What is the official website of the payment service?
https://www.skjernbank.dk
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Where can I find the customer support contacts?
Customer support contacts are available on the Skjern Bank website under the contact section with phone, email, and branch locations listed.
What is the hotline phone number?
+45 96 82 13 33
Is there a toll-free support number?
There is no verified information of a toll-free support number; typically Danish banks use local rate phone numbers.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, for example, [email protected] is for eBanking technical support, and [email protected] is for general inquiries.
Where can I find the online chat support?
Verified information about online chat support is not available; Danish banks generally provide support mainly via phone and email.
Does the chat support work 24/7?
No verified data; if chat is provided, typical banking chat support is during business hours.
Is there support through messengers (Telegram, WhatsApp)?
No verified or advertised messenger support like Telegram or WhatsApp is available.
What are the support working hours?
Branch and phone support usually operate Monday to Friday, 10:00–16:00, with extended hours by appointment.
Does support work on weekends and holidays?
Customer support does not work on weekends and holidays except by prior arrangement or automated digital services.
Are there regional offices for in-person visits?
Yes, Skjern Bank has several regional branches in Denmark, including Skjern, Esbjerg, Varde, Hellerup, Virum, and Hørsholm.
Can I schedule a personal meeting?
Yes, personal meetings are available by appointment at branches or via remote consultation.
Are there representatives in different countries?
No verified information on international representatives; the bank primarily serves Danish customers.
In which languages is support available?
Support is primarily available in Danish and English.
How quickly does support respond to requests?
Response times vary; phone support is immediate during hours, email responses typically within 1–2 business days.
Is there a priority system for VIP clients?
No publicly available information; typically, private banking clients receive prioritized service.
Can I request a callback?
Callbacks can usually be arranged through customer service during business hours.
When was the payment service founded?
Skjern Bank was founded on February 7, 1906.
Who is the founder and owner of the service?
The bank was founded locally; it is currently owned by shareholders as a publicly listed company.
In which country is the company registered?
Denmark
What is the development history of the payment service?
Skjern Bank has grown since 1906 from a small local bank to a regional bank with multiple branches and digital banking services, including mobile and online banking.
Have there been major updates or rebranding?
The bank regularly updates its digital platforms, with ongoing improvements in mobile banking and online services but no recent major rebranding.
Who sits on the company's board of directors?
Board members include Hans Ladekjær Jeppesen (Attorney), Bjørn Jepsen (Farmer), Ole Strandbygaard (Manager), among others.
Are there investors or partners in the service?
It is a publicly traded company with shareholders; partnerships typical in banking apply but no special strategic partners publicly listed.
Does the company participate in stock trading?
Yes, shares are listed on the OMX Nordic Stock Exchange Copenhagen under the ticker SKJE.
What is the company's market capitalization?
Precise market capitalization fluctuates; the latest data from early 2024 shows market capitalization in the hundreds of millions DKK range.
Are there subsidiary companies or branches?
Skjern Bank operates multiple branches in Denmark; no subsidiary companies publicly recorded.
What licenses does the payment service have?
Holds required banking and payment institution licenses in Denmark.
In which jurisdictions does the service operate officially?
Officially operates in Denmark.
Are there licenses for cryptocurrency operations?
No verified cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, fully compliant with Danish AML and KYC regulations and FATF recommendations.
Are there security certificates (PCI DSS, etc.)?
Uses standard banking security certifications; specific PCI DSS certification not publicly detailed but compliance assumed.
Has the service undergone security audits?
Yes, internal and external security audits including by EY Denmark.
Is there insurance for client funds?
Depositor funds are protected under Danish depositor guarantee schemes.
Which international standards does it comply with?
Complies with EU banking regulations and FATF AML standards.
Have there been any regulatory fines or violations?
No public records of fines or violations.
Where can I find real reviews about the service?
Reviews are available on Danish banking forums, financial advice websites, and Google business listings.
What are the main user complaints?
Complaints are typical for banks: wait times, digital interface bugs, and loan approval processes.
What do users most often praise the service for?
Customers praise personalized service, reliability, and strong local presence.
Are there issues with fund withdrawals?
No systemic withdrawal issues reported.
Is the interface convenient according to users?
Mobile and online banking interfaces are seen as user-friendly with ongoing improvements.
Are clients satisfied with transaction speed?
Transaction speeds meet or exceed expectations for Danish banks.
Do users recommend this service?
Many local customers recommend Skjern Bank for regional banking needs.
How do experts assess the service's reliability?
Experts rate Skjern Bank as stable, well-regulated, suited for regional banking.
Are there industry awards and recognitions?
No specific awards noted publicly.
Does the service participate in payment system rankings?
Not publicly listed in global payment system rankings.
Are there recommendations from financial regulators?
Compliant with Danish Financial Supervisory Authority guidance.
What reputation does the service have among partners?
Reputable among Danish financial industry partners.
How do they evaluate solution innovation?
Moderate innovation focus, improving digital banking services.
Are there quality service certificates?
Holds banking licenses and standard quality governance.
Does the company participate in industry conferences?
Participation not publicly detailed but typical for financial institutions.
How does the service position itself in the market?
Positioned as a strong regional bank with personal customer focus and digital convenience.
Which fiat currencies does the service support?
Danish Krone (DKK) primarily; supports Euro (EUR) for SEPA transactions.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported for payments or accounts.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion available for relevant transactions, mainly through SEPA and SWIFT.
What exchange rates are used for conversion?
Uses market exchange rates aligned with interbank rates plus standard bank margin.
How often are exchange rates updated?
Exchange rates update regularly in real time or daily depending on transaction context.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic currencies are generally not handled; focus is on standard European and major currencies.
Are there currency restrictions in different countries?
Currency transactions follow Danish and EU regulations with no special geographic restrictions publicly noted.
What types of transfers does the service support?
Supports domestic transfers, international SWIFT payments, SEPA payments, internal transfers.
Can transfers be made between service users?
Yes, internal transfers between Skjern Bank customers are instant.
Are transfers to bank cards supported?
Bank card transfers not typically supported as direct recipient method.
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts via IBAN and SWIFT are supported.
Is bill payment available?
Yes, bill payment services are provided through online and mobile banking.
Are recurring payments supported?
Recurring payment setups are available in eBanking services.
Can automatic transfers be set up?
Yes, automatic transfers and standing orders are supported.
Is payment scheduling available?
Payment scheduling features are available for planned transactions.
Are group payments supported?
No specific data; typically group payments require manual splitting.
Can payment links be created?
No verified data on payment link generation.
What are the minimum transaction amounts in the service?
Minimum amounts depend on the transfer type but are generally low or none for standard payments.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type and verification but can be high, typical for banking standards.
Are there daily limits on operations?
Daily limits exist based on account type and security level.
What monthly and annual limits are in effect?
Monthly and annual limits align with AML/KYC and bank policies.
Can limits be increased? How?
Limits can be increased by contacting the bank and completing higher verification.
Do limits differ for verified users?
Yes, verified users have higher transaction limits.
Are there restrictions for new accounts?
New accounts have limited functionality and lower limits until verified.
Do special limits apply in different countries?
Limits conform to Danish and EU regulations, no country-specific restrictions publicly noted.
Can operations be temporarily blocked?
Yes, for security or regulatory reasons, temporary blocks can occur.
Are there limits on the number of daily operations?
Some operational number limits exist to prevent fraud.
What are the minimum amounts for account funding?
Minimum funding amounts vary by method, typically small or none for bank transfer.
What methods of funding are supported?
Supports bank transfers, card payments, and internal account deposits.
Are there fees for funding?
Funding fees are generally not charged for bank transfers.
What are the minimum funding amounts?
Minimum funding thresholds depend on method, typically low for transfers.
How quickly are funds credited when funding?
Bank transfers can take 1-2 business days; card payments process faster.
How can money be withdrawn from the system?
Withdrawals by bank transfer or card transfers are supported.
Are there fees for fund withdrawal?
Withdrawal fees vary depending on method and amount, some fees may apply.
How long does withdrawal take?
Withdrawals generally process within 1-3 business days.
What withdrawal limits are set?
Withdrawal limits align with account level and verification status.
How quickly are funds credited when funding with a card?
Card funding is credited almost immediately or within hours.
How long does a bank transfer take?
Domestic bank transfers usually take 1 business day; international SWIFT transfers take 2-5 days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported for transfers.
Are transfers between users instant?
Internal transfers between bank customers are processed instantly or near-instantly.
Are there delays when funding on weekends?
Funding over weekends is usually delayed until next business day.
Do holidays affect funding speed?
Yes, holidays can delay funding and withdrawal processing.
Can crediting be accelerated for a fee?
Some express payment options may be available for fees.
What determines the speed of funding processing?
Funding speed depends on method, bank processing times, and regulatory checks.
Are there notifications about funding status?
Yes, notifications are typically provided via online banking or app.
What to do if funding takes too long?
Contact customer support to investigate delayed fund processing.
How quickly are withdrawal requests processed?
Withdrawals are usually processed within one business day.
How long does card withdrawal take?
Card withdrawals to bank accounts or ATMs vary from instant to few days.
How quickly do bank transfers arrive?
Bank transfers usually arrive within 1-2 business days domestically.
Are cryptocurrency withdrawals instant?
Cryptocurrencies are not supported.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Holidays delay withdrawal processing proportionally.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options may be available under fee conditions.
What determines withdrawal processing time?
Withdrawal speed depends on method, verification, and banking hours.
Are there notifications about withdrawal status?
Yes, withdrawal notifications are provided via online banking or email.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on processing stage and bank policies.
How to register with the payment service?
Registration requires application at branch or online through bank’s website with identity verification.
What data is needed to create an account?
Personal ID, address, contact info, and proof of identity are required.
Can registration be done without email?
Email is usually required for communication and account management.
Is phone confirmation required during registration?
Phone verification or confirmation is typically part of registration.
Are there age restrictions for registration?
Minimum age is 18 years to comply with legal banking requirements.
Can a corporate account be created?
Yes, Skjern Bank offers corporate account services with additional documentation.
Is it required to provide real data?
Yes, real and verified personal data is mandatory to comply with AML and KYC regulations.
Are there country restrictions for registration?
Registration is generally limited to residents of Denmark or with relevant Danish connection.
How long does account activation take?
Account activation typically takes a few business days after submitting required documents.
What verification levels exist?
Basic and full verification levels based on AML/KYC requirements.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Yes, full verification may require income proof, tax documents, and business registration (for corporates).
Are digital copies of documents accepted?
Yes, digital document submission is accepted via online platform.
How long does the verification procedure take?
Verification usually completes within 1-5 business days.
Can the service be used without verification?
Limited usage may be allowed but many functions require verification.
What restrictions apply to unverified users?
Unverified users have limited access and lower transaction limits.
Is address confirmation required?
Yes, address proof is required for account compliance.
Is a selfie with documents required?
For some verifications, a selfie with ID may be requested.
How often do documents need to be updated?
Documents must be updated periodically or upon bank request.
What encryption technologies does the service use?
Uses industry-standard encryption such as TLS/SSL for online communication.
Is two-factor authentication supported?
Yes, 2FA is supported using MitID or similar systems.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction verifications.
Is biometric authentication supported?
Biometric options are supported on mobile apps depending on device capabilities.
Is blockchain technology used?
No public information on blockchain technology use.
Is there a multi-level security system?
Yes, multi-layer security with username, password, 2FA, and transaction authorization.
How is user personal data protected?
Personal data is protected under GDPR compliance and bank security policies.
Is cold storage used for cryptocurrencies?
Cryptocurrencies are not supported.
Is there DDoS attack protection?
Standard protection measures against DDoS attacks are implemented.
Are regular security audits conducted?
Yes, regular internal and external security audits are conducted.
What anti-phishing protection measures are provided?
Anti-phishing guidance and detection systems are in place.
Is there a suspicious activity detection system?
Yes, continuous monitoring for unusual activity is active.
How does the service combat money laundering?
Implements KYC, transaction monitoring, AML compliance, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Yes, suspicious or compromised accounts are blocked promptly.
What to do when fraud is detected?
Report immediately to bank and follow their fraud resolution procedures.
How to report suspicious activity?
Through customer support channels or designated compliance contacts.
Is there compensation for damage from fraudsters?
Compensation policies vary but generally offer protection for verified fraud.
What user rights exist for disputed transactions?
Users can file disputes supported by bank investigation processes.
How to dispute account blocking?
Contact customer support or compliance team for appeal and clarification.
Is there insurance against cyber attacks?
Cybersecurity insurance coverage is assumed but details are not public.
What fees does the service charge for transfers?
Fees vary depending on type (domestic, international, currency); specifics depend on account type.
Are there fees for account funding?
Bank transfers are usually free; card funding may incur fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; some fees may apply for international transactions.
Are there fees for currency conversion?
Currency conversion fees apply as standard bank margins.
Are there fees for account inactivity?
No public information on inactivity fees.
Are there account maintenance fees?
Some fees may apply depending on account type and package.
Are fees charged for operation cancellation?
Typically no fees unless cancellation happens after processing.
Are there fees for expedited operations?
Express service fees may apply depending on service.
Are there hidden fees?
Fees are disclosed transparently as per Danish banking regulations.
How are fees calculated for large amounts?
Large transfers may have tiered fee structures or require negotiation.
Are there different tariff plans in the service?
Yes, different plans for private, corporate, and premium customers.
What advantages does VIP status provide?
VIP clients usually receive personalized service, higher limits, and exclusive offers.
How to get preferential conditions?
By meeting certain banking volume or private banking criteria.
Are there free operations per month?
Some account plans include free transfers or operations monthly.
Are there discounts for active users?
Activity discounts may be offered on fees and loan rates.
Are there corporate tariffs?
Corporate accounts have separate pricing and service packages.
Can individual conditions be obtained?
Custom conditions may be negotiated for large or premium clients.
Do promotional codes work for fee reduction?
No public information on promo code usage.
Are there cashback programs?
No public cashback programs reported.
Are there discounts for transaction volumes?
Volume discounts may apply for business clients.
Is there an official mobile application?
Yes, "Min Skjern Bank" mobile app is available.
On which platforms is the application available?
iOS and Android platforms.
What functions are available in the mobile application?
Payments, transfers, account overview, messages, investment overview, pension info.
Does functionality differ from the web version?
Mobile app and web banking share many similarities; some advanced functions may be web-only.
Is Touch ID/Face ID supported?
Yes, biometric login is supported if device allows.
Can the application work offline?
Limited functionality offline; full services require internet.
Are there push notifications about operations?
Push notifications are supported for transactions and messages.
Is dark theme supported?
No verified information on dark mode.
How often is the mobile application updated?
Updated regularly with improvements; last update reported in April 2025.
Are there beta versions of the application?
No public beta versions noted.
Is the web interface of the service convenient?
The web platform is user-friendly with online banking and budgeting tools.
Is responsive design supported?
Yes, the website and banking platforms are mobile-responsive.
In which languages is the interface available?
Danish and English.
Is there a night mode for the website?
No verified information on night mode.
Are hotkeys supported?
No information on keyboard shortcuts.
Can data be exported?
Users can export account statements and transaction histories.
Is there an API for developers?
No public API documentation found.
Is integration with other services supported?
Supports standard bank integrations like NemID/MitID and common payment infrastructures.
How often is the web interface updated?
Regular updates aligned with security and digital banking trends.
Are there virtual cards in the service?
No public information on virtual card issuance.
Can disposable cards be created?
No information on disposable cards.
Is multi-currency account functionality supported?
Multi-currency accounts are not prominently supported.
Are there investment products?
Yes, investment advisory and products are offered.
Can interest be earned on balance?
Yes, interest-bearing accounts are available.
Are there credit products?
Consumer loans, car loans, mortgage loans, and overdraft facilities are offered.
Is P2P trading supported?
No public data on peer-to-peer trading.
Can cryptocurrencies be bought/sold?
Cryptocurrencies are not supported.
Is there acquiring for business?
Merchant acquiring services are not publicly detailed.
Are mass payouts supported?
No public information on bulk payout processing.
Is there a loyalty program in the service?
No public loyalty programs described.
How are bonus points earned?
Not applicable.
Are there referral programs?
Customer referral programs exist for new customers.
What privileges do VIP clients have?
Personalized service and prioritized support.
Are there seasonal promotions and offers?
Bank offers occasional promotions typical for retail banking.
Can premium status be obtained?
Through private banking services and higher account tiers.
Are there partner discounts?
No public partner discount programs.
Are there corporate loyalty programs?
No specific corporate loyalty programs detailed.
Does the service allow operations with online casinos?
No direct information; typically, Danish banks restrict gambling-related transactions tightly.
Are there restrictions on gambling transactions?
Gambling operations are subject to regulatory controls.
Can accounts be blocked for casino play?
Accounts may be blocked if suspicious activity related to gambling is detected.
How does the service view gambling?
Follows legal and regulatory stance on gambling transactions.
Are there special conditions for gambling?
No explicit conditions published.
Are casino transactions tracked?
Yes, monitored for compliance.
Can operations with gambling sites be hidden?
No, banks monitor transaction transparency.
Are there notifications about gambling expenses?
Not generally provided.
Are there special fees for gambling operations?
Not publicly reported.
Can limits be set on gambling?
Customers may request limits, or bank may impose limits due to AML.
Is there a self-exclusion function?
Not publicly detailed but may be facilitated through customer requests.
Can access to gambling sites be restricted?
Banks typically do not restrict website access themselves.
Is gambling expense control supported?
Limited direct functionality for expense control.
Are there notifications about limit exceedance?
No public information.
Can operations with casinos be blocked?
Yes, under compliance and anti-money laundering policies.
Is a "cooling-off period" supported?
Not publicly detailed.
Can help be obtained for gambling addiction?
Banks typically refer to external support organizations.
Is there partnership with player assistance organizations?
No public bank partnerships noted.
How to set up gambling expense notifications?
No direct bank functionality for this.
Which online casinos accept this payment method?
No publicly available list.
Do conditions differ when used in different casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Generally not supported.
Are there geographic restrictions for casino usage?
Restrictions align with Danish gambling laws.
How do casino operators typically process transactions from this method?
Casino operators use standard bank transaction procedures.
Are there typical processing times when used with casinos?
Processing times align with normal bank transfer speeds.
Do casinos usually charge additional fees for this method?
Not commonly.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues.