What is the official website of the payment service?
The official website is https://www.sognbank.no
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Where can I find the customer support contacts?
Customer support contacts can be found on the bank's "Contact us" page at www.sognbank.no/English/Contact-us with phone and email details.
What is the hotline phone number?
The main customer service phone number is +47 57 64 85 10
Is there a toll-free support number?
There is no verified information about a toll-free support number for Indre Sogn Sparebank; typically, regional banks offer local phone numbers.
What is the email address for technical support?
The general contact email is [email protected]; no specific separate email for technical support is publicly listed.
Are there separate emails for different types of inquiries?
There is no verified detail on specialized emails for different departments, usually handled via a general contact email and phone.
Where can I find the online chat support?
No verified online chat support information is available, common practice for regional banks includes phone and email support.
Does the chat support work 24/7?
Not verified; chat support is generally limited to business hours if available.
Is there support through messengers (Telegram, WhatsApp)?
Messenger support via platforms like Telegram or WhatsApp is not indicated for this bank.
What are the support working hours?
Support working hours are Monday to Friday 7:00 AM to 9:00 PM, and weekends from 9:00 AM to 9:00 PM.
Does support work on weekends and holidays?
Yes, support works on weekends between 9:00 AM and 9:00 PM; holiday coverage is not explicitly stated.
Are there regional offices for in-person visits?
Yes, there are multiple physical offices available for in-person visits in the region.
Where are the physical offices located?
Offices are located in Årdalstangen, Aurland, Bergen, Lærdal, Sogndal, Vik, Øvre Årdal, and others in Sogn og Fjordane area of Norway.
Can I schedule a personal meeting?
Yes, personal meetings can be scheduled via the website or by contacting the bank directly.
Are there representatives in different countries?
There is no indication of representatives outside Norway; this is a local savings bank primarily serving its regional market.
In which languages is support available?
Support is primarily available in Norwegian; some English information is provided on the website.
How quickly does support respond to requests?
Average response times are not publicly specified; typical banking response for calls and emails is within one business day.
Is there a priority system for VIP clients?
No verified information on VIP customer priority support; regional savings banks typically offer personalized service rather than formal VIP tiers.
Can I request a callback?
There is no explicit confirmation on callback services, but scheduling meetings and callbacks is common in traditional banking support.
When was the payment service founded?
Indre Sogn Sparebank was established in 1971 through the merger of three local banks.
Who is the founder and owner of the service?
Founded by merging Årdal Sparebank, Lærdal Sparebank, and Borgund Sparebank; it is a savings bank owned by its local depositors and the community.
In which country is the company registered?
The bank is registered in Norway.
What is the development history of the payment service?
Established in 1971 by merger, it became part of Sogn Sparebank in 2019 after further mergers.
Have there been major updates or rebranding?
In 2019, Indre Sogn Sparebank merged with Vik Sparebank and Aurland Sparebank to form Sogn Sparebank, signaling rebranding and consolidation.
Who sits on the company's board of directors?
Board includes Atle Terum (Chairman), Olav Vikøren, Marit Royrvik Eldegard, and others; a mix of directors and employee representatives.
Are there investors or partners in the service?
The bank is a member of Eika Gruppen, a Norwegian financial services group, which acts as a strategic partner.
Does the company participate in stock trading?
Sogn Sparebank is listed on the Oslo Stock Exchange under the ticker Y6M:STU.
What is the company's market capitalization?
Market capitalization is approximately 151.8 million NOK as of the latest data in 2025.
Are there subsidiary companies or branches?
The bank operates several regional branches but no public info on subsidiaries.
What licenses does the payment service have?
It holds standard Norwegian banking licenses for deposits, loans, and payment services under the Norwegian FSA.
In which jurisdictions does the service operate officially?
Operates officially within Norway, primarily in the Sogn og Fjordane region.
Are there licenses for cryptocurrency operations?
No verified information on cryptocurrency licenses or related services.
Does the service comply with AML/KYC requirements?
Yes, as a licensed Norwegian bank, it complies with stringent AML and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
No specific certificates detailed; standard banking security certifications and practices apply.
Has the service undergone security audits?
Regular security audits are standard industry practice, no public details specifically about audit history.
Is there insurance for client funds?
Client deposits are protected under the Norwegian Banks' Guarantee Fund covering deposits up to a defined limit.
Which international standards does it comply with?
Likely complies with EU and Norwegian banking directives, PSD2, GDPR, and local financial regulations.
Have there been any regulatory fines or violations?
No publicly reported regulatory fines or violations found.
Where can I find real reviews about the service?
User reviews may be found on Norwegian consumer forums and financial services review sites.
What are the main user complaints?
General banking complaints often relate to customer service wait times, digital platform limitations, or fees.
What do users most often praise the service for?
Users appreciate local knowledge, personalized service, and trustworthiness of the bank.
Are there issues with fund withdrawals?
No widespread withdrawal issues reported.
Is the interface convenient according to users?
The bank provides an accessible mobile and online banking platform praised for ease of use.
Are clients satisfied with transaction speed?
Transactions including transfers and payments are processed efficiently as per Nordic banking standards.
Do users recommend this service?
In general, customers recommend the bank for local personal and business banking relationships.
How do experts assess the service's reliability?
Experts view it as a stable regional Norwegian savings bank with sound financial practices.
Are there industry awards and recognitions?
No public information about specific awards or recognitions.
Does the service participate in payment system rankings?
No specific rankings for payment services publicly known.
Are there recommendations from financial regulators?
The bank complies with regulatory recommendations and oversight.
What reputation does the service have among partners?
It has a strong local reputation as a trustworthy partner with other financial institutions through Eika Gruppen.
How do they evaluate solution innovation?
The bank adopts standard banking innovations like mobile banking and digital payments but is not widely known as a market innovator.
Are there quality service certificates?
No specific quality certifications publicly listed.
Does the company participate in industry conferences?
Participation in regional or national financial sector events is typical but not specifically confirmed.
How does the service position itself in the market?
Positioned as a trusted local savings bank focused on personal service and community banking.
Which fiat currencies does the service support?
Supports Norwegian Krone (NOK) primarily, with capabilities for international payments in major currencies like EUR and USD.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported for transactions or accounts.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists.
Can currencies be converted within the service?
Currency conversion is available for foreign payments, integrated with banking services.
What exchange rates are used for conversion?
Exchange rates are based on market rates from partner banks and financial institutions.
How often are exchange rates updated?
Exchange rates update multiple times daily according to market fluctuations.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic currency support is limited, focusing on major global currencies.
Are there currency restrictions in different countries?
Transfers are subject to local and international forex regulations and sanctions.
What types of transfers does the service support?
Supports domestic bank transfers, international wire transfers, recurring payments, and mobile payments.
Can transfers be made between service users?
Yes, internal transfers between customer accounts are supported.
Are transfers to bank cards supported?
Card-to-card transfers are generally not a mainstream service; payments to cards may be possible via other services.
Can money be transferred to bank accounts?
Yes, transfers to domestic and international bank accounts are supported.
Is bill payment available?
Yes, bill payment services are available including AvtaleGiro and eFaktura for automated recurring bills.
Are recurring payments supported?
Yes, recurring payment setups such as AvtaleGiro automatic bill payments are supported.
Can automatic transfers be set up?
Automatic payments and transfers can be configured through online and mobile banking.
Is payment scheduling available?
Payment scheduling for future dates is supported in online banking.
Are group payments supported?
No specific information; group payment splitting is generally limited in traditional banking apps.
Can payment links be created?
No verified data on payment link creation functionality.
What are the minimum transaction amounts in the service?
Minimum transaction amounts depend on the payment type; small amounts for domestic transfers are typically supported.
What are the maximum amounts that can be transferred?
Maximum limits exist per transaction and day, defined by account type and regulatory compliance.
Are there daily limits on operations?
Daily transaction limits are imposed based on user verification and banking policies.
What monthly and annual limits are in effect?
Monthly and annual limits depend on account type and verification level as per regulatory requirements.
Can limits be increased? How?
Limits can generally be increased upon request subject to verification and approval by the bank.
Do limits differ for verified users?
Verified users usually benefit from higher transaction limits.
Are there restrictions for new accounts?
New accounts have stricter transaction limits until full verification is completed.
Do special limits apply in different countries?
Limits are influenced by local regulatory frameworks on cross-border transactions.
Can operations be temporarily blocked?
Operations can be temporarily blocked due to suspicion of fraud, regulatory orders, or compliance reasons.
Are there limits on the number of daily operations?
Number of allowed daily operations is limited by internal policy and fraud prevention measures.
What are the minimum amounts for account funding?
Minimum deposit amounts vary depending on account type and funding method.
What methods of funding are supported?
Funding is supported via bank transfers, card payments, and other common Norwegian funding methods.
Are there fees for funding?
Funding incurs minimal or no fees for standard transfer methods; fees vary depending on payment source.
What are the minimum funding amounts?
Minimum deposit thresholds depend on the payment method and account type.
How quickly are funds credited when funding?
Bank transfers are usually credited within 1-2 business days; card funding may be faster.
How can money be withdrawn from the system?
Withdrawals can be made through ATM withdrawals, bank transfers, and card-based cash outs.
Are there fees for fund withdrawal?
Withdrawal fees depend on method; ATM withdrawals and international transfers may carry fees.
How long does withdrawal take?
Withdrawals may take 1-3 business days depending on method and destination.
What withdrawal limits are set?
Withdrawal limits depend on account status and regulatory compliance.
How quickly are funds credited when funding with a card?
Card funding is often credited almost immediately or within a few hours.
How long does a bank transfer take?
Domestic bank transfers usually take same day or next business day; international transfers take longer.
How quickly do cryptocurrency transfers arrive?
No support for cryptocurrency transfers.
Are transfers between users instant?
Internal bank transfers are typically processed instantly or within minutes.
Are there delays when funding on weekends?
Weekend funding can be delayed due to banking hours and clearing cycles.
Do holidays affect funding speed?
Yes, holidays typically delay funding and withdrawal processing.
Can crediting be accelerated for a fee?
Express processing may be available for additional fees in some cases.
What determines the speed of funding processing?
Speed depends on payment method, clearing system, banking hours, and compliance checks.
Are there notifications about funding status?
Notifications are generally provided through online banking or mobile app alerts.
What to do if funding takes too long?
Contact customer support for investigation and resolution if funding is delayed.
How quickly are withdrawal requests processed?
Withdrawal requests are normally processed within 1-2 business days.
How long does card withdrawal take?
Card withdrawals at ATM are immediate; card-based transfers can take longer.
How quickly do bank transfers arrive?
Domestic transfers usually arrive same or next business day; international may take up to 3-5 days.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Yes, withdrawals starting on weekends may be delayed until next business day.
Do holidays affect withdrawal speed?
Yes, banking holidays delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options may be available with fees.
What determines withdrawal processing time?
Method, destination, banking hours, and compliance procedures affect withdrawal time.
Are there notifications about withdrawal status?
Withdrawal tracking and notifications are provided through digital banking interfaces.
Can a withdrawal request be canceled?
Cancellations may be possible if processed before execution; banking staff can assist.
How to register with the payment service?
Registration is done online or in-branch by providing personal identification and contact info.
What data is needed to create an account?
Required information includes name, address, identification number, email, and phone number.
Can registration be done without email?
Email is generally required for communication and online banking access.
Is phone confirmation required during registration?
Phone number confirmation is typically part of the registration and security process.
Are there age restrictions for registration?
Minimum age is usually 18 years to open personal banking accounts.
Can a corporate account be created?
Yes, the bank provides business accounts with appropriate documentation.
Is it required to provide real data?
Providing real and verified personal data is mandatory for compliance.
Are there country restrictions for registration?
Registration is primarily restricted to Norwegian residents or persons with valid Norwegian ID.
How long does account activation take?
Account activation may take from same day up to a few days depending on verification.
What verification levels exist?
Verification levels include basic ID verification and enhanced due diligence for higher limits.
What documents are required for basic verification?
Basic verification requires valid ID such as passport or national ID card.
Are documents needed for full verification?
Full verification may require proof of address and additional identity documents.
Are digital copies of documents accepted?
Digital submission of documents is generally accepted via online banking platforms.
How long does the verification procedure take?
Verification often takes 1-3 business days.
Can the service be used without verification?
Unverified service use is usually limited to account opening; transactions require verification.
What restrictions apply to unverified users?
Restrictions typically include lower transaction and withdrawal limits.
Is address confirmation required?
Yes, address verification is standard during account opening or upgrade.
Is a selfie with documents required?
Photo or selfie authentication may be required for identity verification.
How often do documents need to be updated?
Documents are refreshed periodically based on regulatory requirements, usually every 2-3 years.
What encryption technologies does the service use?
The bank uses industry-standard encryption such as TLS/SSL for transmitting data securely.
Is two-factor authentication supported?
Yes, 2FA is supported, often through BankID or other secure login methods.
Are there SMS confirmations for operations?
SMS verification is commonly used for transaction confirmations.
Is biometric authentication supported?
Biometric login is supported in the mobile banking app using FaceID or fingerprint scans.
Is blockchain technology used?
There is no public indication that blockchain technology is implemented.
Is there a multi-level security system?
Multi-layer security architecture including encryption, access controls, and monitoring is in place.
How is user personal data protected?
Personal data is protected under GDPR and Norwegian privacy laws with strict access controls.
Is cold storage used for cryptocurrencies?
Not applicable as the bank does not support cryptocurrencies.
Is there DDoS attack protection?
Standard DDoS mitigation and cybersecurity measures are implemented to protect services.
Are regular security audits conducted?
Security audits are regularly conducted to ensure compliance and system integrity.
What anti-phishing protection measures are provided?
Anti-phishing notices, secure login protocols, and user education are provided.
Is there a suspicious activity detection system?
The bank uses systems to monitor and detect suspicious account behavior to prevent fraud.
How does the service combat money laundering?
It employs AML controls, KYC processes, and transaction monitoring in line with regulations.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or suspicious activity are blocked pending investigation.
What to do when fraud is detected?
Customers should report immediately to support; investigations and mitigations follow banking protocols.
How to report suspicious activity?
Suspicious activity can be reported via phone, email, or online banking channels.
Is there compensation for damage from fraudsters?
The bank follows Norwegian deposit and compensation regulations for fraud losses.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized transactions under Norwegian and EU consumer protection laws.
How to dispute account blocking?
Account blocking can be challenged through customer support and formal complaint procedures.
Is there insurance against cyber attacks?
The bank likely holds cyber insurance as part of its risk management strategy.
What fees does the service charge for transfers?
Transfer fees vary by type; domestic transfers may have low or no fees; international transfers have defined charges.
Are there fees for account funding?
Account funding fees are generally minimal or waived for common methods.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; some may be free while others incur standard fees.
Are there fees for currency conversion?
Currency conversion usually includes a small fee or margin over market rates.
Are there fees for account inactivity?
Inactivity fees are uncommon but possible, depending on account type.
Are there account maintenance fees?
Maintenance fees may apply depending on account type and service level.
Are fees charged for operation cancellation?
Typically, no fees for transaction cancellation if done before execution.
Are there fees for expedited operations?
Express processing fees apply where faster service is requested.
Are there hidden fees?
The bank emphasizes transparency, with no known hidden fees.
How are fees calculated for large amounts?
Fees for large transactions are often tiered or fixed; details depend on specific service agreements.
Are there different tariff plans in the service?
Different pricing tiers exist for private and corporate clients.
What advantages does VIP status provide?
VIP benefits, if any, would include personalized service and preferential rates, although no explicit program is publicized.
How to get preferential conditions?
Preferential conditions may be granted through customer loyalty and business volume.
Are there free operations per month?
Some accounts include a limited number of free transactions monthly.
Are there discounts for active users?
Discounts may be available for active customers or high transaction volumes.
Are there corporate tariffs?
Corporate accounts have dedicated pricing structures.
Can individual conditions be obtained?
Custom pricing arrangements may be negotiated for large or special clients.
Do promotional codes work for fee reduction?
No information on promotional code usage is available.
Are there cashback programs?
Cashback programs are not common in Norwegian savings banks.
Are there discounts for transaction volumes?
Volume discounts may be available for corporate clients.
Is there an official mobile application?
Yes, there is an official mobile app for iOS and Android.
On which platforms is the application available?
The app is available on Apple App Store and Google Play Store.
What functions are available in the mobile application?
Mobile app functions include account overview, payments, transfers, card management, and transaction history.
Does functionality differ from the web version?
The mobile app supports most core features but may have a simplified interface compared to the web.
Is Touch ID/Face ID supported?
Yes, biometric authentication via Touch ID and Face ID is supported in the app.
Can the application work offline?
Core functions require online access; offline access is limited to previously cached info.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
Dark mode is available in the mobile app.
How often is the mobile application updated?
The app is updated periodically, typically every few weeks or months for improvements and fixes.
Are there beta versions of the application?
No public information on a beta testing program.
Is the web interface of the service convenient?
The web banking interface is user-friendly and aligns with modern UX standards.
Is responsive design supported?
Yes, the website supports responsive design for mobile and desktop.
In which languages is the interface available?
The interface is primarily in Norwegian, with English options for some sections.
Is there a night mode for the website?
No confirmed night mode for the web interface.
Are hotkeys supported?
No public info on keyboard shortcuts or hotkeys.
Can data be exported?
Users can export transaction histories typically in PDF or CSV formats.
Is there an API for developers?
No publicly available API is indicated.
Is integration with other services supported?
Integration with Apple Pay, Google Pay, and Vipps is supported.
How often is the web interface updated?
Updates are performed as needed, no public schedule.
Are there virtual cards in the service?
Virtual cards are not specifically mentioned.
Can disposable cards be created?
No info on disposable or temporary cards.
Is multi-currency account functionality supported?
Multi-currency accounts are not clearly indicated.
Are there investment products?
The bank offers savings and pension products.
Can interest be earned on balance?
Interest can be earned on savings and deposit accounts.
Are there credit products?
Home loans, personal loans, and credit cards are available.
Is P2P trading supported?
No peer-to-peer trading platform is offered.
Can cryptocurrencies be bought/sold?
Cryptocurrency trading services are not available.
Is there acquiring for business?
Merchant acquiring services are not explicitly mentioned.
Are mass payouts supported?
No specific info on bulk payments or mass payouts.
Is there a loyalty program in the service?
No public loyalty program information.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not offered.
Are there referral programs?
No data on referral incentives.
What privileges do VIP clients have?
See VIP status above; no public details.
Are there seasonal promotions and offers?
Seasonal promotions are not regularly publicized.
Can premium status be obtained?
Premium account upgrades are not detailed.
Are there partner discounts?
No mention of partner merchant discounts.
Are there corporate loyalty programs?
No specific corporate loyalty programs noted.
Does the service allow operations with online casinos?
No public info; Norwegian banks are generally restrictive with gambling transactions.
Are there restrictions on gambling transactions?
Likely restrictions in line with Norwegian regulations apply.
Can accounts be blocked for casino play?
Accounts can be blocked or flagged for suspicious gambling activity per compliance.
How does the service view gambling?
Norwegian banks typically monitor gambling-related transactions closely due to regulatory risks.
Are there special conditions for gambling?
Special gambling terms are generally regulatory-driven.
Are casino transactions tracked?
Yes, monitored for compliance and fraud prevention.
Can operations with gambling sites be hidden?
No; transparency and regulatory compliance require tracking.
Are there notifications about gambling expenses?
No specific gambling expense notifications.
Are there special fees for gambling operations?
No info on special fees; normal transaction fees apply.
Can limits be set on gambling?
Customers may set spending limits voluntarily; not publicly detailed.
Is there a self-exclusion function?
Norwegian financial institutions support self-exclusion measures in partnership with responsible gambling entities.
Can access to gambling sites be restricted?
Restrictions can be enforced via regulatory or banking controls.
Is gambling expense control supported?
Supported through external gambling addiction programs rather than banking tools.
Are there notifications about limit exceedance?
Not generally provided by the bank.
Can operations with casinos be blocked?
Yes, for compliance and regulatory reasons.
Is a "cooling-off period" supported?
Cooling-off measures are externally promoted; the bank focuses on regulatory compliance.
Can help be obtained for gambling addiction?
Referral support may be available through partner organizations.
Is there partnership with player assistance organizations?
No direct partnerships confirmed publicly.
How to set up gambling expense notifications?
Not available within the bank's services.
Which online casinos accept this payment method?
The bank card and Vipps may be used at casinos allowing Norwegian payment methods.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships.
Do conditions differ when used in different casinos?
Conditions follow the casino's own payment policies.
Are there special bonuses for using this method in casinos?
None known.
Can the method be used for both deposits and withdrawals in casinos?
Deposits mainly; withdrawals depend on casino policies.
Are there geographic restrictions for casino usage?
Payments follow Norwegian and casino jurisdictional restrictions.
How do casino operators typically process transactions from this method?
Transactions are processed as standard card or e-wallet payments.
Are there typical processing times when used with casinos?
Processing times vary by casino but are usually immediate for deposits.
Do casinos usually charge additional fees for this method?
Additional fees depend on casino policies, not the bank.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues.