?
The bank is part of larger group networks but not individually ranked.
Are there recommendations from financial regulators?
Regulator communication shows compliance without special endorsements.
What reputation does the service have among partners?
Positive reputation locally and within the Savings Banks Group for cooperation and shared services.
How do they evaluate solution innovation?
Innovation is ongoing primarily through group digital initiatives rather than stand-alone breakthroughs.
Are there quality service certificates?
The bank complies with required quality and information security standards customary in Finnish banking.
Does the company participate in industry conferences?
Participation occurs mainly through the Savings Banks Group with broader Finnish banking events.
How does the service position itself in the market?
Positioned as a trusted regional savings bank with personal service complemented by modern digital solutions.
Which fiat currencies does the service support?
Supports euro (EUR) primarily; some foreign currency payments available including USD, GBP, SEK, NOK, among others via group services.
Are cryptocurrencies supported? Which ones specifically?
No direct cryptocurrency support offered by Eurajoen Säästöpankki.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token is issued.
Can currencies be converted within the service?
Currency conversion available for major currencies through foreign payment services in the parent group.
What exchange rates are used for conversion?
Exchange rates are based on market rates updated regularly in online banking services.
How often are exchange rates updated?
Exchange rates are updated daily in the online banking system.
Are stablecoins supported?
No stablecoin support available.
Can exotic currencies be handled?
Exotic currencies are generally not supported directly.
Are there currency restrictions in different countries?
Currency transaction restrictions comply with Finnish and EU financial regulations.
What types of transfers does the service support?
Supports SEPA payments, domestic transfers, and international wire transfers.
Can transfers be made between service users?
Yes, internal peer-to-peer transfers within the bank and group customers are possible.
Are transfers to bank cards supported?
Transfers directly to bank cards are generally not a service offered.
Can money be transferred to bank accounts?
Yes, transfers to other bank accounts are supported.
Is bill payment available?
Bill payment services are available through online and branch banking.
Are recurring payments supported?
Recurring payment setups are supported via online banking.
Can automatic transfers be set up?
Automatic transfers can be configured for scheduled payments.
Is payment scheduling available?
Payment scheduling features are available online.
Are group payments supported?
Group payments or payment splitting options are not explicitly specified.
Can payment links be created?
Payment link generation is not publicly advertised as a service.
What are the minimum transaction amounts in the service?
Minimum transaction limits vary but typically are low or none for standard digital payments.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on user verification level and bank policy.
Are there daily limits on operations?
Daily transaction limits exist as part of fraud prevention and regulatory compliance.
What monthly and annual limits are in effect?
Monthly and annual limits are imposed according to banking regulations and customer risk profiles.
Can limits be increased? How?
Limits can be increased through customer service upon additional verification and risk review.
Do limits differ for verified users?
Verified users have higher transaction limits compared to unverified or basic accounts.
Are there restrictions for new accounts?
New accounts have initial transaction limits and restrictions until verification is completed.
Do special limits apply in different countries?
Limits comply with country-specific banking regulations and compliance requirements.
Can operations be temporarily blocked?
Operations may be temporarily blocked for security reasons or suspicious activity detection.
Are there limits on the number of daily operations?
Daily operation counts may be limited to avoid fraudulent activity.
What are the minimum amounts for account funding?
Minimum deposit amounts depend on the funding method and account type.
What methods of funding are supported?
Supported methods include bank transfers, cash deposits at branches, and electronic transfers.
Are there fees for funding?
Typically no fees are charged for domestic electronic deposits; fees may apply for cash handling or international deposits.
What are the minimum funding amounts?
Minimum funding thresholds are generally low or minimum account opening balance requirements apply.
How quickly are funds credited when funding?
Domestic bank transfers are usually credited on the same day or the next business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, branch cash withdrawal, or bank transfer.
Are there fees for fund withdrawal?
Withdrawal fees may apply for certain transaction types or amounts, per the fee schedule.
How long does withdrawal take?
Withdrawals via transfer typically take one business day; ATM withdrawals are immediate.
What withdrawal limits are set?
Withdrawal limits depend on account type, verification level, and bank policies.
How quickly are funds credited when funding with a card?
Card funding is mostly not applicable; card payments are for spending rather than account funding.
How long does a bank transfer take?
Domestic bank transfers typically process within the same or next business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported directly.
Are transfers between users instant?
Internal transfers within the bank or Savings Banks Group are typically instant.
Are there delays when funding on weekends?
Funding processing on weekends may be delayed to the next business day.
Do holidays affect funding speed?
National holidays delay transaction processing to the next business day.
Can crediting be accelerated for a fee?
No specific express funding service is publicly documented.
What determines the speed of funding processing?
Processing speed depends on banking network, time of day, and operational hours.
Are there notifications about funding status?
Users receive status notifications via online banking or SMS alerts if set up.
What to do if funding takes too long?
Contact customer service for investigation and resolution if funds are delayed.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within the same or next business day.
How long does card withdrawal take?
Card cash withdrawals at ATMs are immediate.
How quickly do bank transfers arrive?
Bank transfers arrive same or next business day.
Are cryptocurrency withdrawals instant?
Not applicable, no crypto withdrawals.
Are there withdrawal delays on weekends?
Withdrawal processing is generally delayed on weekends until next business day.
Do holidays affect withdrawal speed?
National holidays cause delays in withdrawal processing.
Can withdrawal be accelerated for an additional fee?
No specific express withdrawal option is noted.
What determines withdrawal processing time?
Processing depends on banking system hours, verification, and destination bank.
Are there notifications about withdrawal status?
Withdrawal notifications are available through electronic banking services.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on the transaction status and bank policy; once processed, cancellations may not be possible.
How to register with the payment service?
Registration involves submitting identity information, proof of residence, and completing verification per Finnish banking standards.
What data is needed to create an account?
Personal identification, address, date of birth, and contact details are required.
Can registration be done without email?
Email is typically required for online banking access and correspondence.
Is phone confirmation required during registration?
Phone confirmation or mobile ID is often part of the verification process.
Are there age restrictions for registration?
Minimum age is generally 18 years for full account functionality.
Can a corporate account be created?
Corporate accounts can be created with appropriate business documentation.
Is it required to provide real data?
Real identity and verified data are mandatory under regulatory compliance.
Are there country restrictions for registration?
Registration is restricted to residents of Finland or persons complying with Finnish regulatory requirements.
How long does account activation take?
Activation typically occurs within a few business days after verification.
What verification levels exist?
Banks generally offer basic and enhanced verification levels affecting limits and access.
What documents are required for basic verification?
Passport or national ID and proof of address documents.
Are documents needed for full verification?
Enhanced verification may require additional documentation including income verification.
Are digital copies of documents accepted?
Digital document submission is accepted under current Finnish banking practice.
How long does the verification procedure take?
Verification times vary from same day to several days depending on document review workload.
Can the service be used without verification?
Limited functionality is provided to unverified users, typically with lower transaction limits.
What restrictions apply to unverified users?
Unverified users face strict limits on transfers, payments, and access to certain features.
Is address confirmation required?
Address confirmation is mandatory and verified through official documentation.
Is a selfie with documents required?
Biometric or photo verification may be asked for online account security.
How often do documents need to be updated?
Document updates depend on bank policy and regulatory changes, typically every few years or upon changes.
What encryption technologies does the service use?
The bank uses standard SSL/TLS encryption for data transmission and secure cryptographic protocols.
Is two-factor authentication supported?
2FA is supported and recommended for accessing online banking.
Are there SMS confirmations for operations?
SMS or app-based transaction confirmations are used for payments and security alerts.
Is biometric authentication supported?
Biometric login options may be available in mobile banking apps.
Is blockchain technology used?
There is no public indication of blockchain technology use in Eurajoen Säästöpankki payment services.
Is there a multi-level security system?
Yes, multi-layered security architecture protects accounts and transactions.
How is user personal data protected?
Personal data is protected under GDPR and Finnish data privacy laws with encryption and access controls.
Is cold storage used for cryptocurrencies?
Not applicable, as cryptocurrencies are not directly handled.
Is there DDoS attack protection?
Banks employ DDoS mitigation systems to protect online services.
Are regular security audits conducted?
Regular internal and external security audits are conducted as part of compliance.
What anti-phishing protection measures are provided?
Education and technical security features like secure login procedures help prevent phishing.
Is there a suspicious activity detection system?
Fraud detection systems monitor transaction anomalies and suspicious activities.
How does the service combat money laundering?
AML programs enforce customer due diligence, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts showing suspicious activity may be frozen or blocked pending investigation.
What to do when fraud is detected?
Users should immediately contact support and follow bank instructions for fraud resolution.
How to report suspicious activity?
Reporting channels include customer service phone, website forms, and secure communication.
Is there compensation for damage from fraudsters?
Finnish regulations typically mandate customer protection unless negligence is proven.
What user rights exist for disputed transactions?
Users have the right to dispute unauthorized transactions within regulatory timeframes.
How to dispute account blocking?
Disputes can be initiated by contacting bank customer service and providing supporting evidence.
Is there insurance against cyber attacks?
Banks maintain cyber insurance policies covering potential losses from cyber incidents.
What fees does the service charge for transfers?
Domestic SEPA payments are often low or no fee; international and currency payment fees apply.
Are there fees for account funding?
Funding via regular bank transfers typically has no fee; other methods may incur charges.
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on method and amount.
Are there fees for currency conversion?
Currency conversion fees are charged as a percentage per transaction or fixed fee.
Are there fees for account inactivity?
Inactivity fees may be applied after extended dormancy per bank policy.
Are there account maintenance fees?
Maintenance fees depend on account type; some accounts may have none.
Are fees charged for operation cancellation?
Cancellation fees are generally not charged unless specific conditions apply.
Are there fees for expedited operations?
Expedited payment fees are charged according to the bank’s price list.
Are there hidden fees?
Fees are disclosed in the fee schedule per regulatory transparency rules, with no known hidden fees.
How are fees calculated for large amounts?
Large transaction fees may be tiered or percentage-based.
Are there different tariff plans in the service?
Tariff plans vary by customer segment, account type, and service usage.
What advantages does VIP status provide?
VIP services may include priority support and personalized financial advice.
How to get preferential conditions?
Customers may obtain preferential terms through relationship status or product bundling.
Are there free operations per month?
Some accounts offer free transactions up to a monthly limit.
Are there discounts for active users?
Discounts or fee waivers may be available for high transaction volumes.
Are there corporate tariffs?
Corporate accounts have distinct pricing and service agreements.
Can individual conditions be obtained?
Customized pricing may be negotiated for large clients or special cases.
Do promotional codes work for fee reduction?
No public information on promo codes for fee discounts.
Are there cashback programs?
Cashback or rewards programs are not commonly offered.
Are there discounts for transaction volumes?
Volume-based pricing discounts are standard in corporate banking.
Is there an official mobile application?
Yes, the Savings Banks Group offers a mobile banking app used by Eurajoen Säästöpankki customers.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
Features include account overview, payments, transfers, card management, and alerts.
Does functionality differ from the web version?
Mobile app provides most core functions but may have simplified interfaces compared to web versions.
Is Touch ID/Face ID supported?
Biometric login such as Touch ID and Face ID is supported on compatible devices.
Can the application work offline?
Basic functionality requires internet; offline use is limited.
Are there push notifications about operations?
Push notifications for transactions and alerts are available.
Is dark theme supported?
Dark mode is supported in the mobile app.
How often is the mobile application updated?
Updates are released regularly for security and feature improvements.
Are there beta versions of the application?
Beta versions may be available through app stores or direct programs.
Is the web interface of the service convenient?
The website is user-friendly with modern design and accessibility.
Is responsive design supported?
The web interface supports responsive design for use on various devices.
In which languages is the interface available?
The interface is available in Finnish, Swedish, and English.
Is there a night mode for the website?
Night mode is available as part of the website’s accessibility features.
Are hotkeys supported?
There is no public information about hotkey support.
Can data be exported?
Users can export account statements and transaction history in common formats like PDF and CSV.
Is there an API for developers?
No publicly available API for third-party developers specific to Eurajoen Säästöpankki.
Is integration with other services supported?
Integration through open banking APIs is supported in the broader Savings Banks network.
How often is the web interface updated?
The website is updated periodically to enhance security and user experience.
Are there virtual cards in the service?
Virtual card issuance is available via the broader Savings Banks Group services.
Can disposable cards be created?
Temporary or disposable virtual cards are not explicitly advertised.
Is multi-currency account functionality supported?
Multi-currency support is limited; primary accounts are in euros.
Are there investment products?
Investment products are offered through the Savings Banks Group and partners.
Can interest be earned on balance?
Interest is earned on certain accounts according to terms.
Are there credit products?
Credit products including loans and credit cards are offered.
Is P2P trading supported?
Peer-to-peer trading services are not offered.
Can cryptocurrencies be bought/sold?
Cryptocurrency trading is not supported.
Is there acquiring for business?
Merchant acquiring services are provided by the group under standard banking terms.
Are mass payouts supported?
Bulk or mass payment services may be available for corporate customers.
Is there a loyalty program in the service?
No dedicated loyalty program is publicly noted.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback rewards are offered.
Are there referral programs?
No publicly available referral programs.
What privileges do VIP clients have?
VIP clients typically receive dedicated banking advisors and personalized services.
Are there seasonal promotions and offers?
Seasonal promotions are occasional and depend on the group-wide campaigns.
Can premium status be obtained?
Premium status can be obtained by meeting banking relationship criteria.
Are there partner discounts?
Partner discounts may be available via insurance or investment service partners.
Are there corporate loyalty programs?
Corporate customers receive tailored service packages.
Does the service allow operations with online casinos?
There is no public indication of support for gambling-related transactions.
Are there restrictions on gambling transactions?
Finnish regulations impose strict monitoring on gambling transactions to prevent money laundering.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious or illegal gambling activity is detected.
How does the service view gambling?
Gambling transactions are subject to regulatory compliance and scrutiny.
Are there special conditions for gambling?
No public special terms; compliance with legal restrictions applies.
Are casino transactions tracked?
Casino transactions are monitored for compliance and fraud prevention.
Can operations with gambling sites be hidden?
No options for hiding transactions; transparency is mandated by law.
Are there notifications about gambling expenses?
Notifications related to gambling expenses are not specifically provided.
Are there special fees for gambling operations?
Fees depend on the bank’s standard fee structure.
Can limits be set on gambling?
Users may set spending limits or block transactions via banking controls.
Is there a self-exclusion function?
Self-exclusion programs exist in gambling regulation but may not be specifically managed through the bank.
Can access to gambling sites be restricted?
Banks may support blocking gambling-related payment transactions upon request.
Is gambling expense control supported?
Expense control tools are generally provided for overall spending but not gambling-specific.
Are there notifications about limit exceedance?
Alerts can be configured for transaction limits and unusual activity.
Can operations with casinos be blocked?
Blocking of casino transactions is possible under compliance rules.
Is a "cooling-off period" supported?
Cooling-off periods are regulated in gambling but are not bank-provided services.
Can help be obtained for gambling addiction?
Banks direct clients to external gambling addiction support resources.
Is there partnership with player assistance organizations?
There is no public information on direct partnerships.
How to set up gambling expense notifications?
No dedicated gambling notifications; general transaction alert settings apply.
Which online casinos accept this payment method?
Information on specific casino acceptances is not publicly available.
Are there exclusive partnerships with specific casinos?
No known exclusive partnerships.
Do conditions differ when used in different casinos?
No data on differing conditions.
Are there special bonuses for using this method in casinos?
No known casino-specific bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Payment services are standard and do not specifically target casino deposits or withdrawals.
Are there geographic restrictions for casino usage?
Finnish regulation governs the use of payment methods for gambling transactions.
How do casino operators typically process transactions from this method?
Transactions are processed as standard banking payments subject to compliance checks.
Are there typical processing times when used with casinos?
Processing times align with standard bank transfer times.
Do casinos usually charge additional fees for this method?
Fees depend on casinos; banks do not impose specific casino-related fees.
Are there any known compatibility issues with major casino platforms?
No publicly reported compatibility issues exist.