What is the official website of the payment service?
The official website for Sparebank 1 Nord-Norge payment service is https://www.sparebank1.no/en/nord-norge
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Where can I find the customer support contacts?
Customer support contacts are available on the bank’s official website under the “Contact us” or “Kundeservice” section with phone, email, and chat details.
What is the hotline phone number?
The main customer service phone number is +47 915 02244.
Is there a toll-free support number?
There is no verified information on a toll-free number; typically, Norwegian banks use regular geographic numbers for support.
What is the email address for technical support?
The general customer center email contact is [email protected] for Sparebank 1 Nord-Norge.
Are there separate emails for different types of inquiries?
Yes, separate emails exist for different departments, for example, [email protected] for customer center and [email protected] for company inquiries.
Where can I find the online chat support?
Online chat support is available on the bottom right corner of their official website, accessible during operating hours.
Does the chat support work 24/7?
Chat support is available daily between 7:00 - 22:00, not 24/7.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information indicating support through Telegram or WhatsApp.
What are the support working hours?
Customer support works daily from 7:00 to 22:00, with some hours noted as 10:00-18:00 for peak phone support.
Does support work on weekends and holidays?
Support is available every day, including weekends, but hours may vary on holidays.
Are there regional offices for in-person visits?
Yes, Sparebank 1 Nord-Norge has 38 offices across Nordland, Troms, Finnmark, and Svalbard regions.
Where are the physical offices located?
Physical offices include the main address at Storgata 65, Tromsø 9008, and others in 36 municipalities in Northern Norway.
Can I schedule a personal meeting?
Personal meetings can be scheduled through customer service or local branch contacts.
Are there representatives in different countries?
The bank primarily operates in Norway; no verified international representative offices have been identified.
In which languages is support available?
Support is primarily available in Norwegian; English may be supported for business and international client inquiries.
How quickly does support respond to requests?
Response times vary, but calling outside peak hours (before 10:00 or after 14:00) usually results in faster replies.
Is there a priority system for VIP clients?
There is no specific verified information about a VIP priority system publicly available.
Can I request a callback?
Callback availability is not explicitly confirmed; customers typically use phone or chat for direct support.
When was the payment service founded?
Sparebank 1 Nord-Norge was originally founded in 1836.
Who is the founder and owner of the service?
Founded as a regional savings bank; it is owned mainly by regional stakeholders and part of the SpareBank 1 Alliance.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
It has grown alongside Northern Norway’s development, expanding banking services to cover retail, loans, insurance, and digital payments.
Have there been major updates or rebranding?
The bank is part of the SpareBank 1 Alliance, reflecting modernization, but no recent major rebranding is reported.
Who sits on the company's board of directors?
Specific board details are in corporate governance reports compliant with Norwegian Code of Practice; not all names are disclosed here.
Are there investors or partners in the service?
The bank is part of the SpareBank 1 Alliance with various strategic partners and stakeholders.
Does the company participate in stock trading?
Yes, Sparebank 1 Nord-Norge is publicly traded on the Oslo Stock Exchange under the ticker NONG.
What is the company's market capitalization?
As of recent data, market capitalization is approximately NOK 14 billion.
Are there subsidiary companies or branches?
It has branches across Northern Norway and some majority-owned subsidiaries aligned with banking services.
What licenses does the payment service have?
It is licensed by Norwegian financial regulatory authorities as a bank.
In which jurisdictions does the service operate officially?
Officially operates in Norway, including Svalbard.
Are there licenses for cryptocurrency operations?
The bank does not have direct cryptocurrency trading licenses but allows transfers to regulated crypto exchanges.
Does the service comply with AML/KYC requirements?
It fully complies with AML, ATF, and KYC regulations as per Norwegian and international standards.
Are there security certificates (PCI DSS, etc.)?
Specific PCI DSS certification is not publicly listed, but strong security and audit standards are implied.
Has the service undergone security audits?
Regular internal and external security audits are conducted in line with regulatory compliance.
Is there insurance for client funds?
Deposits are protected up to 2,000,000 NOK per depositor through the Norwegian Banks' Guarantee Fund.
Which international standards does it comply with?
It complies with Norwegian national banking regulations, EU financial regulations applicable to Norway, and Norwegian Codes of Practice.
Have there been any regulatory fines or violations?
No public information indicates any regulatory fines or violations.
Where can I find real reviews about the service?
Reviews can be found on Norwegian banking forums, Trustpilot, and app store feedback for the mobile app.
What are the main user complaints?
Users sometimes report wait times during peak support hours and fees on some cash withdrawal services.
What do users most often praise the service for?
Praised for strong regional presence, personalized service, wide coverage, and reliable customer support.
Are there issues with fund withdrawals?
No broad withdrawal issues reported; usual bank procedures and limits apply.
Is the interface convenient according to users?
The digital interfaces (web and mobile) are considered user-friendly and functional.
Are clients satisfied with transaction speed?
Transaction speeds are rated satisfactory, including effective international payment handling.
Do users recommend this service?
High recommendation rates especially from customers in Northern Norway.
How do experts assess the service's reliability?
Experts credit its sound capitalization, strong credit quality and solid regional positioning.
Are there industry awards and recognitions?
The bank has been recognized for customer service and financial performance excellence.
Does the service participate in payment system rankings?
No specific global payment system ranking participation found.
Are there recommendations from financial regulators?
The bank maintains good standing with Norwegian regulators; no negative reports.
What reputation does the service have among partners?
Well regarded among regional partners and businesses in the Northern Norway community.
How do they evaluate solution innovation?
Innovation is steady especially through digital banking services within the SpareBank 1 group.
Are there quality service certificates?
The bank adheres to Norwegian banking regulatory standards and corporate governance codes.
Does the company participate in industry conferences?
The bank participates in industry events and regional business conferences.
How does the service position itself in the market?
Positions itself as the leading regional bank in Northern Norway focusing on local development and customer proximity.
Which fiat currencies does the service support?
Supports Norwegian Krone (NOK) primarily; international payments may use major currencies like EUR and USD.
Are cryptocurrencies supported? Which ones specifically?
Does not directly support cryptocurrency trading; allows transfers to regulated crypto exchanges where various tokens like Bitcoin and Ethereum can be purchased.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency exists.
Can currencies be converted within the service?
Currency conversion is available for international payments using standard bank exchange rates.
What exchange rates are used for conversion?
Exchange rates are standard interbank rates adjusted by the bank’s currency conversion fees.
How often are exchange rates updated?
Rates are updated in real-time or daily per bank policy.
Are stablecoins supported?
No direct stablecoin support within the bank.
Can exotic currencies be handled?
Exotic currencies are typically not supported; focus is on major currencies.
Are there currency restrictions in different countries?
Transactions conform to Norwegian and international regulations which may limit currency use per jurisdiction.
What types of transfers does the service support?
Supports domestic, SEPA, SWIFT international payments, direct debits, and electronic transfers.
Can transfers be made between service users?
Yes, peer-to-peer transfers within the bank are supported.
Are transfers to bank cards supported?
Transfers to bank cards are generally handled through card payment systems, but direct transfers to cards may be limited.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and internationally are supported.
Is bill payment available?
Yes, bill payment services for utilities, taxes, and other invoices are available.
Are recurring payments supported?
Recurring payment setups are supported within digital banking.
Can automatic transfers be set up?
Yes, automatic transfers and standing orders can be configured.
Is payment scheduling available?
Payment scheduling with future-dated payments is offered.
Are group payments supported?
Group payments or splitting features are generally not core banking services.
Can payment links be created?
There is no public information on payment link generation for customers.
What are the minimum transaction amounts in the service?
Minimum limits vary by payment type; generally commercial payments start from small values (e.g. NOK 1 or greater).
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on account type and regulatory limits, often several million NOK.
Are there daily limits on operations?
Daily transaction limits apply per user for security and compliance.
What monthly and annual limits are in effect?
Monthly and annual transaction limits depend on verification tier and account agreements.
Can limits be increased? How?
Limits can often be increased by contacting customer support or after enhanced verification.
Do limits differ for verified users?
Verified users usually have higher transaction and withdrawal limits.
Are there restrictions for new accounts?
New accounts often have lower initial limits until full verification is completed.
Do special limits apply in different countries?
Limits respect jurisdictional regulations for cross-border transactions.
Can operations be temporarily blocked?
Yes, operations can be blocked for security reasons, suspicious activity, or regulatory compliance.
Are there limits on the number of daily operations?
Limits on number of transactions exist to prevent fraud and comply with rules.
What are the minimum amounts for account funding?
Minimum deposit amounts vary depending on payment method.
What methods of funding are supported?
Account funding can be done by bank transfer, card deposit, and sometimes cash at branches.
Are there fees for funding?
Deposits are generally free, but fees may apply for card or foreign currency funding.
What are the minimum funding amounts?
Minimum funding depends on method; card or transfer minimums tend to be low.
How quickly are funds credited when funding?
Bank transfers are usually credited within same or next business day; cards may be instant or within hours.
How can money be withdrawn from the system?
Money can be withdrawn via ATM, bank transfer, withdrawal at branch, or card cash-out.
Are there fees for fund withdrawal?
Fees depend on withdrawal type; ATM withdrawals in Norway may cost NOK 10, abroad higher fees apply.
How long does withdrawal take?
Withdrawals generally process same day or within 1-2 business days.
What withdrawal limits are set?
Limits vary by account type and verification; large withdrawals may require advance notice.
How quickly are funds credited when funding with a card?
Card funding credits are often instant or within minutes.
How long does a bank transfer take?
Bank transfers within Norway typically take same day or next business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers depend on blockchain confirmations; not directly handled by the bank.
Are transfers between users instant?
Internal transfers between users are processed instantly or near-instantly.
Are there delays when funding on weekends?
Weekend funding can be delayed due to banking hours and clearing systems.
Do holidays affect funding speed?
Bank holidays may delay some funding and withdrawal processes.
Can crediting be accelerated for a fee?
Express payment options may exist but are not publicly detailed.
What determines the speed of funding processing?
Processing speed depends on payment type, banking partners, time of day, and verification.
Are there notifications about funding status?
Customers receive notifications for fund credit and debit via digital banking channels.
What to do if funding takes too long?
Contact customer support if funds do not arrive within expected times.
How quickly are withdrawal requests processed?
Withdrawal requests are processed typically same day or next business day.
How long does card withdrawal take?
Card withdrawals are usually instant or within minutes at ATMs.
How quickly do bank transfers arrive?
Domestic transfers arrive same or next business day; international transfers take longer.
Are cryptocurrency withdrawals instant?
Crypto withdrawals depend on network; bank does not process directly.
Are there withdrawal delays on weekends?
Withdrawal processing may be delayed on weekends and holidays.
Do holidays affect withdrawal speed?
Holiday schedules can delay withdrawal clearance.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services may be offered with extra charges, though no public specifics.
What determines withdrawal processing time?
Time depends on method, banking hours, regulatory checks, and system load.
Are there notifications about withdrawal status?
Withdrawal status notifications are sent via digital banking or SMS.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on processing stage; may not always be possible.
How to register with the payment service?
Registration can be done online via the bank’s website or mobile app with identity verification.
What data is needed to create an account?
Required details include personal identity number, address, phone, and proof of identity.
Can registration be done without email?
Email is generally required for registration and communication.
Is phone confirmation required during registration?
Phone verification is commonly required for security purposes.
Are there age restrictions for registration?
Minimum age is typically 18 years to open a bank account.
Can a corporate account be created?
Corporate accounts can be created with additional business documentation.
Is it required to provide real data?
Real identity data is required due to regulatory KYC and AML rules.
Are there country restrictions for registration?
Registration is limited to residents or those legally allowed to open accounts in Norway.
How long does account activation take?
Account activation is usually immediate after verification or takes a few days if manual checks are required.
What verification levels exist?
Verification tiers include basic ID verification and enhanced verification for higher limits.
What documents are required for basic verification?
Valid government-issued ID such as passport or national ID card is required.
Are documents needed for full verification?
Full verification may require proof of address, income, or additional identity documents.
Are digital copies of documents accepted?
Digital document uploads are accepted for verification.
How long does the verification procedure take?
Verification typically takes from a few minutes to a few days depending on completeness and method.
Can the service be used without verification?
Some limited service may be available without verification but with restrictions.
What restrictions apply to unverified users?
Unverified users face lower limits and cannot perform some transactions.
Is address confirmation required?
Address proof is required for enhanced verification and regulatory compliance.
Is a selfie with documents required?
Selfie-based photo verification may be required as part of identity proof.
How often do documents need to be updated?
Document refresh frequency varies; usually if information expires or at periodic intervals.
What encryption technologies does the service use?
The bank uses industry-standard encryption like TLS/SSL for secure data transmission.
Is two-factor authentication supported?
Two-factor authentication via codes or apps is supported for account protection.
Are there SMS confirmations for operations?
SMS confirmations are commonly used for transactions and login verification.
Is biometric authentication supported?
Biometric login (Face ID/Touch ID) is supported in mobile apps.
Is blockchain technology used?
Blockchain is not directly used by the bank’s core systems but allowed for crypto transfers externally.
Is there a multi-level security system?
The bank implements multi-layered security including authentication, encryption, and monitoring.
How is user personal data protected?
Personal data is protected under GDPR and Norwegian privacy laws with strong data security controls.
Is cold storage used for cryptocurrencies?
The bank does not hold crypto assets directly, so cold storage is not applicable.
Is there DDoS attack protection?
The bank employs DDoS protection to maintain service availability.
Are regular security audits conducted?
Regular internal and external security audits verify compliance and security posture.
What anti-phishing protection measures are provided?
Anti-phishing education and monitoring tools are provided to customers.
Is there a suspicious activity detection system?
Fraud detection systems monitor transactions for unusual activity.
How does the service combat money laundering?
The bank uses AML programs, transaction monitoring, KYC verification, and reporting obligations.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or money laundering are subject to blocking and investigation.
What to do when fraud is detected?
Customers should report fraud immediately; the bank investigates and takes appropriate action.
How to report suspicious activity?
Suspicious activities can be reported via customer support or dedicated fraud channels.
Is there compensation for damage from fraudsters?
Compensation policies depend on case specifics; customers are often protected under banking regulations.
What user rights exist for disputed transactions?
Users have rights for dispute resolution through the bank and external financial ombudsman.
How to dispute account blocking?
Account blocking can be disputed by contacting customer support and providing required information.
Is there insurance against cyber attacks?
The bank carries cyber insurance as part of risk management, but details are not public.
What fees does the service charge for transfers?
Transfer fees vary; domestic transfers may be low cost or free; international payments have specific fees.
Are there fees for account funding?
Deposits are generally free; card funding may have fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method, e.g., ATM withdrawal in Norway NOK 10, abroad higher.
Are there fees for currency conversion?
Currency conversion fees around 2% typically apply.
Are there fees for account inactivity?
No known inactivity fees are documented publicly.
Are there account maintenance fees?
Standard account maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Operation cancellation fees are usually not charged separately.
Are there fees for expedited operations?
Expedited services may have additional fees but are not standard.
Are there hidden fees?
The bank discloses fees upfront; no widely reported hidden fees.
How are fees calculated for large amounts?
Large transaction fees may be negotiated or subject to tiered pricing.
Are there different tariff plans in the service?
Different pricing plans exist for business versus personal accounts.
What advantages does VIP status provide?
VIP status benefits are not publicly detailed, typically include personalized services.
How to get preferential conditions?
Preferential conditions usually require high balances or business relationships.
Are there free operations per month?
Some free transactions may be allowed depending on account type.
Are there discounts for active users?
Discounts for volume or activity may apply in business accounts.
Are there corporate tariffs?
Corporate tariffs and fees exist for business customers.
Can individual conditions be obtained?
Custom pricing can be negotiated for large or business clients.
Do promotional codes work for fee reduction?
No public info on promotional codes for fees.
Are there cashback programs?
Cashback programs are not a primary feature of Sparebank 1 Nord-Norge services.
Are there discounts for transaction volumes?
Volume discounts may be available, especially for corporate clients.
Is there an official mobile application?
Yes, Sparebank 1 Nord-Norge offers an official mobile app.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
Mobile app features include account overview, transfers, payments, card management, notifications.
Does functionality differ from the web version?
The mobile app may have streamlined UI but core banking functions are available on both platforms.
Is Touch ID/Face ID supported?
Yes, biometric authentication (Touch ID and Face ID) is supported in the app.
Can the application work offline?
The app does not fully work offline; internet connection is required for transactions.
Are there push notifications about operations?
Push notifications for transactions and security alerts are supported.
Is dark theme supported?
Dark mode is available in the mobile app interface.
How often is the mobile application updated?
The app is updated regularly, several times per year for improvements and security.
Are there beta versions of the application?
No public information about beta versions is available.
Is the web interface of the service convenient?
The web platform is user-friendly with modern responsive design.
Is responsive design supported?
The web interface supports mobile-responsive design for different devices.
In which languages is the interface available?
The interface is primarily in Norwegian with some English options.
Is there a night mode for the website?
Night mode for the web interface is available.
Are hotkeys supported?
No specific information on keyboard shortcuts is available.
Can data be exported?
Data export options such as transaction history can be downloaded in standard formats.
Is there an API for developers?
API access is typically limited to business partners; public developer APIs are not broadly available.
Is integration with other services supported?
Bank services integrate with common Norwegian financial platforms and accounting software for business clients.
How often is the web interface updated?
Web platform updates happen periodically as part of maintenance and new features rollout.
Are there virtual cards in the service?
Yes, virtual card issuance is supported for secure online payments.
Can disposable cards be created?
Disposable or single-use virtual cards are not explicitly confirmed.
Is multi-currency account functionality supported?
Multi-currency account functionality is limited; foreign currency accounts may be offered.
Are there investment products?
Yes, investment and savings products are available through the bank.
Can interest be earned on balance?
Interest can be earned on savings accounts and some current accounts.
Are there credit products?
Credit services including loans and mortgages are offered.
Is P2P trading supported?
Peer-to-peer trading of financial assets is not a core function.
Can cryptocurrencies be bought/sold?
Cryptocurrencies can be accessed through third-party regulated exchanges compatible with the bank.
Is there acquiring for business?
Merchant acquiring services are offered through SpareBank 1 group solutions.
Are mass payouts supported?
Bulk payment services are available for business clients.
Is there a loyalty program in the service?
No dedicated loyalty program is publicly documented.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not a main feature.
Are there referral programs?
No public referral programs found.
What privileges do VIP clients have?
VIP clients typically receive personal advisors and tailored service.
Are there seasonal promotions and offers?
Seasonal promotions are occasionally offered on some products.
Can premium status be obtained?
Premium account upgrades are possible for qualifying clients.
Are there partner discounts?
Partner merchant discounts may be available through SpareBank 1 alliance.
Are there corporate loyalty programs?
Business loyalty programs exist within corporate client services.
Does the service allow operations with online casinos?
No explicit information regarding online casino transactions, likely restricted.
Are there restrictions on gambling transactions?
Financial institutions often impose restrictions on gambling transactions per regulation.
Can accounts be blocked for casino play?
Possible under policy but no specific public information.
How does the service view gambling?
The bank likely adopts a cautious compliance-based approach to gambling-related transactions.
Are there special conditions for gambling?
No details publicly provided.
Are casino transactions tracked?
Transactions in Norway are monitored for compliance including gambling-related activity.
Can operations with gambling sites be hidden?
No, due to regulatory transparency requirements.
Are there notifications about gambling expenses?
No specific gambling expense alerts documented.
Are there special fees for gambling operations?
No public indication of fees specific to gambling transactions.
Can limits be set on gambling?
Gambling spending controls are normally part of customer self-imposed banking limits.
Is there a self-exclusion function?
Not specifically described, but responsible banking policies encourage self-exclusion.
Can access to gambling sites be restricted?
Banks may restrict or flag transactions linked to gambling sites under policy.
Is gambling expense control supported?
Some control tools may be available in general banking apps.
Are there notifications about limit exceedance?
Standard payment limit notifications may be applied.
Can operations with casinos be blocked?
Blocking is possible if suspicious activity is detected.
Is a "cooling-off period" supported?
Not documented specifically.
Can help be obtained for gambling addiction?
Banks cooperate with public health initiatives for gambling addiction help.
Is there partnership with player assistance organizations?
No specific partnerships publicly listed.
How to set up gambling expense notifications?
No special setting for gambling expenses; general transaction alerts available.
Which online casinos accept this payment method?
Information not publicly available.
Do conditions differ when used in different casinos?
Not documented.
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 direct confirmation; regulatory limits likely apply.
Are there geographic restrictions for casino usage?
Regulatory restrictions depend on jurisdiction.
How do casino operators typically process transactions from this method?
Processed as standard card or bank transfers subject to compliance checks.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
Not publicly documented.