What is the official website of the payment service?
The official website of Jernbanepersonalets Sparebank is www.jbf.no.
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contact information is available on the "Kontakt oss" page on the official website www.jbf.no/kontakt-oss.
What is the hotline phone number?
The main customer service phone number is +47 21 62 26 00.
Is there a toll-free support number?
There is no verified information about a toll-free number; typically, Norwegian banks provide standard rate numbers.
What is the email address for technical support?
No verified specific technical support email is available; customer inquiries generally go through contact forms or general support addresses on the official site.
Are there separate emails for different types of inquiries?
As is common in banking practices, separate emails for various inquiries (such as loans, insurance, technical) are often provided on the website, but no specific addresses for Jernbanepersonalets Sparebank are verified.
Where can I find the online chat support?
No confirmed details were found about online chat support presence; many banks use web chat via their online banking portals or official websites.
Does the chat support work 24/7?
There is no verified information that chat support operates 24/7.
Is there support through messengers (Telegram, WhatsApp)?
No evidence of messenger-based customer support such as Telegram or WhatsApp.
What are the support working hours?
Verified customer support hours are Monday to Friday from 07:00 to 21:00, with weekend support from 09:00 to 18:00.
Does support work on weekends and holidays?
Yes, support is available on weekends during 09:00 to 18:00; holiday support is not specifically mentioned.
Are there regional offices for in-person visits?
Yes, the bank has regional offices for in-person visits.
Where are the physical offices located?
Offices are located in Oslo (head office), Drammen, Hamar, Kristiansand, Stavanger, Bergen, Trondheim, Mo i Rana, and Narvik.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting the bank via phone or online to book an appointment.
Are there representatives in different countries?
The bank primarily operates in Norway and does not have international representative offices.
In which languages is support available?
Customer support is mainly provided in Norwegian; English may be available but not officially stated.
How quickly does support respond to requests?
Typical banking customer service response times are within hours to one business day, depending on the contact channel.
Is there a priority system for VIP clients?
There is no specific verified information about VIP client priority support.
Can I request a callback?
Callback service availability is common in banks, but no explicit confirmation for this bank is found.
When was the payment service founded?
The bank was founded in 1885.
Who is the founder and owner of the service?
Founded by and for railway employees, it is a customer-owned savings bank.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
Started in 1885 for railway employees, it has evolved into a full-service bank under the JBF brand, expanding branch offices across Norway.
Have there been major updates or rebranding?
In August 2023, the bank rebranded from Jernbanepersonalets Sparebank to JBF Sparebank.
Who sits on the company's board of directors?
Specific details on board members are not publicly verified; as a customer-owned bank, governance includes elected representatives.
Are there investors or partners in the service?
The bank is part of the Eika Gruppen, a cooperative alliance of Norwegian savings banks.
Does the company participate in stock trading?
As a customer-owned savings bank, it is not publicly traded on stock exchanges.
What is the company's market capitalization?
Market capitalization data is not applicable as it is a non-public entity.
Are there subsidiary companies or branches?
JBF consists of JBF Sparebank and JBF Forsikring Gjensidig (insurance arm).
What licenses does the payment service have?
It is authorized and supervised by the Financial Supervisory Authority of Norway (Finanstilsynet).
In which jurisdictions does the service operate officially?
Officially operates within Norway.
Are there licenses for cryptocurrency operations?
No verified information about cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
As a licensed Norwegian bank, it complies with standard AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
Are there security certificates (PCI DSS, etc.)?
No public specifics, but Norwegian banks typically follow PCI DSS and related security standards.
Has the service undergone security audits?
No specific audit information is available, but regulatory supervision includes security reviews.
Is there insurance for client funds?
Deposits are insured up to 2,000,000 NOK under Norway's deposit guarantee scheme.
Which international standards does it comply with?
Complies with Norwegian financial regulations and EU-relevant banking standards.
Have there been any regulatory fines or violations?
No public information about fines or regulatory violations.
Where can I find real reviews about the service?
Reviews are available on Trustpilot and similar financial service review platforms.
What are the main user complaints?
Complaints often relate to account opening difficulties and customer service responsiveness.
What do users most often praise the service for?
Users frequently praise the bank's specialized offerings for railway employees and reliable insurance products.
Are there issues with fund withdrawals?
No widespread issues confirmed with withdrawals.
Is the interface convenient according to users?
No detailed verified feedback on interface usability; common issues often relate to onboarding processes.
Are clients satisfied with transaction speed?
No explicit transaction speed complaints found; typical bank transfer speeds apply.
Do users recommend this service?
Recommendations vary; loyal customers appreciate targeted services but some are discouraged by service hurdles.
How do experts assess the service's reliability?
Experts note it as a stable regional bank with good security and customer protections.
Are there industry awards and recognitions?
In 2022-2023, the insurance arm was recognized by EPSI for highest customer satisfaction in Norway.
Does the service participate in payment system rankings?
No specific payment system ranking participation is noted.
Are there recommendations from financial regulators?
The bank operates under full regulatory compliance in Norway.
What reputation does the service have among partners?
Positive reputation within the railway and transport sectors it serves.
How do they evaluate solution innovation?
Innovation is moderate, focused on customer-specific products and digital banking services.
Are there quality service certificates?
Standard banking certifications under Norwegian financial industry norms apply.
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 niche bank serving railway employees and their families with banking and insurance.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK).
Are cryptocurrencies supported? Which ones specifically?
No verified support for cryptocurrencies.
Can currencies be converted within the service?
Currency conversion services are typically available for standard currencies; detailed info unconfirmed.
What exchange rates are used for conversion?
Exchange rates would follow standard market rates offered by Norwegian banks.
How often are exchange rates updated?
Updated daily in accordance with market fluctuations.
Are stablecoins supported?
No support for stablecoins.
Can exotic currencies be handled?
No verified support for exotic currencies.
Are there currency restrictions in different countries?
As a Norwegian bank, currency handling is subject to Norwegian regulations and restrictions.
What types of transfers does the service support?
Domestic and international bank transfers, including SWIFT transfers.
Can transfers be made between service users?
Peer-to-peer transfers within customer accounts are standard banking practice.
Are transfers to bank cards supported?
No specific confirmation; typically bank card transfers are limited to payments and withdrawals.
Can money be transferred to bank accounts?
Yes, transfers to other bank accounts are supported.
Is bill payment available?
Yes, bill payment services are standard in Norwegian banking.
Are recurring payments supported?
Recurring payment setups are typically supported.
Can automatic transfers be set up?
Automatic transfers and payment scheduling are common banking services available.
Are group payments supported?
No specific information; group payment features may be limited.
Can payment links be created?
No verified payment link generation feature.
What are the minimum transaction amounts in the service?
No publicly available specifics; bank minimums generally apply.
What are the maximum amounts that can be transferred?
Subject to regulatory and internal bank limits; no exact figures.
Are there daily limits on operations?
Daily transaction limits are standard for security, not publicly specified.
What monthly and annual limits are in effect?
Limits exist in accordance with regulatory and internal policies.
Can limits be increased? How?
Limits can typically be raised after verification and bank approval.
Do limits differ for verified users?
Verified users generally have higher transaction limits.
Are there restrictions for new accounts?
New accounts usually face initial restrictions until full verification.
Do special limits apply in different countries?
Not applicable; the bank primarily operates in Norway.
Can operations be temporarily blocked?
Banks follow regulations to block suspicious or potentially fraudulent transactions.
Are there limits on the number of daily operations?
Yes, daily transaction frequency limits may be in place.
What are the minimum amounts for account funding?
No explicit information; usually varies by deposit method.
What methods of funding are supported?
Bank transfers, card payments, and possibly deposits via partner retail locations.
Are there fees for funding?
Deposit fees are rarely charged but may depend on the funding method.
What are the minimum funding amounts?
Varies by method; no fixed public data.
How quickly are funds credited when funding?
Typically instant to a few hours for card deposits; bank transfers may take 1-2 business days.
How can money be withdrawn from the system?
Via bank transfers, ATM withdrawals using debit cards, or internal transfers.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on method and amount.
How long does withdrawal take?
Withdrawals typically take 1-3 business days.
What withdrawal limits are set?
Limits apply per transaction and daily; details are internal bank policies.
How quickly are funds credited when funding with a card?
Usually instant or within minutes.
How long does a bank transfer take?
1-2 business days domestically; international transfers longer.
How quickly do cryptocurrency transfers arrive?
Not applicable—no crypto support verified.
Are transfers between users instant?
Internal transfers are generally instant or near-instant.
Are there delays when funding on weekends?
Some delay possible as banks process on business days.
Do holidays affect funding speed?
Yes, banking holidays can delay transactions.
Can crediting be accelerated for a fee?
Some banks allow express transfers for a fee; no verified specific info.
What determines the speed of funding processing?
Processing times depend on payment method, banking hours, and verification status.
Are there notifications about funding status?
Banks typically offer notifications via SMS, email, or app alerts.
What to do if funding takes too long?
Contact customer support for assistance and status updates.
How quickly are withdrawal requests processed?
Usually within one business day.
How long does card withdrawal take?
Instant at ATM; bank processing may take 1-2 days.
How quickly do bank transfers arrive?
Within 1-2 business days domestically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, processing resumes on next business day.
Do holidays affect withdrawal speed?
Yes, delays possible due to holidays.
Can withdrawal be accelerated for an additional fee?
Some banks offer express withdrawal options for fees.
What determines withdrawal processing time?
Bank policies, payment method, compliance checks, and banking hours.
Are there notifications about withdrawal status?
Notifications commonly provided by banks.
Can a withdrawal request be canceled?
Cancellation possible only if the withdrawal has not yet been processed.
How to register with the payment service?
Registration usually via online banking with personal identification and verification.
What data is needed to create an account?
Personal identification, contact details, and possibly proof of address.
Can registration be done without email?
Email is generally required for account creation and verification.
Is phone confirmation required during registration?
Phone number verification is commonly required.
Are there age restrictions for registration?
Minimum age is generally 18 years.
Can a corporate account be created?
Yes, business accounts are offered with additional documentation.
Is it required to provide real data?
Yes, identity verification requires real personal data by law.
Are there country restrictions for registration?
Registration is restricted to residents of Norway or people with Norwegian ID.
How long does account activation take?
Activation typically occurs within a few days after verification.
What verification levels exist?
Basic and enhanced verification levels based on customer risk profile.
What documents are required for basic verification?
Valid ID card or passport; proof of address.
Are documents needed for full verification?
Additional documents may include income proof or business licenses for corporate accounts.
Are digital copies of documents accepted?
Yes, scanned or photographed documents are usually accepted.
How long does the verification procedure take?
Usually 1-3 business days.
Can the service be used without verification?
Limited service available; full functionality requires verification.
What restrictions apply to unverified users?
Restrictions on transaction limits and access to services.
Is address confirmation required?
Yes, address verification is standard.
Is a selfie with documents required?
Increasingly common for remote verification but not specifically confirmed.
How often do documents need to be updated?
Typically every few years or upon request.
What encryption technologies does the service use?
Standard banking-grade encryption (e.g., TLS) used for data protection.
Is two-factor authentication supported?
Yes, 2FA is commonly available for login and transaction authorization.
Are there SMS confirmations for operations?
Yes, SMS verification for certain transactions is standard.
Is biometric authentication supported?
Possibly supported via mobile apps, though not explicitly confirmed.
Is blockchain technology used?
No verified use of blockchain technology in operations.
Is there a multi-level security system?
Yes, multilayered security systems are standard in banking.
How is user personal data protected?
Data protection complies with GDPR and Norwegian privacy regulations.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks implement DDoS protection measures.
Are regular security audits conducted?
Regular internal and external security audits are industry standard.
What anti-phishing protection measures are provided?
Measures such as email warnings and secure login practices are typical.
Is there a suspicious activity detection system?
Fraud detection and monitoring systems are standard.
How does the service combat money laundering?
Through strict KYC, monitoring, and reporting suspicious transactions.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or restricted per regulatory requirements.
What to do when fraud is detected?
Contact customer support immediately and follow bank guidance.
How to report suspicious activity?
Via customer service channels or dedicated fraud hotlines.
Is there compensation for damage from fraudsters?
Banks often insure and compensate victims of fraud within regulatory frameworks.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized or incorrect transactions under Norwegian law.
How to dispute account blocking?
Contact customer support and escalate via regulatory authorities if necessary.
Is there insurance against cyber attacks?
Banks maintain cyber risk insurance policies.
What fees does the service charge for transfers?
Fees vary by transfer type; domestic usually minimal, international higher.
Are there fees for account funding?
Typically no fees for standard deposits.
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on method.
Are there fees for currency conversion?
Conversion fees generally apply for foreign currency operations.
Are there fees for account inactivity?
Some banks charge inactivity fees; no specific info for this bank.
Are there account maintenance fees?
Maintenance fees may apply to certain accounts.
Are fees charged for operation cancellation?
Usually no fees, but policies vary.
Are there fees for expedited operations?
Express services may incur additional fees.
Are there hidden fees?
No evidence of hidden fees; transparency is regulated.
How are fees calculated for large amounts?
Fees may be percentage-based or tiered for large transactions.
Are there different tariff plans in the service?
Banks offer multiple account tiers or packages.
What advantages does VIP status provide?
VIP clients may have access to personalized services and fee discounts.
How to get preferential conditions?
Usually by meeting asset thresholds or banking relationships.
Are there free operations per month?
Some free monthly transactions may be included in account packages.
Are there discounts for active users?
Activity-based loyalty discounts may exist.
Are there corporate tariffs?
Corporate accounts have specialized pricing.
Can individual conditions be obtained?
Negotiated terms possible for large clients.
Do promotional codes work for fee reduction?
No evidence of promotional codes.
Are there cashback programs?
No verified cashback programs.
Are there discounts for transaction volumes?
Volume discounts may be offered in corporate banking.
Is there an official mobile application?
Yes, the bank provides an official mobile app.
On which platforms is the application available?
Available on iOS and Android.
What functions are available in the mobile application?
Account management, payments, transfers, card controls, notifications.
Does functionality differ from the web version?
Mobile apps often have streamlined features compared to full web platforms.
Is Touch ID/Face ID supported?
Likely supported on compatible devices.
Can the application work offline?
Limited offline functionality.
Are there push notifications about operations?
Push notifications are supported.
Is dark theme supported?
No confirmed dark mode support.
How often is the mobile application updated?
Regular updates; typically monthly or as needed.
Are there beta versions of the application?
No public beta program info.
Is the web interface of the service convenient?
Generally designed for usability with online banking features.
Is responsive design supported?
Likely supported for mobile and desktop access.
In which languages is the interface available?
Available primarily in Norwegian; possibly English.
Is there a night mode for the website?
Not confirmed.
Are hotkeys supported?
Not typically standard on banking web interfaces.
Can data be exported?
Transaction history and statements can be exported in common formats.
Is there an API for developers?
No public developer API is noted.
Is integration with other services supported?
Standard banking integrations with payment networks.
How often is the web interface updated?
Updated periodically with security and feature enhancements.
Are there virtual cards in the service?
No verified virtual card issuance.
Can disposable cards be created?
No evidence of disposable card offerings.
Is multi-currency account functionality supported?
No confirmed multi-currency accounts.
Are there investment products?
Investment products may be offered through partner services.
Can interest be earned on balance?
Yes, interest on savings accounts is standard.
Are there credit products?
Credit loans including consumer, car, and mortgage loans are available.
Is P2P trading supported?
Not confirmed for securities or crypto.
Can cryptocurrencies be bought/sold?
No verified cryptocurrency exchange services.
Is there acquiring for business?
Merchant acquiring services are typically offered by banks; no specific confirmation.
Are mass payouts supported?
Bulk payments may be facilitated for business clients.
Is there a loyalty program in the service?
No confirmed loyalty program.
How are bonus points earned?
Not applicable.
Are there referral programs?
Not confirmed.
What privileges do VIP clients have?
Personalized service, dedicated advisors.
Are there seasonal promotions and offers?
No public information.
Can premium status be obtained?
Through banking relationship and assets.
Are there partner discounts?
Possibly available through railway associations.
Are there corporate loyalty programs?
No publicly available details.
Does the service allow operations with online casinos?
No confirmed support.
Are there restrictions on gambling transactions?
Banks often restrict or monitor gambling-related transactions.
Can accounts be blocked for casino play?
Possible per banking policies.
How does the service view gambling?
Typically cautious and regulated.
Are there special conditions for gambling?
Not publicly disclosed.
Are casino transactions tracked?
Banking systems monitor transaction categories.
Can operations with gambling sites be hidden?
No, all transactions are subject to regulatory monitoring.
Are there notifications about gambling expenses?
Not specifically provided.
Are there special fees for gambling operations?
Not confirmed.
Can limits be set on gambling?
Banks may allow customer limits.
Is there a self-exclusion function?
No specific info; problem gambling prevention is generally encouraged.
Can access to gambling sites be restricted?
Not by bank; usually by other tools.
Is gambling expense control supported?
Not explicitly mentioned.
Are there notifications about limit exceedance?
Not confirmed.
Can operations with casinos be blocked?
Yes, per bank discretion.
Is a "cooling-off period" supported?
No specific info.
Can help be obtained for gambling addiction?
Not bank-provided, external services exist.
Is there partnership with player assistance organizations?
Not verified.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Bank policies apply per national law.
How do casino operators typically process transactions from this method?
Not applicable.
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?
Not applicable.