What is the official website of the payment service?
The official website for SpareBank 1 payment services is https://www.sparebank1.no
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Where can I find the customer support contacts?
Customer support contacts are available on SpareBank 1's official website under the "Contact Us" section for each regional bank.
What is the hotline phone number?
The main customer service phone numbers vary by region; for example, SpareBank 1 Østlandet can be reached at +47 915 07040 and SpareBank 1 SR-Bank at +47 915 02002.
Is there a toll-free support number?
There is no publicly available verified toll-free support number; standard regional phone numbers are used for customer support.
What is the email address for technical support?
The technical support email is not explicitly listed; general contact emails for different regional banks include formats like [email protected] or [email protected].
Are there separate emails for different types of inquiries?
Yes, specialized emails exist such as [email protected] for Gudbrandsdal region, [email protected] for Ringerike Hadeland, and similar addresses for other branches.
Where can I find the online chat support?
Online chat support is available via the SpareBank 1 Sør-Norge site, accessed through their personal customer service pages.
Does the chat support work 24/7?
There is no verified information confirming 24/7 chat support; typical operating hours align with regular customer service hours.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information that SpareBank 1 provides support via Telegram or WhatsApp.
What are the support working hours?
Customer support typically operates weekdays 07:00–22:00, and weekends and holidays 10:00–18:00 in some regions.
Does support work on weekends and holidays?
Yes, customer service operates limited hours on weekends and holidays (often 10:00–18:00).
Are there regional offices for in-person visits?
Yes, SpareBank 1 has multiple regional offices across Norway, welcoming in-person visits.
Where are the physical offices located?
Physical offices are located throughout Norway with examples including SpareBank 1 Østlandet in Hamar at Box 203, N-2302 Hamar, and SpareBank 1 Sør-Norge in Stavanger at Christen Tranesgate 35, 4007 Stavanger.
Can I schedule a personal meeting?
Yes, customers can schedule personal meetings by calling the respective regional bank phone numbers.
Are there representatives in different countries?
The bank primarily operates in Norway, with no verified information about offices in other countries.
In which languages is support available?
Support is primarily in Norwegian and English, reflecting local and international client needs.
How quickly does support respond to requests?
Response times vary by channel; phone support is immediate during operating hours, email may take longer.
Is there a priority system for VIP clients?
SpareBank 1 offers VIP customer support with priority handling, though details are region-specific.
Can I request a callback?
Callback services are generally available by arrangement through customer service.
When was the payment service founded?
SpareBank 1's origins date back to 1836; it is established as a savings bank alliance since the early 1990s.
Who is the founder and owner of the service?
SpareBank 1 is owned collectively by regional savings banks in Norway and is run as an alliance.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
The alliance formed in the 1990s, evolving from traditional savings banks to a modern banking group providing digital payments.
Have there been major updates or rebranding?
The bank has periodically updated its offerings and branding to reflect digital banking trends and compliance requirements.
Who sits on the company's board of directors?
Specific board member details vary by regional bank in the alliance; these are publicly available on respective websites.
Are there investors or partners in the service?
Partners include Norwegian regional savings banks and financial institutions; strategic crypto platform partnerships exist.
Does the company participate in stock trading?
SpareBank 1 itself is a private alliance; however, some affiliated banks may be publicly listed individually.
What is the company's market capitalization?
Market capitalization data is not applicable for SpareBank 1 as a collective group, but individual affiliated banks may publish market cap.
Are there subsidiary companies or branches?
Yes, SpareBank 1 group includes several regional savings banks and affiliated companies.
What licenses does the payment service have?
SpareBank 1 holds banking and financial service licenses under Norwegian regulatory authorities as a licensed financial institution.
In which jurisdictions does the service operate officially?
The service is officially licensed to operate in Norway.
Are there licenses for cryptocurrency operations?
Direct cryptocurrency trading licenses are not held; SpareBank 1 permits transfers to regulated crypto exchanges.
Does the service comply with AML/KYC requirements?
Yes, SpareBank 1 complies fully with AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations under Norwegian law.
Are there security certificates (PCI DSS, etc.)?
The bank maintains security certifications including PCI DSS for payment card processing.
Has the service undergone security audits?
Yes, regular security audits are conducted as part of regulatory compliance and internal risk management.
Is there insurance for client funds?
Customer deposits are protected under the Norwegian Banks’ Guarantee Fund, insuring client funds up to statutory limits.
Which international standards does it comply with?
Compliance includes PCI DSS, GDPR, and recognized international banking and security standards.
Have there been any regulatory fines or violations?
No public records of significant regulatory fines or violations associated with SpareBank 1.
Where can I find real reviews about the service?
Reviews can be found on Norwegian consumer review sites, financial forums, and app store feedback for SpareBank 1 apps.
What are the main user complaints?
Common complaints include occasional delays in complex transactions and customer service wait times.
What do users most often praise the service for?
Users praise its reliability, security, comprehensive app features, and the convenience of integrated banking products.
Are there issues with fund withdrawals?
No widespread or systematic issues with fund withdrawals have been reported.
Is the interface convenient according to users?
The user interface, especially the mobile app, is rated highly for ease of use and intuitive navigation.
Are clients satisfied with transaction speed?
Transaction speeds are generally rated satisfactory, with most payments processed promptly.
Do users recommend this service?
A majority of users recommend SpareBank 1 for personal and business banking needs.
How do experts assess the service's reliability?
Experts rate SpareBank 1 as a stable and secure bank adhering to high compliance and technological standards.
Are there industry awards and recognitions?
The bank has received regional awards for digital banking innovation and customer service excellence.
Does the service participate in payment system rankings?
Participation in national banking rankings is common though not prominently featured internationally.
Are there recommendations from financial regulators?
The Financial Supervisory Authority of Norway endorses compliance and operation of SpareBank 1 as a licensed bank.
What reputation does the service have among partners?
The bank enjoys a solid reputation for cooperative partnerships within the Norwegian financial ecosystem.
How do they evaluate solution innovation?
Innovation in digital banking, mobile apps, and payment integration is positively recognized by industry observers.
Are there quality service certificates?
Certificates include ISO certifications and national banking quality standards.
Does the company participate in industry conferences?
Yes, representatives participate in financial technology and banking industry events.
How does the service position itself in the market?
Positioned as a leading Norwegian savings bank alliance offering trusted, innovative, and customer-centric payment and banking solutions.
Which fiat currencies does the service support?
Primarily Norwegian Kroner (NOK), with support for EUR and USD in international payments.
Are cryptocurrencies supported? Which ones specifically?
Direct trading is not offered, but transfers to exchanges supporting Bitcoin, Ethereum, and over 250 cryptocurrencies are enabled.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists.
Can currencies be converted within the service?
Currency conversion is supported primarily during international payments and account operations.
What exchange rates are used for conversion?
Exchange rates are based on standard market rates plus bank-specific margins.
How often are exchange rates updated?
Exchange rates are updated regularly during market hours, with daily adjustments typical.
Are stablecoins supported?
Stablecoins are supported indirectly via crypto platforms partnered with SpareBank 1 clients.
Can exotic currencies be handled?
Handling of exotic currencies depends on correspondent banking relationships; typically limited.
Are there currency restrictions in different countries?
Currency transfer restrictions comply with Norwegian and international regulations.
What types of transfers does the service support?
Domestic, international, SEPA, instant payments, bill payments, standing orders, and card payments.
Can transfers be made between service users?
Yes, peer-to-peer transfers within SpareBank 1 and associated banks are supported.
Are transfers to bank cards supported?
Transfers to bank cards are available depending on card networks and bank policies.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and internationally are supported.
Is bill payment available?
Yes, bill payments and e-invoices are supported via internet and mobile banking.
Are recurring payments supported?
Yes, recurring payments can be scheduled and managed via online banking.
Can automatic transfers be set up?
Automatic transfers and standing orders are supported.
Is payment scheduling available?
Payment scheduling features are available for future dates.
Are group payments supported?
Group payments or payment splitting is generally available through digital banking platforms.
Can payment links be created?
There is no verified public information specifically about payment link creation features.
What are the minimum transaction amounts in the service?
Minimum amounts vary by payment type and channel, typically no minimum for domestic transfers.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on account type, verification level, and risk assessment.
Are there daily limits on operations?
Yes, daily transaction limits apply based on user verification and banking regulations.
What monthly and annual limits are in effect?
Monthly and annual limits depend on user profile, verification level, and bank policies.
Can limits be increased? How?
Limits may be increased by requesting higher limits with verification and credit checks.
Do limits differ for verified users?
Verified users generally benefit from higher transaction limits.
Are there restrictions for new accounts?
New accounts typically have lower limits until verification and trust are established.
Do special limits apply in different countries?
Limits conform to local regulations and correspondent banking arrangements in international jurisdictions.
Can operations be temporarily blocked?
Operations can be blocked for security reasons or suspected fraud.
Are there limits on the number of daily operations?
Yes, number of transactions per day may be capped per user agreements.
What are the minimum amounts for account funding?
Minimum funding amounts vary by payment method.
What methods of funding are supported?
Funding supported via bank transfers, card payments, and deposits at branches or ATMs.
Are there fees for funding?
Funding fees depend on method; transfers are usually free, card payments may incur fees.
What are the minimum funding amounts?
Minimums depend on the funding method, generally low or none for bank transfers.
How quickly are funds credited when funding?
Bank transfers typically credited same day or next business day.
How can money be withdrawn from the system?
Withdrawals via ATMs, bank transfers, card withdrawals, or branch cash disbursements.
Are there fees for fund withdrawal?
Withdrawal fees apply based on channel and amount, listed transparently in fee schedules.
How long does withdrawal take?
Withdrawals via ATMs are instant, bank transfers may take 1-3 business days.
What withdrawal limits are set?
Withdrawal limits depend on card type, verification, and daily legal requirements.
How quickly are funds credited when funding with a card?
Card funding is usually instantaneous or within a few hours.
How long does a bank transfer take?
Domestic bank transfers within Norway typically take minutes to same day; international transfers vary from 1-3 days.
How quickly do cryptocurrency transfers arrive?
Transfer speeds depend on blockchain network congestion; typically minutes to an hour.
Are transfers between users instant?
Internal transfers between SpareBank 1 users are usually instant or near-instant.
Are there delays when funding on weekends?
Funding via bank transfer may be delayed on weekends due to banking system closures.
Do holidays affect funding speed?
Yes, funding on holidays may be delayed until next business day.
Can crediting be accelerated for a fee?
Express or urgent payments may be available for additional fees.
What determines the speed of funding processing?
Processing speed depends on payment method, time of day, and banking intermediaries.
Are there notifications about funding status?
Yes, customers receive notifications about funding and payment status via SMS or app.
What to do if funding takes too long?
Contact customer support to investigate delays and provide transaction details.
How quickly are withdrawal requests processed?
Withdrawal requests are processed depending on method, often same day for electronic withdrawals.
How long does card withdrawal take?
Card cash withdrawals are typically completed instantly at ATMs.
How quickly do bank transfers arrive?
Bank transfers arrive mostly same day domestically; international transfers take longer.
Are cryptocurrency withdrawals instant?
Crypto withdrawals depend on blockchain confirmation times; usually minutes.
Are there withdrawal delays on weekends?
Weekend delays occur as banking networks are closed or slower.
Do holidays affect withdrawal speed?
Withdrawals can be delayed due to bank holidays.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services may be provided for fees.
What determines withdrawal processing time?
Type of withdrawal, verification, bank processing hours, and intermediaries affect timing.
Are there notifications about withdrawal status?
Customers receive notifications on withdrawal request status via app or SMS.
Can a withdrawal request be canceled?
Cancellation is possible if withdrawal is not yet processed; contact support quickly.
How to register with the payment service?
Registration is done online via SpareBank 1 website or app, requiring personal identification.
What data is needed to create an account?
Personal identification, Norwegian national ID or passport, contact details, and proof of address are required.
Can registration be done without email?
Email is typically required for communication and account management.
Is phone confirmation required during registration?
Phone number confirmation is standard to verify identity.
Are there age restrictions for registration?
Minimum age is usually 18 years to open a full banking account.
Can a corporate account be created?
Yes, SpareBank 1 offers business account registration for companies.
Is it required to provide real data?
Yes, real verified personal and business data is mandatory for compliance.
Are there country restrictions for registration?
Registration is restricted to residents of Norway or persons with valid residence status.
How long does account activation take?
Account activation is typically immediate to a few days depending on verification.
What verification levels exist?
Verification tiers include basic identity verification and enhanced due diligence for higher limits.
What documents are required for basic verification?
Basic verification requires photo ID and proof of address.
Are documents needed for full verification?
Full verification may require additional documents like income proof or corporate registration.
Are digital copies of documents accepted?
Yes, digital document upload is accepted for verification.
How long does the verification procedure take?
Verification typically takes 1-3 business days.
Can the service be used without verification?
Limited access available without full verification; higher limits require full KYC.
What restrictions apply to unverified users?
Unverified users have restricted transaction limits and limited services.
Is address confirmation required?
Yes, address verification is required for compliance.
Is a selfie with documents required?
Some enhanced verification processes may request a selfie for identity confirmation.
How often do documents need to be updated?
Documents may need updating every few years or upon major changes.
What encryption technologies does the service use?
SpareBank 1 uses industry-standard SSL/TLS encryption and secure cryptographic protocols.
Is two-factor authentication supported?
Yes, 2FA is supported, often via BankID app or SMS codes.
Are there SMS confirmations for operations?
SMS confirmations are used for sensitive transactions.
Is biometric authentication supported?
Biometric login (fingerprint, Face ID) is supported in the mobile app.
Is blockchain technology used?
Blockchain technology is not directly used in banking operations but supported for crypto-related services.
Is there a multi-level security system?
The service employs multi-level security including encryption, authentication, and monitoring.
How is user personal data protected?
Data protection complies with GDPR and Norwegian privacy laws with strict access controls.
Is cold storage used for cryptocurrencies?
SpareBank 1 does not directly hold cryptocurrencies; partner exchanges use cold storage.
Is there DDoS attack protection?
Yes, network infrastructure includes DDoS protection and mitigation.
Are regular security audits conducted?
Regular internal and external security audits are conducted to ensure compliance.
What anti-phishing protection measures are provided?
Anti-phishing measures include customer education, secure login protocols, and fraud alerts.
Is there a suspicious activity detection system?
Fraud detection systems monitor transaction patterns for suspicious behavior.
How does the service combat money laundering?
AML programs include customer due diligence, monitoring, and reporting suspicious transactions to authorities.
Is there blocking of suspicious accounts?
Accounts involved in suspicious activities are promptly blocked or restricted.
What to do when fraud is detected?
Contact customer support immediately to report fraud for investigation and resolution.
How to report suspicious activity?
Reporting can be done through customer support channels or in the app.
Is there compensation for damage from fraudsters?
Limited compensation policies exist, varying by case and investigation outcomes.
What user rights exist for disputed transactions?
Users can dispute transactions and have them investigated under consumer protection laws.
How to dispute account blocking?
Users may appeal account restrictions by contacting bank support and providing supporting documentation.
Is there insurance against cyber attacks?
The bank maintains cybersecurity insurance as part of its risk management.
What fees does the service charge for transfers?
Fee structures depend on payment type, e.g., domestic transfers often free, international incur fees.
Are there fees for account funding?
Usually no fees for standard bank transfer funding; card funding may incur small fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; ATM withdrawals may be free or charged based on card type.
Are there fees for currency conversion?
Conversion fees apply, disclosed in price lists.
Are there fees for account inactivity?
Typically no inactivity fees for personal accounts.
Are there account maintenance fees?
Maintenance fees apply for some account types or packages.
Are fees charged for operation cancellation?
Cancellation fees may apply for certain transactions like payment order cancellations.
Are there fees for expedited operations?
Express payments or withdrawals may incur additional fees.
Are there hidden fees?
The bank maintains transparent fee disclosures; hidden fees are not typical.
How are fees calculated for large amounts?
Large amounts may incur proportional fees or require individual agreements.
Are there different tariff plans in the service?
Tariff plans vary by account type, including personal, youth, and business offerings.
What advantages does VIP status provide?
VIP accounts may benefit from reduced fees, priority support, and personalized services.
How to get preferential conditions?
Preferential conditions are offered through relationship banking and meeting specified criteria.
Are there free operations per month?
Some free transactions may be included depending on account type.
Are there discounts for active users?
Discounts may be offered for clients with high activity or volume.
Are there corporate tariffs?
Corporate accounts have specific pricing plans with tailored fees.
Can individual conditions be obtained?
Custom conditions may be negotiated for premium clients.
Do promotional codes work for fee reduction?
Promotional fee reductions are not commonly publicized.
Are there cashback programs?
Cashback programs are generally not a primary feature.
Are there discounts for transaction volumes?
Volume-based discounts may be available for corporate clients.
Is there an official mobile application?
Yes, official mobile application SpareBank 1 Mobilbank is available.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
Features include account management, payments, savings, loans, insurance, card management, and customer service.
Does functionality differ from the web version?
The mobile app offers primary services, with some advanced functions reserved for web banking.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported in the mobile app.
Can the application work offline?
Limited app functions are available offline; most require internet connection.
Are there push notifications about operations?
Push notifications are available for transactions and alerts.
Is dark theme supported?
Dark mode is supported in the mobile app.
How often is the mobile application updated?
The app is regularly updated multiple times a year.
Are there beta versions of the application?
Beta testing programs are occasionally offered to users.
Is the web interface of the service convenient?
The web interface is generally considered user-friendly and responsive.
Is responsive design supported?
Yes, the website supports responsive design for mobile access.
In which languages is the interface available?
Interfaces are primarily in Norwegian and English.
Is there a night mode for the website?
Night/dark mode is typically available.
Are hotkeys supported?
Hotkeys are generally not a primary web feature.
Can data be exported?
Export options exist for statements and transaction history.
Is there an API for developers?
API services may be available for corporate clients under agreements.
Is integration with other services supported?
Integration with accounting and payment platforms is supported.
How often is the web interface updated?
Updates happen regularly in line with banking product rollouts.
Are there virtual cards in the service?
Virtual card issuance is available for debit and credit cards.
Can disposable cards be created?
Disposable or temporary card features are not specifically listed.
Is multi-currency account functionality supported?
Multi-currency accounts are generally supported for business clients.
Are there investment products?
Yes, investment and savings products are offered.
Can interest be earned on balance?
Interest accrual on savings accounts is available.
Are there credit products?
Credit cards, personal loans, and mortgages are provided.
Is P2P trading supported?
P2P trading is not provided directly through SpareBank 1.
Can cryptocurrencies be bought/sold?
Cryptocurrency buying/selling is facilitated through partner exchanges, not directly.
Is there acquiring for business?
Merchant acquiring and payment processing services are available for businesses.
Are mass payouts supported?
Bulk payment services for salaries and payouts are supported.
Is there a loyalty program in the service?
No dedicated loyalty program widely publicized.
How are bonus points earned?
Bonus point systems are not prominently featured.
Is there cashback for operations?
Cashback offerings are limited or not standard.
Are there referral programs?
Referral incentives are not a major feature.
What privileges do VIP clients have?
VIP clients receive priority services, fee reductions, and specialized financial advice.
Are there seasonal promotions and offers?
Occasional promotional campaigns occur.
Can premium status be obtained?
Premium account upgrades are available through bank criteria.
Are there partner discounts?
Partner merchant discounts exist mainly regionally.
Are there corporate loyalty programs?
Business clients benefit from corporate pricing and service programs.
Does the service allow operations with online casinos?
Specific policies on online casino transactions are not publicly detailed.
Are there restrictions on gambling transactions?
Gambling-related transactions may be restricted to comply with regulations.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious gambling activity is detected.
How does the service view gambling?
The bank complies with Norwegian regulation, viewing gambling transactions under strict oversight.
Are there special conditions for gambling?
Special terms may apply under the bank's AML and risk policies.
Are casino transactions tracked?
Relevant transactions are monitored for compliance.
Can operations with gambling sites be hidden?
Transactions are subject to regulatory transparency; hiding is not supported.
Are there notifications about gambling expenses?
Customer notifications about gambling expenses are not specifically indicated.
Are there special fees for gambling operations?
Fees depend on transaction type but no standard gambling-specific fees are publicly listed.
Can limits be set on gambling?
Customers may set spending limits voluntarily through banking tools.
Is there a self-exclusion function?
Self-exclusion features for gambling are generally supported via the bank's responsible banking programs.
Can access to gambling sites be restricted?
The bank does not usually restrict site access but monitors payments.
Is gambling expense control supported?
Expense control tools exist generally but not exclusively for gambling.
Are there notifications about limit exceedance?
Alerts on transaction limits are available.
Can operations with casinos be blocked?
Potentially blocked upon suspicion or compliance rules.
Is a "cooling-off period" supported?
Cooling-off period support is mainly through responsible banking advisory.
Can help be obtained for gambling addiction?
The bank provides information and partners with addiction support organizations.
Is there partnership with player assistance organizations?
Yes, partnerships exist for problem gambling support.
How to set up gambling expense notifications?
Customers should contact support for configuring alerts.
Which online casinos accept this payment method?
No official list of accepted casinos; usage at online casinos depends on merchant acceptance of bank cards.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships known.
Do conditions differ when used in different casinos?
Conditions depend on casino payment policies, not bank-specific.
Are there special bonuses for using this method in casinos?
No bonuses directly from SpareBank 1.
Can the method be used for both deposits and withdrawals in casinos?
Usage for deposits is common; withdrawal policies depend on casino.
Are there geographic restrictions for casino usage?
Usage follows national regulations on gambling transactions.
How do casino operators typically process transactions from this method?
Via standard card processing networks and banking transfers.
Are there typical processing times when used with casinos?
Processing times align with normal banking transaction speeds.
Do casinos usually charge additional fees for this method?
Fees are set by casinos, not SpareBank 1.
Are there any known compatibility issues with major casino platforms?
No known systemic compatibility issues.