What is the official website of the payment service?
https://www.haugesund-sparebank.no
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Where can I find the customer support contacts?
On the Haugesund Sparebank official website under the "Kontakt oss" (Contact us) section.
What is the hotline phone number?
+47 52 70 50 00
Is there a toll-free support number?
There is no publicly available information about a toll-free support number; typically, Norwegian local banks use standard geographic numbers for support.
What is the email address for technical support?
[email protected] (general customer service email)
Are there separate emails for different types of inquiries?
No detailed public information about specialized emails per type, but there are individual contacts such as authorized financial advisor and customer consultants available by phone.
Where can I find the online chat support?
The bank encourages usage of mobile or online banking platforms for secure communication; no dedicated web chat is publicly noted.
Does the chat support work 24/7?
Not applicable as no dedicated chat support is indicated.
Is there support through messengers (Telegram, WhatsApp)?
No indication or public support available via Telegram, WhatsApp, or similar messengers.
What are the support working hours?
Weekdays 07:00 to 21:00, Saturday and Sunday 09:00 to 21:00 (insurance support differs)
Does support work on weekends and holidays?
Yes, main support operates on weekends from 09:00 to 21:00; insurance support limited to Saturdays 09:00-17:00, closed Sundays.
Are there regional offices for in-person visits?
Yes, Haugesund Sparebank operates physical branches for in-person visits.
Where are the physical offices located?
Specific office locations are not detailed here, but their main presence is in Haugesund, Norway, with branch details typically found on their official website.
Can I schedule a personal meeting?
Yes, the bank offers personal meeting scheduling with advisors; contact through phone or online banking to arrange.
Are there representatives in different countries?
No information on international representative offices; service primarily focused on Norway.
In which languages is support available?
Support is generally available in Norwegian; English may be offered but is not explicitly stated.
How quickly does support respond to requests?
No exact metrics available; typical banking support aims to respond promptly during working hours.
Is there a priority system for VIP clients?
No public details on VIP priority support systems.
Can I request a callback?
Not specifically noted, but banks commonly offer callback requests through customer service channels.
When was the payment service founded?
Haugesund Sparebank was founded in 1928.
Who is the founder and owner of the service?
Founded as an independent, locally owned savings bank; current ownership is local stakeholders.
In which country is the company registered?
Norway.
What is the development history of the payment service?
Established in 1928 as a local savings bank; expanded services include modern digital banking, integration with Apple Pay, Google Pay, and BankID.
Have there been major updates or rebranding?
No notable rebranding found; continuous technology updates to banking systems and payment methods to remain current.
Who sits on the company's board of directors?
Specific current board members are not publicly listed here; typically available on the bank’s official corporate governance page.
Are there investors or partners in the service?
As a locally owned savings bank, no external commercial investors but likely partnerships with payment networks like Visa, Apple Pay, and Google Pay providers.
Does the company participate in stock trading?
Haugesund Sparebank is publicly listed on Euronext Oslo Børs.
What is the company's market capitalization?
Specific up-to-date market capitalization information is not provided here.
Are there subsidiary companies or branches?
Branch network mostly regional within Norway; no notable subsidiaries disclosed publicly.
What licenses does the payment service have?
Licensed as a Norwegian financial institution under Norwegian banking regulations; authorized to issue cards and digital payment services.
In which jurisdictions does the service operate officially?
Norway.
Are there licenses for cryptocurrency operations?
No public information indicating licenses related to cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, as a licensed Norwegian bank, full compliance with AML (Anti-Money Laundering) and KYC (Know Your Customer) requirements is mandatory.
Are there security certificates (PCI DSS, etc.)?
Payment services likely comply with PCI DSS standards for card payments, as indicated by their Visa card issuance and acceptance of Apple Pay/Google Pay.
Has the service undergone security audits?
Regular security audits are standard for banks in Norway; specific audit reports are not publicly available.
Is there insurance for client funds?
Client funds are protected under the Norwegian banks’ guarantee scheme for deposits.
Which international standards does it comply with?
Compliance with GDPR (data privacy), PCI DSS (payment card industry security), PSD2 (EU Payment Services Directive) via API open banking portal.
Have there been any regulatory fines or violations?
No public records of regulatory fines or violations found.
Where can I find real reviews about the service?
User reviews may be found on Norwegian finance forums, Google reviews, or Facebook pages related to Haugesund Sparebank.
What are the main user complaints?
Common banking complaints usually include app usability or service wait times, but no specific widespread complaints documented here.
What do users most often praise the service for?
Praised for local service, reliable banking solutions, integration with modern payment methods like Apple Pay and Visa cards.
Are there issues with fund withdrawals?
No widespread withdrawal issues reported publicly.
Is the interface convenient according to users?
Positive feedback generally noted for digital banking platforms and mobile apps, reflecting ease of use.
Are clients satisfied with transaction speed?
Standard Norwegian banking transaction speeds apply; no known complaints about delays.
Do users recommend this service?
Generally recommended for retail customers in the Haugesund region.
How do experts assess the service's reliability?
Experts view Haugesund Sparebank as a stable regional bank with strong compliance and secure payment services.
Are there industry awards and recognitions?
No specific awards found publicly.
Does the service participate in payment system rankings?
Not publicly listed in global payment system rankings.
Are there recommendations from financial regulators?
Compliance with Finanstilsynet regulations indicates regulatory endorsement for operational standards.
What reputation does the service have among partners?
Maintains good relationships with payment networks like Visa and Apple Pay.
How do they evaluate solution innovation?
Actively adopting mobile payments and open banking APIs shows commitment to innovation.
Are there quality service certificates?
Standard Norwegian banking certifications and licenses apply.
Does the company participate in industry conferences?
No specific information but banks often participate in industry conferences.
How does the service position itself in the market?
Positioned as a reliable local savings bank with digital payment capabilities and personal customer focus.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK).
Are cryptocurrencies supported? Which ones specifically?
No public support for cryptocurrency offerings.
Can currencies be converted within the service?
Currency conversion likely available for international transfers but no public multi-currency accounts noted.
What exchange rates are used for conversion?
Market standard interbank rates plus bank fees for foreign exchange.
How often are exchange rates updated?
Updated in real-time or daily according to market rates.
Are stablecoins supported?
Not supported.
Can exotic currencies be handled?
Limited to major currencies supported in cross-border payments.
Are there currency restrictions in different countries?
Standard Norwegian banking regulations apply.
What types of transfers does the service support?
Domestic transfers, international SWIFT payments, card payments, e-wallet payments (Apple Pay, Google Pay).
Can transfers be made between service users?
Yes, internal transfers within the bank.
Are transfers to bank cards supported?
Yes, card payments including Visa.
Can money be transferred to bank accounts?
Yes, both domestic and international bank transfers.
Is bill payment available?
Yes, including AvtaleGiro and eFaktura.
Are recurring payments supported?
Yes, recurring payments such as AvtaleGiro.
Can automatic transfers be set up?
Yes, customers can set up scheduled payments and withdrawals.
Are group payments supported?
No specific information on group payments.
Can payment links be created?
No public info on payment link generation.
What are the minimum transaction amounts in the service?
Not publicly specified; standard banking minimums apply.
What are the maximum amounts that can be transferred?
Subject to verification and account limits.
Are there daily limits on operations?
Yes, typical limits apply depending on account verification.
What monthly and annual limits are in effect?
Limits depend on verification level and customer agreement.
Can limits be increased? How?
By undergoing further verification and agreement with the bank.
Do limits differ for verified users?
Yes, verified users have higher limits.
Are there restrictions for new accounts?
Limited until verification and account maturity.
Do special limits apply in different countries?
Operations are focused in Norway, geographic limits apply accordingly.
Can operations be temporarily blocked?
Yes, for security reasons or suspicious activity.
Are there limits on the number of daily operations?
Possible, depends on account type.
What are the minimum amounts for account funding?
Not specifically stated.
What methods of funding are supported?
Deposit via bank transfer, card payments, cash deposits at branches.
Are there fees for funding?
Typically no fees for standard deposits.
What are the minimum funding amounts?
Not publicly specified.
How quickly are funds credited when funding?
Usually instant for card and internal transfers; bank transfer times vary.
How can money be withdrawn from the system?
ATM withdrawals, transfers to other accounts, card transactions.
Are there fees for fund withdrawal?
Standard fees may apply depending on method and account.
How long does withdrawal take?
Instant at ATM; 1-3 business days for bank transfers.
What withdrawal limits are set?
Limits depend on account type and verification.
How quickly are funds credited when funding with a card?
Instant or near-instant.
How long does a bank transfer take?
Typically 1-3 business days.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Internal bank transfers are typically instant or same day.
Are there delays when funding on weekends?
Possible delays on weekends and holidays.
Do holidays affect funding speed?
Yes, standard banking holidays affect processing times.
Can crediting be accelerated for a fee?
Not commonly offered for standard deposits.
What determines the speed of funding processing?
Payment method, bank processing times, time of day.
Are there notifications about funding status?
Yes, notifications provided in mobile or online banking.
What to do if funding takes too long?
Contact customer service for investigation and resolution.
How quickly are withdrawal requests processed?
Usually within the same or next business day.
How long does card withdrawal take?
Instant at ATM or POS terminals.
How quickly do bank transfers arrive?
1-3 business days typically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, weekend delays possible.
Can withdrawal be accelerated for an additional fee?
Rarely offered for withdrawals.
What determines withdrawal processing time?
Bank processing schedules and payment method.
Are there notifications about withdrawal status?
Yes, through banking platform alerts.
Can a withdrawal request be canceled?
Usually only before processing begins.
How to register with the payment service?
Registration through the bank’s website or branch, providing identification details.
What data is needed to create an account?
Identification (passport/ID), address, contact details, sometimes income information.
Can registration be done without email?
Usually an email address is required for communication.
Is phone confirmation required during registration?
Yes, phone number verification is typical.
Are there age restrictions for registration?
Legal minimum age is 18 years.
Can a corporate account be created?
Yes, business accounts are offered.
Is it required to provide real data?
Yes, identity verification and real data are mandatory under AML laws.
Are there country restrictions for registration?
Primarily for residents in Norway.
How long does account activation take?
Usually immediate after verification or up to a few days.
What verification levels exist?
Basic and enhanced verification for higher limits and services.
What documents are required for basic verification?
Government-issued ID, proof of address.
Are documents needed for full verification?
Yes, may include income proof and additional identity documents.
Are digital copies of documents accepted?
Yes, usually through secure upload in online banking.
How long does the verification procedure take?
From immediate to a few business days.
Can the service be used without verification?
Limited access to functionality; most services require verification.
What restrictions apply to unverified users?
Minimal transaction limits and restricted service access.
Is address confirmation required?
Yes, typically required.
Is a selfie with documents required?
Sometimes required for enhanced KYC.
How often do documents need to be updated?
Depending on regulations, every few years or if information changes.
What encryption technologies does the service use?
Standard TLS/SSL encryption for data in transit.
Is two-factor authentication supported?
Yes, 2FA is commonly supported.
Are there SMS confirmations for operations?
Typically yes, for security confirmations.
Is biometric authentication supported?
Supported on mobile app platforms where available.
Is blockchain technology used?
No public info confirming blockchain use.
Is there a multi-level security system?
Yes, multi-layered security architecture is standard.
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?
Yes, standard infrastructure protection.
Are regular security audits conducted?
Yes, regular security and compliance audits conducted.
What anti-phishing protection measures are provided?
User education, secure login, and alert systems.
Is there a suspicious activity detection system?
Yes, monitoring for fraud and suspicious behavior.
How does the service combat money laundering?
Through KYC, AML policies, transaction monitoring.
Is there blocking of suspicious accounts?
Yes, accounts can be blocked pending investigation.
What to do when fraud is detected?
Report immediately to bank support.
How to report suspicious activity?
Through customer service channels.
Is there compensation for damage from fraudsters?
Compensation depends on investigation and terms; consumer protection laws apply.
What user rights exist for disputed transactions?
Right to dispute through bank and regulatory channels.
How to dispute account blocking?
Contact bank customer service to resolve.
Is there insurance against cyber attacks?
Specific cyber insurance not publicly stated, but banking is generally covered by risk management.
What fees does the service charge for transfers?
Fees vary; domestic transfers often free or low cost, international transfers higher fees.
Are there fees for account funding?
Usually no fees for standard deposits.
Are fees charged for fund withdrawal?
Fees may apply for certain withdrawal methods.
Are there fees for currency conversion?
Yes, bank exchange fees apply.
Are there fees for account inactivity?
Not commonly charged for personal accounts.
Are there account maintenance fees?
Maintenance fees vary by account type.
Are fees charged for operation cancellation?
Usually no.
Are there fees for expedited operations?
May apply for express international transfers.
Are there hidden fees?
No known hidden fees; fees disclosed in terms.
How are fees calculated for large amounts?
Usually percentage-based or fixed limits.
Are there different tariff plans in the service?
Different account types with varied fees.
What advantages does VIP status provide?
Not publicly detailed.
How to get preferential conditions?
Usually by volume or relationship management.
Are there free operations per month?
Often yes for basic account types.
Are there discounts for active users?
No public info on discounts.
Are there corporate tariffs?
Yes, business accounts have tariff plans.
Can individual conditions be obtained?
Possible through negotiation.
Do promotional codes work for fee reduction?
Not typical for banks.
Are there cashback programs?
No specific cashback programs found.
Are there discounts for transaction volumes?
Possible through relationship banking.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account management, payments, transfers, mobile deposits, card control.
Does functionality differ from the web version?
Mobile apps are streamlined; most core functions available on both.
Is Touch ID/Face ID supported?
Supported on mobile apps.
Can the application work offline?
Limited; mostly requires internet connection.
Is dark theme supported?
Not explicitly stated.
How often is the mobile application updated?
Regular updates, frequency varies.
Are there beta versions of the application?
No public info on beta.
Is the web interface of the service convenient?
Generally positively viewed.
In which languages is the interface available?
Norwegian primarily.
Is there a night mode for the website?
Not explicitly stated.
Are hotkeys supported?
No public info.
Can data be exported?
Basic data export features likely.
Is there an API for developers?
Yes, a PSD2 open banking API is available.
Is integration with other services supported?
Yes, via APIs and payment integrations.
How often is the web interface updated?
Periodic updates.
Are there virtual cards in the service?
Not specifically stated.
Can disposable cards be created?
No public info.
Is multi-currency account functionality supported?
Limited or not publicly offered.
Are there investment products?
Yes, bank offers investment services.
Can interest be earned on balance?
Yes, on savings accounts.
Are there credit products?
Yes, loans and credit lines available.
Is there acquiring for business?
Business payment services available.
Are mass payouts supported?
No public information.
Is there a loyalty program in the service?
No public information.
How are bonus points earned?
Not applicable.
What privileges do VIP clients have?
Not publicly detailed.
Are there seasonal promotions and offers?
Not commonly advertised.
Can premium status be obtained?
Not publicly detailed.
Are there partner discounts?
No public information.
Are there corporate loyalty programs?
No public info.
Does the service allow operations with online casinos?
No specific information on casino transactions.
Are there restrictions on gambling transactions?
Typically Norwegian banks restrict certain gambling transactions for regulatory compliance.
Can accounts be blocked for casino play?
Possibly, under specific risk controls.
How does the service view gambling?
Likely cautious and regulated approach.
Are there special conditions for gambling?
Not publicly stated.
Are casino transactions tracked?
Likely monitored per AML rules.
Can operations with gambling sites be hidden?
No, regulated banks monitor such transactions.
Are there special fees for gambling operations?
Not specifically stated.
Can limits be set on gambling?
No public info.
Is there a self-exclusion function?
Not publicly detailed.
Can access to gambling sites be restricted?
Not bank provided, typically user or ISP level.
Is gambling expense control supported?
No explicit info.
Can operations with casinos be blocked?
Likely blocked if detected and risky.
Is a "cooling-off period" supported?
No public info.
Can help be obtained for gambling addiction?
Via external organizations, not directly from bank.
Is there partnership with player assistance organizations?
No public information.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
No public partnerships.
Do conditions differ when used in different casinos?
No info.
Can the method be used for both deposits and withdrawals in casinos?
No public info.
Are there geographic restrictions for casino usage?
Norwegian banking laws apply.
How do casino operators typically process transactions from this method?
Not publicly detailed.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
No public info.