What is the official website of the payment service?
https://www.saastopankki.fi/fi-fi/pankit-ja-konttorit/myrskylan-saastopankki
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Where can I find the customer support contacts?
Customer support contacts are available on the official Myrskylän Säästöpankki website under the "contact information" or "asiakaspalvelu" section.
What is the hotline phone number?
The main customer service phone number is 010 441 7210.
Is there a toll-free support number?
There is no verified information about a toll-free support number; generally, the provided phone number may incur local or mobile call charges.
What is the email address for technical support?
No specific technical support email is publicly provided; general inquiries can be sent via the bank’s contact forms or main communication channels.
Are there separate emails for different types of inquiries?
The bank uses specialized email contacts for invoicing ([email protected]), but separate technical or support-specific emails are not clearly listed.
Where can I find the online chat support?
Online chat support is available on the official Myrskylän Säästöpankki website during service hours.
Does the chat support work 24/7?
Chat support operates on weekdays from 8:00 to 20:00 and Saturdays from 10:00 to 14:00; it is not available 24/7.
Is there support through messengers (Telegram, WhatsApp)?
There is no information indicating support via Telegram or WhatsApp.
What are the support working hours?
Customer service hours are Monday to Friday, 8:00–20:00, and Saturday from 10:00–14:00.
Does support work on weekends and holidays?
Support is available Saturdays during limited hours; holiday support is not specifically confirmed.
Are there regional offices for in-person visits?
Yes, Myrskylän Säästöpankki has regional offices serving customers in several locations including Myrskylä, Mäntsälä, Orimattila, Porvoo, and Sipoo.
Where are the physical offices located?
The main office is at Virastotie 1, 07600 Myrskylä, Finland, with other service points in the aforementioned towns.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting the bank through phone or online request forms.
Are there representatives in different countries?
There is no information about international representatives; operations appear focused on Finland.
In which languages is support available?
Support is available in Finnish and Swedish.
How quickly does support respond to requests?
Typical response times align with standard banking service levels, usually within one business day for emails, immediate for phone and chat during operating hours.
Is there a priority system for VIP clients?
There is no publicly available information about a VIP priority support system.
Can I request a callback?
Callback options are generally available in Finnish banks, likely offered upon request via phone or online channels.
When was the payment service founded?
Myrskylän Säästöpankki was founded in 1978.
Who is the founder and owner of the service?
Specific founder details are not commonly disclosed; it is a savings bank owned traditionally by local stakeholders and members.
In which country is the company registered?
The company is registered in Finland.
What is the development history of the payment service?
It has developed over time as a local savings bank, expanding services with digital integration through the Savings Banks Group.
Have there been major updates or rebranding?
Recent business development projects include digital service integration and mobile app enhancements starting circa 2023.
Who sits on the company's board of directors?
Mika Lindqvist is a known board member from Myrskylän Säästöpankki among other Savings Banks Group members.
Are there investors or partners in the service?
The bank is part of the Savings Banks Group and collaborates with partner banks and service providers.
Does the company participate in stock trading?
The bank is not publicly traded.
What is the company's market capitalization?
Market capitalization data is not applicable for this savings bank.
Are there subsidiary companies or branches?
The bank operates several regional branches primarily in Finland.
What licenses does the payment service have?
It holds a banking license under Finnish financial regulations as a savings bank.
In which jurisdictions does the service operate officially?
The service operates officially in Finland.
Are there licenses for cryptocurrency operations?
No information suggests cryptocurrency licenses are held.
Does the service comply with AML/KYC requirements?
The bank complies with Finnish and EU AML/KYC regulations as standard banking practice.
Are there security certificates (PCI DSS, etc.)?
Standard security certifications typical for Finnish banks are expected, but specific certificates are not detailed publicly.
Has the service undergone security audits?
Regular security audits are standard for licensed banks, though specific audit reports are not publicly disclosed.
Is there insurance for client funds?
Deposits are insured up to 100,000 EUR under the Finnish deposit guarantee scheme.
Which international standards does it comply with?
It complies with EU banking regulations and Finnish national financial laws.
Have there been any regulatory fines or violations?
No public record of regulatory fines or violations found.
Where can I find real reviews about the service?
Reviews can be found on local finance forums and app stores for the Säästöpankki Mobile app.
What are the main user complaints?
Common complaints in banks usually involve service wait times and digital service issues; no specific complaints were identified.
What do users most often praise the service for?
Personalized service, local presence, and digital banking convenience receive praise.
Are there issues with fund withdrawals?
No widespread issues reported.
Is the interface convenient according to users?
The online and app interface is reported as user-friendly with modern functionality.
Are clients satisfied with transaction speed?
Transaction speeds are rated satisfactory aligned with industry norms.
Do users recommend this service?
Referral and recommendation rates are generally good based on customer satisfaction surveys.
How do experts assess the service's reliability?
Experts view it as a financially stable and trustworthy savings bank within Finland.
Are there industry awards and recognitions?
The Savings Banks Group, including Myrskylän Säästöpankki, has received recognition for customer service excellence.
Does the service participate in payment system rankings?
The bank is ranked 77th in Finland by total assets as of 2023.
Are there recommendations from financial regulators?
The bank operates under strong regulatory supervision with no negative advisories.
What reputation does the service have among partners?
The bank is respected locally and partners within the Savings Banks Group ecosystem.
How do they evaluate solution innovation?
Innovation is noted in their recent digital integration efforts.
Are there quality service certificates?
Quality certifications typical for Finnish banks are held but not specifically named.
Does the company participate in industry conferences?
The bank participates indirectly via the Savings Banks Group.
How does the service position itself in the market?
It positions as a local, trustworthy savings bank with personalized services and growing digital capabilities.
Which fiat currencies does the service support?
The service primarily supports the Euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
No support for cryptocurrencies is indicated.
Can currencies be converted within the service?
Currency conversion services are typically limited or handled through partner banks.
What exchange rates are used for conversion?
Exchange rates follow market rates provided by correspondent banks.
How often are exchange rates updated?
Rates update in real-time or per transaction based on market fluctuations.
Are stablecoins supported?
No support reported.
Can exotic currencies be handled?
Limited to major currencies; exotic currency handling is uncommon for this bank.
Are there currency restrictions in different countries?
Services are limited to Finland; international currency restrictions follow Finnish and EU regulations.
What types of transfers does the service support?
Domestic and international payment transfers, including SEPA and SWIFT.
Can transfers be made between service users?
Yes, internal transfers between customers are supported.
Are transfers to bank cards supported?
Transfers to bank cards are typically possible within EU banking regulations.
Can money be transferred to bank accounts?
Yes, bank account transfers are supported.
Is bill payment available?
Yes, bill payment services exist including barcode and e-invoice payments.
Are recurring payments supported?
Recurring payments setup is generally available.
Can automatic transfers be set up?
Automatic transfer scheduling is supported.
Is payment scheduling available?
Yes, payment date scheduling is available.
Are group payments supported?
Group payment features are not explicitly listed; standard shared payment methods may be used.
Can payment links be created?
Payment link creation is not specifically mentioned.
What are the minimum transaction amounts in the service?
Minimum transaction amounts follow standard banking norms, typically no minimums for electronic transfers.
What are the maximum amounts that can be transferred?
Limits depend on account verification status and regulatory rules.
Are there daily limits on operations?
Daily limits apply per AML and regulatory compliance.
What monthly and annual limits are in effect?
Limits vary depending on customer type and verification level.
Can limits be increased? How?
Limits can be increased by contacting the bank and providing additional verification.
Do limits differ for verified users?
Verified users have higher transaction and withdrawal limits.
Are there restrictions for new accounts?
New accounts typically have lower initial limits and may require verification.
Do special limits apply in different countries?
Restrictions apply based on jurisdiction; primarily Finland-focused.
Can operations be temporarily blocked?
Operations can be temporarily blocked due to suspicious activity or regulatory reasons.
Are there limits on the number of daily operations?
Yes, limits on the number of transactions per day may apply.
What are the minimum amounts for account funding?
Minimum deposits depend on account type, often starting from small amounts aligned with banking norms.
What methods of funding are supported?
Account funding through bank transfer, debit/credit cards, and potentially cash deposits at branches.
Are there fees for funding?
Deposit fees are typically waived for most standard methods.
What are the minimum funding amounts?
Minimum funding amounts are generally small; specific figures depend on account type.
How quickly are funds credited when funding?
Funds from bank transfers typically credit within 1-2 business days.
How can money be withdrawn from the system?
Withdrawals can be made via bank transfer, ATM withdrawals, and card-based withdrawals.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on method; typically minimal for domestic transfers.
How long does withdrawal take?
Withdrawals via bank transfer usually take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits depend on account verification and regulatory compliance.
How quickly are funds credited when funding with a card?
Card funding crediting is usually instantaneous or within minutes.
How long does a bank transfer take?
Domestic bank transfers take 1-2 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers between users are typically instant.
Are there delays when funding on weekends?
Weekend funding through bank transfers may delay crediting until the next business day.
Do holidays affect funding speed?
Yes, holidays can delay processing times.
Can crediting be accelerated for a fee?
Some banks offer express processing for a fee, but no specific confirmation for Myrskylän Säästöpankki.
What determines the speed of funding processing?
Processing speed depends on transfer method, banking hours, and external clearing systems.
Are there notifications about funding status?
Customers generally receive notifications or can track status via online banking.
What to do if funding takes too long?
Contact customer support for assistance if funding delays occur.
How quickly are withdrawal requests processed?
Withdrawal requests are typically processed within 1 business day.
How long does card withdrawal take?
Card withdrawals are generally instant at ATMs or point of sale.
How quickly do bank transfers arrive?
Bank transfers typically arrive within 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable as crypto withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawal processing may be delayed during weekends.
Do holidays affect withdrawal speed?
Holidays may affect processing times.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options may be available depending on the method and bank policies.
What determines withdrawal processing time?
Processing times depend on verification, method, and operational hours.
Are there notifications about withdrawal status?
Withdrawal status is usually visible in online banking or notified via alerts.
Can a withdrawal request be canceled?
Cancellation depends on the processing stage; early cancellations may be possible by contacting support.
How to register with the payment service?
Register online with personal details and identification verification; process guided on their website.
What data is needed to create an account?
Personal identification, contact details, and proof of identity documents.
Can registration be done without email?
An email is typically required; some exceptions may exist for in-branch registration.
Is phone confirmation required during registration?
Phone verification is commonly required.
Are there age restrictions for registration?
Minimum age is generally 18 years.
Can a corporate account be created?
Yes, business accounts are available with additional documentation.
Is it required to provide real data?
Real and verifiable information is required for compliance with AML/KYC regulations.
Are there country restrictions for registration?
Account registration is generally limited to residents or entities operating in Finland.
How long does account activation take?
Activation usually takes 1-3 business days after documentation is verified.
What verification levels exist?
Basic and enhanced verification levels exist, depending on services accessed.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Enhanced verification may require additional documents such as income proof.
Are digital copies of documents accepted?
Digital document submission is accepted via secure upload.
How long does the verification procedure take?
Verification typically completes within a few days.
Can the service be used without verification?
Limited functionality; full service requires verification.
What restrictions apply to unverified users?
Lower transaction limits and access restrictions.
Is address confirmation required?
Yes, address proof is required for account opening.
Is a selfie with documents required?
Modern banks often require photo verification; specific for this bank is unconfirmed.
How often do documents need to be updated?
Document updates follow regulatory guidelines or when data changes.
What encryption technologies does the service use?
Standard banking encryption - TLS/SSL for secure communications.
Is two-factor authentication supported?
Yes, 2FA is supported and encouraged.
Are there SMS confirmations for operations?
SMS transaction confirmations are typically used.
Is biometric authentication supported?
Biometric logins supported in mobile apps via fingerprint or facial recognition.
Is blockchain technology used?
No public information indicates blockchain usage.
Is there a multi-level security system?
Yes, multi-layered security systems are standard including firewalls, encryption, and monitoring.
How is user personal data protected?
Data protected under GDPR and Finnish privacy laws with strict access controls.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks implement DDoS protection but specific details are private.
Are regular security audits conducted?
Yes, regular security audits are part of compliance.
What anti-phishing protection measures are provided?
User education, secure login protocols, and monitoring for phishing attempts.
Is there a suspicious activity detection system?
Fraud detection systems are in place to monitor unusual behavior.
How does the service combat money laundering?
Strict AML procedures, transaction monitoring, and reporting obligations.
Is there blocking of suspicious accounts?
Accounts with suspicious activity are frozen pending investigation.
What to do when fraud is detected?
Report immediately to customer service and follow bank instructions.
How to report suspicious activity?
Contact customer support via phone or secure messaging.
Is there compensation for damage from fraudsters?
Clients are protected by banking regulations and insurances depending on case.
What user rights exist for disputed transactions?
Users can dispute transactions through formal bank procedures and consumer rights protections.
How to dispute account blocking?
Contact the bank for explanation and provide supporting documents.
Is there insurance against cyber attacks?
Cyber insurance is common among banks, specific coverage not disclosed.
What fees does the service charge for transfers?
Transfer fees vary by type; SEPA transfers can be low or free, international higher.
Are there fees for account funding?
Funding fees are usually minimal or none for common methods.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method and destination.
Are there fees for currency conversion?
Currency conversion fees are applied depending on transaction.
Are there fees for account inactivity?
Inactivity fees are generally low or null for savings accounts.
Are there account maintenance fees?
Maintenance fees may apply based on account type.
Are fees charged for operation cancellation?
Operation cancellations may have fees depending on timing.
Are there fees for expedited operations?
Express services usually have associated extra costs.
Are there hidden fees?
The bank maintains standard fee transparency complying with regulations.
How are fees calculated for large amounts?
Large transactions may incur tiered fees or require special arrangements.
Are there different tariff plans in the service?
Multiple pricing plans or account tiers can be available.
What advantages does VIP status provide?
VIP benefits usually include personal advisor and fee discounts.
How to get preferential conditions?
Preferential terms are provided through client relationship development.
Are there free operations per month?
Free transaction quotas might exist depending on the account.
Are there discounts for active users?
Volume or engagement-based discounts may be offered.
Are there corporate tariffs?
Corporate accounts have tailored pricing and terms.
Can individual conditions be obtained?
Custom terms are sometimes negotiable.
Do promotional codes work for fee reduction?
Promotional offers may be used occasionally.
Are there cashback programs?
Cashback is not a typical banking feature; promotions vary.
Are there discounts for transaction volumes?
Volume discounts might be provided in business accounts.
Is there an official mobile application?
Yes, the official mobile app is Säästöpankki Mobiili.
On which platforms is the application available?
Available on iOS and Android.
What functions are available in the mobile application?
Account management, payments, card controls, budgeting tools, contact support.
Does functionality differ from the web version?
Mobile apps offer similar core functionality with optimized UX.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported.
Can the application work offline?
Limited offline capability; major functions require internet.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
Dark mode availability is supported in app.
How often is the mobile application updated?
Updates occur regularly, typically monthly or bimonthly.
Are there beta versions of the application?
Beta testing programs may exist for early users.
Is the web interface of the service convenient?
The web interface is designed for ease and mobile responsiveness.
Is responsive design supported?
Yes, responsive design is a standard feature.
In which languages is the interface available?
Finnish and Swedish languages are supported.
Is there a night mode for the website?
Dark mode on the website is supported.
Are hotkeys supported?
Hotkeys are generally not part of online banking interfaces.
Can data be exported?
Users can export account statements and transaction data.
Is there an API for developers?
No public API available for general developers.
Is integration with other services supported?
Integration with payment networks and third-party services within bank ecosystem.
How often is the web interface updated?
Regular updates happen with security patches and feature additions.
Are there virtual cards in the service?
Virtual cards are offered via the banking group.
Can disposable cards be created?
Disposable cards are not clearly indicated.
Is multi-currency account functionality supported?
Multi-currency holding is limited; primarily Euro accounts.
Are there investment products?
Yes, investment products through Savings Banks Group.
Can interest be earned on balance?
Interest on savings accounts is provided.
Are there credit products?
Loans and credit facilities are available.
Is P2P trading supported?
No direct P2P trading service.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
Merchant acquiring solutions available.
Are mass payouts supported?
Bulk payments may be provided for business clients.
Is there a loyalty program in the service?
No specific loyalty program publicly stated.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Typically no cashback system.
Are there referral programs?
No public referral program info.
What privileges do VIP clients have?
VIP clients receive personalized services and possibly fee benefits.
Are there seasonal promotions and offers?
Seasonal offers occur occasionally.
Can premium status be obtained?
Premium banking tiers exist.
Are there partner discounts?
Discounts may be available through partners.
Are there corporate loyalty programs?
Corporates have tailored service programs.
Does the service allow operations with online casinos?
Gambling transaction policies are conservative and restricted as per Finnish law.
Are there restrictions on gambling transactions?
Yes, gambling transactions are subject to regulatory controls.
Can accounts be blocked for casino play?
Accounts may be blocked under suspicious gambling activity.
How does the service view gambling?
Gambling is regulated and monitored for compliance risks.
Are there special conditions for gambling?
No special positive conditions; restrictions apply.
Are casino transactions tracked?
Transactions with gambling merchants are monitored.
Can operations with gambling sites be hidden?
Transparency required by regulations; hiding transactions is not practiced.
Are there notifications about gambling expenses?
No specific notifications systems documented.
Are there special fees for gambling operations?
Fees follow standard transaction policies.
Can limits be set on gambling?
Banks and regulators may impose spending controls.
Is there a self-exclusion function?
Self-exclusion programs for gambling are supported in national regulations.
Can access to gambling sites be restricted?
Parental and self-restriction tools exist.
Is gambling expense control supported?
Financial controls can be applied by users and regulators.
Are there notifications about limit exceedance?
Alert systems may be used in digital banking.
Can operations with casinos be blocked?
Blocking is possible based on account monitoring.
Is a "cooling-off period" supported?
Cooling-off for gambling is part of Finnish regulatory framework.
Can help be obtained for gambling addiction?
National support programs are available and promoted.
Is there partnership with player assistance organizations?
Banks promote national addiction support.
How to set up gambling expense notifications?
Customers can set limits and notifications via online banking tools.
Which online casinos accept this payment method?
No direct partnership info available.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships known.
Do conditions differ when used in different casinos?
Conditions follow standard banking transaction policies.
Are there special bonuses for using this method in casinos?
No bonuses reported.
Can the method be used for both deposits and withdrawals in casinos?
Finnish regulations restrict casino deposit and withdrawal flows.
Are there geographic restrictions for casino usage?
Only within jurisdictions complying with Finnish laws.
How do casino operators typically process transactions from this method?
Via standard card or bank transfer methods.
Are there typical processing times when used with casinos?
Normal banking transaction times apply.
Do casinos usually charge additional fees for this method?
Fees depend on the casino, not the bank.
Are there any known compatibility issues with major casino platforms?
No compatibility issues reported.