What is the official website of the payment service?
https://www.omasp.fi
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Where can I find the customer support contacts?
Customer support contacts are available on the "Contact" page of the official website, www.omasp.fi/en/contact.
What is the hotline phone number?
The main customer service phone number is +358 207 640 600.
Is there a toll-free support number?
No verified information found about a toll-free support number for Oma Säästöpankki.
What is the email address for technical support?
No verified specific technical support email address is publicly listed.
Are there separate emails for different types of inquiries?
No specific separate email addresses for different inquiries verified; general contact is via the official site.
Where can I find the online chat support?
Online chat support is available through the OmaSp mobile app and digital channels on the official website.
Does the chat support work 24/7?
Chat support hours are not confirmed as 24/7; customer service operates mainly within regular business hours.
Is there support through messengers (Telegram, WhatsApp)?
No verified information about support via Telegram or WhatsApp.
What are the support working hours?
Customer service hours are Monday to Friday 8:00 AM – 8:00 PM, and Saturday 10:00 AM – 2:00 PM, with some variations in July.
Does support work on weekends and holidays?
Support works limited hours on Saturdays, closed on Sundays and some holidays.
Are there regional offices for in-person visits?
Yes, there are multiple branch offices across Finland.
Where are the physical offices located?
Main headquarters at Valtakatu 32, Lappeenranta, South Karelia, Finland, plus 35 branch offices nationwide.
Can I schedule a personal meeting?
Yes, personal meetings can be arranged via branch offices; usually by appointment.
Are there representatives in different countries?
No verified foreign representative offices; operations mainly in Finland.
In which languages is support available?
Finnish and Swedish are the primary languages; some support in English likely available.
How quickly does support respond to requests?
Typical response times vary; chat and phone support generally respond promptly within minutes to hours.
Is there a priority system for VIP clients?
No verified data about VIP priority support.
Can I request a callback?
No confirmed callback service found.
When was the payment service founded?
Oma Säästöpankki (OmaSp) originated in the Finnish savings bank tradition dating back several decades; the modern format is recent but no exact founding year verified.
Who is the founder and owner of the service?
Owned by Oma Sp Savings Bank Plc, a Finnish savings bank; no individual founder name verified.
In which country is the company registered?
Registered in Finland.
What is the development history of the payment service?
Evolved from local savings bank networks into a digital and branch-based bank serving 150,000+ customers with digital banking solutions.
Have there been major updates or rebranding?
No major rebranding identified recently; continuous digital channel upgrades like OmaSp mobile app launched.
Who sits on the company's board of directors?
Specific board members are not publicly listed in current data.
Are there investors or partners in the service?
Partners include other Finnish financial institutions for product intermediation; no external investors disclosed.
Does the company participate in stock trading?
OmaSp is a privately held savings bank, not publicly traded.
What is the company's market capitalization?
Market capitalization data not applicable as it’s not publicly traded.
Are there subsidiary companies or branches?
Yes, operates 35 branch offices across Finland.
What licenses does the payment service have?
Holds Finnish Financial Supervisory Authority regulated banking licenses.
In which jurisdictions does the service operate officially?
Operates officially within Finland and the European Economic Area for payments.
Are there licenses for cryptocurrency operations?
No verified licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, fully compliant with AML and KYC regulations per Finnish and EU banking standards.
Are there security certificates (PCI DSS, etc.)?
No specific certified details publicly disclosed, but banking operations adhere to industry security standards.
Has the service undergone security audits?
Regular security audits are a standard for banks; no explicit public report found.
Is there insurance for client funds?
Deposits are protected under the Finnish deposit guarantee scheme.
Which international standards does it comply with?
Compliant with EU financial services directives, PSD2, GDPR for data protection.
Have there been any regulatory fines or violations?
No publicly disclosed regulatory fines or violations.
Where can I find real reviews about the service?
Reviews can be found on Finnish financial forums and app stores (Google Play for OmaSp Mobile app).
What are the main user complaints?
Some users mention limitations in online banking features and occasional slower response times.
What do users most often praise the service for?
Users praise its local customer service focus and easy-to-use mobile banking app.
Are there issues with fund withdrawals?
No significant reported issues with fund withdrawals.
Is the interface convenient according to users?
Mobile and online banking interfaces are regarded as intuitive and user-friendly.
Are clients satisfied with transaction speed?
Transactions within OmaSp accounts are instant; SEPA transfers to other banks usually same day on weekdays.
Do users recommend this service?
Positive local reputation results in moderate user recommendations.
How do experts assess the service's reliability?
Experts consider OmaSp a stable regional bank with solid service reliability.
Are there industry awards and recognitions?
No specific awards publicly noted.
Does the service participate in payment system rankings?
No known participation in global payment system rankings.
Are there recommendations from financial regulators?
Supervised and authorized by Finnish regulators, meeting compliance mandates.
What reputation does the service have among partners?
Regarded as a trustworthy partner in Finnish banking network.
How do they evaluate solution innovation?
Innovation focus on digital banking improvements like mobile payments and online banking.
Are there quality service certificates?
No explicit quality certifications publicized.
Does the company participate in industry conferences?
No public details on conference participation.
How does the service position itself in the market?
Positions as a strong local savings bank offering personal service with modern digital options.
Which fiat currencies does the service support?
Supports EUR prominently; foreign payments supported in AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, PLN, SEK, USD, NZD, ZAR, SGD.
Are cryptocurrencies supported? Which ones specifically?
No support for cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency.
Can currencies be converted within the service?
Currency conversion feature available within the online bank.
What exchange rates are used for conversion?
Uses market-based exchange rates updated regularly in their system.
How often are exchange rates updated?
Exchange rates are updated regularly; exact frequency not disclosed.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Exotic or minor currencies are not supported.
Are there currency restrictions in different countries?
Payments and currency handling are subject to EU and Finnish regulations and restrictions.
What types of transfers does the service support?
Supports SEPA transfers, foreign payments, real-time internal transfers.
Can transfers be made between service users?
Internal transfers between OmaSp customers are instant.
Are transfers to bank cards supported?
No verified data on card-to-card transfers.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts are supported.
Is bill payment available?
Yes, bill payment services are available.
Are recurring payments supported?
Recurring payment setup capability is typical but not specifically detailed.
Can automatic transfers be set up?
Automatic transfer feature likely supported in online banking.
Is payment scheduling available?
Payment scheduling features are generally available.
Are group payments supported?
No explicit information on group payments.
Can payment links be created?
No confirmed payment link creation feature.
What are the minimum transaction amounts in the service?
Minimum payment amount is EUR 0.01.
What are the maximum amounts that can be transferred?
Maximum amounts depend on user-set security limits and bank policies.
Are there daily limits on operations?
Daily limits apply, adjustable by users within security settings.
What monthly and annual limits are in effect?
Limits vary by account type and verification level.
Can limits be increased? How?
Limits may be increased by contacting customer service and verifying identity.
Do limits differ for verified users?
Verified users typically have higher limits.
Are there restrictions for new accounts?
New accounts have standard initial limits until full verification.
Do special limits apply in different countries?
Standard EU limits apply; no special country-based differences noted.
Can operations be temporarily blocked?
Temporary blocks can be applied for security reasons or at user request.
Are there limits on the number of daily operations?
Limits on daily operation counts are managed by the bank for security.
What are the minimum amounts for account funding?
Minimum deposit amounts often start from EUR 0.01 or a small practical threshold.
What methods of funding are supported?
Funding via bank transfer, card payments, and possibly other Finnish online bank payment methods.
Are there fees for funding?
Deposit fees are generally not charged for standard methods.
What are the minimum funding amounts?
Minimums are low, typically starting from a few cents or 1 euro.
How quickly are funds credited when funding?
Funding times vary; card payments are typically instant, bank transfers same day or next business day.
How can money be withdrawn from the system?
Withdrawals via bank transfer and possibly card withdrawals.
Are there fees for fund withdrawal?
Withdrawal fees depend on method; usually minimal or transparent fees apply.
How long does withdrawal take?
Withdrawals typically complete within 1-3 business days.
What withdrawal limits are set?
Withdrawal limits follow account-specific security and regulatory limits.
How quickly are funds credited when funding with a card?
Card funding is usually instant or within minutes.
How long does a bank transfer take?
Bank transfers to other banks are usually same business day on weekdays.
How quickly do cryptocurrency transfers arrive?
No cryptocurrency transfer services offered.
Are transfers between users instant?
Internal transfers are instant.
Are there delays when funding on weekends?
Weekend bank transfers to other banks process next business day.
Do holidays affect funding speed?
National holidays delay payment processing similar to weekends.
Can crediting be accelerated for a fee?
No specific express funding service confirmed.
What determines the speed of funding processing?
Processing depends on payment method, bank, and business day timing.
Are there notifications about funding status?
Funding status notifications are commonly provided through online banking portals.
What to do if funding takes too long?
Contact customer support; banks have procedures to investigate delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed promptly within business hours.
How long does card withdrawal take?
Card withdrawal times vary; not specified in detail.
How quickly do bank transfers arrive?
Usually within same day if submitted before cutoff on business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Withdrawals submitted on weekends processed on next business day.
Do holidays affect withdrawal speed?
Yes, holidays delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
No confirmed express withdrawal options.
What determines withdrawal processing time?
Depends on payment method, banking network, and verification.
Are there notifications about withdrawal status?
Withdrawal status tracking is typically available in customer online banking.
Can a withdrawal request be canceled?
Cancellation possible only if processing not yet complete; procedures vary.
How to register with the payment service?
Registration through OmaSp online bank or mobile app with personal identification.
What data is needed to create an account?
Personal ID details, contact information, and Finnish residency.
Can registration be done without email?
Email is usually required for communication and login.
Is phone confirmation required during registration?
Phone verification is common for security.
Are there age restrictions for registration?
Minimum age is generally 18 years.
Can a corporate account be created?
Yes, business accounts are available with separate procedures.
Is it required to provide real data?
Yes, identity verification with real data is mandatory by law.
Are there country restrictions for registration?
Must have Finnish residency or be legally authorized to open account in Finland.
How long does account activation take?
Activation typically occurs within a few days after verification.
What verification levels exist?
Basic and enhanced verification, following Finnish banking standards.
What documents are required for basic verification?
Valid ID card or passport, proof of address.
Are documents needed for full verification?
Additional documents may be requested for enhanced verification.
Are digital copies of documents accepted?
Yes, digital document upload is supported.
How long does the verification procedure take?
Usually 1-5 business days.
Can the service be used without verification?
Limited function without verification; full access requires KYC.
What restrictions apply to unverified users?
Typically low transaction limits and reduced service access.
Is address confirmation required?
Yes, address verification is mandatory.
Is a selfie with documents required?
Possibly required as part of modern KYC.
How often do documents need to be updated?
Typically every few years or as requested.
What encryption technologies does the service use?
Uses industry standard SSL/TLS encryption for data transmission.
Is two-factor authentication supported?
Yes, 2FA is supported for secure login.
Are there SMS confirmations for operations?
SMS verifications are commonly used for transactions.
Is biometric authentication supported?
Biometric login supported in mobile app (fingerprint/Face ID).
Is blockchain technology used?
No verified blockchain implementation.
Is there a multi-level security system?
Yes, layered security including encryption, 2FA, and secure authentication.
How is user personal data protected?
Complies with GDPR data protection laws and Finnish privacy regulations.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard bank-level DDoS mitigation systems are used.
Are regular security audits conducted?
Yes, regular audits are part of regulatory compliance.
What anti-phishing protection measures are provided?
User education, secure login methods, and monitoring.
Is there a suspicious activity detection system?
Yes, fraud detection systems monitor transactions.
How does the service combat money laundering?
Implements AML controls, transaction monitoring, and KYC procedures.
Is there blocking of suspicious accounts?
Yes, suspicious accounts can be blocked pending investigation.
What to do when fraud is detected?
Contact bank immediately; follow fraud investigation protocols.
How to report suspicious activity?
Reporting through customer service channels and digital banking alerts.
Is there compensation for damage from fraudsters?
Banks typically compensate fraud losses if customer exercised due care.
What user rights exist for disputed transactions?
Right to dispute unauthorized transactions under Finnish and EU law.
How to dispute account blocking?
Customers can appeal through customer service or complaint processes.
Is there insurance against cyber attacks?
Banks generally have cyber risk insurance but specifics not public.
What fees does the service charge for transfers?
Fees depend on type of transfer; SEPA usually low or free; foreign transfers charged per price list.
Are there fees for account funding?
Typically no fees for common account funding methods.
Are fees charged for fund withdrawal?
Withdrawal fees vary; usually low or no charge within Finland.
Are there fees for currency conversion?
Currency conversion fees are applied as per exchange rates policy.
Are there fees for account inactivity?
No publicly available inactivity fee policy.
Are there account maintenance fees?
Standard banking maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Usually no fees, but depends on timing and bank policy.
Are there fees for expedited operations?
No specific expedited service fees verified.
Are there hidden fees?
OmaSp strives for transparency; no verified hidden fees.
How are fees calculated for large amounts?
Fees for large transactions are typically proportional or fixed per bank tariff.
Are there different tariff plans in the service?
Yes, various account and service plans exist.
What advantages does VIP status provide?
No verified formal VIP program.
How to get preferential conditions?
Preferential terms usually via negotiated agreements for business clients.
Are there free operations per month?
Some accounts may have free transfer quotas.
Are there discounts for active users?
No verified active user discounts.
Are there corporate tariffs?
Yes, business accounts have separate tariffs.
Can individual conditions be obtained?
Custom conditions may be negotiated with bank.
Do promotional codes work for fee reduction?
Promotional fee reductions not commonly applied.
Are there cashback programs?
No cashback programs verified.
Are there discounts for transaction volumes?
Volume discounts not publicly listed.
Is there an official mobile application?
Yes, the OmaSp mobile app called OmaMobiili.
On which platforms is the application available?
Available for iOS and Android platforms.
What functions are available in the mobile application?
Account management, payments, transfers, bill payments, chat and video conferencing with support.
Does functionality differ from the web version?
Mobile app may have simplified and tailored features for convenience.
Is Touch ID/Face ID supported?
Yes, biometric login supported in mobile app.
Can the application work offline?
Basic viewing may be possible; transactions need online access.
Are there push notifications about operations?
Yes, push notifications are supported.
Is dark theme supported?
No specific data on dark mode support.
How often is the mobile application updated?
Updated regularly for improvements and security.
Are there beta versions of the application?
No public beta program noted.
Is the web interface of the service convenient?
Customers rate the web interface as user-friendly and accessible.
Is responsive design supported?
Yes, responsive design supports mobile and desktop browsers.
In which languages is the interface available?
Finnish, Swedish, and English available.
Is there a night mode for the website?
No verified night mode on the web interface.
Are hotkeys supported?
No data on hotkey support.
Can data be exported?
Likely supports data export for statements and transactions.
Is there an API for developers?
No public API is advertised for external developers.
Is integration with other services supported?
Bank integrates with Finnish payment networks and partners.
How often is the web interface updated?
Updated periodically with improvements.
Are there virtual cards in the service?
No verified virtual card service.
Can disposable cards be created?
No disposable card option verified.
Is multi-currency account functionality supported?
Multi-currency payments supported; no explicit multi-currency account.
Are there investment products?
Yes, investment and loan insurance products offered via partners.
Can interest be earned on balance?
Interest earning depends on account type.
Are there credit products?
Provides lending and credit products.
Is P2P trading supported?
No peer-to-peer trading platform.
Can cryptocurrencies be bought/sold?
Not offered.
Is there acquiring for business?
No specific acquiring services detailed.
Are mass payouts supported?
No mass payout service documented.
Is there a loyalty program in the service?
No loyalty program info found.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback offers reported.
Are there referral programs?
No referral program identified.
What privileges do VIP clients have?
No verified VIP client privileges.
Are there seasonal promotions and offers?
No distinct seasonal promotions publicly listed.
Can premium status be obtained?
No premium account upgrade known.
Are there partner discounts?
No partner discount schemes found.
Are there corporate loyalty programs?
No corporate loyalty programs verified.
Does the service allow operations with online casinos?
No verified policy allowing or disallowing operations with casinos.
Are there restrictions on gambling transactions?
Likely subject to Finnish regulatory restrictions on gambling transactions.
Can accounts be blocked for casino play?
Possible under Finnish law and banking policy.
How does the service view gambling?
Presumably cautious, complying with regulatory frameworks.
Are there special conditions for gambling?
No public special conditions disclosed.
Are casino transactions tracked?
Transaction monitoring is standard in banking for compliance.
Can operations with gambling sites be hidden?
No privacy for gambling transactions beyond data protection laws.
Are there notifications about gambling expenses?
No known gambling tracking alerts.
Are there special fees for gambling operations?
No specific gambling fees stated.
Can limits be set on gambling?
No gambling-specific spending controls verified.
Is there a self-exclusion function?
Not publicly documented in the service.
Can access to gambling sites be restricted?
Bank likely does not provide direct gambling site blocking.
Is gambling expense control supported?
No dedicated tools identified.
Are there notifications about limit exceedance?
No specific spending limit alerts for gambling reported.
Can operations with casinos be blocked?
Possible as part of fraud and compliance controls.
Is there gambling expense statistics?
Not publicly available.
Is a "cooling-off period" supported?
Not specified in product offerings.
Can help be obtained for gambling addiction?
Finnish banks generally cooperate with gambling addiction support organizations.
Is there partnership with player assistance organizations?
No specific partnerships publicly disclosed.
How to set up gambling expense notifications?
Not supported directly by the bank.
Which online casinos accept this payment method?
No verified data on specific casino acceptance.
Are there exclusive partnerships with specific casinos?
None found.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
No verified casino-specific support.
Are there geographic restrictions for casino usage?
Finnish regulations restrict some gambling transactions.
How do casino operators typically process transactions from this method?
Processed as normal bank payments within regulatory compliance.
Are there typical processing times when used with casinos?
Same as regular transfers; no special times.
Do casinos usually charge additional fees for this method?
Not typically.
Are there any known compatibility issues with major casino platforms?
No known issues reported.