What is the official website of the payment service?
The official website of Sandnes Sparebank is https://www.sandnes-sparebank.no
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Where can I find the customer support contacts?
Customer support contact details are available on the official website's contact page and in the footer section.
What is the hotline phone number?
The main customer service phone number is +47 51 67 67 00.
Is there a toll-free support number?
There is no publicly listed toll-free support number available for Sandnes Sparebank.
What is the email address for technical support?
The general customer service email address is [email protected], which covers technical inquiries as well.
Are there separate emails for different types of inquiries?
Specialized emails exist, such as [email protected] for business inquiries; general support emails are typically provided via the website.
Where can I find the online chat support?
Online chat support is available through the customer service section on the bank’s website during business hours.
Does the chat support work 24/7?
The chat support is not available 24/7; it operates during regular customer service hours.
Is there support through messengers (Telegram, WhatsApp)?
Support via Telegram, WhatsApp, or other messengers is not publicly supported.
What are the support working hours?
Customer support hours are Monday to Friday from 08:00 to 20:00 and weekends from 10:00 to 15:00 for some services.
Does support work on weekends and holidays?
Weekend support is available for certain services from 10:00 to 15:00; holidays support is limited or closed.
Are there regional offices for in-person visits?
Yes, there are physical branch offices where customers can visit by appointment.
Where are the physical offices located?
Main office at Sandnesletta 21 A, 4050 Sola; other branches in Rogaland region.
Can I schedule a personal meeting?
Personal meetings with advisors are available by appointment.
Are there representatives in different countries?
There is no indication of international representative offices.
In which languages is support available?
Support is primarily provided in Norwegian.
How quickly does support respond to requests?
Phone queries are answered promptly during business hours; email responses typically within 1-2 days.
Is there a priority system for VIP clients?
No publicly available information on a VIP priority support system.
Can I request a callback?
Callback service availability is not explicitly stated but may be arranged through customer service.
When was the payment service founded?
Sandnes Sparebank was established as a savings bank in Norway in 1875.
Who is the founder and owner of the service?
It is a customer-owned savings bank with no single founder; ownership is through equity certificate holders.
In which country is the company registered?
The bank is registered in Norway.
What is the development history of the payment service?
The bank has evolved from a regional savings bank to a modern financial institution offering a wide range of banking products, including digital services.
Have there been major updates or rebranding?
The bank has undergone mergers, including a planned merger with Hjelmeland Sparebank in 2024, to strengthen its market position.
Who sits on the company's board of directors?
Specific current board members are listed in annual reports but not publicly summarized here.
Are there investors or partners in the service?
Sandnes Sparebank is part of the Eika Alliance, a strategic banking alliance in Norway.
Does the company participate in stock trading?
The bank’s equity certificates are listed on the Oslo Stock Exchange.
What is the company's market capitalization?
Market capitalization fluctuates; recent reports indicate several hundred million NOK value.
Are there subsidiary companies or branches?
Subsidiaries include SSB Boligkreditt AS for mortgage credit; multiple branch offices exist.
What licenses does the payment service have?
Licensed under Norwegian financial regulations, authorized for banking, lending, payment services, and insurance.
In which jurisdictions does the service operate officially?
Officially operates within Norway.
Are there licenses for cryptocurrency operations?
No verified cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, it complies fully with Norwegian anti-money laundering and know-your-customer regulations.
Are there security certificates (PCI DSS, etc.)?
Compliance with PCI DSS and other relevant security standards is standard practice but not explicitly disclosed.
Has the service undergone security audits?
Routine regulatory security audits are conducted; no public detailed audit reports available.
Is there insurance for client funds?
Deposits protected under the Norwegian Banks' Guarantee Fund scheme.
Which international standards does it comply with?
Complies with Norwegian, EU, and EEA banking regulations and international financial standards.
Have there been any regulatory fines or violations?
No major regulatory fines or violations are publicly reported.
Where can I find real reviews about the service?
Reviews may be found on local Norwegian review sites and business directories.
What are the main user complaints?
Common issues include customer service delays and digital service usability challenges.
What do users most often praise the service for?
Personalized service, local presence, and reliable banking operations.
Are there issues with fund withdrawals?
No widespread issues reported related to withdrawals.
Is the interface convenient according to users?
Interface usability is rated functional but with room for improvement.
Are clients satisfied with transaction speed?
Transaction times meet industry standards with typical processing speeds.
Do users recommend this service?
Users generally recommend the bank within its local market.
How do experts assess the service's reliability?
Seen as a sound and stable regional bank with prudent management.
Are there industry awards and recognitions?
No specific awards publicly noted.
Does the service participate in payment system rankings?
Not typically listed in global payment rankings.
Are there recommendations from financial regulators?
Complies with all regulatory requirements; no special endorsements.
What reputation does the service have among partners?
Trustworthy partner within Norwegian banking alliances.
How do they evaluate solution innovation?
Adoption of digital banking and payment technologies consistent with regional peer banks.
Are there quality service certificates?
Standard certifications as per Norwegian banking regulations.
Does the company participate in industry conferences?
Participation is likely but no public details.
How does the service position itself in the market?
Positioned as a customer-centric regional savings bank with strong community ties and digital offerings.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK).
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency support.
Can currencies be converted within the service?
Currency exchange for foreign currency is available for standard currencies.
What exchange rates are used for conversion?
Market rates with typical bank margins are used.
How often are exchange rates updated?
Exchange rates updated daily during banking days.
Can exotic currencies be handled?
Handling of exotic currencies is limited and by special agreement.
Are there currency restrictions in different countries?
Subject to Norwegian and international sanctions regulations.
What types of transfers does the service support?
Domestic and international bank transfers, card payments, and mobile payments.
Can transfers be made between service users?
Yes, peer-to-peer transfers are supported.
Are transfers to bank cards supported?
Bank card transfers via card products are supported.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts are supported.
Is bill payment available?
Bill payment services including AvtaleGiro and eFaktura supported.
Are recurring payments supported?
Recurring payments and direct debit options are available.
Can automatic transfers be set up?
Automatic transfer services and scheduling are supported.
Is payment scheduling available?
Yes, payment scheduling is available.
Are group payments supported?
Group payments or splitting features are not detailed.
Can payment links be created?
No confirmed payment link feature.
What are the minimum transaction amounts in the service?
Minimum transaction amounts comply with Norwegian banking regulations.
What are the maximum amounts that can be transferred?
Maximum amounts depend on account type and verification status.
Are there daily limits on operations?
Daily limits vary by account and compliance level.
What monthly and annual limits are in effect?
Limits on monthly and annual transactions apply, subject to verification.
Can limits be increased? How?
Limits may be increased through enhanced verification and bank approval.
Do limits differ for verified users?
Verified users enjoy higher transaction limits.
Are there restrictions for new accounts?
New accounts typically face initial transaction limits due to regulatory requirements.
Do special limits apply in different countries?
Geographic regulatory variations influence limits.
Can operations be temporarily blocked?
Temporary blocks occur for suspicious activity or regulatory compliance.
Are there limits on the number of daily operations?
Daily transaction count limits are standard.
What are the minimum amounts for account funding?
Minimum deposits vary by method but are generally low.
What methods of funding are supported?
Funding via bank transfer, card payment, and mobile apps.
Are there fees for funding?
Typically no fees for domestic funding; card and international funding may incur fees.
What are the minimum funding amounts?
Minimum funding thresholds are service and product dependent.
How quickly are funds credited when funding?
Domestic funding credited same day or within hours.
How can money be withdrawn from the system?
Withdrawals via ATM, bank transfer, or over-the-counter at branches.
Are there fees for fund withdrawal?
Fees vary; ATM and international withdrawals may incur charges.
How long does withdrawal take?
Withdrawals to bank accounts usually clear within 1-2 business days.
What withdrawal limits are set?
Withdrawal limits depend on account type and verification.
How quickly are funds credited when funding with a card?
Card funding credited instantly or within minutes.
How long does a bank transfer take?
Domestic transfers clear within the same or next business day; international transfers take 1-3 days.
How quickly do cryptocurrency transfers arrive?
Not applicable.
Are transfers between users instant?
Internal transfers and mobile payments are effectively instant.
Are there delays when funding on weekends?
Weekend funding processing may be delayed.
Do holidays affect funding speed?
Yes, holidays can delay processing.
Can crediting be accelerated for a fee?
Some expedited services may be available for a fee.
What determines the speed of funding processing?
Factors include payment method, bank operational hours, and verification.
Are there notifications about funding status?
Users receive notifications via app or email.
What to do if funding takes too long?
Contact customer support promptly to investigate delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed during business hours, usually same or next day.
How long does card withdrawal take?
ATM withdrawals are instant; bank credits take longer.
How quickly do bank transfers arrive?
Domestic transfers are fast; international may take longer.
Are cryptocurrency withdrawals instant?
Not supported.
Are there withdrawal delays on weekends?
Weekend withdrawal processing occurs next business day.
Do holidays affect withdrawal speed?
Holidays can delay withdrawals.
Can withdrawal be accelerated for an additional fee?
Possible with express options but unconfirmed.
What determines withdrawal processing time?
Bank operational policies, time of request, and method.
Are there notifications about withdrawal status?
Withdrawal status notifications are generally provided.
Can a withdrawal request be canceled?
Cancellation possible before processing completes.
How to register with the payment service?
Registration online or in-branch with identity verification.
What data is needed to create an account?
Personal details, identification, and contact information required.
Can registration be done without email?
Email typically required; in-person may allow alternatives.
Is phone confirmation required during registration?
Phone verification often required for security.
Are there age restrictions for registration?
Minimum age is usually 18 years.
Can a corporate account be created?
Yes, with business documentation and KYC.
Is it required to provide real data?
Real, verified data is mandatory under regulations.
Are there country restrictions for registration?
Restricted to Norway residents or approved foreign clients.
How long does account activation take?
Usually completes within 1-3 business days.
What verification levels exist?
Basic and enhanced verification tiers for increased limits.
What documents are required for basic verification?
Valid ID and proof of address.
Are documents needed for full verification?
Yes, further documentation may be requested.
Are digital copies of documents accepted?
Digital document submissions are accepted.
How long does the verification procedure take?
Typically 1-3 days.
Can the service be used without verification?
Limited features for unverified users; many restrictions apply.
What restrictions apply to unverified users?
Limits on transactions and access.
Is address confirmation required?
Yes, mandatory for compliance.
Is a selfie with documents required?
May be required for full verification.
How often do documents need to be updated?
Document updates depend on policy or changes.
What encryption technologies does the service use?
Uses TLS encryption and industry-standard security.
Is two-factor authentication supported?
Yes, 2FA is implemented for secure access.
Are there SMS confirmations for operations?
SMS confirmations are provided for security.
Is biometric authentication supported?
Biometric logins possible through mobile app.
Is blockchain technology used?
No public information on blockchain use.
Is there a multi-level security system?
Multiple security layers including encryption, monitoring, and 2FA.
How is user personal data protected?
Complies with GDPR and Norwegian privacy laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, protections against DDoS attacks are in place.
Are regular security audits conducted?
Regular audits are performed per regulatory requirements.
What anti-phishing protection measures are provided?
Multi-factor authentication and user alerts.
Is there a suspicious activity detection system?
Fraud detection and monitoring systems are implemented.
How does the service combat money laundering?
Through strict AML policies and transaction monitoring.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or restricted immediately.
What to do when fraud is detected?
Report immediately to the bank and follow resolution procedures.
How to report suspicious activity?
Via customer service or dedicated fraud reporting channels.
Is there compensation for damage from fraudsters?
Client protection policies and insurance may cover losses.
What user rights exist for disputed transactions?
Rights to dispute transactions under consumer protection laws.
How to dispute account blocking?
Through customer service escalation and regulatory review.
Is there insurance against cyber attacks?
The bank carries cyber insurance coverage.
What fees does the service charge for transfers?
Fees depend on transfer type; domestic are often free or low cost, international fees vary.
Are there fees for account funding?
Generally no fees for domestic funding; other methods may incur fees.
Are fees charged for fund withdrawal?
Fees depend on withdrawal method and location.
Are there fees for currency conversion?
Currency conversion fees apply as applicable.
Are there fees for account inactivity?
Usually no inactivity fees.
Are there account maintenance fees?
Maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Cancellation fees are typically not charged.
Are there fees for expedited operations?
Express services may carry additional fees.
Are there hidden fees?
Fee transparency is maintained as required by law.
How are fees calculated for large amounts?
Large amounts attract fees based on percentage or flat rates, clearly disclosed.
Are there different tariff plans in the service?
Different account plans with varying fees and benefits are offered.
What advantages does VIP status provide?
VIP services include personalized service and potential fee discounts, though specifics are not publicly detailed.
How to get preferential conditions?
Preferential terms usually granted based on account balance or relationship level.
Are there free operations per month?
Some free transactions may be included in certain account types.
Are there discounts for active users?
No specific discounts for transaction volumes publicly stated.
Are there corporate tariffs?
Corporate accounts have separate fee structures.
Can individual conditions be obtained?
Custom pricing may be negotiated for significant clients.
Do promotional codes work for fee reduction?
No promotional discount codes documented.
Are there cashback programs?
No cashback programs available.
Are there discounts for transaction volumes?
Volume-based discounts are uncommon.
Is there an official mobile application?
Yes, Sandnes Sparebank offers a mobile banking app.
On which platforms is the application available?
App available on iOS and Android devices.
What functions are available in the mobile application?
Manage accounts, pay bills, transfer funds, and access customer support.
Does functionality differ from the web version?
Mobile app offers core real-time banking functions; web may have more detailed options.
Is Touch ID/Face ID supported?
Biometric authentication supported on mobile app.
Can the application work offline?
Limited offline features; main functions require online connectivity.
Are there push notifications about operations?
Push notifications provided for transaction alerts.
Is dark theme supported?
Dark mode availability depends on device settings; no specific info.
How often is the mobile application updated?
Regular updates for security and performance.
Are there beta versions of the application?
No public beta program noted.
Is the web interface of the service convenient?
The web interface is user-friendly and designed for ease of use.
Is responsive design supported?
The website supports responsive design for all devices.
In which languages is the interface available?
Interface available primarily in Norwegian.
Is there a night mode for the website?
No specific night mode indicated.
Are hotkeys supported?
Hotkeys support is uncommon.
Can data be exported?
Users can download statements and transaction data.
Is there an API for developers?
No public API documentation available.
Is integration with other services supported?
Standard financial integrations via partner networks may be possible.
How often is the web interface updated?
Updates occur periodically for feature improvement and security.
Are there virtual cards in the service?
No virtual cards availability confirmed.
Can disposable cards be created?
No indication of disposable or temporary card issuance.
Is multi-currency account functionality supported?
Multi-currency accounts are not standard for this bank.
Are there investment products?
Yes, the bank provides investment advisory and products.
Can interest be earned on balance?
Interest is earned on savings accounts.
Are there credit products?
Offers mortgages, consumer and business loans.
Is P2P trading supported?
No peer-to-peer trading service.
Can cryptocurrencies be bought/sold?
No cryptocurrency trading supported.
Is there acquiring for business?
Merchant acquiring not publicly detailed.
Are mass payouts supported?
Not documented.
Is there a loyalty program in the service?
No loyalty program indicated.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback offers.
Are there referral programs?
No referral programs publicly mentioned.
What privileges do VIP clients have?
Personalized services but specifics are limited.
Are there seasonal promotions and offers?
No public promotions.
Can premium status be obtained?
No verified premium upgrade services.
Are there partner discounts?
No partner discount information.
Are there corporate loyalty programs?
Not documented.
Does the service allow operations with online casinos?
No specific support for online casino payments.
Are there restrictions on gambling transactions?
Norwegian regulations limit gambling transaction support.
Can accounts be blocked for casino play?
Accounts may be blocked if policy or law is violated.
How does the service view gambling?
Compliance-focused view aligned with Norwegian laws.
Are there special conditions for gambling?
No public specialized conditions.
Are casino transactions tracked?
Yes, as part of regular anti-fraud measures.
Can operations with gambling sites be hidden?
No anonymity for such transactions.
Are there notifications about gambling expenses?
No specialized alerts.
Are there special fees for gambling operations?
No fees specifically for gambling transactions.
Can limits be set on gambling?
Limits can be set through general transaction controls.
Is there a self-exclusion function?
Likely available as part of responsible banking policies.
Can access to gambling sites be restricted?
No explicit bank-level restrictions documented.
Is gambling expense control supported?
Expense management tools may assist customers.
Are there notifications about limit exceedance?
Standard transaction alerts may notify users.
Can operations with casinos be blocked?
Blocking possible when required by policy.
Is a "cooling-off period" supported?
Not explicitly mentioned.
Can help be obtained for gambling addiction?
Bank encourages use of external support services.
Is there partnership with player assistance organizations?
None publicly documented.
How to set up gambling expense notifications?
No specific banking feature for gambling notifications.
Which online casinos accept this payment method?
No official list available.
Are there exclusive partnerships with specific casinos?
None known.
Do conditions differ when used in different casinos?
No information available.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Deposits via card possible; withdrawals less certain.
Are there geographic restrictions for casino usage?
Subject to Norwegian law and international restrictions.
How do casino operators typically process transactions from this method?
Processed as standard card or bank transfers.
Are there typical processing times when used with casinos?
Processing times comparable to regular card transactions.
Do casinos usually charge additional fees for this method?
Fees depend on casino; usually not charged by bank.
Are there any known compatibility issues with major casino platforms?
No public compatibility issues reported.