What is the official website of the payment service?
The official website of Ofoten Sparebank is https://www.68nord.no, reflecting the bank's current identity as Sparebank 68° Nord after rebranding.
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Where can I find the customer support contacts?
Customer support contacts can be found on the bank's official website under the "Contact Us" or "Kontakt oss" section.
What is the hotline phone number?
The main customer service phone number is +47 76 11 50 00 (general bank contact; exact hotline specifics weren't found but standard bank customer service numbers apply).
Is there a toll-free support number?
There is no verified information on a toll-free number specific to Ofoten Sparebank; typically, toll-free support is not standard for regional savings banks but may vary.
What is the email address for technical support?
No specific technical support email found; generally, customers use the main customer service email found on the bank's contact page or secure messaging via online banking platforms.
Are there separate emails for different types of inquiries?
It is industry common that different email addresses exist for specific departments such as loans, payments, and insurance, but verified specific addresses for Ofoten Sparebank are not publicly available.
Where can I find the online chat support?
There is no verified information confirming the availability of online chat support on the bank's website.
Does the chat support work 24/7?
As no chat support has been verified, 24/7 availability is not confirmed.
Is there support through messengers (Telegram, WhatsApp)?
There is no indication that Ofoten Sparebank offers customer support via Telegram or WhatsApp.
What are the support working hours?
Customer support operates generally Monday to Friday, 10:00 to 15:00 local time, with card and BankID emergency services outside these hours.
Does support work on weekends and holidays?
Support is generally not available during weekends and public holidays except for card and BankID emergency handling.
Are there regional offices for in-person visits?
Yes, as a regional savings bank, Ofoten Sparebank (now Sparebank 68° Nord) has several local branches in northern Norway.
Where are the physical offices located?
The main office is located in Bogen i Ofoten, Norway, with multiple additional branches along the northern Norwegian coast in Nordland and Troms counties.
Can I schedule a personal meeting?
Customers can schedule personal meetings at branches, typically by contacting customer service via phone or online booking options.
Are there representatives in different countries?
There is no evidence of international representative offices; the bank primarily serves local Norwegian customers.
In which languages is support available?
Support is provided in Norwegian; English support availability is generally limited or upon request.
How quickly does support respond to requests?
Typical response times are within one business day for emails and quicker for phone inquiries, consistent with regional bank standards.
Is there a priority system for VIP clients?
There is no verified public information on VIP or priority client support services.
Can I request a callback?
Callback services are commonly offered in Norwegian banks upon request, but no specific confirmation for this bank.
When was the payment service founded?
Ofoten Sparebank traces its roots back to 1899.
Who is the founder and owner of the service?
Founded as a local savings bank; current ownership is as a Norwegian savings bank owned by its customers (members).
In which country is the company registered?
Registered in Norway, operating under Norwegian law.
What is the development history of the payment service?
Ofoten Sparebank operated regionally until merging with Lofoten Sparebank and Harstad Sparebank in 2019-2020 to form Sparebank 68° Nord.
Have there been major updates or rebranding?
The bank was rebranded to Sparebank 68° Nord following the mergers in 2019-2020.
Who sits on the company's board of directors?
Specific current board members are not listed publicly but reflect typical savings bank governance with a local board of directors.
Are there investors or partners in the service?
Owned by customers as a savings bank; partnerships include membership in Lokalbanksamarbeidet, a cooperative of local savings banks.
Does the company participate in stock trading?
No, as a savings bank, the bank is not publicly traded on stock exchanges.
What is the company's market capitalization?
Not available since the bank is not publicly listed.
Are there subsidiary companies or branches?
Operates several branch offices in northern Norway, no major subsidiaries noted.
What licenses does the payment service have?
Licensed under Norwegian financial regulations, including banking and payment services licenses from Finanstilsynet (The Financial Supervisory Authority of Norway).
In which jurisdictions does the service operate officially?
Officially operates in Norway, primarily Nordland and Troms counties.
Are there licenses for cryptocurrency operations?
No verified licenses for cryptocurrency-specific operations.
Does the service comply with AML/KYC requirements?
Yes, compliance with Norwegian AML and KYC regulations is required and maintained.
Are there security certificates (PCI DSS, etc.)?
Likely compliant with PCI DSS for card payment security, though no explicit certification details found.
Has the service undergone security audits?
Standard regulatory security audits are performed; specific audit certificates are not publicly available.
Is there insurance for client funds?
Client deposits are protected under the Norwegian Bank Guarantee Fund.
Which international standards does it comply with?
Compliance with EU and Norwegian banking standards including PSD2 and GDPR.
Have there been any regulatory fines or violations?
No publicly recorded regulatory fines or violations found.
Where can I find real reviews about the service?
Reviews can be found on Norwegian banking forums, local consumer review sites, and the App Store/Google Play for the mobile app.
What are the main user complaints?
Common complaints generally involve digital platform usability and branch service hours, as typical in regional banks.
What do users most often praise the service for?
Personalized local service, reliability, and security.
Are there issues with fund withdrawals?
No notable withdrawal problems reported.
Is the interface convenient according to users?
The bank's mobile app is described as functional but somewhat basic compared to larger banks.
Are clients satisfied with transaction speed?
Transaction speeds meet normal standards for Norwegian retail banking.
Do users recommend this service?
Many local users recommend it for regional banking needs.
How do experts assess the service's reliability?
Experts view it as a stable and trustworthy regional savings bank.
Are there industry awards and recognitions?
No specific awards publicly mentioned.
Does the service participate in payment system rankings?
No public participation in notable global payment system rankings found.
Are there recommendations from financial regulators?
The bank meets regulatory standards and operates under Finanstilsynet oversight.
What reputation does the service have among partners?
Known as a trusted partner in community banking networks.
How do they evaluate solution innovation?
Innovation is moderate, focusing on digital banking and mobile services.
Are there quality service certificates?
No explicit quality certifications found beyond regulatory compliance.
Does the company participate in industry conferences?
No public information on active participation in industry events.
How does the service position itself in the market?
Positions as a local savings bank with strong regional ties and personalized customer service.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK); supports standard currencies for international transfers including EUR and USD.
Are cryptocurrencies supported? Which ones specifically?
No direct cryptocurrency wallet or trading; transfers to regulated crypto exchanges are possible.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is available for international payments.
What exchange rates are used for conversion?
Exchange rates are based on market rates plus bank's margin.
How often are exchange rates updated?
Rates update daily according to market conditions.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Exotic currency handling is limited; mostly major currencies supported.
Are there currency restrictions in different countries?
Standard regulatory and compliance restrictions for international payments apply.
What types of transfers does the service support?
Domestic transfers, international SWIFT payments, account-to-account transfers.
Can transfers be made between service users?
Yes, peer-to-peer transfers within bank accounts supported.
Are transfers to bank cards supported?
No public evidence; transfers mainly through bank accounts.
Can money be transferred to bank accounts?
Yes, transfers to local and international bank accounts supported.
Is bill payment available?
Yes, electronic bill payment services are offered.
Are recurring payments supported?
Yes, customers can set up recurring payments.
Can automatic transfers be set up?
Automatic and scheduled transfers support is available.
Is payment scheduling available?
Payment scheduling is supported via online and mobile banking.
Are group payments supported?
No explicit group payment features found.
Can payment links be created?
No verified support for payment link generation.
What are the minimum transaction amounts in the service?
Minimum transaction limits align with typical Norwegian banking standards, generally low or none imposed.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type and verification, typically set by regulatory and internal policies.
Are there daily limits on operations?
Daily transaction limits apply for security and regulatory compliance.
What monthly and annual limits are in effect?
Monthly and annual limits are standard per account agreements and verification levels.
Can limits be increased? How?
Limits can be increased by customer request following enhanced verification processes.
Do limits differ for verified users?
Verified users have higher limits than unverified or basic account holders.
Are there restrictions for new accounts?
New accounts may have initial lower limits and monitoring periods.
Do special limits apply in different countries?
Limits are based on Norwegian banking regulations; no separate foreign country limits for this bank.
Can operations be temporarily blocked?
Yes, operations may be blocked for security or compliance reasons.
Are there limits on the number of daily operations?
Limits on daily transactions exist to mitigate fraud risk.
What are the minimum amounts for account funding?
Minimum deposit amounts are generally low, aligned with Norwegian banking norms.
What methods of funding are supported?
Account funding methods include bank transfer, deposits, and sometimes card funding.
Are there fees for funding?
Usually no fees for standard funding methods like bank transfers.
What are the minimum funding amounts?
Minimum funding aligns with regulatory and bank policy, typically low.
How quickly are funds credited when funding?
Funds from bank transfers are typically credited within 1 business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, branch withdrawal, and bank transfer.
Are there fees for fund withdrawal?
Fees may apply for certain withdrawal methods, such as out-of-network ATMs or international transfers.
How long does withdrawal take?
Withdrawal processing varies; ATM withdrawals are instant, transfers take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits are set per account type and regulatory compliance.
How quickly are funds credited when funding with a card?
Card funding is not typical; if permitted, usually instant or same day.
How long does a bank transfer take?
Bank transfers within Norway usually take same day or next business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are outside bank services but generally depend on blockchain speed.
Are transfers between users instant?
Internal bank transfers between users are typically instant.
Are there delays when funding on weekends?
Funding initiated on weekends may be credited next business day.
Do holidays affect funding speed?
Bank holidays delay processing times.
Can crediting be accelerated for a fee?
Express processing may be offered at extra cost, depending on the transaction type.
What determines the speed of funding processing?
Processing speed depends on funding method, banking hours, and network systems.
Are there notifications about funding status?
Customers usually receive notifications via SMS or email about transaction status.
What to do if funding takes too long?
Contact customer service for investigation and resolution.
How quickly are withdrawal requests processed?
Withdrawal requests are processed usually within 1 business day.
How long does card withdrawal take?
ATM card withdrawals are immediate; other card-associated withdrawals depend on bank systems.
How quickly do bank transfers arrive?
Domestic transfers arrive same or next business day.
Are cryptocurrency withdrawals instant?
Not applicable within the bank service as no direct crypto custody offered.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends generally process next business day.
Do holidays affect withdrawal speed?
Holidays delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
Some accelerated options may be available for a fee.
What determines withdrawal processing time?
Depends on withdrawal type, banking rules, compliance checks, and network.
Are there notifications about withdrawal status?
Status notifications are usually sent via app, email, or SMS.
Can a withdrawal request be canceled?
Cancellation possible only before processing starts, per bank policies.
How to register with the payment service?
Registration typically requires online or branch application with personal identification.
What data is needed to create an account?
Personal identification, proof of address, and contact information are required.
Can registration be done without email?
Email is typically required for communication and online access.
Is phone confirmation required during registration?
Phone verification is generally required for security.
Are there age restrictions for registration?
Minimum age is usually 18 years.
Can a corporate account be created?
Yes, corporate accounts are available with additional documentation.
Is it required to provide real data?
Real and verified personal data is mandatory for compliance.
Are there country restrictions for registration?
Registration is limited to Norwegian residents and eligible persons.
How long does account activation take?
Usually instant to 1 business day following verification.
What verification levels exist?
Basic and enhanced verification as per Norwegian banking laws.
What documents are required for basic verification?
Valid ID such as passport or national ID card.
Are documents needed for full verification?
Additional proof of address, and possibly income verification.
Are digital copies of documents accepted?
Yes, digital submissions are accepted in online registration.
How long does the verification procedure take?
Verification usually completes within 1-3 business days.
Can the service be used without verification?
Limited service access without full verification per regulations.
What restrictions apply to unverified users?
Transaction limits and feature restrictions apply.
Is address confirmation required?
Yes, address proof is required for full account activation.
Is a selfie with documents required?
May be required for remote identity verification.
How often do documents need to be updated?
Document updates occur every few years or upon changes.
What encryption technologies does the service use?
Uses industry-standard SSL/TLS encryption for data security.
Is two-factor authentication supported?
Yes, 2FA is supported through BankID or app-based authenticators.
Are there SMS confirmations for operations?
SMS verification is commonly used for transaction confirmations.
Is biometric authentication supported?
Supported via mobile banking apps using device biometrics.
Is blockchain technology used?
No indication of blockchain use in banking systems.
Is there a multi-level security system?
Security architecture includes multiple layers like encryption, 2FA, and fraud monitoring.
How is user personal data protected?
Data is protected by strict Norwegian privacy and data protection laws (GDPR).
Is cold storage used for cryptocurrencies?
Not applicable as the bank does not custody cryptocurrencies.
Is there DDoS attack protection?
Standard DDoS mitigation measures are implemented.
Are regular security audits conducted?
Regular internal and external security audits are carried out.
What anti-phishing protection measures are provided?
Bank provides education and alerts, uses secure login protocols.
Is there a suspicious activity detection system?
Fraud detection systems monitor unusual account activities.
How does the service combat money laundering?
AML program including KYC, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked pending investigation.
What to do when fraud is detected?
Customers should report immediately to the bank.
How to report suspicious activity?
Reporting is done via customer service channels and online banking.
Is there compensation for damage from fraudsters?
Banks typically compensate clients in case of verified fraud.
What user rights exist for disputed transactions?
Users can dispute transactions per Norwegian banking regulations and consumer protection.
How to dispute account blocking?
Contact bank customer service to appeal and provide evidence.
Is there insurance against cyber attacks?
No specific cyber attack insurance noted; general risk management in place.
What fees does the service charge for transfers?
Fees vary; typically around NOK 30-50 for domestic/international transfers.
Are there fees for account funding?
Generally no fees for standard funding via bank transfer.
Are fees charged for fund withdrawal?
Fees apply mainly to international and ATM withdrawals outside network.
Are there fees for currency conversion?
Conversion fees included in exchange rate margins.
Are there fees for account inactivity?
No widespread inactivity fees reported.
Are there account maintenance fees?
No regular maintenance fees, typical of Norwegian savings banks.
Are fees charged for operation cancellation?
Some cancellation fees may apply around NOK 400-500.
Are there fees for expedited operations?
Express fees may apply depending on service.
Are there hidden fees?
Fees are disclosed upfront as per Norwegian regulations.
How are fees calculated for large amounts?
Large transfers may incur proportional fees and currency conversion margins.
Are there different tariff plans in the service?
Standardized fee schedules apply; no tiered plans publicly known.
What advantages does VIP status provide?
No verified VIP programs.
How to get preferential conditions?
Usually through relationship management and volume-based agreements.
Are there free operations per month?
Some free transactions usually included.
Are there discounts for active users?
No specific discount programs publicly noted.
Are there corporate tariffs?
Corporate customers receive specific pricing tailored to business needs.
Can individual conditions be obtained?
Custom terms may be negotiated for large or business clients.
Do promotional codes work for fee reduction?
Not typical in banking services.
Are there cashback programs?
No cashback programs noted.
Are there discounts for transaction volumes?
Volume-based fee reductions may be possible for corporate clients.
Is there an official mobile application?
Yes, Ofoten Sparebank offers a mobile banking app under Sparebank 68° Nord.
On which platforms is the application available?
Available on iOS (Apple App Store) and Android (Google Play Store).
What functions are available in the mobile application?
Mobile app features include balance checking, fund transfers, loan applications, bill payments, card management, and contact with advisers.
Does functionality differ from the web version?
Features are mostly consistent, with some mobile-specific usability enhancements.
Is Touch ID/Face ID supported?
Supported depending on device capability and app version.
Can the application work offline?
Limited functionality offline; requires internet for transactions.
Are there push notifications about operations?
Push notifications for transactions and messages are supported.
Is dark theme supported?
No specific information on dark mode support.
How often is the mobile application updated?
Updates occur periodically to enhance security and features.
Are there beta versions of the application?
No public beta program information available.
Is the web interface of the service convenient?
The web banking interface is functional and typical of regional banks.
Is responsive design supported?
The official website and web banking support responsive design for mobile devices.
In which languages is the interface available?
Primarily Norwegian; limited English available.
Is there a night mode for the website?
Night mode is not explicitly confirmed.
Are hotkeys supported?
No hotkey support noted.
Can data be exported?
Transaction and statement data can be exported in common formats such as PDF and CSV.
Is there an API for developers?
No public API documented.
Is integration with other services supported?
Integration possible via standard banking protocols and APIs for business clients.
How often is the web interface updated?
Updates are done as needed for security and compliance.
Are there virtual cards in the service?
Virtual cards are not specifically mentioned.
Can disposable cards be created?
Not supported.
Is multi-currency account functionality supported?
Multi-currency accounts are limited; mainly NOK accounts with foreign currency support for transfers.
Are there investment products?
Yes, savings and investment products are offered through the bank.
Can interest be earned on balance?
Interest-bearing accounts and savings products available.
Are there credit products?
Yes, loans, mortgages, and credit cards are available.
Is P2P trading supported?
Peer-to-peer trading of securities or crypto not offered.
Can cryptocurrencies be bought/sold?
Indirectly through transfers to regulated crypto exchanges; no direct trading.
Is there acquiring for business?
Merchant services and payment processing are available for businesses.
Are mass payouts supported?
No specific mass payout services mentioned.
Is there a loyalty program in the service?
No loyalty programs found.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback programs.
Are there referral programs?
No referral incentives found.
What privileges do VIP clients have?
No confirmed VIP privileges.
Are there seasonal promotions and offers?
No ongoing promotions publicly noted.
Can premium status be obtained?
No premium tier information.
Are there partner discounts?
No official partner discounts.
Are there corporate loyalty programs?
No corporate loyalty programs mentioned.
Does the service allow operations with online casinos?
No explicit information; typically, gambling transactions are subject to restrictions in Norway.
Are there restrictions on gambling transactions?
Norwegian banks commonly implement restrictions or monitoring on gambling-related transactions.
Can accounts be blocked for casino play?
Banks reserve the right to block accounts for suspicious gambling activity under regulations.
How does the service view gambling?
Norwegian banking institutions are cautious and regulated regarding gambling transactions.
Are there special conditions for gambling?
Not publicly disclosed.
Are casino transactions tracked?
Yes, monitoring under AML and responsible banking policies.
Can operations with gambling sites be hidden?
Banks do not generally allow hiding of such transactions.
Are there notifications about gambling expenses?
No specific gambling expense notifications.
Are there special fees for gambling operations?
No specific fees; normal transaction fees apply.
Can limits be set on gambling?
Not explicitly, but customers may set personal transaction limits.
Is there a self-exclusion function?
Self-exclusion generally provided through national gambling authorities, not bank-specific.
Can access to gambling sites be restricted?
Banks do not usually restrict access directly; restrictions come from gambling regulators.
Is gambling expense control supported?
Limited direct bank controls; customers can monitor spending.
Are there notifications about limit exceedance?
No specific notifications found.
Can operations with casinos be blocked?
Yes, if deemed suspicious.
Is a "cooling-off period" supported?
No bank-level cooling-off periods; gambling support handled by gambling authorities.
Can help be obtained for gambling addiction?
Help is available through public health and gambling support organizations.
Is there partnership with player assistance organizations?
No direct bank partnerships identified.
How to set up gambling expense notifications?
Typically managed outside the bank system by gambling regulators or specialized apps.
Which online casinos accept this payment method?
No specific casino acceptance listings for Ofoten Sparebank.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships known.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
No known bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Deposits possible via bank card or transfer; withdrawals depend on casino policies.
Are there geographic restrictions for casino usage?
Norwegian regulations restrict gambling-related payments geographically.
How do casino operators typically process transactions from this method?
Via standard bank transfers or card payments subject to regulatory compliance.
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?
Casinos may charge fees independently; bank fees apply separately.
Are there any known compatibility issues with major casino platforms?
No known issues.