What is the official website of the payment service?
https://www.landbobanken.dk
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Where can I find the customer support contacts?
Customer support contacts are found on the “Contact” page of the Ringkjøbing Landbobank official website.
What is the hotline phone number?
+45 97 32 12 22
Is there a toll-free support number?
Toll-free numbers are not specifically listed; standard geographic phone numbers are provided.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
The general contact email is provided; specific departmental emails are uncommon for Danish retail banks of this scale.
Where can I find the online chat support?
Online chat support is typically accessed from the bank’s online banking portal or main website if available.
Does the chat support work 24/7?
Most Danish banks offer chat support during business hours, generally not 24/7 unless otherwise stated.
Is there support through messengers (Telegram, WhatsApp)?
Banks in Denmark usually do not offer support by Telegram or WhatsApp due to data privacy regulations.
What are the support working hours?
Standard support hours are typically Monday to Friday 9:30–16:00; some branches may close earlier on Fridays.
Does support work on weekends and holidays?
Support is usually not available on weekends or Danish public holidays.
Are there regional offices for in-person visits?
Yes, physical branches are available for in-person services across their operating regions.
Where are the physical offices located?
Main office at Torvet 1, 6950 Ringkøbing, Denmark; additional branches in West and East Jutland.
Can I schedule a personal meeting?
Most banks allow personal meetings by prior appointment either online, by phone, or at a branch.
Are there representatives in different countries?
Danish retail banks like Ringkjøbing Landbobank do not typically have international representatives.
In which languages is support available?
Danish is primary; English support is usually available for international or non-Danish speaking clients.
How quickly does support respond to requests?
Email and online requests are often answered within 1–2 business days; phone support is immediate during open hours.
Is there a priority system for VIP clients?
Priority service is generally available for premium or Private Banking clients.
Can I request a callback?
Callback requests can usually be made via the online banking portal or by contacting your local branch.
When was the payment service founded?
Ringkjøbing Landbobank was founded in 1886.
Who is the founder and owner of the service?
Founders were local business leaders; the bank is now owned by shareholders and is a publicly listed company.
In which country is the company registered?
Denmark
What is the development history of the payment service?
Established in 1886, expanded regionally, merged with Nordjyske Bank in 2018 to strengthen its position.
Have there been major updates or rebranding?
Merged with Nordjyske Bank in 2018, marking a significant development; branding has largely remained traditional.
Who sits on the company's board of directors?
Board includes local and regional business and finance professionals; details updated annually on the official site.
Are there investors or partners in the service?
Shareholders are predominantly institutional and private investors; partnership agreements are standard with Danish clearing systems.
Does the company participate in stock trading?
Yes, listed on Nasdaq Copenhagen as RILBA.
What is the company's market capitalization?
Market capitalization fluctuates; as of August 2025, it is available on the Nasdaq Copenhagen listings.
Are there subsidiary companies or branches?
Bank operates under its own brand and via the merged Nordjyske Bank division, with branches throughout Denmark.
What licenses does the payment service have?
Licensed as a banking institution by the Danish Financial Supervisory Authority.
In which jurisdictions does the service operate officially?
Official operation within Denmark, primarily West and East Jutland.
Are there licenses for cryptocurrency operations?
No information on cryptocurrency-specific licenses for Ringkjøbing Landbobank.
Does the service comply with AML/KYC requirements?
Yes, adheres to strict AML and KYC regulations as required by Danish and EU law.
Are there security certificates (PCI DSS, etc.)?
Banks comply with relevant Danish and EU banking security standards and may participate in PCI DSS for card operations.
Has the service undergone security audits?
Regular security audits are mandated under Danish banking regulations.
Is there insurance for client funds?
Danish deposit guarantee scheme protects deposits up to €100,000 per customer.
Which international standards does it comply with?
Complies with EU banking directives, PSD2, EU GDPR, and ISO/IEC standards applicable.
Have there been any regulatory fines or violations?
No major or widely publicized fines or violations reported for the bank.
Where can I find real reviews about the service?
User reviews are available on Trustpilot, Google Reviews, and financial services forums.
What are the main user complaints?
Users may cite conservative digital features or limited international service compared to large global banks.
What do users most often praise the service for?
Personalized service, local expertise, and strong community reputation are frequently praised.
Are there issues with fund withdrawals?
No widespread issues; withdrawals comply with Danish banking standards, occasional delays may occur due to compliance checks.
Is the interface convenient according to users?
The online and mobile banking is considered solid, though not always as advanced as major international fintechs.
Are clients satisfied with transaction speed?
Domestic transaction speed is considered satisfactory; cross-border speeds depend on intermediary banks.
Do users recommend this service?
Many local clients recommend the bank for its service quality and community ties.
How do experts assess the service's reliability?
Financial experts regard Ringkjøbing Landbobank as stable, well-capitalized, and prudent.
Are there industry awards and recognitions?
The bank has received industry recognition for stability and local banking, though not typically international fintech awards.
Does the service participate in payment system rankings?
National rankings in Denmark frequently include the bank; not featured among global fintech giants.
Are there recommendations from financial regulators?
Inclusion on the Danish Financial Supervisory Authority’s register confirms regulatory approval.
What reputation does the service have among partners?
Strong reputation as a reliable settlement and clearing partner within Danish banking circles.
How do they evaluate solution innovation?
Recognized for steady upgrades, especially after the Nordjyske Bank merger, but not as a fintech innovation leader.
Are there quality service certificates?
Danish Quality Model and other local certifications as per regulatory requirements.
Does the company participate in industry conferences?
Yes, bank representatives are present at Danish financial and banking industry events.
How does the service position itself in the market?
Focused on personal banking, local customer service, and prudent risk rather than mass-market or global fintech services.
Which fiat currencies does the service support?
Primarily Danish krone (DKK); support for euro and other major currencies for international transactions.
Are cryptocurrencies supported? Which ones specifically?
The bank does not provide direct cryptocurrency trading or custody.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token is offered by the bank.
Can currencies be converted within the service?
Currency conversion offered for international transfers, following Danish banking procedure.
What exchange rates are used for conversion?
Mid-market rates with a margin, rates based on correspondent banking partners.
How often are exchange rates updated?
Rates are updated daily, with real-time rates possible for larger transfers.
Are stablecoins supported?
No stablecoin support is offered in traditional Danish banking products.
Can exotic currencies be handled?
Major global currencies are supported; exotic currencies may be possible via correspondent banks.
Are there currency restrictions in different countries?
Currency and international transaction restrictions follow Danish and EU regulations.
What types of transfers does the service support?
Domestic and international transfers, SEPA, SWIFT, intra-bank, and wire transfers.
Can transfers be made between service users?
Yes, transfers between Ringkjøbing Landbobank accounts are supported.
Are transfers to bank cards supported?
Typically banks focus on account-to-account; card transfers may be possible via international networks.
Can money be transferred to bank accounts?
Yes, direct transfers to Danish and international bank accounts are supported.
Is bill payment available?
Bill payment via Betalingsservice and other local Danish payment schemes is offered.
Are recurring payments supported?
Recurring payments can be set up via the bank’s online and mobile banking services.
Can automatic transfers be set up?
Yes, automatic scheduled transfers are available via online banking.
Is payment scheduling available?
Payment scheduling features are supported for future transfers.
Are group payments supported?
Group payments are rarely a standard bank feature; joint account and shared payments may be arranged.
Can payment links be created?
Danish banks rarely offer payment link features as standard; separate solutions may be integrated for business.
What are the minimum transaction amounts in the service?
Minimums follow regulatory zero or nominal transaction limits unless for specific services.
What are the maximum amounts that can be transferred?
Maximums are defined by account type, compliance checks, and anti-fraud standards.
Are there daily limits on operations?
Daily limits are set per user or account class and can be customized via the branch or online banking.
What monthly and annual limits are in effect?
Limits depend on customer profile, regulatory compliance, and risk controls.
Can limits be increased? How?
Limits can be raised after additional KYC, risk analysis, and sometimes branch visit.
Do limits differ for verified users?
Fully verified users enjoy higher transfer and account limits.
Are there restrictions for new accounts?
New accounts may face temporary limits pending full KYC and account verification.
Do special limits apply in different countries?
Limits for foreign transactions reflect both Danish law and local restrictions in destination countries.
Can operations be temporarily blocked?
Accounts or transactions may be temporarily blocked for security or regulatory reasons.
Are there limits on the number of daily operations?
Daily transaction number limits may be imposed to prevent fraud.
What are the minimum amounts for account funding?
Minimum funding depends on product; basic accounts typically have no strict requirements.
What methods of funding are supported?
Funding via cash deposit, bank transfer, check deposit, and salary crediting are standard.
Are there fees for funding?
Standard funding methods, like Danish transfers, are fee-free; international transfers may incur charges.
What are the minimum funding amounts?
Deposit minimums are minimal unless specified for special savings or investment products.
How quickly are funds credited when funding?
Domestic payments are instant or same-day; international funding may take 1–3 days.
How can money be withdrawn from the system?
Withdrawals are done at ATMs, at the branch, or by transfer to other accounts.
Are there fees for fund withdrawal?
Danish ATM withdrawals are usually free; out-of-network or international withdrawals incur fees.
How long does withdrawal take?
ATM withdrawals are instant; transfers may take 1–3 business days depending on destination.
What withdrawal limits are set?
Daily ATM withdrawal limits and larger transfer controls as per account type and security profile.
How quickly are funds credited when funding with a card?
Card-based funding is not standard, but credit card repayments are reflected within 1–2 business days.
How long does a bank transfer take?
Danish transfers are usually same-day; international transfers 1–3 business days.
How quickly do cryptocurrency transfers arrive?
Bank does not support direct cryptocurrency transactions.
Are transfers between users instant?
Intra-bank transfers are generally processed immediately within business hours.
Are there delays when funding on weekends?
Weekend funding may be delayed to the next business day.
Do holidays affect funding speed?
Public holidays can delay processing until the next working day.
Can crediting be accelerated for a fee?
Accelerated or express transfer options may be available for a fee.
What determines the speed of funding processing?
Speed depends on method (domestic, SEPA, SWIFT), amount, compliance, and banking hours.
Are there notifications about funding status?
Notifications are sent via SMS, email, or banking app for incoming payments.
What to do if funding takes too long?
Contact customer support with transaction details for investigation and resolution.
How quickly are withdrawal requests processed?
Branch and ATM withdrawals are instant; online transfer withdrawals processed same day or next business day.
How long does card withdrawal take?
ATM card withdrawals are immediate; in-branch withdrawals only during open hours.
How quickly do bank transfers arrive?
Domestic—same day; international—standard 1–3 business days.
Are cryptocurrency withdrawals instant?
Bank does not process direct cryptocurrency withdrawals.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends process next business day.
Can withdrawal be accelerated for an additional fee?
Urgent or express service may be available—check with branch; additional fees likely.
What determines withdrawal processing time?
Transaction type, amount, compliance reviews, and business hours all play a role.
Are there notifications about withdrawal status?
Notifications via SMS, email, or app if opted-in.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on method; possible before final settlement but not after ATM use.
How to register with the payment service?
Account opening requires in-person or online application, submission of ID and address documents.
What data is needed to create an account?
Name, date of birth, address, ID documentation, and sometimes proof of income or employment.
Can registration be done without email?
Email is usually required for security and communication; exceptions by arrangement in-branch.
Is phone confirmation required during registration?
Phone number verification is commonly requested for online sign-ups.
Are there age restrictions for registration?
Minimum age is 18 for personal accounts in Denmark.
Can a corporate account be created?
Corporate and business accounts are supported; additional documents required.
Is it required to provide real data?
Accurate and real information is mandatory to comply with Danish KYC and AML.
Are there country restrictions for registration?
Only Danish residents or those with strong ties to Denmark can normally register.
How long does account activation take?
Activation can be same day in branch; online registration may take 1–5 business days.
What verification levels exist?
Standard and advanced verification levels, tied to transaction and product limits.
What documents are required for basic verification?
Passport, Danish ID card, or EU national ID; proof of address may also be required.
Are documents needed for full verification?
Additional documents such as proof of income, employment, or business registration.
Are digital copies of documents accepted?
Digital copies are accepted, sometimes followed by in-person presentation or certified verification.
How long does the verification procedure take?
Verification usually completed within 1–5 business days.
Can the service be used without verification?
Limited access offered before full verification as per Danish law.
What restrictions apply to unverified users?
Restrictions on transaction limits, funding, withdrawing, and some services until verification is complete.
Is address confirmation required?
Yes, via official documents like utility bills or resident registry extracts.
Is a selfie with documents required?
Selfie-based verification is increasingly common in online account opening, subject to bank requirement.
How often do documents need to be updated?
Updates required at periodic intervals, usually every few years or upon material change.
What encryption technologies does the service use?
Modern encryption (TLS/SSL) for online and mobile banking; bank uses secure infrastructure.
Is two-factor authentication supported?
Yes, 2FA is standard for online and mobile banking access and transaction authentication.
Are there SMS confirmations for operations?
SMS codes for login and transaction signing are commonly used.
Is biometric authentication supported?
Biometric login is available for mobile apps when device supports Touch ID or Face ID.
Is blockchain technology used?
Danish banks do not use blockchain for retail banking or payments.
Is there a multi-level security system?
Multi-level security is standard, including authentication, authorization, and transaction monitoring.
How is user personal data protected?
Strict adherence to GDPR, secure storage, encryption, and restricted access to client data.
Is cold storage used for cryptocurrencies?
Not applicable as bank does not store cryptocurrencies.
Is there DDoS attack protection?
Banks utilize enterprise-level DDoS mitigation and network security infrastructure.
Are regular security audits conducted?
Regular audits performed as required by Danish and EU financial oversight.
What anti-phishing protection measures are provided?
Anti-phishing education, secure login links, and monitoring for suspicious login attempts.
Is there a suspicious activity detection system?
Comprehensive monitoring for unauthorized activity, fraud detection algorithms in place.
How does the service combat money laundering?
Thorough AML procedures—client screening, transaction monitoring, and regulatory reporting.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or frozen pending investigation.
What to do when fraud is detected?
Report immediately to bank; bank will investigate and take appropriate protective action.
How to report suspicious activity?
Contact bank directly by phone, email, or in-branch—prompt customer support available.
Is there compensation for damage from fraudsters?
Danish Deposit Guarantee scheme and bank policies provide partial or full compensation for verified fraud.
What user rights exist for disputed transactions?
Users can submit claims for disputed transactions; disputed charges are investigated according to law.
How to dispute account blocking?
Account block appeals can be submitted in writing or at branch—reviewed per legal procedure.
Is there insurance against cyber attacks?
Danish banks participate in insurance schemes for certain cyber incidents; direct client coverage may vary.
What fees does the service charge for transfers?
Domestic transfers are mostly free; international and express transfers incur a published fee.
Are there fees for account funding?
Standard Danish funding methods are free; international payments may have correspondent bank fees.
Are fees charged for fund withdrawal?
ATM and in-branch withdrawals are mainly free; foreign and special service fees apply.
Are there fees for currency conversion?
Currency conversion incurs transparent margin or published fee.
Are there fees for account inactivity?
Accounts are not typically charged inactivity fees in Denmark.
Are there account maintenance fees?
Standard current accounts may have a monthly maintenance fee; various product packages are available.
Are fees charged for operation cancellation?
Cancellation fees are not standard, but charges may apply if operations occur after cutoff time.
Are there fees for expedited operations?
Express/urgent procedure fees apply for quick handling of certain payments.
Are there hidden fees?
Fee structures are transparent and published according to Danish and EU disclosure-law.
How are fees calculated for large amounts?
Large transfer fees are typically tiered according to amount, destination, and currency.
Are there different tariff plans in the service?
Various account and service packages are available with differing fee levels and features.
What advantages does VIP status provide?
VIP and Private Banking clients have access to tailored advice, higher limits, and priority servicing.
How to get preferential conditions?
Meet criteria for premium services, account balances, or negotiate directly with a banker.
Are there free operations per month?
Free national transfers and selected ATM withdrawals are common.
Are there discounts for active users?
More active clients may receive fee discounts or loyalty perks at the bank’s discretion.
Are there corporate tariffs?
Special business tariffs are available with bulk payment and payroll options.
Can individual conditions be obtained?
Personalized terms can often be negotiated for high-value or business clients.
Do promotional codes work for fee reduction?
Promotional code campaigns are rare in traditional Danish banks.
Are there cashback programs?
Cashback is rare in Danish retail banks; special offers may be available on co-branded products.
Are there discounts for transaction volumes?
Volume discounts for business clients are possible.
Is there an official mobile application?
Yes, official mobile banking apps are available.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account overview, transfers, bill payments, card management, notifications, secure login.
Does functionality differ from the web version?
Some advanced features may be web-exclusive; core banking functions are on both.
Is Touch ID/Face ID supported?
Yes, biometric authentication supported on eligible devices.
Can the application work offline?
Offline mode limited to reading cached data; real transactions require internet.
Are there push notifications about operations?
Yes, push notifications for transactions and alerts are available.
Is dark theme supported?
Mobile app may support dark theme, reflecting modern design standards.
How often is the mobile application updated?
Regular updates occur for security and features—intervals vary.
Are there beta versions of the application?
Beta programs are sometimes offered for testing new features.
Is the web interface of the service convenient?
The web interface is well-regarded, sufficiently modern, and clear.
Is responsive design supported?
Responsive design for use on smartphones and tablets is supported.
In which languages is the interface available?
Primarily Danish, with English and possibly German options on digital platforms.
Is there a night mode for the website?
Night mode/dark theme for web interface may be available or under development.
Are hotkeys supported?
Hotkey support is not typical in Danish retail banking web interfaces.
Can data be exported?
Account data can be exported in formats like CSV or PDF from online banking.
Is there an API for developers?
Open Banking APIs available as required under PSD2 regulations.
Is integration with other services supported?
Third-party integration supported via APIs and linked payment platforms.
How often is the web interface updated?
Updates are rolled out as needed for security and new features.
Are there virtual cards in the service?
Virtual cards are becoming available in Danish banking for online shopping.
Can disposable cards be created?
Disposable/one-time use virtual cards may be available for web payments.
Is multi-currency account functionality supported?
Multi-currency features are limited generally to business and high-net-worth accounts.
Are there investment products?
A range of investment services including savings, funds, bonds, stocks, and pension products.
Can interest be earned on balance?
Interest rates are available for savings and select current accounts.
Are there credit products?
Consumer loans, overdrafts, and mortgages are standard offerings.
Is P2P trading supported?
Peer-to-peer trading is not typically supported in Danish retail banks.
Can cryptocurrencies be bought/sold?
Direct cryptocurrency trading not supported.
Is there acquiring for business?
Merchant acquiring services for business clients are offered.
Are mass payouts supported?
Business clients can arrange for mass salary or vendor payouts via special agreements.
Is there a loyalty program in the service?
Standard banking packages may include loyalty or benefit programs.
How are bonus points earned?
Bonus points are generally not standard, except for credit card products.
Is there cashback for operations?
Cashback may be offered on select cards, but not a general account feature.
Are there referral programs?
Referral programs are not standard, but may be launched as promotions.
What privileges do VIP clients have?
Higher transaction limits, tailored advice, priority handling, and exclusive events.
Are there seasonal promotions and offers?
Occasional seasonal offers are available, e.g., lower loan rates.
Can premium status be obtained?
Premium status is attained by meeting balance, investment, or product criteria.
Are there partner discounts?
Select discounts through merchant partnerships and card programs.
Are there corporate loyalty programs?
Business loyalty benefits are arranged case-by-case.
Does the service allow operations with online casinos?
Transfers to licensed Danish gambling operators are permitted according to local law.
Are there restrictions on gambling transactions?
Must comply with Danish regulations; transactions to illegal or foreign casinos may be blocked.
Can accounts be blocked for casino play?
Accounts engaging in suspicious or illegal gambling transactions may be blocked.
How does the service view gambling?
Permitted within Danish law and regulated framework.
Are there special conditions for gambling?
Payments toward licensed gambling operators may be flagged or require enhanced due diligence.
Are casino transactions tracked?
Gambling transactions are monitored for regulatory compliance.
Can operations with gambling sites be hidden?
All bank transactions are visible on statements in compliance with transparency laws.
Are there notifications about gambling expenses?
Notifications on gambling-related spending can be configured by the user.
Are there special fees for gambling operations?
Standard payment fees apply; special charges are not typical.
Can limits be set on gambling?
Spending or transaction limits can be customized, including for gambling.
Is there a self-exclusion function?
Self-exclusion features for gambling spending are available on request.
Can access to gambling sites be restricted?
Access via payment systems can be restricted at client request or regulatory mandate.
Is gambling expense control supported?
Expense control tools for gambling transactions can be set up.
Are there notifications about limit exceedance?
Alerts on exceeded limits are available via app notifications.
Can operations with casinos be blocked?
Casino-related transactions can be blocked by request or by compliance.
Is there gambling expense statistics?
Expense statistics can be reviewed via online statements and budgeting tools.
Is a "cooling-off period" supported?
Cooling-off periods for gambling spending can be arranged by special request.
Can help be obtained for gambling addiction?
Assistance referrals and links to support are available through the bank or public services.
Is there partnership with player assistance organizations?
Cooperation with Danish gambling support organizations is standard practice.
How to set up gambling expense notifications?
Configure alerts in mobile/online banking or request setup in-branch.
Which online casinos accept this payment method?
All casinos licensed by Danish authorities accept bank transfers.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships reported.
Do conditions differ when used in different casinos?
Standard banking conditions apply for all legal gambling operators.
Are there special bonuses for using this method in casinos?
No special bonuses for casino payments with the bank.
Can the method be used for both deposits and withdrawals in casinos?
Both deposit and withdrawal options via bank transfer are standard for licensed casinos.
Are there geographic restrictions for casino usage?
Payments only to Danish-licensed gambling sites are permitted.
How do casino operators typically process transactions from this method?
Casino operators process via bank transfer, subject to AML and KYC checks.
Are there typical processing times when used with casinos?
Bank transfers for gambling are processed in 1–2 business days.
Do casinos usually charge additional fees for this method?
Casinos usually do not charge extra; standard bank transfer fees apply.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues with licensed platforms using SEPA/SWIFT transfers.