What is the official website of the payment service?
https://www.handelsbanken.fi
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Where can I find the customer support contacts?
Customer support contacts can be found on the official website under the "Contact and Support" section.
What is the hotline phone number?
The main customer service phone number is +358 10 444 11.
Is there a toll-free support number?
There is no public information confirming the availability of a toll-free support number specifically for Handelsbanken Finland.
What is the email address for technical support?
No publicly verified specific technical support email is available; general inquiries are typically handled via the website’s contact forms or general customer service.
Are there separate emails for different types of inquiries?
There is no public detailed breakdown of separate email addresses for different inquiry types; standard procedure involves using contact forms or phone support for specialized areas.
Where can I find the online chat support?
Online chat support is available on the Handelsbanken Sweden website, generally accessible in the personal banking digital services section.
Does the chat support work 24/7?
Chat support is available daily from 8 AM to 10 PM, not 24/7.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information that Handelsbanken Finland offers support through Telegram, WhatsApp, or similar messengers.
What are the support working hours?
Customer support is available 24/7 by phone, while chat and social media support run daily from 8 AM to 10 PM.
Does support work on weekends and holidays?
Phone support is available 24/7 including weekends and holidays; chat and branch services may have limited or special weekend hours.
Are there regional offices for in-person visits?
Yes, Handelsbanken Finland has physical branches located in several cities including Helsinki, Espoo, Tampere, and Oulu.
Where are the physical offices located?
Key branch locations include Aleksanterinkatu 11, 00100 Helsinki and branches in Espoo, Hämeenlinna, Joensuu, Jyväskylä, Kotka, Lahti, Lappeenranta, Mikkeli, Oulu, Riihimäki, Seinäjoki, Tampere, and Turku.
Can I schedule a personal meeting?
Yes, personal meetings can typically be scheduled by contacting a local branch or using online service channels.
Are there representatives in different countries?
Handelsbanken operates primarily in Sweden, Norway, Finland, the Netherlands, the UK, and Baltic countries, with Finland as one of its core markets.
In which languages is support available?
Support is available primarily in Finnish, Swedish, and English.
How quickly does support respond to requests?
Response times vary; phone support is immediate, chat replies occur within minutes, and email/contact form responses typically come within 1-2 business days.
Is there a priority system for VIP clients?
Handelsbanken offers personalized services for premium and corporate clients, which include prioritized customer support.
Can I request a callback?
Callback services are generally available upon request through customer service channels.
When was the payment service founded?
Handelsbanken was founded in 1871.
Who is the founder and owner of the service?
Founded by Oscar Lamm; owned by Svenska Handelsbanken AB (publ), a publicly listed Swedish bank.
In which country is the company registered?
Handelsbanken Finland operations are registered in Finland.
What is the development history of the payment service?
Handelsbanken expanded from Sweden into Finland and other Nordic and European markets since the mid-1990s, continuously developing digital payment and banking services.
Have there been major updates or rebranding?
In 2023, Handelsbanken announced the sale of parts of its Finnish operations to Oma Savings Bank and S-Bank, marking a major shift expected to complete in 2024.
Who sits on the company's board of directors?
The board of Svenska Handelsbanken AB includes Swedish-based executives; Finland’s local operations are managed by local leadership under the parent entity.
Are there investors or partners in the service?
As a publicly listed company in Sweden, Handelsbanken has multiple institutional and retail investors; strategic partnerships include local banks and Nordic financial services.
Does the company participate in stock trading?
Yes, Svenska Handelsbanken AB (publ) is publicly traded on the Nasdaq Stockholm.
What is the company's market capitalization?
Market capitalization fluctuates; it is a large Nordic bank with multi-billion euro valuation (exact current figures require financial data lookup).
Are there subsidiary companies or branches?
Handelsbanken Finland includes subsidiaries such as Handelsbanken Finans Abp offering corporate finance and leasing services.
What licenses does the payment service have?
Handelsbanken Finland is licensed as a credit institution under Finnish and EU banking regulations.
In which jurisdictions does the service operate officially?
Official operations cover Finland, Sweden, Norway, the Netherlands, UK, and Baltic countries.
Are there licenses for cryptocurrency operations?
No verified information indicates Handelsbanken Finland holds cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, fully complies with EU AML and KYC regulations, with efforts to enhance transaction monitoring after prior regulatory findings.
Are there security certificates (PCI DSS, etc.)?
Handelsbanken adheres to industry security standards including PCI DSS for card payments.
Has the service undergone security audits?
Regular security audits are conducted as part of regulatory compliance and internal controls.
Is there insurance for client funds?
Deposits are insured up to 950,000 SEK under the Swedish deposit guarantee scheme applicable to its Finnish branch.
Which international standards does it comply with?
Compliance includes ISO 20022 payment messaging, EU PSD2 directive, GDPR data protection, and other relevant standards.
Have there been any regulatory fines or violations?
There have been past regulatory warnings in Finland regarding AML monitoring weaknesses that the bank has addressed through corrective measures.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, Google Reviews, and local financial forums for Finnish banking customers.
What are the main user complaints?
Common complaints include customer service wait times and occasional difficulties in digital services.
What do users most often praise the service for?
Users praise its stable and secure banking platform and wide branch network.
Are there issues with fund withdrawals?
No widespread reported issues; fund withdrawals are processed in line with industry norms.
Is the interface convenient according to users?
The digital banking interface is considered user-friendly and modern by most users.
Are clients satisfied with transaction speed?
Transaction speeds meet user expectations, especially for SEPA and internal transfers.
Do users recommend this service?
A majority recommend Handelsbanken for personal and business banking in Finland.
How do experts assess the service's reliability?
Experts rate Handelsbanken as a stable, well-regulated Nordic bank with strong risk management practices.
Are there industry awards and recognitions?
Handelsbanken has received Nordic banking awards for customer satisfaction and sustainability efforts.
Does the service participate in payment system rankings?
Participates in Nordic and EU banking performance and payment system rankings.
Are there recommendations from financial regulators?
Regulators acknowledge Handelsbanken’s corrective actions after AML findings, supporting its ongoing license.
What reputation does the service have among partners?
Partners rate Handelsbanken Finland as reliable and collaborative, especially in corporate and SME finance.
How do they evaluate solution innovation?
Evaluated as moderately innovative with strategic investments in digital banking technology.
Are there quality service certificates?
Holds quality assurance certifications aligned with ISO standards and financial service best practices.
Does the company participate in industry conferences?
Participates regularly in Nordic banking and fintech conferences.
How does the service position itself in the market?
Positions as a traditional yet digitally evolving Nordic bank focused on customer relationships.
Which fiat currencies does the service support?
Primarily supports EUR; also handles SEK and other Nordic currencies in cross-border payments.
Are cryptocurrencies supported? Which ones specifically?
Does not actively support cryptocurrency banking services.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists for Handelsbanken Finland.
Can currencies be converted within the service?
Supports currency conversion between supported fiat currencies through banking services.
What exchange rates are used for conversion?
Uses standard interbank exchange rates with applied service margins.
How often are exchange rates updated?
Exchange rates are updated daily in banking systems.
Are stablecoins supported?
No stablecoin support is provided.
Can exotic currencies be handled?
Exotic currency handling is limited and typically requires manual arrangements.
Are there currency restrictions in different countries?
Currency restrictions comply with local and EU regulations.
What types of transfers does the service support?
Supports SEPA, SWIFT, domestic transfers, card payments, and direct debits.
Can transfers be made between service users?
Yes, internal transfers between Handelsbanken customers are supported instantly.
Are transfers to bank cards supported?
Transfers to debit cards are supported for payments and withdrawals.
Can money be transferred to bank accounts?
Yes, transfers to domestic and international bank accounts are supported.
Is bill payment available?
Bill payment services are available through online and mobile banking.
Are recurring payments supported?
Recurring payment setups are supported via direct debits.
Can automatic transfers be set up?
Automated transfers can be configured through internet and mobile banking.
Is payment scheduling available?
Payment scheduling features are available.
Are group payments supported?
Group payments or payment splitting features are not broadly advertised as standard.
Can payment links be created?
No specific information confirming payment link generation capability.
What are the minimum transaction amounts in the service?
Minimum amounts depend on transfer type, commonly from 0.01 EUR upwards.
What are the maximum amounts that can be transferred?
Maximum amounts vary based on account types and regulatory limits.
Are there daily limits on operations?
Daily limits are applied depending on verification level and account type.
What monthly and annual limits are in effect?
Monthly and annual limits are set per customer segment and regulatory requirements.
Can limits be increased? How?
Customers can request limit increases subject to verification and bank approval.
Do limits differ for verified users?
Verified users have higher transaction limits compared to unverified or basic account holders.
Are there restrictions for new accounts?
New accounts have initial limits and restrictions to mitigate risk and fraud.
Do special limits apply in different countries?
Limits are primarily set per jurisdiction according to local regulations.
Can operations be temporarily blocked?
Operations can be blocked temporarily for security or compliance reasons.
Are there limits on the number of daily operations?
Some limits on daily transaction counts apply for risk management.
What are the minimum amounts for account funding?
Minimum funding amounts vary by payment method; typically very low or no minimum for most electronic deposits.
What methods of funding are supported?
Supported funding methods include bank transfers, card payments, and direct deposits.
Are there fees for funding?
Funding via bank transfer is generally free; card funding fees may apply depending on type.
What are the minimum funding amounts?
Minimums depend on method but start from small amounts like 1 EUR.
How quickly are funds credited when funding?
Bank transfers credit within 1-2 business days; card payments are usually instant or same day.
How can money be withdrawn from the system?
Withdrawals can be made via bank transfer, card withdrawal, or branch cash withdrawal.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on method and account conditions.
How long does withdrawal take?
Withdrawals generally take 1-3 business days depending on method.
What withdrawal limits are set?
Withdrawal limits per transaction and day depend on account terms and verification.
How quickly are funds credited when funding with a card?
Card funding is typically credited instantly or within minutes.
How long does a bank transfer take?
Bank transfers take 1-2 business days for domestic payments.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported for transfers.
Are transfers between users instant?
Internal transfers within Handelsbanken are usually instant.
Are there delays when funding on weekends?
Weekend funding via bank transfer may be processed next business day.
Do holidays affect funding speed?
Holidays delay payment processing similarly to weekends.
Can crediting be accelerated for a fee?
Express payment options may be available at extra cost in some cases.
What determines the speed of funding processing?
Processing speed depends on payment method, banking hours, and interbank clearing systems.
Are there notifications about funding status?
Customers receive notifications for funding status via app or email.
What to do if funding takes too long?
Customers should contact support if funding is delayed beyond standard times.
How quickly are withdrawal requests processed?
Withdrawal requests are generally processed within 1 business day.
How long does card withdrawal take?
Card withdrawals appear immediately or within 1 business day.
How quickly do bank transfers arrive?
Bank transfer arrivals depend on correspondent banks, usually 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable as cryptocurrencies are not supported.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends are processed next business day.
Do holidays affect withdrawal speed?
Holidays may delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
Express withdrawals may be offered at additional fees.
What determines withdrawal processing time?
Withdrawal time depends on transfer method, bank processing, and regulatory checks.
Are there notifications about withdrawal status?
Withdrawal status notifications are generally provided via digital channels.
Can a withdrawal request be canceled?
Withdrawal cancellations may be possible if the request is pending processing.
How to register with the payment service?
Registration requires completing an application online or in branch with identity verification.
What data is needed to create an account?
Required data includes personal identification, address, contact details, and in some cases financial info.
Can registration be done without email?
Typically, email or mobile contact is required for registration and communication.
Is phone confirmation required during registration?
Phone confirmation is commonly required for identity and security verification.
Are there age restrictions for registration?
Users must be at least 18 years old to open accounts.
Can a corporate account be created?
Yes, corporate accounts are available with additional documentation requirements.
Is it required to provide real data?
Yes, accurate identity data must be provided due to AML and KYC regulations.
Are there country restrictions for registration?
Registration is generally limited to residents or those with legal ties to Finland or Nordic countries.
How long does account activation take?
Account activation typically occurs within 1-3 business days after verification.
What verification levels exist?
Basic and enhanced verification levels exist, depending on service usage.
What documents are required for basic verification?
Basic verification requires government-issued ID and proof of address.
Are documents needed for full verification?
Yes, full verification may require additional financial documents or source of funds info.
Are digital copies of documents accepted?
Digital document submission is accepted for convenience and speed.
How long does the verification procedure take?
Verification usually completes within a few business days.
Can the service be used without verification?
Limited service use without verification, generally blocked for higher-risk transactions.
What restrictions apply to unverified users?
Unverified users face lower transaction, funding, and withdrawal limits.
Is address confirmation required?
Address verification is required as part of AML compliance.
Is a selfie with documents required?
Selfie with ID may be requested for enhanced verification.
How often do documents need to be updated?
Documents need updating if circumstances change or periodically as required by regulation.
What encryption technologies does the service use?
Handelsbanken uses standard SSL/TLS encryption and advanced security protocols to protect data.
Is two-factor authentication supported?
Yes, two-factor authentication is supported via SMS codes or app authentication.
Are there SMS confirmations for operations?
SMS confirmations are used for login and transaction approvals.
Is biometric authentication supported?
Biometric authentication is available through mobile apps on supported devices.
Is blockchain technology used?
No known use of blockchain in Handelsbanken’s payment or banking infrastructure.
Is there a multi-level security system?
Yes, multiple security layers including encryption, authentication, fraud detection, and monitoring.
How is user personal data protected?
Personal data is protected under GDPR with encryption, access control, and privacy policies.
Is cold storage used for cryptocurrencies?
Not applicable as cryptocurrencies are not supported.
Is there DDoS attack protection?
Yes, standard DDoS protection and mitigation mechanisms are in place.
Are regular security audits conducted?
Regular internal and external security audits are conducted to ensure compliance and security.
What anti-phishing protection measures are provided?
Anti-phishing alerts, education, and secure login procedures are implemented.
Is there a suspicious activity detection system?
Yes, automated systems monitor transactions and behaviors for suspicious activity.
How does the service combat money laundering?
Comprehensive AML procedures including KYC, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Suspicious accounts are promptly blocked or frozen to prevent fraud or illegal activity.
What to do when fraud is detected?
Customers must report suspected fraud immediately; bank investigates and takes protective actions.
How to report suspicious activity?
Suspicious activity can be reported via customer service, online banking, or designated compliance channels.
Is there compensation for damage from fraudsters?
Compensation policies depend on circumstance but generally cover losses from proven fraud.
What user rights exist for disputed transactions?
Customers have rights to dispute unauthorized or erroneous transactions under EU payment directives.
How to dispute account blocking?
Account blocking disputes can be addressed by contacting customer service or escalating to supervisory authorities.
Is there insurance against cyber attacks?
Handelsbanken has insurance coverage for cyber risk as part of operational risk management.
What fees does the service charge for transfers?
Transfer fees vary by type and channel; SEPA transfers may be free, SWIFT and others may incur fees.
Are there fees for account funding?
Typically no fees for bank transfer funding; card funding may involve fees.
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on withdrawal method and account conditions.
Are there fees for currency conversion?
Currency conversion fees apply as a percentage or fixed fee depending on currency and method.
Are there fees for account inactivity?
Account inactivity fees are generally not charged but vary by account type.
Are there account maintenance fees?
Monthly account fees apply to certain account types depending on usage and balance.
Are fees charged for operation cancellation?
Operation cancellation fees are uncommon but can apply depending on terms.
Are there fees for expedited operations?
Express transfers or priority handling may incur additional fees.
Are there hidden fees?
Fees are disclosed transparently according to regulatory standards.
How are fees calculated for large amounts?
Large transaction fees are calculated as fixed plus percentage fees according to tariff plans.
Are there different tariff plans in the service?
Multiple tariff plans exist for private, business, and corporate customers.
What advantages does VIP status provide?
VIP status includes priority service, lower fees, and personalized banking solutions.
How to get preferential conditions?
Preferential conditions are granted based on customer assets, account types, or negotiation.
Are there free operations per month?
Some accounts offer free monthly transactions depending on plan.
Are there discounts for active users?
Discounts or fee waivers may be available for active or high-volume users.
Are there corporate tariffs?
Corporate customers have customized pricing and services.
Can individual conditions be obtained?
Yes, customized terms can be negotiated for high-value clients.
Do promotional codes work for fee reduction?
Promotional codes are not commonly used in traditional banking fee structures.
Are there cashback programs?
Cashback programs are generally limited to credit card products, not standard transfers.
Are there discounts for transaction volumes?
Volume-based discounts or tiered pricing may be offered to business customers.
Is there an official mobile application?
Yes, Handelsbanken offers an official mobile banking app.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
Functions include account overview, transfers, payments, card management, notifications, and security features.
Does functionality differ from the web version?
The mobile app features a streamlined interface but supports all core banking functions available on the web.
Is Touch ID/Face ID supported?
Yes, biometric login such as Touch ID and Face ID is supported.
Can the application work offline?
Limited offline functionality is available; full operations require internet connection.
Are there push notifications about operations?
Push notifications are supported for transactions and security alerts.
Is dark theme supported?
Dark mode is available in the mobile app.
How often is the mobile application updated?
The app is updated regularly, approximately every few weeks to months depending on releases.
Are there beta versions of the application?
No public information about beta testing programs is available.
Is the web interface of the service convenient?
The web interface is regarded as user-friendly and modern.
Is responsive design supported?
The web platform is responsive and adapts to different screen sizes.
In which languages is the interface available?
Interface languages include Finnish, Swedish, and English.
Is there a night mode for the website?
Night mode/dark theme is generally supported on mobile apps; less common on web.
Are hotkeys supported?
Keyboard shortcuts are not a commonly promoted feature.
Can data be exported?
Account statements and transaction data can be exported in common formats like PDF or CSV.
Is there an API for developers?
No public API is offered for customer use, enterprise APIs may be provided under agreements.
Is integration with other services supported?
Integration with third-party financial management tools is limited and typically requires manual export/import.
How often is the web interface updated?
The website is updated regularly for security and feature improvements.
Are there virtual cards in the service?
Virtual card services availability is not explicitly confirmed.
Can disposable cards be created?
No public information on disposable or temporary cards is available.
Is multi-currency account functionality supported?
Multi-currency accounts are generally not standard; accounts mostly support EUR.
Are there investment products?
Investment products are available through Handelsbanken’s wealth management services.
Can interest be earned on balance?
Interest on balances depends on account type; typically savings have interest, current accounts do not.
Are there credit products?
Credit products include loans, overdrafts, and credit cards.
Is P2P trading supported?
Peer-to-peer trading services are not a core offering.
Can cryptocurrencies be bought/sold?
Cryptocurrency exchange or trading is not supported.
Is there acquiring for business?
Merchant acquiring services are available for business customers.
Are mass payouts supported?
Bulk payment services for businesses are offered.
Is there a loyalty program in the service?
No public detailed loyalty program is available.
How are bonus points earned?
No general bonus points system is available outside credit card rewards.
Is there cashback for operations?
Cashback applies generally to selected credit card products.
Are there referral programs?
No public referral program details are available.
What privileges do VIP clients have?
VIP clients get prioritized service, exclusive offers, and personal advisement.
Are there seasonal promotions and offers?
Seasonal or promotional offers may occur but are not regularly advertised.
Can premium status be obtained?
Premium or private banking status is available based on assets and banking volume.
Are there partner discounts?
Partner discounts may be available for private banking clients.
Are there corporate loyalty programs?
Corporate clients have tailored service agreements; no public loyalty programs.
Does the service allow operations with online casinos?
No verified public information on explicit support or restriction of online casino transactions.
Are there restrictions on gambling transactions?
Finnish and EU regulations impose restrictions on gambling payments; bank likely follows compliance rules.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious gambling-related activity is detected per AML rules.
How does the service view gambling?
Handelsbanken complies with regulatory stance on gambling, monitoring transactions for legality.
Are there special conditions for gambling?
No public special terms for gambling transactions.
Are casino transactions tracked?
Casino transactions are monitored under standard compliance and AML procedures.
Can operations with gambling sites be hidden?
No typical features to hide gambling transactions; transparency is regulatory mandated.
Are there notifications about gambling expenses?
No specific gambling expense alerts reported.
Are there special fees for gambling operations?
No specific fees for gambling transactions disclosed.
Can limits be set on gambling?
Customers may self-apply spending controls and limits indirectly via banking tools.
Is there a self-exclusion function?
Bank supports self-exclusion measures through cooperation with Finnish gambling authorities.
Can access to gambling sites be restricted?
Not directly by bank services; site blocking typically managed by government or ISPs.
Is gambling expense control supported?
Expense control is generally via personal finance tools, not specialized in gambling.
Are there notifications about limit exceedance?
Standard banking notifications for limits exist; no specific gambling alerts.
Can operations with casinos be blocked?
Bank has authority to block suspicious gambling-related transactions per compliance needs.
Is a "cooling-off period" supported?
No banking-level cooling-off period exists for gambling; this is managed by gambling operators/regulators.
Can help be obtained for gambling addiction?
Bank cooperates with local problem gambling assistance services providing referral support.
Is there partnership with player assistance organizations?
Cooperation exists with Finnish player assistance organizations for responsible banking.
How to set up gambling expense notifications?
No direct service; customers can use general transaction alerts to monitor spending.
Which online casinos accept this payment method?
Specific lists are not publicly available as payments depend on card or bank transfer networks.
Are there exclusive partnerships with specific casinos?
No disclosed exclusive partnerships with casino operators.
Do conditions differ when used in different casinos?
Payment conditions depend on casino operator and payment method, not bank-specific terms.
Are there special bonuses for using this method in casinos?
No bonuses related to payments via Handelsbanken are publicly noted.
Can the method be used for both deposits and withdrawals in casinos?
Bank transfers and cards linked to Handelsbanken can generally be used for deposits and withdrawals where accepted.
Are there geographic restrictions for casino usage?
Geographic restrictions are driven by local law, not bank policy.
How do casino operators typically process transactions from this method?
Transactions are processed via standard card and bank transfer clearing systems.
Are there typical processing times when used with casinos?
Deposits are usually instant; withdrawals depend on casino processing and bank clearing times.
Do casinos usually charge additional fees for this method?
Casinos may charge fees; the bank typically does not impose extra fees specifically for casino transactions.
Are there any known compatibility issues with major casino platforms?
No known major compatibility issues reported.