What is the official website of the payment service?
https://luster-sparebank.no
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contacts are available on the "Kontakt oss" page on the official website https://luster-sparebank.no/kontakt-oss/
What is the hotline phone number?
+47 57 68 27 00
Is there a toll-free support number?
No verified information about a toll-free number is available; typically, local Norwegian banks use standard local numbers.
What is the email address for technical support?
[email protected]
Are there separate emails for different types of inquiries?
Yes, for example, [email protected] is available for one branch; different emails may be used for separate branches or departments.
Where can I find the online chat support?
No verified information about online chat support on the official site; usually, it would appear on the main site or mobile banking app if available.
Does the chat support work 24/7?
No confirmed 24/7 chat support information is available for Luster Sparebank.
Is there support through messengers (Telegram, WhatsApp)?
No verified information on support through Telegram, WhatsApp, or other messengers.
What are the support working hours?
Customer service phone support is available Monday, Tuesday, Wednesday, and Friday from 8:00 to 15:00, Thursday from 8:00 to 16:30; branch office hours generally 10:00 to 15:00 weekdays.
Does support work on weekends and holidays?
No, customer support does not operate on weekends or public holidays according to provided branch hours.
Are there regional offices for in-person visits?
Yes, Luster Sparebank has physical offices available for in-person visits.
Where are the physical offices located?
Main office at Øyagata 2, 6868 Gaupne, Norway; a branch office at Buene, 6869 Hafslo, Norway.
Can I schedule a personal meeting?
Yes, personal meetings can be scheduled via the contact form on the website or by phone.
Are there representatives in different countries?
No confirmed information on international representative offices; operations are focused in Norway.
In which languages is support available?
Support primarily available in Norwegian; no verified information about other language support.
How quickly does support respond to requests?
No specific response time data available; typical banking responses vary within 1-3 business days.
Is there a priority system for VIP clients?
No verified information on VIP priority support.
Can I request a callback?
Yes, callback service is available by filling out a form with preferred time on their contact page.
When was the payment service founded?
Luster Sparebank was founded in 1848.
Who is the founder and owner of the service?
The bank is a Norwegian savings bank; specific founder details are not publicly detailed but ownership is typical of Norwegian savings banks (local communities and customers).
In which country is the company registered?
Registered in Norway.
What is the development history of the payment service?
Founded in 1848, it has developed into a regional savings bank offering retail banking, business banking, loans, savings, and payment services.
Have there been major updates or rebranding?
No specific major rebranding details found.
Who sits on the company's board of directors?
No detailed public information on current board members was found.
Are there investors or partners in the service?
The bank operates as a savings bank, ownership is typically local and customers; specific external investors or partners not confirmed.
Does the company participate in stock trading?
No, Luster Sparebank is not publicly listed.
What is the company's market capitalization?
Not applicable as it is not publicly traded.
Are there subsidiary companies or branches?
Has branch offices in Gaupne and Hafslo; no large subsidiaries reported.
What licenses does the payment service have?
Licensed as a bank and financial institution by the Financial Supervisory Authority of Norway (Finanstilsynet).
In which jurisdictions does the service operate officially?
Operates officially in Norway.
Are there licenses for cryptocurrency operations?
No verified cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, it complies with Norwegian AML/KYC regulations, standard for licensed banks.
Are there security certificates (PCI DSS, etc.)?
No specific publicly available info on PCI DSS or other certifications.
Has the service undergone security audits?
Industry best practice would include regular audits; no specific audit reports found publicly.
Is there insurance for client funds?
Deposits are protected up to 2,000,000 NOK under the Norwegian Banks' Guarantee Fund (NBGF).
Which international standards does it comply with?
Complies with Norwegian/EU banking regulations and industry standards.
Have there been any regulatory fines or violations?
No public record of fines or violations.
Where can I find real reviews about the service?
Reviews may be found on local banking forums and Norwegian financial review platforms.
What are the main user complaints?
No verified common complaints specific to Luster Sparebank are publicly available.
What do users most often praise the service for?
Generally praised for local customer service and community banking focus.
Are there issues with fund withdrawals?
No widespread reports of withdrawal issues were found.
Is the interface convenient according to users?
The bank offers mobile and internet banking; user convenience specifics not publicly rated.
Are clients satisfied with transaction speed?
Standard banking transaction speeds apply; international payments take 2-8 banking days depending on destination.
Do users recommend this service?
No extensive public recommendation statistics.
How do experts assess the service's reliability?
Considered reliable due to regulatory supervision and long history.
Are there industry awards and recognitions?
No public info on specific awards.
Does the service participate in payment system rankings?
No information found about ranking participation.
Are there recommendations from financial regulators?
Licensed and supervised by Finanstilsynet, which endorses compliance.
What reputation does the service have among partners?
Has partnerships typical of Norwegian banks but no specific data found.
How do they evaluate solution innovation?
No publicly noted innovation awards or recognitions.
Are there quality service certificates?
No public certificates detailed.
Does the company participate in industry conferences?
No specific information about conference participation.
How does the service position itself in the market?
Positioned as a regional Norwegian savings bank focusing on personal and SME banking.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK); accepts international currencies through payment networks for transfers.
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency support reported.
Can currencies be converted within the service?
Standard currency exchange for international payments via correspondent banking.
What exchange rates are used for conversion?
Industry standard rates applied; specific rate sources not stated.
How often are exchange rates updated?
Not publicly specified; typical daily updates in banking.
Can exotic currencies be handled?
Limited to major currencies supported by correspondent banking.
Are there currency restrictions in different countries?
Yes, certain countries and currencies are restricted for international payments.
What types of transfers does the service support?
Domestic transfers, international payments, bill payments, and peer-to-peer.
Can transfers be made between service users?
Yes, transfers between own accounts and to other users supported.
Are transfers to bank cards supported?
No specific service for direct card transfers publicly documented.
Can money be transferred to bank accounts?
Yes, standard domestic and international transfers to bank accounts.
Is bill payment available?
Yes, bill payment services available via internet and mobile banking.
Are recurring payments supported?
Generally supported as part of payment services.
Can automatic transfers be set up?
Typical banking automatic payment scheduling are available.
Are group payments supported?
Not specifically documented.
Can payment links be created?
No public information on payment link creation.
What are the minimum transaction amounts in the service?
Not publicly stated.
What are the maximum amounts that can be transferred?
Limits depend on account type and verification, typically aligned with regulatory rules.
Are there daily limits on operations?
Yes, banks set daily limits to comply with regulations.
What monthly and annual limits are in effect?
Depending on agreements and regulatory compliance.
Can limits be increased? How?
Limits can be increased by contacting the bank and providing additional verification.
Do limits differ for verified users?
Yes, verified users usually have higher limits.
Are there restrictions for new accounts?
New accounts have initial restrictions and verification requirements.
Do special limits apply in different countries?
Yes, depending on international regulations.
Can operations be temporarily blocked?
Yes, for security or suspicious activity reasons.
Are there limits on the number of daily operations?
Typically yes, to manage risk and comply with regulations.
What are the minimum amounts for account funding?
Not specifically stated.
What methods of funding are supported?
Bank transfers, deposits, and card payments.
Are there fees for funding?
Usually no fees for deposits via bank transfer.
What are the minimum funding amounts?
Not publicly stated.
How quickly are funds credited when funding?
Instant to same-day for local bank transfers.
How can money be withdrawn from the system?
Withdrawals via bank transfer, branches, or ATM cards if provided.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on withdrawal method and destination.
How long does withdrawal take?
Typically 1 to 3 banking days.
What withdrawal limits are set?
Limits vary according to account type and verification.
How quickly are funds credited when funding with a card?
Card funding processing times vary; usually instant to a few hours.
How long does a bank transfer take?
Domestic transfers usually same-day; international 2-8 banking days.
How quickly do cryptocurrency transfers arrive?
Not applicable (no crypto service).
Are transfers between users instant?
Internal bank transfers commonly instant or near-instant.
Are there delays when funding on weekends?
Bank processing usually delayed on weekends and public holidays.
Do holidays affect funding speed?
Yes, bank holidays can delay processing.
Can crediting be accelerated for a fee?
Some banks offer express payments for additional fees, but no specific info for Luster Sparebank.
What determines the speed of funding processing?
Banking system hours, transfer type, correspondent bank processes.
Are there notifications about funding status?
Banking systems send notifications for some transactions.
What to do if funding takes too long?
Contact customer support to investigate delays.
How quickly are withdrawal requests processed?
Typically within 1-3 business days.
How long does card withdrawal take?
Card withdrawals at ATM usually immediate.
How quickly do bank transfers arrive?
Domestic same day or next business day; international longer.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, withdrawals processed next business day.
Do holidays affect withdrawal speed?
Yes, like weekends.
Can withdrawal be accelerated for an additional fee?
Not specifically documented.
What determines withdrawal processing time?
Bank processing hours, transfer method, and recipient bank.
Are there notifications about withdrawal status?
Some banking systems provide status updates.
Can a withdrawal request be canceled?
Cancellation may be possible if requested before processing starts.
How to register with the payment service?
Register online via their website or in person at a branch.
What data is needed to create an account?
Personal identification, address, phone number, and proof of identity.
Can registration be done without email?
Email is generally required for communication and legal compliance.
Is phone confirmation required during registration?
Phone confirmation is common in banking for security.
Are there age restrictions for registration?
Minimum age is 18 years.
Can a corporate account be created?
Yes, business accounts are available.
Is it required to provide real data?
Yes, in compliance with KYC regulations.
Are there country restrictions for registration?
Must be resident or legally authorized to open accounts in Norway.
How long does account activation take?
Usually within a few business days after verification.
What verification levels exist?
Basic and enhanced due to AML/KYC regulations.
What documents are required for basic verification?
Valid ID, proof of address.
Are documents needed for full verification?
Additional documents like income proof may be required.
Are digital copies of documents accepted?
Yes, digital document submission is common.
How long does the verification procedure take?
Typically 1-3 business days.
Can the service be used without verification?
Limited usage; account functionality will be restricted.
What restrictions apply to unverified users?
Limits on transactions and access to services.
Is address confirmation required?
Yes, proof of residence is standard.
Is a selfie with documents required?
Possibly for enhanced verification as per regulations.
How often do documents need to be updated?
Every few years or if details change.
What encryption technologies does the service use?
Uses industry-standard encryption protocols (TLS/SSL).
Is two-factor authentication supported?
Yes, 2FA is commonly supported.
Are there SMS confirmations for operations?
SMS confirmations may be used for transaction authentication.
Is biometric authentication supported?
Not specifically stated.
Is blockchain technology used?
No public info on blockchain use.
Is there a multi-level security system?
Yes, standard banking multi-layer security.
How is user personal data protected?
Adheres to GDPR and Norwegian privacy regulations.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks typically implement DDoS protection measures though no specific details.
Are regular security audits conducted?
Regular security audits are standard in the banking industry.
What anti-phishing protection measures are provided?
Banks employ standard anti-phishing warnings and secure login procedures.
Is there a suspicious activity detection system?
Monitoring for fraud and suspicious activity is standard.
How does the service combat money laundering?
Through AML programs, KYC verification, and reporting.
Is there blocking of suspicious accounts?
Yes, suspicious accounts may be blocked pending investigation.
What to do when fraud is detected?
Report to bank immediately and follow their fraud procedures.
How to report suspicious activity?
Contact customer support or use online reporting forms.
Is there compensation for damage from fraudsters?
Consumer protections and insurance may apply per Norwegian regulations.
What user rights exist for disputed transactions?
Users have rights to dispute transactions as regulated by law.
How to dispute account blocking?
Contact bank’s customer support to initiate dispute procedures.
Is there insurance against cyber attacks?
No specific insurance details found.
What fees does the service charge for transfers?
Standard transfer fees apply; details depend on payment type.
Are there fees for account funding?
Usually no fees for standard deposits.
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on method.
Are there fees for currency conversion?
Yes, standard currency conversion fees.
Are there fees for account inactivity?
No public info on inactivity fees.
Are there account maintenance fees?
Typical maintenance fees may apply but no exact details found.
Are fees charged for operation cancellation?
Usually no fees but may vary.
Are there fees for expedited operations?
Generally additional fees may apply.
Are there hidden fees?
Bank fees are generally disclosed per regulations.
How are fees calculated for large amounts?
Fee tiers or percentages may apply; no specific info found.
Are there different tariff plans in the service?
No detailed tariff plan info publicly available.
What advantages does VIP status provide?
No verified VIP status program.
How to get preferential conditions?
Typically via high account balances or long-term customers; no specifics.
Are there free operations per month?
Standard transaction allowances are typical in banking.
Are there discounts for active users?
No specific discount programs found.
Are there corporate tariffs?
Business accounts have their own pricing schemes.
Can individual conditions be obtained?
Possibly on request; no details publicly.
Do promotional codes work for fee reduction?
No info available.
Are there cashback programs?
No specific cashback programs found.
Are there discounts for transaction volumes?
Not publicly detailed.
Is there an official mobile application?
Yes, Luster Sparebank Mobilbank app.
On which platforms is the application available?
Available on Android and iOS.
What functions are available in the mobile application?
Check balances, transfer between own accounts, pay bills, eF invoice processing, simplified login.
Does functionality differ from the web version?
Mostly similar core features; sometimes reduced compared to full web banking.
Is Touch ID/Face ID supported?
Not specifically confirmed.
Can the application work offline?
No; requires internet connection.
Are there push notifications about operations?
Not publicly stated.
Is dark theme supported?
No information available.
How often is the mobile application updated?
Updates occur periodically; exact frequency not stated.
Are there beta versions of the application?
No info on beta testing.
Is the web interface of the service convenient?
No specific usability ratings found.
Is responsive design supported?
Modern banking sites typically support responsive design.
In which languages is the interface available?
Primarily Norwegian; no other languages confirmed.
Is there a night mode for the website?
No information available.
Are hotkeys supported?
No info available.
Can data be exported?
Usually account statements can be exported.
Is there an API for developers?
Yes, Luster Sparebank offers an Account Information API.
Is integration with other services supported?
Integration with ERP systems documented via Aritma.
How often is the web interface updated?
Updates as needed; no specific schedule.
Are there virtual cards in the service?
No information found.
Can disposable cards be created?
No information found.
Is multi-currency account functionality supported?
No detailed info; typical accounts in NOK.
Are there investment products?
Yes, loans, savings, and insurance products available.
Can interest be earned on balance?
Yes, on savings accounts.
Are there credit products?
Consumer loans, car loans, mortgage loans available.
Is P2P trading supported?
No info on P2P trading.
Is there acquiring for business?
No specific acquiring info found.
Are mass payouts supported?
No info on bulk payments.
Is there a loyalty program in the service?
No info available.
How are bonus points earned?
No info.
Is there cashback for operations?
No info.
Are there referral programs?
No info.
What privileges do VIP clients have?
None documented.
Are there seasonal promotions and offers?
No info.
Can premium status be obtained?
No info.
Are there partner discounts?
No info.
Are there corporate loyalty programs?
No info.
Does the service allow operations with online casinos?
No information found.
Are there restrictions on gambling transactions?
Typical bank restrictions would apply.
Can accounts be blocked for casino play?
Banks may block suspicious or restricted activities.
How does the service view gambling?
No public statement available.
Are there special conditions for gambling?
No info.
Are casino transactions tracked?
No info.
Can operations with gambling sites be hidden?
No info.
Are there special fees for gambling operations?
No info.
Can limits be set on gambling?
No info.
Is there a self-exclusion function?
No public info.
Can access to gambling sites be restricted?
No info.
Is gambling expense control supported?
No info.
Are there notifications about limit exceedance?
No info.
Can operations with casinos be blocked?
No info.
Is there gambling expense statistics?
No info.
Is a "cooling-off period" supported?
No info.
Is there partnership with player assistance organizations?
No info.
How to set up gambling expense notifications?
No info.
Which online casinos accept this payment method?
No info.
Do conditions differ when used in different casinos?
No info.
Can the method be used for both deposits and withdrawals in casinos?
No info.
Are there geographic restrictions for casino usage?
No info.
How do casino operators typically process transactions from this method?
No info.
Do casinos usually charge additional fees for this method?
No info.
Are there any known compatibility issues with major casino platforms?
No info.