What is the official website of the payment service?
https://www.nykredit.dk
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Where can I find the customer support contacts?
You can find customer support contacts on Nykredit's official website under the "Contact" or "Customer Service" section.
What is the hotline phone number?
For private customers, the main customer service phone number is +45 70 10 90 00.
Is there a toll-free support number?
There is no indication that Nykredit offers a toll-free support number; the primary contact numbers are standard regional phone numbers.
What is the email address for technical support?
Specific technical support email addresses are not publicly listed; typically, Nykredit directs users to contact support via their customer service portal or phone.
Are there separate emails for different types of inquiries?
There is no publicly available specific information on separate emails for different inquiries; generally, payments and banking inquiries are handled by dedicated customer service teams.
Where can I find the online chat support?
Online chat support is accessible through Nykredit's official website and mobile app (MitNykredit), often visible in the customer service or contact section.
Does the chat support work 24/7?
Chat support availability hours are not explicitly detailed, but customer phone support operates extended hours Monday to Friday 8:00 AM to 8:00 PM, and on weekends 10:00 AM to 3:00 PM, implying chat may have limited hours.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information indicating Nykredit provides support through Telegram, WhatsApp, or other messenger platforms.
What are the support working hours?
Customer service phone support is available Monday to Friday from 8:00 AM to 8:00 PM and on Saturdays and Sundays from 10:00 AM to 3:00 PM.
Does support work on weekends and holidays?
Support is available on weekends with the hours noted above but is closed on official public holidays and some additional closed days.
Are there regional offices for in-person visits?
Yes, Nykredit operates physical branch offices in Denmark where customers can visit for in-person service.
Where are the physical offices located?
The headquarters is located at Sundkrogsgade 25, Nordhavn, Copenhagen, Denmark. Additional branches are distributed regionally across Denmark.
Can I schedule a personal meeting?
Personal meetings can generally be scheduled by contacting the nearest branch or customer service to arrange an appointment.
Are there representatives in different countries?
Nykredit primarily operates in Denmark; no verified information suggests formal international representatives outside Denmark.
In which languages is support available?
Support is primarily provided in Danish; some services may be available in English, especially for international customers.
How quickly does support respond to requests?
Response times vary by contact method, with phone support offering immediate assistance during hours and email or online queries typically answered within one to two business days.
Is there a priority system for VIP clients?
Nykredit offers differentiated customer programs, including benefits for business and mortgage customers, which may include priority support tiers.
Can I request a callback?
Callback services may be available through customer service channels, but explicit public confirmation is not documented.
When was the payment service founded?
Nykredit was founded in 1985, originating from earlier credit unions active in Denmark since the 19th century.
Who is the founder and owner of the service?
Nykredit was formed by a merger of Forenede Kreditforeninger and Jyllands Kreditforening. It is currently owned by an association called Forenet Kredit.
In which country is the company registered?
Nykredit is registered and operates under Danish law in Denmark.
What is the development history of the payment service?
Nykredit began in 1985 via merger, expanded by acquiring Totalkredit in 2003 and Forstædernes Bank in 2008, integrating mortgage and banking services.
Have there been major updates or rebranding?
In recent years, Nykredit enhanced mobile banking services with the MitNykredit app and announced plans for expansion via acquisition, such as Spar Nord in 2024.
Who sits on the company's board of directors?
Detailed, up-to-date board member information is not publicly available here; generally includes senior executives and representatives from owner associations.
Are there investors or partners in the service?
Owned by Forenet Kredit association; strategic partnerships include collaborations with Totalkredit and regional banks distributing mortgage products.
Does the company participate in stock trading?
Nykredit is not publicly traded; it is owned by the Forenet Kredit association and operates as a mutual financial institution.
What is the company's market capitalization?
As a non-listed company, Nykredit does not have a public market capitalization.
Are there subsidiary companies or branches?
Subsidiaries include Nykredit Bank A/S and Nykredit Realkredit A/S, among others involved in banking, mortgage lending, and asset management.
What licenses does the payment service have?
Nykredit operates under licenses from the Danish Financial Supervisory Authority for banking, mortgage banking, and financial services.
In which jurisdictions does the service operate officially?
Nykredit officially operates mainly within Denmark.
Are there licenses for cryptocurrency operations?
There is no verified information about Nykredit holding cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Nykredit complies with strict AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations as required by Danish and EU law.
Are there security certificates (PCI DSS, etc.)?
Nykredit adheres to industry-standard security certifications and compliance frameworks typical for banks, likely including PCI DSS for card payment handling.
Has the service undergone security audits?
Regular internal and external security audits are standard for Nykredit given regulatory requirements, though specific audit reports are not publicly detailed.
Is there insurance for client funds?
Client deposits are protected under the Danish deposit guarantee scheme up to 100,000 EUR per depositor.
Which international standards does it comply with?
Nykredit follows EU banking regulations, GDPR for data protection, and other relevant international financial and security standards.
Have there been any regulatory fines or violations?
Not publicly documented in recent years; however, Nykredit faced public criticism in 2016 related to service fee increases and regulatory scrutiny of marketing practices.
Where can I find real reviews about the service?
Real user reviews can be found on financial service rating platforms, Trustpilot, Google Reviews, and Danish consumer forums.
What are the main user complaints?
Complaints often relate to service fees, digital banking usability issues, and customer service responsiveness.
What do users most often praise the service for?
Users praise Nykredit for comprehensive mortgage services, strong financial products, and effective mobile banking features.
Are there issues with fund withdrawals?
No widespread verified reports of fund withdrawal issues; typical banking withdrawal processes apply.
Is the interface convenient according to users?
The MitNykredit app and online banking interface are generally regarded as user-friendly with modern features.
Are clients satisfied with transaction speed?
Transaction speeds are typically rated satisfactory with efficient domestic processing.
Do users recommend this service?
Many users recommend Nykredit especially for mortgage and banking combined services despite some fees concerns.
How do experts assess the service's reliability?
Experts consider Nykredit a stable and reliable Danish financial institution with sound risk management.
Are there industry awards and recognitions?
Specific awards are not listed, but Nykredit is recognized as a leading mortgage lender in Denmark.
Does the service participate in payment system rankings?
Participation in European mortgage and banking sector rankings is typical for Nykredit.
Are there recommendations from financial regulators?
Nykredit complies with regulatory guidance and has no recent public notable reprimands.
What reputation does the service have among partners?
Nykredit enjoys strong reputation among Danish banks, mortgage partners, and financial service providers.
How do they evaluate solution innovation?
Nykredit invests in digital banking innovation, mobile apps, and mortgage product development recognized as competitive locally.
Are there quality service certificates?
Nykredit maintains certifications required for banking operations and compliance, detail not publicly itemized.
Does the company participate in industry conferences?
Nykredit representatives actively participate in Nordic and European financial industry events.
How does the service position itself in the market?
Nykredit positions itself as a comprehensive financial service leader focusing on mortgage lending and retail banking in Denmark.
Which fiat currencies does the service support?
Nykredit primarily supports Danish krone (DKK) and may support common international currencies for payments and transfers.
Are cryptocurrencies supported? Which ones specifically?
There is no verified support for cryptocurrency transactions at Nykredit.
Is there a proprietary cryptocurrency or token?
Nykredit does not have any proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is supported for foreign currency accounts and international payments through the banking platform.
What exchange rates are used for conversion?
Exchange rates are set daily by Nykredit and are indicative, referenced on their website and mobile app.
How often are exchange rates updated?
Exchange rates are updated daily.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Support for exotic currencies is limited; primarily major currencies like EUR, USD, GBP are supported.
Are there currency restrictions in different countries?
Currency transfer restrictions apply in accordance with Danish and EU financial regulations.
What types of transfers does the service support?
Supports bank transfers, direct debits, card payments, and electronic payment transactions domestically and internationally.
Can transfers be made between service users?
Transfers within Nykredit banking customers are supported as internal account transfers.
Are transfers to bank cards supported?
Transfers directly to bank cards are not standard; transfers are generally to bank accounts.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and internationally are supported.
Is bill payment available?
Bill payment services are supported, including automatic bill payment registration via Betalingsservice.
Are recurring payments supported?
Recurring payments and direct debit setups are supported.
Can automatic transfers be set up?
Automatic payment and transfer scheduling is available through online banking.
Is payment scheduling available?
Nykredit supports scheduled payments and future-dated transfers.
Are group payments supported?
There is no public detailed info on group payment features.
Can payment links be created?
Payment link generation capability is not publicly documented.
What are the minimum transaction amounts in the service?
Minimum transaction amounts depend on payment type and may be specified by the bank or service provider.
What are the maximum amounts that can be transferred?
Maximum transaction limits are set according to regulatory and internal risk policies and vary by account status.
Are there daily limits on operations?
Daily limits on transactions exist and depend on verification level and account type.
What monthly and annual limits are in effect?
Monthly and annual transaction limits follow regulatory and bank-specific rules, scalable with verification.
Can limits be increased? How?
Limits may be increased by customer request and upon successful verification or credit evaluation.
Do limits differ for verified users?
Verified users receive higher transaction and transfer limits than unverified or partially verified users.
Are there restrictions for new accounts?
New accounts often have lower initial limits pending verification and usage history.
Do special limits apply in different countries?
Geographic restrictions may apply for cross-border payments according to regulations.
Can operations be temporarily blocked?
Operations can be temporarily blocked for security, compliance, or fraud prevention reasons.
Are there limits on the number of daily operations?
Limits on number of daily transfers or transactions apply, depending on account and risk profile.
What are the minimum amounts for account funding?
Minimum funding amounts vary by funding method; deposits can be as small as a few DKK.
What methods of funding are supported?
Funding methods include bank transfers, card payments, and direct deposits.
Are there fees for funding?
Funding is generally free but may incur fees depending on method and intermediary institutions.
What are the minimum funding amounts?
Minimum funding thresholds depend on payment method and account type.
How quickly are funds credited when funding?
Funding via bank transfers usually takes 1-2 business days; card payments may be faster.
How can money be withdrawn from the system?
Withdrawals are possible via bank transfer, ATMs, card payments, and possibly checks for some accounts.
Are there fees for fund withdrawal?
Withdrawal fees may apply, depending on method and account type, disclosed in fee schedules.
How long does withdrawal take?
Withdrawals typically take 1-3 business days depending on method and banks involved.
What withdrawal limits are set?
Withdrawal limits depend on account verification status and bank policies.
How quickly are funds credited when funding with a card?
Card funding can be credited almost instantly or within hours, subject to card processor policies.
How long does a bank transfer take?
Bank transfers usually take 1-2 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers within Nykredit accounts are processed instantly or near real-time.
Are there delays when funding on weekends?
Funding via bank transfer is generally delayed on weekends; card payments may be available with limited delay.
Do holidays affect funding speed?
Public holidays delay banking transaction processing times.
Can crediting be accelerated for a fee?
Express payment options may be available for fees, depending on the banking channel.
What determines the speed of funding processing?
Processing speed depends on payment method, intermediary banks, and banking hours.
Are there notifications about funding status?
Users receive notifications via the online banking platform and mobile app about funding status.
What to do if funding takes too long?
Contact customer support immediately if funding delays occur to investigate and resolve.
How quickly are withdrawal requests processed?
Withdrawal requests are processed during business days with typical 1-3 day turnaround.
How long does card withdrawal take?
Card withdrawals are usually instantaneous at ATMs or require 1-2 days for online card payouts.
How quickly do bank transfers arrive?
Bank transfers generally arrive within 1-2 business days.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawals processing is generally delayed on weekends and holidays.
Do holidays affect withdrawal speed?
Withdrawals are affected by holidays as banks do not process payments during non-business days.
Can withdrawal be accelerated for an additional fee?
Priority withdrawal options may exist subject to fees and bank policies.
What determines withdrawal processing time?
Time depends on withdrawal method, banking hours, and regulatory checks.
Are there notifications about withdrawal status?
Users receive status updates via banking apps and online platforms.
Can a withdrawal request be canceled?
Cancellation may be possible within a limited time frame before processing.
How to register with the payment service?
Registration is done via Nykredit's website or branches by providing required identification and agreeing to terms.
What data is needed to create an account?
Personal identification, contact information, proof of address, and tax information.
Can registration be done without email?
Email is typically required for account activation and communication.
Is phone confirmation required during registration?
Phone confirmation is often part of the verification process for security.
Are there age restrictions for registration?
Minimum age is typically 18 years.
Can a corporate account be created?
Yes, Nykredit provides business and corporate banking accounts.
Is it required to provide real data?
Real and verifiable data is mandatory under AML and KYC regulations.
Are there country restrictions for registration?
Registration is generally restricted to residents of Denmark or those with legal ties.
How long does account activation take?
Account activation may take from same-day up to a few business days depending on verification.
What verification levels exist?
Multiple verification tiers including basic (ID verification) and enhanced (proof of address, income).
What documents are required for basic verification?
Valid government-issued ID such as passport or national ID card.
Are documents needed for full verification?
Yes, including proof of address and possibly income or employment verification.
Are digital copies of documents accepted?
Digital document submission is accepted for convenience.
How long does the verification procedure take?
Verification takes between one to several business days.
Can the service be used without verification?
Limited service usage is possible; however, full functionality requires verification.
What restrictions apply to unverified users?
Unverified users face transaction limits and restricted access to services.
Is address confirmation required?
Yes, address verification is part of compliance checks.
Is a selfie with documents required?
Some level of biometric verification may be used for remote account opening.
How often do documents need to be updated?
Documents may need updating every few years or on significant changes to comply with regulations.
What encryption technologies does the service use?
Standard secure encryption protocols (TLS 1.2/1.3) for data transfer.
Is two-factor authentication supported?
Yes, 2FA is supported for login and transaction authorization.
Are there SMS confirmations for operations?
SMS OTPs are used for transaction confirmations and security alerts.
Is biometric authentication supported?
Biometric login available on mobile app platforms, using fingerprint or facial recognition.
Is blockchain technology used?
No verified use of blockchain technology in core banking services.
Is there a multi-level security system?
Yes, employing multi-layered security measures including encryption, authentication, and monitoring.
How is user personal data protected?
Data is safeguarded under GDPR compliance with strict access controls and privacy policies.
Is cold storage used for cryptocurrencies?
Cryptocurrency services are not provided, so no cold storage.
Is there DDoS attack protection?
DDoS protection is integrated as part of infrastructure security measures.
Are regular security audits conducted?
Regular security audits — both internal and external — are conducted per regulatory standards.
What anti-phishing protection measures are provided?
Customer education, secure login processes, and fraud detection monitor phishing attempts.
Is there a suspicious activity detection system?
Yes, AML systems and fraud detection monitor transactions for suspicious patterns.
How does the service combat money laundering?
Compliance with AML regulations, KYC checks, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts can be blocked or frozen on detection of suspicious activity.
What to do when fraud is detected?
Contact customer service immediately; Nykredit will investigate and take protective action.
How to report suspicious activity?
Via customer service channels or designated fraud reporting contacts.
Is there compensation for damage from fraudsters?
Compensation policies depend on case; banks generally indemnify clients following fraud investigations.
What user rights exist for disputed transactions?
Users can dispute transactions and request investigations per Danish banking law.
How to dispute account blocking?
Contact customer service and file a formal dispute request for account restrictions.
Is there insurance against cyber attacks?
Nykredit likely carries cyber insurance as part of overall risk management.
What fees does the service charge for transfers?
Fees vary by transfer type; details published in Nykredit’s price lists.
Are there fees for account funding?
Generally no fees for standard fundings but third-party fees may apply.
Are fees charged for fund withdrawal?
Withdrawal fee policies apply depending on method and account type.
Are there fees for currency conversion?
Currency conversion fees apply as per price lists, usually a percentage spread.
Are there fees for account inactivity?
Inactivity fees may apply as per terms and conditions.
Are there account maintenance fees?
Account fees vary by account type and service level.
Are fees charged for operation cancellation?
Cancellation fees may apply on certain transaction types.
Are there fees for expedited operations?
Expedited services sometimes carry additional fees.
Are there hidden fees?
Nykredit adheres to transparency laws, minimizing undisclosed fees.
How are fees calculated for large amounts?
Fees may be negotiated or tiered for large transactions.
Are there different tariff plans in the service?
Pricing plans differ for retail, business, and VIP customers.
What advantages does VIP status provide?
VIP customers receive priority service, dedicated support, and customized offers.
How to get preferential conditions?
Preferential conditions are typically granted upon meeting deposit or transaction thresholds.
Are there free operations per month?
Some free transaction allowances may be included in certain account types.
Are there discounts for active users?
Discounts or rebates may be offered for high-volume or loyal customers.
Are there corporate tariffs?
Corporate tariffs are offered with specialized pricing structures.
Can individual conditions be obtained?
Customized pricing and conditions may be negotiated for select clients.
Do promotional codes work for fee reduction?
Promotional codes are not commonly part of banking service fee structures.
Are there cashback programs?
Cashback on certain cards or products might be available.
Are there discounts for transaction volumes?
Volume discounts may apply to corporate and mortgage customers.
Is there an official mobile application?
Yes, the official mobile banking app is called MitNykredit.
On which platforms is the application available?
MitNykredit is available on iOS and Android platforms.
What functions are available in the mobile application?
Account management, transfers, bill payments, mortgage tracking, card management, and advisor communication.
Does functionality differ from the web version?
The mobile app provides a streamlined experience with most essential banking functions; some advanced services are web-exclusive.
Is Touch ID/Face ID supported?
The app supports biometric authentication like Touch ID and Face ID where devices allow.
Can the application work offline?
Limited offline capabilities, mainly for viewing cached data; transactions require online access.
Are there push notifications about operations?
Push notifications are supported for transactions, alerts, and messages.
Is dark theme supported?
Dark mode is supported on mobile apps as per device settings.
How often is the mobile application updated?
The app receives frequent updates, typically every few weeks or months.
Are there beta versions of the application?
Public beta versions are not generally advertised.
Is the web interface of the service convenient?
The web platform is designed for user convenience with modern UX/UI standards.
Is responsive design supported?
Yes, the web interface is responsive for use on various devices.
In which languages is the interface available?
The interface is primarily in Danish with some English support.
Is there a night mode for the website?
Night mode or dark theme is available depending on browser or system settings.
Are hotkeys supported?
Hotkeys are not a primary feature but may be present in limited form.
Can data be exported?
Data export options are available for statements and transaction histories.
Is there an API for developers?
No public developer API is available to third parties.
Is integration with other services supported?
Integration with some third-party services may be enabled, primarily through banking protocols or corporate partnerships.
How often is the web interface updated?
The web interface is updated periodically in line with security and feature upgrades.
Are there virtual cards in the service?
Virtual card services are not explicitly confirmed.
Can disposable cards be created?
Disposable or temporary cards are not publicly advertised.
Is multi-currency account functionality supported?
Multi-currency account features exist primarily for business and investment customers.
Are there investment products?
Nykredit provides investment management and securities trading services.
Can interest be earned on balance?
Interest-bearing accounts are available for certain account types.
Are there credit products?
Credit and lending products include mortgages, personal loans, and credit facilities.
Is P2P trading supported?
There is no specific information on peer-to-peer trading functionality.
Can cryptocurrencies be bought/sold?
Cryptocurrencies are not supported for trading through Nykredit services.
Is there acquiring for business?
Merchant acquiring services are offered for business clients.
Are mass payouts supported?
Bulk payment services for corporate customers are supported.
Is there a loyalty program in the service?
Customer loyalty programs exist through KundeKroner and ErhvervsKroner benefits.
How are bonus points earned?
Bonus programs relate to mortgage administration margin discounts and product usage.
Is there cashback for operations?
Cashback may be included with select payment cards.
Are there referral programs?
No widely marketed referral program is documented.
What privileges do VIP clients have?
VIP clients receive personalized advisory, financial benefits, and priority access.
Are there seasonal promotions and offers?
Seasonal promotions are occasionally offered for financial products.
Can premium status be obtained?
Premium status is granted based on criteria like assets and transaction volume.
Are there partner discounts?
Partner discount programs exist in cooperation with mortgage and banking partners.
Are there corporate loyalty programs?
Corporate clients have access to specialized loyalty and pricing programs.
Does the service allow operations with online casinos?
No explicit policy permitting or forbidding online casino transactions is publicly detailed.
Are there restrictions on gambling transactions?
Financial institutions often comply with regulations that place limits or require monitoring of gambling-related transactions.
Can accounts be blocked for casino play?
Accounts may be subject to blocking if suspicious gambling-related activity is detected.
How does the service view gambling?
Gambling transactions are monitored in line with AML and responsible banking policies.
Are there special conditions for gambling?
No publicly available special terms for gambling transactions.
Are casino transactions tracked?
Transactions suspect of gambling are monitored per regulatory requirements.
Can operations with gambling sites be hidden?
Financial institutions typically do not allow hiding of gambling transactions due to legal compliance.
Are there notifications about gambling expenses?
No direct notification service specifically for gambling expenses is noted.
Are there special fees for gambling operations?
No specific gambling transaction fees are publicly documented.
Can limits be set on gambling?
Spending control may be possible via general account settings but not specifically for gambling.
Is there a self-exclusion function?
Not specifically detailed but financial advice may include support for problem gambling.
Can access to gambling sites be restricted?
Restriction of gambling site access is not typically handled by banks.
Is gambling expense control supported?
Expense control tools exist generally but not specific to gambling.
Are there notifications about limit exceedance?
General transaction limits trigger notifications; no specific gambling alerts.
Can operations with casinos be blocked?
Banks can block suspicious or illicit transactions, including those involving casinos.
Is there gambling expense statistics?
No dedicated public statistics on gambling expenses provided.
Is a "cooling-off period" supported?
No explicit gambling-related cooling-off periods are mentioned.
Can help be obtained for gambling addiction?
Banks may refer customers to external support organizations.
Is there partnership with player assistance organizations?
No publicly identified partnerships specifically for gambling addiction support.
How to set up gambling expense notifications?
Users can generally set transaction alerts but not specific gambling expense notifications.
Which online casinos accept this payment method?
Nykredit debit or credit cards may be accepted by some online casino merchants.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships with casino operators are known.
Do conditions differ when used in different casinos?
Terms depend on merchant policies, not the payment service.
Are there special bonuses for using this method in casinos?
No casino-specific bonuses linked to Nykredit payment methods.
Can the method be used for both deposits and withdrawals in casinos?
As a bank card or account payment method, Nykredit products may be used for deposits but not typically for casino withdrawals.
Are there geographic restrictions for casino usage?
Usage is subject to Danish and international gambling laws and merchant acceptance.
How do casino operators typically process transactions from this method?
Processed as regular card or bank transfers subject to normal payment network rules.
Are there typical processing times when used with casinos?
Processing is generally the speed of normal card or bank payments.
Do casinos usually charge additional fees for this method?
Fees depend on individual casino policies, not the payment service provider.
Are there any known compatibility issues with major casino platforms?
No known issues specific to Nykredit payment methods.