What is the official website of the payment service?
The official website for Liedon Säästöpankki payment services is https://www.saastopankki.fi
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Where can I find the customer support contacts?
Customer support contacts can be found on the official website's customer service section and the contact us page of Liedon Säästöpankki.
What is the hotline phone number?
The main customer service phone number is 0100 5252 (within Finland).
Is there a toll-free support number?
There is no specific toll-free number found; however, customers calling from abroad can use +358 10 773 6777.
What is the email address for technical support?
No specific technical support email is publicly listed for Liedon Säästöpankki payment services.
Are there separate emails for different types of inquiries?
The general contact email provided is [email protected], mainly for organizational contact. Specific specialized emails are not publicly disclosed.
Where can I find the online chat support?
Online chat support is typically available via the main Säästöpankki website customer service portal.
Does the chat support work 24/7?
Chat support operates within business hours; it is not available 24/7.
Is there support through messengers (Telegram, WhatsApp)?
There is no information confirming support via Telegram or WhatsApp for Liedon Säästöpankki.
What are the support working hours?
Customer service is available Monday to Friday, 10:00 AM to 4:00 PM.
Does support work on weekends and holidays?
Support is not available on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, Liedon Säästöpankki has regional offices for customer visits.
Where are the physical offices located?
Offices are located at Hyvättyläntie 4, 2nd floor, Lieto, Finland; and Yliopistonkatu 21, 3rd floor, Turku, Finland.
Can I schedule a personal meeting?
Personal meetings can be scheduled, typically via phone or online arrangements, depending on customer needs.
Are there representatives in different countries?
Liedon Säästöpankki operates primarily in Finland; no information on international representatives.
In which languages is support available?
Support is primarily available in Finnish and Swedish; some English support may be offered.
How quickly does support respond to requests?
Response times vary; phone support is immediate during hours; email and online inquiries may take up to one business day.
Is there a priority system for VIP clients?
No public information on VIP client priority systems is available.
Can I request a callback?
Callback services are not explicitly mentioned but may be arranged through customer service.
When was the payment service founded?
Liedon Säästöpankki was established in 1895.
Who is the founder and owner of the service?
Specific founder details are not published; the bank is a locally governed Finnish savings bank.
In which country is the company registered?
The company is registered in Finland.
What is the development history of the payment service?
Liedon Säästöpankki has developed as a regional savings bank since 1895; it separated from the Savings Banks Group in March 2023 to operate independently.
Have there been major updates or rebranding?
The major recent update was its separation from the Savings Banks Group in 2023; the brand remains locally focused and independent.
Who sits on the company's board of directors?
Detailed board composition is not publicly disclosed.
Are there investors or partners in the service?
Liedon Säästöpankki is locally owned; partners include participation in the Finnish Savings Banks Group before separation.
Does the company participate in stock trading?
The bank is not publicly traded.
What is the company's market capitalization?
Not applicable since it is a private savings bank.
Are there subsidiary companies or branches?
It has local branches mainly in south-west Finland.
What licenses does the payment service have?
The bank is licensed as a regulated Finnish financial institution under local banking laws.
In which jurisdictions does the service operate officially?
Officially operates in Finland.
Are there licenses for cryptocurrency operations?
No public information about cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
Yes, the bank complies with Anti-Money Laundering (AML) and Know Your Customer (KYC) standards per Finnish regulations.
Are there security certificates (PCI DSS, etc.)?
The bank uses industry-standard security measures though specific certificates like PCI DSS are not explicitly mentioned.
Has the service undergone security audits?
Regular security audits are standard for Finnish banks, though no specific audit reports are publicly available.
Is there insurance for client funds?
Client deposits are protected under the Finnish deposit guarantee scheme.
Which international standards does it comply with?
The bank complies with applicable EU and Finnish banking standards and directives.
Have there been any regulatory fines or violations?
No publicly disclosed regulatory fines or violations.
Where can I find real reviews about the service?
Reviews may be found on Finnish financial forums and consumer review platforms.
What are the main user complaints?
Common complaints in banking include customer service wait times and digital service usability.
What do users most often praise the service for?
Users praise personal customer service and local presence.
Are there issues with fund withdrawals?
No significant withdrawal issues reported publicly.
Is the interface convenient according to users?
Digital services are regarded as functional though language availability may limit user segments.
Are clients satisfied with transaction speed?
Transactions conform to Finnish banking standards, with no major delays noted.
Do users recommend this service?
Many local customers recommend it for regional banking needs.
How do experts assess the service's reliability?
Experts view it as a stable local bank with trustworthy services.
Are there industry awards and recognitions?
No specific awards publicized.
Does the service participate in payment system rankings?
No publicly available participation data.
Are there recommendations from financial regulators?
The bank adheres to regulatory oversight with no adverse notices.
What reputation does the service have among partners?
It has a solid reputation within Finnish financial circles.
How do they evaluate solution innovation?
The bank focuses on reliable traditional banking with selective digital services.
Are there quality service certificates?
No specific certificates publicly listed.
Does the company participate in industry conferences?
No public information on industry event participation.
How does the service position itself in the market?
Positioned as a local, independent savings bank serving south-west Finland with personal service.
Which fiat currencies does the service support?
Primarily supports the Euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency exists.
Can currencies be converted within the service?
Currency conversion services likely available through traditional banking channels.
What exchange rates are used for conversion?
Standard interbank rates plus bank margin are used.
How often are exchange rates updated?
Exchange rates update regularly based on market conditions.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Handling exotic currencies is generally limited; main focus is on Eurozone currencies.
Are there currency restrictions in different countries?
Applies Finnish and EU regulations on currency controls.
What types of transfers does the service support?
Supports domestic and SEPA transfers, card payments, and online banking transfers.
Can transfers be made between service users?
Internal transfers within the bank are supported.
Are transfers to bank cards supported?
Transfers to bank cards are supported via card payment infrastructure.
Can money be transferred to bank accounts?
Yes, to Finnish and SEPA bank accounts.
Is bill payment available?
Bill payments are supported through online and mobile banking.
Are recurring payments supported?
Recurring payment options are available.
Can automatic transfers be set up?
Automatic transfers can be configured in online banking.
Is payment scheduling available?
Scheduling payments for future dates is supported.
Are group payments supported?
Group payment features are not specifically documented.
Can payment links be created?
No public information on payment link capabilities.
What are the minimum transaction amounts in the service?
Minimum amounts vary depending on the payment type; typically very low (e.g., €0.30 for bank transfers).
What are the maximum amounts that can be transferred?
Transfer maximums are subject to customer profile and regulatory limits.
Are there daily limits on operations?
Daily transaction limits apply to comply with AML and security policies.
What monthly and annual limits are in effect?
Monthly and annual limits vary based on account type and verification level.
Can limits be increased? How?
Limits can usually be increased by completing additional verification and contacting customer service.
Do limits differ for verified users?
Verified users have higher transaction limits.
Are there restrictions for new accounts?
New accounts have standard initial limits to prevent fraud.
Do special limits apply in different countries?
Limits are mainly governed by Finnish regulations applying uniformly.
Can operations be temporarily blocked?
Operations may be blocked due to suspicious activities or compliance reasons.
Are there limits on the number of daily operations?
Some daily operation count limits may apply to prevent abuse.
What are the minimum amounts for account funding?
Minimum funding amounts depend on the method but are generally low.
What methods of funding are supported?
Funding methods include bank transfers, debit cards, and deposits at branches.
Are there fees for funding?
Deposit fees are generally not charged for standard methods.
What are the minimum funding amounts?
Minimum deposits vary; usually minimal amounts (a few euros).
How quickly are funds credited when funding?
Funds are credited instantly or within one business day for transfers.
How can money be withdrawn from the system?
Withdrawals can be done via ATM, bank transfers, or branch cash withdrawals.
Are there fees for fund withdrawal?
Fees may apply for certain withdrawal methods or international transfers.
How long does withdrawal take?
Withdrawals typically process within 1-3 business days.
What withdrawal limits are set?
Limits depend on account type and security settings.
How quickly are funds credited when funding with a card?
Card-funded deposits are usually instant or near-instant.
How long does a bank transfer take?
Domestic bank transfers usually take same-day or one business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported.
Are transfers between users instant?
Internal bank transfers are generally instant.
Are there delays when funding on weekends?
Weekend transfers may be processed next business day.
Do holidays affect funding speed?
Public holidays can delay transfer processing.
Can crediting be accelerated for a fee?
No public information about express crediting fees.
What determines the speed of funding processing?
Bank processing times, transaction method, and compliance checks affect speed.
Are there notifications about funding status?
Customers receive notifications via online banking or SMS.
What to do if funding takes too long?
Contact customer service to investigate and resolve delays.
How quickly are withdrawal requests processed?
Withdrawals are processed typically within one to three business days.
How long does card withdrawal take?
Card withdrawals at ATMs are instant; transfers to card accounts follow usual bank timings.
How quickly do bank transfers arrive?
Bank transfers usually arrive the same or next business day.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed the next business day.
Do holidays affect withdrawal speed?
Yes, holiday schedules may delay processing.
Can withdrawal be accelerated for an additional fee?
No specific express withdrawal option is publicly stated.
What determines withdrawal processing time?
Processing depends on bank procedures, amount, method, and compliance.
Are there notifications about withdrawal status?
Withdrawal statuses are communicated via online banking and SMS alerts.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on the processing status and method.
How to register with the payment service?
Registration is done online or at branch with personal identification.
What data is needed to create an account?
Personal details, identification documents, and contact info are required.
Can registration be done without email?
Email is typically required for account registration.
Is phone confirmation required during registration?
Phone verification is commonly part of the registration.
Are there age restrictions for registration?
Minimum registration age is generally 18 years.
Can a corporate account be created?
Yes, corporate accounts are available with required business documentation.
Is it required to provide real data?
True and verified personal data must be provided for compliance.
Are there country restrictions for registration?
Mainly restricted to Finnish residents.
How long does account activation take?
Activation may take from immediate to a few business days depending on verification.
What verification levels exist?
Basic and enhanced verification levels are applied based on services used.
What documents are required for basic verification?
Valid government-issued ID and proof of address.
Are documents needed for full verification?
Additional documents such as income proof or business registration might be required.
Are digital copies of documents accepted?
Digital document submission is generally accepted.
How long does the verification procedure take?
Verification may take 1-5 business days.
Can the service be used without verification?
Limited functionality is available without full verification.
What restrictions apply to unverified users?
Unverified users face lower limits and restricted services.
Is address confirmation required?
Address proof is required for full account activation.
Is a selfie with documents required?
Selfie verification is generally not standard but may be requested for security.
How often do documents need to be updated?
Documents should be updated per regulatory requirements, typically every few years or on request.
What encryption technologies does the service use?
Uses industry-standard encryption protocols such as TLS/SSL for data protection.
Is two-factor authentication supported?
Yes, two-factor authentication is supported and encouraged.
Are there SMS confirmations for operations?
SMS confirmation is used for transaction verifications.
Is biometric authentication supported?
Biometric authentication is available via mobile banking app features.
Is blockchain technology used?
No public information about blockchain use.
Is there a multi-level security system?
Yes, multiple security layers protect account and transactions.
How is user personal data protected?
Data is protected under GDPR and Finnish data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard DDoS protection mechanisms are likely employed.
Are regular security audits conducted?
Regular internal and external security audits are standard practice.
What anti-phishing protection measures are provided?
Customer education and secure login protocols mitigate phishing risks.
Is there a suspicious activity detection system?
Fraud detection systems monitor and flag suspicious transactions.
How does the service combat money laundering?
AML policies include customer verification, transaction monitoring, and reporting suspicious activity to authorities.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or money laundering can be blocked promptly.
What to do when fraud is detected?
Customers should immediately contact customer service to report fraud.
How to report suspicious activity?
Via customer service phone, email, or branch visit.
Is there compensation for damage from fraudsters?
Banks in Finland typically provide compensation subject to investigation and terms.
What user rights exist for disputed transactions?
Users have dispute resolution rights under Finnish and EU banking regulations.
How to dispute account blocking?
Contact customer support and provide required documentation for review.
Is there insurance against cyber attacks?
The bank adheres to risk management practices; no public cyber insurance details available.
What fees does the service charge for transfers?
Transfer fees vary; many domestic transfers are free or incur modest charges.
Are there fees for account funding?
Deposits are generally free of charge.
Are fees charged for fund withdrawal?
Fees may apply for ATM withdrawals outside network or certain transfer types.
Are there fees for currency conversion?
Currency conversion fees apply based on bank's current rates and margins.
Are there fees for account inactivity?
Inactivity fees are uncommon but possible; specifics depend on account type.
Are there account maintenance fees?
Some account types may carry monthly maintenance fees.
Are fees charged for operation cancellation?
Cancellation fees are generally not applied for payment reversals.
Are there fees for expedited operations?
Express handling fees may apply for certain payments.
Are there hidden fees?
The bank discloses all fees transparently as per regulations.
How are fees calculated for large amounts?
Fees may be tiered based on amount thresholds or agreed in account terms.
Are there different tariff plans in the service?
Multiple tariff plans may exist including personal and business accounts.
What advantages does VIP status provide?
VIP status often includes faster service and preferential terms.
How to get preferential conditions?
Through relationship banking and meeting deposit or transaction criteria.
Are there free operations per month?
Basic accounts often include some free transactions monthly.
Are there discounts for active users?
Discounts or fee waivers may be offered for active clients.
Are there corporate tariffs?
Corporate accounts have separate tariffs reflecting higher usage.
Can individual conditions be obtained?
Negotiated conditions may be available for valued customers.
Do promotional codes work for fee reduction?
No public info on promotional code usage.
Are there cashback programs?
Cashback programs are not explicitly stated.
Are there discounts for transaction volumes?
Volume-based discounts may apply for corporate clients.
Is there an official mobile application?
Yes, there is an official Säästöpankki mobile app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Viewing balances, transferring money, bill paying, card management, mobile authentication.
Does functionality differ from the web version?
Mobile apps typically have streamlined features compared to full web banking.
Is Touch ID/Face ID supported?
Yes, biometric authentication like Touch ID and Face ID is supported.
Can the application work offline?
Limited offline functionality mainly for viewing cached info.
Are there push notifications about operations?
Push notifications are supported for transactions and alerts.
Is dark theme supported?
Dark mode availability depends on device settings and app version.
How often is the mobile application updated?
The app is updated regularly for security and features.
Are there beta versions of the application?
Beta testing programs are occasionally available.
Is the web interface of the service convenient?
The web interface is designed for ease of use and accessibility.
Is responsive design supported?
Yes, the web platform supports responsive design.
In which languages is the interface available?
Finnish and Swedish; some English support.
Is there a night mode for the website?
No specific night mode indicated for the web.
Are hotkeys supported?
Hotkey support is not generally available.
Can data be exported?
Data export is available for transaction histories.
Is there an API for developers?
No public developer API details are available.
Is integration with other services supported?
Integration with common services like payment gateways and accounting may be possible.
How often is the web interface updated?
The web platform is updated periodically by the bank.
Are there virtual cards in the service?
Virtual card issuance is supported by Säästöpankki services.
Can disposable cards be created?
Disposable/temporary card issuance is not explicitly stated.
Is multi-currency account functionality supported?
Mainly primary Euro accounts; multi-currency accounts are not standard.
Are there investment products?
Yes, the bank offers investment products alongside banking.
Can interest be earned on balance?
Interest may be earned depending on account type.
Are there credit products?
Various credit and loan products are available.
Is P2P trading supported?
Peer-to-peer trading is not part of standard banking.
Can cryptocurrencies be bought/sold?
Cryptocurrencies are not supported.
Is there acquiring for business?
Merchant acquiring services are available via partnerships.
Are mass payouts supported?
Bulk payment services for corporate clients are likely available.
Is there a loyalty program in the service?
No specific loyalty program details found.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not commonly offered.
Are there referral programs?
No public referral program information.
What privileges do VIP clients have?
VIP clients receive personalized services, higher limits, and faster support.
Are there seasonal promotions and offers?
Seasonal offers may be available periodically.
Can premium status be obtained?
Premium status likely achievable by meeting banking thresholds.
Are there partner discounts?
Partner discounts are not explicitly mentioned.
Are there corporate loyalty programs?
Corporate client loyalty programs may exist.
Does the service allow operations with online casinos?
No public statement; generally, Finnish banks monitor gambling transactions.
Are there restrictions on gambling transactions?
Gambling transaction restrictions are subject to Finnish laws and bank policies.
Can accounts be blocked for casino play?
Possible depending on compliance and risk assessments.
How does the service view gambling?
Gambling transactions are monitored to comply with regulations.
Are there special conditions for gambling?
Typically follows Finnish legal and banking standards.
Are casino transactions tracked?
Likely monitored for suspicious activity.
Can operations with gambling sites be hidden?
Transaction privacy complies with banking regulations and anti-money laundering rules.
Are there notifications about gambling expenses?
No specific gambling expense notifications noted.
Are there special fees for gambling operations?
Standard fees apply; no additional disclosed fees.
Can limits be set on gambling?
No specific gambling spending controls reported.
Is there a self-exclusion function?
Self-exclusion is managed via national and private gambling authorities.
Can access to gambling sites be restricted?
Banks do not typically restrict site access but monitor transactions.
Is gambling expense control supported?
Expense control features are general, not gambling-specific.
Are there notifications about limit exceedance?
General transaction limit alerts are provided.
Can operations with casinos be blocked?
Blocking may occur due to suspicious activity or regulatory reasons.
Is a "cooling-off period" supported?
Not applicable at the bank level.
Can help be obtained for gambling addiction?
Banks cooperate with organizations for problem gambling assistance.
Is there partnership with player assistance organizations?
No explicit partnerships indicated.
How to set up gambling expense notifications?
Utilize general transaction alerts and manage spending via online banking.
Which online casinos accept this payment method?
Not publicly listed.
Are there exclusive partnerships with specific casinos?
None disclosed.
Do conditions differ when used in different casinos?
No data on casino-specific conditions.
Are there special bonuses for using this method in casinos?
No special casino-related bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Usage depends on merchant acceptance and bank policies.
Are there geographic restrictions for casino usage?
Finnish regulation governs permissible gambling transaction geography.
How do casino operators typically process transactions from this method?
Via standard card or bank transfer methods following bank and regulatory guidelines.
Are there typical processing times when used with casinos?
Processing times align with regular payment methods.
Do casinos usually charge additional fees for this method?
Any fees charged are at casino discretion, not by the bank.
Are there any known compatibility issues with major casino platforms?
No public information on compatibility issues.