What is the official website of the payment service?
https://www.hsbank.no
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Where can I find the customer support contacts?
The customer support contacts can be found on the bank's "Kontakt oss" page at https://www.hsbank.no/kontakt-oss.
What is the hotline phone number?
The main customer service phone number is 63 85 70 70.
Is there a toll-free support number?
There is no verified information available specifically about a toll-free support number for Høland og Setskog Sparebank.
What is the email address for technical support?
There is no verified specific email for technical support publicly available; general inquiries are likely handled via the contact page.
Are there separate emails for different types of inquiries?
No specific verified information about separate specialized emails for different departments is publicly available.
Where can I find the online chat support?
There is no verified information confirming availability of online chat support on the official website.
Does the chat support work 24/7?
There is no verified information about 24/7 chat support availability.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support via Telegram, WhatsApp, or other messengers.
What are the support working hours?
Customer support phone service is available on weekdays from 07:00 to 21:00.
Does support work on weekends and holidays?
Verified information indicates support does not operate regularly on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, there are four physical offices in Aurskog-Høland: Bjørkelangen, Setskog, Hemnes, and Løken.
Where are the physical offices located?
Main office is at Bjørkeveien 20, 1940 Bjørkelangen, Norway; additional branches are in Setskog, Hemnes, and Løken.
Can I schedule a personal meeting?
Yes, customers are invited to book meetings via phone call (63 85 70 70) for personal consultations.
Are there representatives in different countries?
The bank operates primarily in Norway with no verified information on international representatives.
In which languages is support available?
Support is available primarily in Norwegian.
How quickly does support respond to requests?
Typical response times are not published, but standard banking practice is within one business day for email inquiries and immediate for calls.
Is there a priority system for VIP clients?
No verified information available about differentiated VIP client support or priority handling.
Can I request a callback?
The bank offers general customer service by phone, but there is no verified info on callback request services.
When was the payment service founded?
The bank was founded on June 6, 1849.
Who is the founder and owner of the service?
Founded as Høland Præstegjelds Sparebank; it is a mutually owned savings bank under Eika Gruppen.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
Founded in 1849, renamed to Høland og Setskog Sparebank in 2010, has developed banking products including retail banking, loans, payment cards, insurance, and online services.
Have there been major updates or rebranding?
Yes, the bank changed its name from Holand Sparebank to Høland og Setskog Sparebank in 2010.
Who sits on the company's board of directors?
The board includes Chairman Åsmund Krogstad, Deputy Chair Lene Malnes, and directors such as Liv Torhild Lorentzen, Sigbjørn Høgne, Camilla Lunder Jensen, Tom Carsten Troberg, and employee representative Øystein Heggedal.
Are there investors or partners in the service?
The bank is a member of Eika Gruppen, a Norwegian financial group, indicating strategic partnership.
Does the company participate in stock trading?
It is publicly listed on the Oslo Stock Exchange under ticker HSPG.OL.
What is the company's market capitalization?
Specific up-to-date market capitalization is not verified here; it fluctuates with market conditions.
Are there subsidiary companies or branches?
The bank operates four branch offices in Norway but no information on subsidiaries.
What licenses does the payment service have?
Licensed as a savings bank, authorized and supervised by the Financial Supervisory Authority of Norway (Finanstilsynet).
In which jurisdictions does the service operate officially?
Operations are officially conducted within Norway.
Are there licenses for cryptocurrency operations?
No verified information about cryptocurrency-specific licenses. The bank likely does not operate in crypto services.
Does the service comply with AML/KYC requirements?
Yes, it complies with Norwegian AML/KYC regulations as mandated for licensed banks.
Are there security certificates (PCI DSS, etc.)?
While no specific certificate details are publicly listed, compliance with PCI DSS standards is standard for banks issuing cards and payment services.
Has the service undergone security audits?
Banks in Norway typically undergo regular security audits; no specific audit reports for this bank are publicly disclosed.
Is there insurance for client funds?
Deposits are protected up to 2,000,000 NOK per depositor under Norway's deposit guarantee scheme.
Which international standards does it comply with?
Complies with Norwegian financial regulations, EU directives for payments where applicable, and international banking standards.
Have there been any regulatory fines or violations?
No publicly available record of regulatory fines or violations.
Where can I find real reviews about the service?
Customer reviews can sometimes be found on Norwegian banking forums and financial review platforms but no dedicated major reviews located.
What are the main user complaints?
Typical banking customer complaints in similar institutions include service speed and digital interface usability, but no specific verified complaints.
What do users most often praise the service for?
The bank is commonly praised for local community focus, personalized service, and reliability.
Are there issues with fund withdrawals?
No verified reports of withdrawal problems.
Is the interface convenient according to users?
No specific user feedback available; modern online and mobile banking platforms are offered.
Are clients satisfied with transaction speed?
No verified data; transaction speed likely consistent with Norwegian banking norms.
Do users recommend this service?
Specific referral statistics are not available.
How do experts assess the service's reliability?
Financial analysts recognize it as a stable regional savings bank with sound governance.
Are there industry awards and recognitions?
No public information on industry awards.
Does the service participate in payment system rankings?
No verified participation in major rankings found.
Are there recommendations from financial regulators?
Licensing by Finanstilsynet indicates regulatory approval and compliance.
What reputation does the service have among partners?
Known as a reputable member of Eika Gruppen with good standing in Norwegian banking circles.
How do they evaluate solution innovation?
Traditional banking focus with gradual incorporation of digital payment solutions like mobile banking and card payments.
Are there quality service certificates?
No public details on specific quality certificates.
Does the company participate in industry conferences?
No specific public information about conference participation.
How does the service position itself in the market?
Positioned as a local savings bank offering personalized banking and financial services within its community.
Which fiat currencies does the service support?
Operates primarily with Norwegian Krone (NOK).
Are cryptocurrencies supported? Which ones specifically?
No verified support for cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion services are likely limited; primary focus is on NOK and traditional banking services.
What exchange rates are used for conversion?
If provided, the bank would typically use market exchange rates or rates from correspondent banks.
How often are exchange rates updated?
Typically updated daily according to market conditions.
Are stablecoins supported?
No stablecoin support verified.
Can exotic currencies be handled?
No verified information supporting exotic currency handling.
Are there currency restrictions in different countries?
The service operates mainly in Norway with regulatory compliance for currency control.
What types of transfers does the service support?
Domestic and international bank transfers, card payments, mobile payments via Apple Pay, Google Pay, and Vipps.
Can transfers be made between service users?
Peer-to-peer payments are supported through Vipps and card services.
Are transfers to bank cards supported?
Yes, card transfers are supported.
Can money be transferred to bank accounts?
Yes, both domestic and international bank account transfers are supported.
Is bill payment available?
Yes, AvtaleGiro and eFaktura bill payment services are available.
Are recurring payments supported?
Recurring payments can be arranged through AvtaleGiro.
Can automatic transfers be set up?
Automatic payments are supported via recurring payment services.
Is payment scheduling available?
Payment scheduling functionality is provided in the mobile and online banking platforms.
Are group payments supported?
No verified information on group payment features.
Can payment links be created?
No specific verified information about payment link generation.
What are the minimum transaction amounts in the service?
Specific minimum transaction limits are not publicly detailed.
What are the maximum amounts that can be transferred?
Transfer limits depend on customer profile and regulatory requirements; exact figures are not verified.
Are there daily limits on operations?
Daily limits are generally imposed by banks for security but specific limits are not publicly disclosed.
What monthly and annual limits are in effect?
Standard banking limits apply; no specific public info on these.
Can limits be increased? How?
Limits are typically increased through customer requests and verification process.
Do limits differ for verified users?
Verified users often have higher transaction limits consistent with regulatory compliance.
Are there restrictions for new accounts?
New accounts may have limited transaction capabilities until verification is completed.
Do special limits apply in different countries?
The bank operates primarily in Norway, so no geographic variance is noted.
Can operations be temporarily blocked?
Yes, bank systems can temporarily block operations for security or compliance reasons.
Are there limits on the number of daily operations?
Daily operation counts typically have bank-set limits; specifics are not public.
What are the minimum amounts for account funding?
No verified info on minimum deposit amounts.
What methods of funding are supported?
Account funding via bank transfer, card payments, and deposits at branch offices.
Are there fees for funding?
Usually no fees for funding by bank transfer; card funding fees may apply depending on the card issuer.
What are the minimum funding amounts?
Not publicly disclosed.
How quickly are funds credited when funding?
Bank transfers and card payments are usually credited within minutes to one business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, branch office, card payment, or bank transfer.
Are there fees for fund withdrawal?
ATM and card withdrawal fees may apply; specific fee details are not verified.
How long does withdrawal take?
Withdrawals typically process instantly or within one business day.
What withdrawal limits are set?
Limits depend on user profile and banking regulations; specifics not publicly noted.
How quickly are funds credited when funding with a card?
Card funding is usually credited instantly or within minutes.
How long does a bank transfer take?
Domestic transfers usually same day or next day; international may take 1-3 business days.
How quickly do cryptocurrency transfers arrive?
The bank does not provide cryptocurrency services.
Are transfers between users instant?
Transfers within the system like Vipps are generally instant.
Are there delays when funding on weekends?
Funding via transfers may be delayed outside banking hours on weekends.
Do holidays affect funding speed?
Banking holidays can delay transfer and funding processing.
Can crediting be accelerated for a fee?
No verified information on express funding services.
What determines the speed of funding processing?
Factors include funding method, time of day, banking holidays, and intermediary institutions.
Are there notifications about funding status?
Customers are typically notified by SMS or email about payment status.
What to do if funding takes too long?
Contact customer support for resolution; sometimes delays are due to banking system processing.
How quickly are withdrawal requests processed?
Usually processed same day or next banking day.
How long does card withdrawal take?
Card withdrawals are normally instant or up to one business day.
How quickly do bank transfers arrive?
Domestic transfers within one banking day; international can take longer.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Yes, withdrawals may be delayed due to banking holidays.
Can withdrawal be accelerated for an additional fee?
No public info on express withdrawal services.
What determines withdrawal processing time?
Method of withdrawal, internal bank processing, and external clearing systems affect timing.
Are there notifications about withdrawal status?
Customers commonly receive withdrawal confirmation via email or SMS.
Can a withdrawal request be canceled?
Withdrawal cancellation depends on processing stage; typically impossible once processed.
How to register with the payment service?
Registration involves booking a meeting, submitting documentation in person, and application approval.
What data is needed to create an account?
Valid personal identification, proof of residence, and for foreigners possibly a Norwegian ID number and income proof.
Can registration be done without email?
No verified information, but banks usually require some electronic contact information.
Is phone confirmation required during registration?
Phone contact details are generally required.
Are there age restrictions for registration?
Minimum age is usually 18 years for account opening.
Can a corporate account be created?
Yes, accounts for companies and SMEs are supported.
Is it required to provide real data?
Yes, identity verification and real data are mandatory by law.
Are there country restrictions for registration?
Accounts primarily for Norway residents; foreigners can apply but with additional steps.
How long does account activation take?
Activation occurs approximately one month after in-person agreement signing.
What verification levels exist?
Basic identity verification and additional verification based on services used.
What documents are required for basic verification?
Government-issued photo ID and proof of address.
Are documents needed for full verification?
Yes, additional documentation may be required for credit or advanced services.
Are digital copies of documents accepted?
Likely accepted for application but in-person verification is required.
How long does the verification procedure take?
Several days to weeks depending on document submission and service type.
Can the service be used without verification?
Limited functionality without full verification is standard in banking.
What restrictions apply to unverified users?
Restricted transaction limits and lack of access to full banking services.
Is address confirmation required?
Yes, address verification is part of customer due diligence.
Is a selfie with documents required?
Norwegian banks increasingly require selfie for identity verification, but no specific info available.
How often do documents need to be updated?
Typically every few years or upon changes in customer info.
What encryption technologies does the service use?
Industry-standard encryption such as TLS for online banking is used.
Is two-factor authentication supported?
Yes, BankID and two-factor authentication are used for login and transactions.
Are there SMS confirmations for operations?
SMS OTPs are commonly used for transaction confirmations.
Is biometric authentication supported?
Biometric login via mobile apps may be available through BankID solutions.
Is blockchain technology used?
No verified implementation of blockchain technology in payment services.
Is there a multi-level security system?
Standard multi-layered security including encryption, authentication, and monitoring.
How is user personal data protected?
Data protection follows GDPR and Norwegian privacy laws.
Is cold storage used for cryptocurrencies?
Not applicable as the bank does not offer crypto services.
Is there DDoS attack protection?
Banks implement DDoS protection to maintain service availability.
Are regular security audits conducted?
Regular internal and external audits are standard banking practice.
What anti-phishing protection measures are provided?
User education, secure login protocols, and fraud detection systems are in place.
Is there a suspicious activity detection system?
Yes, automated fraud monitoring and alerts for suspicious transactions exist.
How does the service combat money laundering?
Compliance with strict KYC, transaction monitoring, and reporting obligations.
Is there blocking of suspicious accounts?
Suspected fraud or money laundering accounts are blocked promptly.
What to do when fraud is detected?
Customers report to bank immediately; bank investigates and takes remedial action.
How to report suspicious activity?
Contact customer support or use secure bank communication channels.
Is there compensation for damage from fraudsters?
Norwegian banks typically offer protection and compensation under consumer protection laws.
What user rights exist for disputed transactions?
Rights include investigation, reversal, and dispute resolution under PSD2 and Norwegian laws.
How to dispute account blocking?
Contact support to provide information and appeal the decision.
Is there insurance against cyber attacks?
Banks maintain cyber insurance as part of risk management but specific policy details are confidential.
What fees does the service charge for transfers?
Fees vary by transfer type; domestic transfers often free or low fee; international transfers charged.
Are there fees for account funding?
Usually no fees for standard funding methods.
Are fees charged for fund withdrawal?
Fees may apply to some withdrawal methods; details depend on account type.
Are there fees for currency conversion?
Currency conversion fees or spreads may apply for foreign currency transactions.
Are there fees for account inactivity?
Some banks charge inactivity fees; no specific info for this bank.
Are there account maintenance fees?
Standard maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Typically, no fees unless costs are incurred by the bank.
Are there fees for expedited operations?
No public info on express service fees.
Are there hidden fees?
The bank provides transparent fee schedules as required by law.
How are fees calculated for large amounts?
Larger transactions may have tiered fee structures.
Are there different tariff plans in the service?
Various account types with different fee plans exist.
What advantages does VIP status provide?
No verified information about VIP account tiers.
How to get preferential conditions?
Banks generally offer preferential terms after relationship assessment.
Are there free operations per month?
Basic accounts commonly include a number of free transactions.
Are there discounts for active users?
No specific verified discount programs.
Are there corporate tariffs?
Corporate accounts come with specific fee schedules.
Can individual conditions be obtained?
Customized terms are sometimes available for key customers.
Do promotional codes work for fee reduction?
Not commonly used in traditional banking.
Are there cashback programs?
No verified cashback programs offered.
Are there discounts for transaction volumes?
No specific volume discounts publicly detailed.
Is there an official mobile application?
Yes, Høland og Setskog Sparebank offers an official mobile banking app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Account overview, payments, card management, transfers, and digital documentation.
Does functionality differ from the web version?
Mobile app offers core banking functions with some differences in user interface.
Is Touch ID/Face ID supported?
Biometric login is supported through BankID app integration.
Can the application work offline?
Basic offline features like viewing balance may be available; transactional features require connectivity.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
No verified information on dark mode availability.
How often is the mobile application updated?
Updates are released periodically to maintain security and add features.
Are there beta versions of the application?
No public info on beta testing programs.
Is the web interface of the service convenient?
The web platform is designed for straightforward user experience.
Is responsive design supported?
The web platform supports responsive design for mobile browsers.
In which languages is the interface available?
The interface is primarily in Norwegian.
Is there a night mode for the website?
No verified information on night mode.
Are hotkeys supported?
No public info on keyboard shortcut support.
Can data be exported?
Some export options for statements and transaction history are typically available.
Is there an API for developers?
No public API for third-party developers is available.
Is integration with other services supported?
Integration with common payment systems like Vipps, Apple Pay, Google Pay is supported.
How often is the web interface updated?
Website updates occur as needed for security and function improvements.
Are there virtual cards in the service?
No verified information about virtual card issuance.
Can disposable cards be created?
No information on disposable card availability.
Is multi-currency account functionality supported?
The bank primarily supports NOK accounts; multi-currency accounts are not verified.
Are there investment products?
Yes, savings and pension products are offered.
Can interest be earned on balance?
Interest is earned on savings and deposit accounts.
Are there credit products?
Consumer loans, car loans, mortgage loans, and credit cards are offered.
Is P2P trading supported?
No verified P2P trading services.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange services are provided.
Is there acquiring for business?
Merchant acquiring services are not specifically documented.
Are mass payouts supported?
No verified mass payout services.
Is there a loyalty program in the service?
No verified loyalty or reward program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No verified cashback.
Are there referral programs?
No confirmed referral incentive programs.
What privileges do VIP clients have?
No confirmed VIP client privileges.
Are there seasonal promotions and offers?
No specific seasonal promotions publicly noted.
Can premium status be obtained?
No verified premium account tiers.
Are there partner discounts?
No publicly available partner discount programs.
Are there corporate loyalty programs?
No verified corporate loyalty programs.
Does the service allow operations with online casinos?
No specific information on policies regarding online casino transactions.
Are there restrictions on gambling transactions?
Typically, Norwegian banks adhere to regulatory restrictions on gambling-related transactions.
Can accounts be blocked for casino play?
Suspension of accounts due to gambling may occur under regulatory or internal policy compliance.
How does the service view gambling?
Likely monitored subject to Norwegian financial regulations.
Are there special conditions for gambling?
No specific gambling-related terms are publicly documented.
Are casino transactions tracked?
Casino-related transactions would be tracked for compliance under AML laws.
Can operations with gambling sites be hidden?
Norwegian banks must comply with transparency and regulatory reporting.
Are there notifications about gambling expenses?
No verified specific gambling expense alerts.
Are there special fees for gambling operations?
No public information on special gambling fees.
Can limits be set on gambling?
No information on customer-set gambling limits.
Is there a self-exclusion function?
Norwegian banks often cooperate with national self-exclusion programs; no specific info available.
Can access to gambling sites be restricted?
Banks do not typically restrict site access, but may monitor transactions.
Is gambling expense control supported?
No verified support specifically for gambling expense control.
Are there notifications about limit exceedance?
No verified public notifications regarding spending limits.
Can operations with casinos be blocked?
Blocking is possible under anti-fraud or regulatory rules.
Is a "cooling-off period" supported?
No verified cooling-off policy.
Can help be obtained for gambling addiction?
Assistance is provided by affiliated social services in Norway, but not specifically by the bank.
Is there partnership with player assistance organizations?
No public info on such partnerships.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
No public list of casino acceptances for this bank's payment products.
Are there exclusive partnerships with specific casinos?
None publicly available.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
No public info about casino-related bonuses.
Can the method be used for both deposits and withdrawals in casinos?
No verified casino transaction support.
Are there geographic restrictions for casino usage?
Bank operations are primarily Norway focused.
How do casino operators typically process transactions from this method?
No information available.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Unknown.
Are there any known compatibility issues with major casino platforms?
No information available.