What is the official website of the payment service?
https://merkur.dk
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Where can I find the customer support contacts?
Customer support contact details are available on Merkur Andelskasse's official website under the "Kontakt os" (Contact Us) page at https://merkur.dk/privat/kontakt/
What is the hotline phone number?
+45 7027 2706
Is there a toll-free support number?
There is no verified information about a toll-free support number; customers typically use the main phone line provided.
What is the email address for technical support?
The netbank (online banking) technical support email is [email protected]
Are there separate emails for different types of inquiries?
Yes, encrypted communication via [email protected] is available for secure communications, and direct advisor contact emails are provided via netbank or mobile banking; general inquiries use the main contact form.
Where can I find the online chat support?
There is no verified information about an online chat support feature on the Merkur Andelskasse website.
Does the chat support work 24/7?
Not applicable due to no verified online chat availability.
Is there support through messengers (Telegram, WhatsApp)?
No verified support through messengers like Telegram or WhatsApp is available.
What are the support working hours?
Phone support is open Monday to Friday from 10:00 to 16:00, with the bank itself open 10:00 to 15:00.
Does support work on weekends and holidays?
No, customer support does not operate on weekends or Danish public holidays, including specific days such as Christmas Eve and New Year's Eve.
Are there regional offices for in-person visits?
Yes, Merkur Andelskasse has physical branches available for in-person visits.
Where are the physical offices located?
Merkur Øst at Vesterbrogade 40, 1., 1620 København V; Merkur Vest at De Mezas Vej 1-3, 8000 Aarhus C; and Bispensgade 16, 1., 9000 Aalborg.
Can I schedule a personal meeting?
Yes, personal meetings are available by prior appointment with an advisor Monday to Friday between 8:00 and 18:00.
Are there representatives in different countries?
Merkur Andelskasse operates primarily in Denmark, and there are no verified international representative offices.
In which languages is support available?
Support and customer service are primarily available in Danish; the online banking interface is offered in English, but staff assistance in English is not guaranteed.
How quickly does support respond to requests?
Typical response times are within business hours during weekdays; exact average times are not publicly specified.
Is there a priority system for VIP clients?
No verified information on a VIP priority support system.
Can I request a callback?
There is no specific information documented about a callback service.
When was the payment service founded?
Merkur Andelskasse was founded in 1982.
Who is the founder and owner of the service?
Founded as a cooperative bank; ownership is mainly by its customers (members/shareholders) emphasizing transparency and shared ownership.
In which country is the company registered?
Denmark.
What is the development history of the payment service?
Founded in 1982 as a private savings and loan association in Aalborg, transformed into a cooperative fund in 1985, expanded to a full banking institution with focus on ethical and sustainable finance.
Have there been major updates or rebranding?
No major rebranding found; notable milestones include co-founding the Global Alliance for Banking on Values in 2009.
Who sits on the company's board of directors?
Specific current board members are not publicly detailed in the available sources.
Are there investors or partners in the service?
Owned by cooperative members; strategic partnerships include membership in Global Alliance for Banking on Values.
Does the company participate in stock trading?
No, Merkur Andelskasse is not publicly traded.
What is the company's market capitalization?
Not applicable, as it is not publicly listed.
Are there subsidiary companies or branches?
The bank operates branches in Copenhagen, Aarhus, and Aalborg; no verified information on subsidiaries.
What licenses does the payment service have?
Authorized and supervised by the Danish Financial Supervisory Authority (Finanstilsynet), reference number 13460.
In which jurisdictions does the service operate officially?
Officially operates in Denmark.
Are there licenses for cryptocurrency operations?
No verified information indicating licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, as a licensed Danish bank, it complies with applicable AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
Are there security certificates (PCI DSS, etc.)?
Specific PCI DSS or similar certificates not publicly detailed; standard banking security and regulatory compliance are assumed.
Has the service undergone security audits?
No detailed public records, but as a regulated bank, it undergoes regular regulatory security audits.
Is there insurance for client funds?
Deposits are protected up to 100,000 EUR per depositor under Denmark’s deposit guarantee scheme.
Which international standards does it comply with?
Complies with Danish and EU banking standards and regulations, including GDPR.
Have there been any regulatory fines or violations?
No publicly available information on regulatory fines or violations.
Where can I find real reviews about the service?
Real user feedback may be found on Danish banking review sites and forums, but comprehensive global review platforms are limited.
What are the main user complaints?
Common user complaints for banks of this model generally include language access limitations and limited English customer service.
What do users most often praise the service for?
Ethical banking model, transparency, focus on sustainability, and personalized customer service.
Are there issues with fund withdrawals?
No publicly reported systemic issues with withdrawals.
Is the interface convenient according to users?
Online banking and mobile apps exist with English interface available; usability is reported as straightforward.
Are clients satisfied with transaction speed?
Transaction speed is standard for Danish banking; no significant complaints reported.
Do users recommend this service?
It is recommended by customers who value sustainable and ethical banking practices.
How do experts assess the service's reliability?
Experts view Merkur Andelskasse as a credible institution focusing on sustainability with solid financial standing.
Are there industry awards and recognitions?
Recognized as Denmark’s first bank to receive the Nordic Swan Ecolabel for investment funds.
Does the service participate in payment system rankings?
No specific ranking participation information.
Are there recommendations from financial regulators?
No specific published recommendations, but it operates under Danish regulatory oversight.
What reputation does the service have among partners?
Positive reputation for ethical finance and cooperative ownership.
How do they evaluate solution innovation?
Recognized for innovation in sustainable banking rather than cutting-edge technology.
Are there quality service certificates?
Holds Nordic Swan ecolabel for certain financial products.
Does the company participate in industry conferences?
Likely participates in sustainability and ethical banking events; specifics not listed.
How does the service position itself in the market?
Positioned as Denmark’s leading ethical and sustainable cooperative bank focusing on social responsibility.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK) and Euro (EUR) for international transactions.
Are cryptocurrencies supported? Which ones specifically?
No verified cryptocurrency support.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency.
Can currencies be converted within the service?
Standard currency exchange services are offered per banking norms.
What exchange rates are used for conversion?
Market-based exchange rates aligned with Danish and European standards.
How often are exchange rates updated?
Updated regularly per market fluctuations.
Can exotic currencies be handled?
Typically handles major international currencies; exotic currencies support is limited or not provided.
Are there currency restrictions in different countries?
Subject to Danish and international regulatory compliance with standard currency controls.
What types of transfers does the service support?
SEPA transfers, international SWIFT payments, domestic transfers.
Can transfers be made between service users?
Yes, internal transfers between Merkur Andelskasse customers are supported.
Are transfers to bank cards supported?
No specific information; bank account transfers are standard.
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts are supported.
Is bill payment available?
Yes, bill payment services are available.
Are recurring payments supported?
Typically supported in retail banking products.
Can automatic transfers be set up?
Yes, automated payments can be configured.
Is payment scheduling available?
Scheduling of payments is standard in online banking.
Are group payments supported?
No specific feature documented.
Can payment links be created?
No verified service for payment link generation.
What are the minimum transaction amounts in the service?
Standard minimums align with Danish banking norms; specific limits vary by payment type.
What are the maximum amounts that can be transferred?
Limits depend on account type and verification status; no public specifics.
Are there daily limits on operations?
Daily transaction limits apply as per regulatory and bank policies.
What monthly and annual limits are in effect?
Monthly and annual limits apply based on account type and verification.
Can limits be increased? How?
Limit increase requests are processed typically through customer support with additional verification.
Do limits differ for verified users?
Yes, verified users generally have higher transaction limits.
Are there restrictions for new accounts?
New accounts may have initial transaction limits for security.
Do special limits apply in different countries?
Limits are based on Danish regulations but may be subject to international standards.
Can operations be temporarily blocked?
Yes, for security or regulatory reasons.
Are there limits on the number of daily operations?
Standard restrictions based on banking policies apply.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by account type.
What methods of funding are supported?
Bank transfers, card payments, and possibly other standard deposit methods.
Are there fees for funding?
Funding fees depend on method; standard bank fees apply.
What are the minimum funding amounts?
Varied by account and method; typical banking minimums apply.
How quickly are funds credited when funding?
Domestic transfers are credited typically same day or next banking day.
How can money be withdrawn from the system?
Withdrawals via bank transfers, ATM withdrawals with debit cards.
Are there fees for fund withdrawal?
Withdrawal fees apply based on method and bank policy.
How long does withdrawal take?
Typically 1-3 banking days for bank transfers.
What withdrawal limits are set?
Withdrawal limits depend on account and verification status.
How quickly are funds credited when funding with a card?
Card funding processing times vary but generally processed quickly.
How long does a bank transfer take?
Domestic transfers usually same day or next business day; international depends on correspondent banks.
How quickly do cryptocurrency transfers arrive?
Not supported.
Are transfers between users instant?
Internal transfers are typically instant or near instant.
Are there delays when funding on weekends?
Weekend funding may be processed next business day.
Do holidays affect funding speed?
Yes, holidays delay processing.
Can crediting be accelerated for a fee?
No specific express crediting service documented.
What determines the speed of funding processing?
Banking hours, transfer type, and correspondent banks affect speed.
Are there notifications about funding status?
Banking systems typically include status notifications.
What to do if funding takes too long?
Contact customer support for investigation.
How quickly are withdrawal requests processed?
Withdrawals are processed during banking hours within 1-3 days.
How long does card withdrawal take?
ATM withdrawals are instant; card-based withdrawals depend on card agreement.
How quickly do bank transfers arrive?
Domestic transfers arrive usually same or next day; international may take longer.
Are cryptocurrency withdrawals instant?
Not supported.
Are there withdrawal delays on weekends?
Withdrawals on weekends processed next business day.
Do holidays affect withdrawal speed?
Yes, withdrawals are delayed on holidays.
Can withdrawal be accelerated for an additional fee?
No documented express withdrawal service.
What determines withdrawal processing time?
Banking operational hours and verification procedures.
Are there notifications about withdrawal status?
Generally yes, via online banking notifications.
Can a withdrawal request be canceled?
Cancellation depends on transaction status and banking policies.
How to register with the payment service?
Registration is digital; customers must apply online in Danish through the official Merkur.dk site.
What data is needed to create an account?
Personal identification, address, proof of identity, and contact information.
Can registration be done without email?
Email is typically required for digital communication.
Is phone confirmation required during registration?
Phone verification is a common security step.
Are there age restrictions for registration?
Minimum age is 18 years to open an account.
Can a corporate account be created?
Yes, business banking accounts are offered.
Is it required to provide real data?
Yes, identity verification requires authentic documentation.
Are there country restrictions for registration?
Primarily residents of Denmark; international restrictions likely apply.
How long does account activation take?
Typically a few days depending on verification completion.
What verification levels exist?
Basic and enhanced verification levels aligned with regulatory standards.
What documents are required for basic verification?
National ID, passport, proof of address.
Are documents needed for full verification?
Additional documents may be required for enhanced KYC.
Are digital copies of documents accepted?
Yes, digital submission of verification documents is supported.
How long does the verification procedure take?
Usually a few business days.
Can the service be used without verification?
Limited functionality and lower transaction limits apply to unverified accounts.
What restrictions apply to unverified users?
Reduced transaction and funding limits.
Is address confirmation required?
Yes, proof of address is part of verification.
Is a selfie with documents required?
No specific selfie requirement documented.
How often do documents need to be updated?
Documents are updated as required by regulatory changes or annually.
What encryption technologies does the service use?
Standard banking encryption protocols (e.g., TLS/SSL).
Is two-factor authentication supported?
Yes, 2FA is used for online banking security.
Are there SMS confirmations for operations?
SMS verification is typically part of transaction authentication.
Is biometric authentication supported?
Not specifically documented.
Is blockchain technology used?
No verified blockchain usage.
Is there a multi-level security system?
Yes, multiple layers of security protect user data and transactions.
How is user personal data protected?
Data protection follows GDPR and Danish privacy legislation.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks typically deploy DDoS protection but no specific documentation.
Are regular security audits conducted?
Regulatory audits and internal security assessments are conducted regularly.
What anti-phishing protection measures are provided?
Customer warnings and secure login protocols are in place.
Is there a suspicious activity detection system?
Yes, anti-fraud monitoring systems are standard banking practice.
How does the service combat money laundering?
Rigorous KYC and AML procedures comply with Danish and EU laws.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked as per AML policies.
What to do when fraud is detected?
Contact customer support immediately and report suspicious activity.
How to report suspicious activity?
Through customer service channels or dedicated fraud departments.
Is there compensation for damage from fraudsters?
Compensation depends on the case and banking policy; Denmark’s deposit guarantee protects funds.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized or erroneous transactions under Danish law.
How to dispute account blocking?
Formal appeal procedures exist; customers contact support or regulators.
Is there insurance against cyber attacks?
No specific public information but likely covered under bank insurance policies.
What fees does the service charge for transfers?
Fees vary depending on transfer type; SEPA transfers usually minimal or free, international may incur fees.
Are there fees for account funding?
Fees depend on funding method; standard banking fees apply.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method and account type.
Are there fees for currency conversion?
Currency conversion fees apply based on exchange rates and bank tariffs.
Are there fees for account inactivity?
No public information indicating inactivity fees.
Are there account maintenance fees?
Standard banking maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Cancellations generally do not have separate fees unless processing costs apply.
Are there fees for expedited operations?
No standard express fee service documented.
Are there hidden fees?
Fees are disclosed in line with Danish financial regulatory requirements.
How are fees calculated for large amounts?
Fees may be tiered or negotiated for large transactions.
Are there different tariff plans in the service?
Different account types and business tariffs exist.
What advantages does VIP status provide?
No VIP program publicly documented.
How to get preferential conditions?
Larger business clients may negotiate terms directly.
Are there free operations per month?
Some fee-free transactions may be included depending on account.
Are there discounts for active users?
No specific discount programs publicly listed.
Are there corporate tariffs?
Yes, business accounts have specific tariffs.
Can individual conditions be obtained?
Possible by negotiation for business or large clients.
Do promotional codes work for fee reduction?
No information available on promotional codes.
Are there cashback programs?
No cashback programs publicly documented.
Are there discounts for transaction volumes?
Large volume clients may get discounts by arrangement.
Is there an official mobile application?
Yes, Merkur Andelskasse offers a mobile banking app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Account access, payments, transfers, transaction history, and communication with advisors.
Does functionality differ from the web version?
Mobile app provides core banking functions; advanced features primarily via web.
Is Touch ID/Face ID supported?
Not verified if biometric login is supported.
Can the application work offline?
No, banking functions require online connection.
Are there push notifications about operations?
Push notifications about transactions and alerts are provided.
Is dark theme supported?
Not documented.
How often is the mobile application updated?
Regular updates provided, frequency varies.
Are there beta versions of the application?
No public beta program.
Is the web interface of the service convenient?
Generally considered user-friendly with modern online banking standards.
Is responsive design supported?
Yes, website supports mobile-responsive design.
In which languages is the interface available?
Danish and English for online banking interface.
Is there a night mode for the website?
No public information on dark mode for the website.
Are hotkeys supported?
No evidence of hotkey support.
Can data be exported?
Transaction data can typically be exported from online banking.
Is there an API for developers?
API access is available through third-party integrations like GoCardless/Nordigen for account data synchronization.
Is integration with other services supported?
Integration available with financial software and spreadsheets via APIs.
How often is the web interface updated?
Updates occur periodically as per bank’s IT maintenance.
Are there virtual cards in the service?
No verified virtual card issuance information.
Can disposable cards be created?
Not documented.
Is multi-currency account functionality supported?
Basic multi-currency transactions supported through FX services.
Are there investment products?
Yes, investment funds including sustainable options are available.
Can interest be earned on balance?
Yes, interest-bearing accounts are offered.
Are there credit products?
Consumer and business loans are offered.
Can cryptocurrencies be bought/sold?
No cryptocurrency trading service offered.
Is there acquiring for business?
Merchant services not explicitly documented.
Are mass payouts supported?
No public information on mass payments.
Is there a loyalty program in the service?
No loyalty program documented.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback offers documented.
Are there referral programs?
No referral programs publicly noted.
What privileges do VIP clients have?
No VIP privileges documented.
Are there seasonal promotions and offers?
No public information on seasonal promotions.
Can premium status be obtained?
Not available.
Are there partner discounts?
None publicly listed.
Are there corporate loyalty programs?
Not documented.
Does the service allow operations with online casinos?
No specific policy publicly available.
Are there restrictions on gambling transactions?
Common banking regulations would restrict or monitor gambling transactions in Denmark.
Can accounts be blocked for casino play?
Banks may block or monitor suspicious usage as per AML policies.
How does the service view gambling?
No public official stance documented.
Are there special conditions for gambling?
Standard financial controls for high-risk sectors apply.
Are casino transactions tracked?
Yes, monitored under AML and fraud detection systems.
Can operations with gambling sites be hidden?
No, banks are required to maintain transparency in transactions.
Are there notifications about gambling expenses?
Not documented.
Are there special fees for gambling operations?
Not documented.
Can limits be set on gambling?
Customers may request transaction controls but no specific product.
Is there a self-exclusion function?
Self-exclusion generally provided by gambling operators rather than banks.
Can access to gambling sites be restricted?
Not a banking service feature.
Is gambling expense control supported?
No specific controls.
Are there notifications about limit exceedance?
Not documented.
Can operations with casinos be blocked?
Banks may block suspicious activity as per AML rules.
Is a "cooling-off period" supported?
Not applicable in banking service.
Can help be obtained for gambling addiction?
Banks refer customers to appropriate organizations.
Is there partnership with player assistance organizations?
Not documented.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Merkur Andelskasse is a banking provider, acceptance depends on merchant agreements.
Are there exclusive partnerships with specific casinos?
No known exclusive partnerships.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
No bonuses documented.
Can the method be used for both deposits and withdrawals in casinos?
Banking services allow deposits/withdrawals via bank transfer if accepted by casinos.
Are there geographic restrictions for casino usage?
Subject to Danish and international gambling laws.
How do casino operators typically process transactions from this method?
Via standard bank transfers or card payments.
Are there typical processing times when used with casinos?
Standard bank transfer times apply, usually 1-3 business days.
Do casinos usually charge additional fees for this method?
Fees depend on individual casino policy, not the bank.
Are there any known compatibility issues with major casino platforms?
None publicly documented.