What is the official website of the payment service?
Kragerø Sparebank was merged with Bamble Sparebank to form Skagerrak Sparebank. The official website for the continuing bank service is https://www.skagerraksparebank.no.
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Where can I find the customer support contacts?
Customer support contacts can be found on Skagerrak Sparebank's official website under the "Contact" or "Customer Service" section.
What is the hotline phone number?
The main customer service phone number for Skagerrak Sparebank is +47 35 99 20 00.
Is there a toll-free support number?
There is no verified information regarding a toll-free support number; generally, banks may offer local or toll-free numbers for customer service, but none specifically verified here.
What is the email address for technical support?
The general contact email found is [email protected]; a specific technical support email is not clearly specified.
Are there separate emails for different types of inquiries?
There is no verified data on separate specialized emails; typically, financial institutions have distinct contacts for loans, technical support, and complaints available upon request or on their website.
Where can I find the online chat support?
Online chat support is often available within the bank’s online or mobile banking portals, but no specific chat URL or link is verified for Kragerø Sparebank or Skagerrak Sparebank.
Does the chat support work 24/7?
For many Norwegian banks, chat support is usually available during business hours; no explicit 24/7 chat support is confirmed here.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information on support through Telegram, WhatsApp, or other messenger apps.
What are the support working hours?
Available information for customer support hours typically ranges from early morning to late evening on weekdays, around 07:00–23:00, with limited weekend hours.
Does support work on weekends and holidays?
Customer service availability on weekends and holidays is limited; emergency services like card blocking may be available 24/7.
Are there regional offices for in-person visits?
Skagerrak Sparebank has regional offices where customers can visit in person.
Where are the physical offices located?
Original Kragerø Sparebank was located in Kragerø, Norway; Skagerrak Sparebank’s offices include locations in the Telemark and Vestfold regions of Norway.
Can I schedule a personal meeting?
Personal meetings can typically be scheduled by contacting the bank’s local offices by phone or through their website to book appointments.
Are there representatives in different countries?
There is no verified information that Kragerø Sparebank or Skagerrak Sparebank has representatives outside Norway.
In which languages is support available?
Support is primarily provided in Norwegian, with limited English assistance possibly available for international customers.
How quickly does support respond to requests?
Typical response times for bank customer services in Norway range from minutes for phone calls to one or two business days for emails.
Is there a priority system for VIP clients?
No specific verified information about VIP or priority support for high-value clients.
Can I request a callback?
Callback service availability is not explicitly verified; many banks provide callback options on request via phone or online contact forms.
When was the payment service founded?
Kragerø Sparebank was founded prior to its 2017 merger to form Skagerrak Sparebank.
Who is the founder and owner of the service?
The original Kragerø Sparebank was a local savings bank owned by its depositors and members. Now it is part of Skagerrak Sparebank and Eika Gruppen.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
Kragerø Sparebank operated independently until January 1, 2017, when it merged with Bamble Sparebank to form Skagerrak Sparebank, continuing to offer traditional and digital banking services.
Have there been major updates or rebranding?
The major rebranding event was the merger forming Skagerrak Sparebank in 2017.
Who sits on the company's board of directors?
Specific board member details are not verified; Skagerrak Sparebank’s board information may be available in their annual reports or official disclosures.
Are there investors or partners in the service?
The bank is a member of Eika Gruppen, a banking group network in Norway.
Does the company participate in stock trading?
Kragerø Sparebank was not publicly listed; as a savings bank, it typically does not have shares traded on stock exchanges.
What is the company's market capitalization?
Market capitalization is not applicable as the bank does not appear to be publicly traded.
Are there subsidiary companies or branches?
As of the merger, Kragerø Sparebank became part of Skagerrak Sparebank with branches in portions of southern Norway.
What licenses does the payment service have?
The bank operates with licenses regulated by the Financial Supervisory Authority of Norway.
In which jurisdictions does the service operate officially?
The service operates within Norway.
Are there licenses for cryptocurrency operations?
No verified information indicates Kragerø Sparebank or its successor holds cryptocurrency operation licenses.
Does the service comply with AML/KYC requirements?
The bank complies with Norwegian and EU AML (Anti-Money Laundering) and KYC (Know Your Customer) regulatory requirements as standard practice.
Are there security certificates (PCI DSS, etc.)?
While no specific certificates for Kragerø Sparebank are listed, licensed Norwegian banks conform to PCI DSS and equivalent security standards.
Has the service undergone security audits?
Regular security audits are industry standard for banks regulated under Norwegian law; specific audit history is not publicly verified.
Is there insurance for client funds?
Deposits are protected up to 2,000,000 NOK per depositor through Norway’s deposit guarantee scheme.
Which international standards does it comply with?
Compliance includes EU directives such as PSD2, GDPR for data privacy, and Norwegian banking regulations.
Have there been any regulatory fines or violations?
No public information found on fines or violations related to Kragerø Sparebank.
Where can I find real reviews about the service?
Reviews may be found on Norwegian consumer finance sites or banking review platforms, but no direct link verified.
What are the main user complaints?
Common complaints in banking include customer service responsiveness, digital platform usability, and fees, but no verified specifics for Kragerø Sparebank.
What do users most often praise the service for?
Users often praise local savings banks for personalized service and local community engagement.
Are there issues with fund withdrawals?
No broad issues documented; fund withdrawals typically follow standard banking regulations and procedures.
Is the interface convenient according to users?
No specific feedback found; Norwegian banks usually offer user-friendly online and mobile banking interfaces.
Are clients satisfied with transaction speed?
Transaction speeds for domestic payments and transfers typically meet or exceed customer expectations.
Do users recommend this service?
No verified recommendation statistics; loyalty is typical in regional banks with local customer bases.
How do experts assess the service's reliability?
Experts consider Norwegian savings banks to be stable and reliable financial institutions.
Are there industry awards and recognitions?
No specific awards related to Kragerø Sparebank publicly verified.
Does the service participate in payment system rankings?
No public data on participation in industry payment system rankings.
Are there recommendations from financial regulators?
The bank meets regulatory standards required by Norwegian authorities with no negative notices.
What reputation does the service have among partners?
The bank is a member of the Eika Gruppen cooperative network, indicating strong partner collaboration.
How do they evaluate solution innovation?
Innovation is evolving through digital banking offerings by Skagerrak Sparebank post-merger.
Are there quality service certificates?
No specific quality certificates publicly referenced.
Does the company participate in industry conferences?
No direct public information; banks often participate in local and national financial conferences.
How does the service position itself in the market?
Positioned as a regional savings bank focusing on personal banking and local community engagement.
Which fiat currencies does the service support?
Primarily supports Norwegian krone (NOK) and foreign currency transfers through SWIFT in major currencies like EUR, USD.
Are cryptocurrencies supported? Which ones specifically?
No verified cryptocurrency support.
Is there a proprietary cryptocurrency or token?
No known proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is available typically for international payments in major currencies.
What exchange rates are used for conversion?
Exchange rates used are generally market-based rates with possible bank margins.
How often are exchange rates updated?
Exchange rates are updated in near real-time or daily, depending on currency exchange systems.
Are stablecoins supported?
No information on stablecoin support.
Can exotic currencies be handled?
Exotic currency support is limited, with primary focus on major international currencies.
Are there currency restrictions in different countries?
Currency use restrictions conform to Norwegian and international banking regulations.
What types of transfers does the service support?
Supports domestic transfers, international SWIFT transfers, and internal payments.
Can transfers be made between service users?
Peer-to-peer transfers within the bank are supported.
Are transfers to bank cards supported?
Transfers to bank cards are not standard; payments typically rely on account numbers.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts in Norway and internationally via SWIFT are supported.
Is bill payment available?
Bill payment service is available through online and mobile banking.
Are recurring payments supported?
Recurring payment setup through banking portals is generally available.
Can automatic transfers be set up?
Automatic repeated transfers can be scheduled by users.
Is payment scheduling available?
Payment scheduling with future dates is a standard offered feature.
Are group payments supported?
No specific group payment feature verified; common banking platforms may support split payments.
Can payment links be created?
No specific verified information on generating payment links.
What are the minimum transaction amounts in the service?
No explicit minimum transaction amounts found; often minimums may be very low or none for electronic payments.
What are the maximum amounts that can be transferred?
Limits vary by account type; no concrete maximums verified for Kragerø Sparebank.
Are there daily limits on operations?
Daily transaction limits apply for security and regulatory reasons; exact values are bank-specific.
What monthly and annual limits are in effect?
Monthly and annual limits are subject to bank policies and customer verification status.
Can limits be increased? How?
Limits can be increased upon verification and request through customer service.
Do limits differ for verified users?
Verified users generally have higher transaction and transfer limits.
Are there restrictions for new accounts?
New accounts may have initial limits and restrictions until verification is completed.
Do special limits apply in different countries?
Cross-border transaction limits follow international regulations.
Can operations be temporarily blocked?
Accounts and operations can be temporarily blocked for suspicion of fraud or compliance reasons.
Are there limits on the number of daily operations?
Limits on the number of transactions per day exist to prevent abuse.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by deposit method; no specific verified thresholds found.
What methods of funding are supported?
Funding options include bank transfers, cash deposits at branch, and possibly card deposits depending on service.
Are there fees for funding?
Funding fees are usually minimal or zero for standard transfers within Norway.
What are the minimum funding amounts?
Minimum funding amounts depend on deposit method, generally low or none for electronic transfers.
How quickly are funds credited when funding?
Electronic transfers are usually credited same-day or instant within Norway.
How can money be withdrawn from the system?
Withdrawals via ATM cards, branch withdrawals, and electronic transfer are typical methods.
Are there fees for fund withdrawal?
Withdrawal fees may apply, especially for ATM withdrawals outside the bank’s network.
How long does withdrawal take?
Withdrawals from ATMs are instant; electronic bank transfers may take 1-3 business days.
What withdrawal limits are set?
Withdrawal limits vary by account type and verification level.
How quickly are funds credited when funding with a card?
Card funding crediting times depend on the bank; often instant or same-day.
How long does a bank transfer take?
Domestic bank transfers in Norway typically complete within hours or one business day; international transfers may take 2-3 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal bank transfers are typically instant.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day.
Do holidays affect funding speed?
Bank holidays delay processing times.
Can crediting be accelerated for a fee?
Express processing options may be offered for a fee.
What determines the speed of funding processing?
Processing speed depends on payment system used, bank processing times, and compliance checks.
Are there notifications about funding status?
Users generally receive notifications about transaction statuses via SMS or email.
What to do if funding takes too long?
Contact customer support to investigate delays in funding.
How quickly are withdrawal requests processed?
Withdrawal requests are processed depending on method, typically same-day or next business day.
How long does card withdrawal take?
ATM withdrawals are generally instant.
How quickly do bank transfers arrive?
Bank transfers usually arrive within one business day domestically.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals not applicable.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends are processed next business day.
Do holidays affect withdrawal speed?
Holidays delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services may be available for extra fees.
What determines withdrawal processing time?
Bank policies, compliance checks, and payment network speeds influence timing.
Are there notifications about withdrawal status?
Withdrawal notifications via email or SMS are standard.
Can a withdrawal request be canceled?
Withdrawal cancellation policies vary; usually possible before processing completion.
How to register with the payment service?
Registration typically requires visiting the bank in person or online with a Norwegian personal number.
What data is needed to create an account?
Required data include identity documents, personal details, and Norwegian social security number.
Can registration be done without email?
Email may be optional, but necessary for digital communication.
Is phone confirmation required during registration?
Phone verification or confirmation is commonly part of registration.
Are there age restrictions for registration?
Minimum age is typically 18 years for full banking services.
Can a corporate account be created?
Corporate accounts can be created with proper business documentation.
Is it required to provide real data?
Banks require accurate personal and identification data for compliance.
Are there country restrictions for registration?
Registration is restricted to residents or those with Norwegian personal number.
How long does account activation take?
Activation after approval may take up to one month.
What verification levels exist?
Verification generally includes basic and full KYC levels.
What documents are required for basic verification?
Valid passport, Norwegian personal number, and proof of address.
Are documents needed for full verification?
Additional documentation such as income statements may be required.
Are digital copies of documents accepted?
Digital submission of documents is generally accepted.
How long does the verification procedure take?
Verification may take from days to a few weeks.
Can the service be used without verification?
Unverified accounts have limited functionality.
What restrictions apply to unverified users?
Limits on transaction size and access to certain services.
Is address confirmation required?
Address verification is standard.
Is a selfie with documents required?
Some banks require photo verification or selfies for identity proof.
How often do documents need to be updated?
Updates depend on regulatory requirements; typically periodically or when changes occur.
What encryption technologies does the service use?
Banks use SSL/TLS encryption and industry-standard protocols.
Is two-factor authentication supported?
2FA is supported and commonly used for login and transactions.
Are there SMS confirmations for operations?
SMS verification is commonly used for sensitive transactions.
Is biometric authentication supported?
Mobile banking apps may support biometric login (fingerprint/Face ID).
Is blockchain technology used?
No public evidence of blockchain use.
Is there a multi-level security system?
Security architecture includes multiple layers of authentication and encryption.
How is user personal data protected?
Through compliance with GDPR and internal security policies.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks implement DDoS mitigation measures.
Are regular security audits conducted?
Regular security audits are standard practice.
What anti-phishing protection measures are provided?
User education and technical safeguards against phishing.
Is there a suspicious activity detection system?
Fraud detection systems monitor suspicious transactions.
How does the service combat money laundering?
AML policies, transaction monitoring, and compliance programs are in place.
Is there blocking of suspicious accounts?
Suspicious accounts are subject to blocking and investigation.
What to do when fraud is detected?
Report immediately to customer support.
How to report suspicious activity?
Report via customer service phone or email.
Is there compensation for damage from fraudsters?
Compensation policies vary depending on circumstances.
What user rights exist for disputed transactions?
Users have rights to dispute and request investigation under consumer protection laws.
How to dispute account blocking?
Contact customer service with relevant documentation to appeal.
Is there insurance against cyber attacks?
Banks typically carry cyber liability insurance.
What fees does the service charge for transfers?
Fees vary by type, amount, and destination; example fees for international payments around 30-75 NOK.
Are there fees for account funding?
Funding is usually free, except specific methods that may incur fees.
Are fees charged for fund withdrawal?
ATM withdrawals and some transfers may incur fees.
Are there fees for currency conversion?
Currency exchange fees typically range around 2% mark-up.
Are there fees for account inactivity?
No verified inactivity fees.
Are there account maintenance fees?
Maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
No standard fees for cancellation.
Are there fees for expedited operations?
Express services may include added fees.
Are there hidden fees?
Norwegian banks are required to maintain fee transparency.
How are fees calculated for large amounts?
Usually percentage-based fees or fixed tariffs.
Are there different tariff plans in the service?
Tiered pricing plans may be available for different customer types.
What advantages does VIP status provide?
No verified info on VIP program benefits.
How to get preferential conditions?
May be granted based on account size or relationship status.
Are there free operations per month?
Some transaction types may be free within limits.
Are there discounts for active users?
No confirmed discount schemes.
Are there corporate tariffs?
Business accounts have separate tariff plans.
Can individual conditions be obtained?
Negotiation for custom terms possible for large clients.
Do promotional codes work for fee reduction?
No verified promotional fee reductions.
Are there cashback programs?
No specific cashback programs verified.
Are there discounts for transaction volumes?
Volume discounts not verified.
Is there an official mobile application?
Skagerrak Sparebank offers official mobile banking apps.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Mobile app supports payments, transfers, account overview, card management, and notifications.
Does functionality differ from the web version?
Mobile apps may have fewer features than full web banking portals.
Is Touch ID/Face ID supported?
Biometric login typically supported on mobile apps.
Can the application work offline?
Limited offline functionality; most features require internet.
Are there push notifications about operations?
Push notifications about transactions available.
Is dark theme supported?
Dark mode availability depends on app version.
How often is the mobile application updated?
Apps update periodically; frequency depends on vendor.
Are there beta versions of the application?
Beta testing programs may exist but are not publicized.
Is the web interface of the service convenient?
Norwegian banks strive for user-friendly web interfaces.
Is responsive design supported?
Responsive design is standard for bank websites.
In which languages is the interface available?
Norwegian primarily; English may be supported for some users.
Is there a night mode for the website?
No confirmed night mode for web interface.
Are hotkeys supported?
Hotkey support unlikely.
Can data be exported?
Data export options for statements usually available.
Is there an API for developers?
No public API offerings verified.
Is integration with other services supported?
Integration with common payment networks and digital wallets like Apple Pay and Vipps.
How often is the web interface updated?
Updates as needed; frequency not publicly disclosed.
Are there virtual cards in the service?
Virtual card issuance not confirmed.
Can disposable cards be created?
No verified disposable card services.
Is multi-currency account functionality supported?
Multi-currency accounts are generally not common; transfers support multiple currencies.
Are there investment products?
Investment services available through parent group or partners.
Can interest be earned on balance?
Interest paid on certain deposit accounts.
Are there credit products?
Credit products such as loans and credit cards are offered.
Is P2P trading supported?
No peer-to-peer trading market verified.
Can cryptocurrencies be bought/sold?
Cryptocurrencies not supported.
Is there acquiring for business?
Merchant acquiring services may be available through parent group.
Are mass payouts supported?
Bulk payment services might be offered to business clients.
Is there a loyalty program in the service?
No verified loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No specific cashback for operations verified.
Are there referral programs?
Referral program data not verified.
What privileges do VIP clients have?
Not verified.
Are there seasonal promotions and offers?
Not verified.
Can premium status be obtained?
Not verified.
Are there partner discounts?
Not verified.
Are there corporate loyalty programs?
Not verified.
Does the service allow operations with online casinos?
No verified service support or policy for online casinos.
Are there restrictions on gambling transactions?
Banks commonly restrict or monitor gambling-related transactions under compliance rules.
Can accounts be blocked for casino play?
Account blocking for gambling suspected activities is generally possible.
How does the service view gambling?
Norwegian banks follow strict regulatory compliance that monitors gambling transactions.
Are there special conditions for gambling?
Not publicly verified.
Are casino transactions tracked?
Likely tracked under compliance requirements.
Can operations with gambling sites be hidden?
Transaction privacy standards apply; hiding specific transactions is not typical.
Are there notifications about gambling expenses?
Not verified.
Are there special fees for gambling operations?
Not verified.
Can limits be set on gambling?
User controls for spending limits may be supported.
Is there a self-exclusion function?
Banks support self-exclusion programs per regulations.
Can access to gambling sites be restricted?
Banks do not usually restrict site access directly.
Is gambling expense control supported?
Not verified.
Are there notifications about limit exceedance?
Not verified.
Can operations with casinos be blocked?
Possible under fraud or compliance suspicions.
Is a "cooling-off period" supported?
Not verified.
Can help be obtained for gambling addiction?
Banks may provide information for customers needing help.
Is there partnership with player assistance organizations?
Not verified.
How to set up gambling expense notifications?
Not verified.
Which online casinos accept this payment method?
Not applicable.
Are there exclusive partnerships with specific casinos?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Not applicable.
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.