What is the official website of the payment service?
The official website for SpareBank 1 Østfold Akershus is https://www.sparebank1.no/nb/ostfold-akershus
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Where can I find the customer support contacts?
Customer support contacts are available on the contact page at https://www.sparebank1.no/nb/ostfold-akershus/privat/kundeservice/kontakt.html
What is the hotline phone number?
The main customer service phone number is +47 915 05700
Is there a toll-free support number?
There is no explicit information about a toll-free number; the main support line is a standard number.
What is the email address for technical support?
The general contact email is [email protected]; a specific technical support email is not publicly listed.
Are there separate emails for different types of inquiries?
Specialized department emails are not explicitly listed; the general contact email is provided for support.
Where can I find the online chat support?
Online chat support can be accessed on the bank's official customer service pages, though exact chat availability details are not specified.
Does the chat support work 24/7?
There is no confirmed 24/7 chat support availability; typical customer service hours apply.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support through Telegram, WhatsApp, or similar messengers.
What are the support working hours?
Customer service is open from 07:00 to 22:00 on weekdays, with shorter hours (10:00 to 18:00) on some days.
Does support work on weekends and holidays?
Weekend or holiday support availability is not clearly stated; likely limited or closed on these days.
Are there regional offices for in-person visits?
Yes, physical offices are available for personal visits in the Østfold and Akershus regions.
Where are the physical offices located?
The main address is Varnaveien 43E, 1526 Moss, Norway, with additional local branches in the region.
Can I schedule a personal meeting?
Customers can arrange personal meetings, typically via phone or online contact forms.
Are there representatives in different countries?
The bank operates mainly in Norway with no verified international representative offices.
In which languages is support available?
Support is primarily available in Norwegian; English language support is common but not explicitly stated.
How quickly does support respond to requests?
Average response times are not publicly detailed; typical banking standards suggest within hours to a day.
Is there a priority system for VIP clients?
No specific VIP customer priority service details are available.
Can I request a callback?
Callback options are generally available at banks of this type, but no explicit info on SpareBank 1 Østfold Akershus is found.
When was the payment service founded?
The bank has a long history as a regional savings bank, dating back to early 20th century origins within the SpareBank 1 Alliance.
Who is the founder and owner of the service?
It is owned by local foundations and customers; part of the SpareBank 1 Alliance, which is a cooperative of independent savings banks.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
It evolved as a regional savings bank serving Østfold and Akershus counties, joining SpareBank 1 Alliance for broader network and services.
Have there been major updates or rebranding?
The bank is part of the SpareBank 1 Alliance brand, which has undergone periodic modernization to digital banking.
Who sits on the company's board of directors?
Specific board members are not publicly listed; governance follows Norwegian banking regulations with local representation.
Are there investors or partners in the service?
Two foundations control the majority of the bank’s ownership, with strategic partnerships within the SpareBank 1 group.
Does the company participate in stock trading?
SpareBank 1 Østfold Akershus is not publicly traded.
What is the company's market capitalization?
As a privately owned savings bank, market capitalization data is not applicable.
Are there subsidiary companies or branches?
The bank has regional branches in Østfold and Akershus but no separate subsidiaries.
What licenses does the payment service have?
It operates under Norwegian financial regulatory licenses applicable to savings banks.
In which jurisdictions does the service operate officially?
The bank operates officially within Norway, primarily in Østfold and Akershus regions.
Are there licenses for cryptocurrency operations?
No publicly available information indicates cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
The bank complies with industry-standard anti-money laundering and know-your-customer regulations.
Are there security certificates (PCI DSS, etc.)?
While specifics are not detailed, the bank follows standard security certifications relevant for payment services, including PCI DSS for card handling.
Has the service undergone security audits?
Banking services in Norway regularly undergo security audits; specific audit reports are not disclosed publicly.
Is there insurance for client funds?
Client funds are protected under the Norwegian Bank Deposit Guarantee Scheme.
Which international standards does it comply with?
The bank complies with PSD2 and other EU/Norwegian banking and payment directives.
Have there been any regulatory fines or violations?
No public records indicate regulatory fines or significant violations.
Where can I find real reviews about the service?
Customer reviews can be found on Norwegian banking forums, Google reviews, and local financial service platforms.
What are the main user complaints?
Common complaints in banking include customer service wait times and digital platform usability, though no service-specific issues are verified.
What do users most often praise the service for?
Users highlight personalized service, local presence, and reliable banking operations.
Are there issues with fund withdrawals?
There are no widely reported issues with fund withdrawals for this bank.
Is the interface convenient according to users?
The bank offers digital banking with positive feedback on ease of use and functionality.
Are clients satisfied with transaction speed?
Transaction speeds meet normal banking expectations in Norway.
Do users recommend this service?
Local customers generally recommend the bank for regional banking needs.
How do experts assess the service's reliability?
Experts regard SpareBank 1 Østfold Akershus as a stable and well-capitalized regional bank.
Are there industry awards and recognitions?
There are no specific major awards publicly noted.
Does the service participate in payment system rankings?
Participation in payment system rankings is not explicitly documented.
Are there recommendations from financial regulators?
The bank operates with regulatory approval and ongoing oversight without special regulatory warnings.
What reputation does the service have among partners?
It has a good reputation within the SpareBank 1 Alliance and local business partners.
How do they evaluate solution innovation?
Innovation is aligned with SpareBank 1 group initiatives emphasizing digital banking and PSD2 API integration.
Are there quality service certificates?
The bank adheres to quality standards typical for Norwegian savings banks.
Does the company participate in industry conferences?
Participation in national banking and fintech conferences is likely but not publicly detailed.
How does the service position itself in the market?
It positions itself as a trusted regional savings bank with a focus on personal service and digital convenience.
Which fiat currencies does the service support?
The bank primarily supports Norwegian krone (NOK) for transactions.
Are cryptocurrencies supported? Which ones specifically?
No confirmed cryptocurrency support is available.
Is there a proprietary cryptocurrency or token?
The bank does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion services are limited, primarily focusing on NOK.
What exchange rates are used for conversion?
Standard market exchange rates apply for any currency conversions.
How often are exchange rates updated?
Exchange rates are updated according to daily market fluctuations.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Handling of exotic currencies is not standard and likely limited.
Are there currency restrictions in different countries?
Currency operations follow Norwegian regulatory restrictions.
What types of transfers does the service support?
Supports domestic transfers, SWIFT for international payments, and electronic bill payments.
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 cards are not typically a core service.
Can money be transferred to bank accounts?
Yes, bank account transfers domestically and internationally are supported.
Is bill payment available?
Yes, bill payment services are offered.
Are recurring payments supported?
Recurring payments can be set up.
Can automatic transfers be set up?
Automatic transfer scheduling is available.
Is payment scheduling available?
Payment scheduling features exist.
Are group payments supported?
Group payment options are not specifically detailed.
Can payment links be created?
No verified info on payment link generation.
What are the minimum transaction amounts in the service?
Minimum transaction limits comply with regulatory and bank internal policies.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type and verification level.
Are there daily limits on operations?
Daily transaction limits exist based on regulatory and bank policies.
What monthly and annual limits are in effect?
Monthly and annual limits apply depending on user verification.
Can limits be increased? How?
Limit increases generally require enhanced verification or bank approval.
Do limits differ for verified users?
Verified users enjoy higher transaction limits.
Are there restrictions for new accounts?
New accounts may face initial transaction limits until verified.
Do special limits apply in different countries?
Geographic specific limits follow Norwegian legal rules.
Can operations be temporarily blocked?
Accounts and operations can be blocked for security or compliance reasons.
Are there limits on the number of daily operations?
There are likely daily operation count limits to mitigate risk.
What are the minimum amounts for account funding?
Minimum funding depends on the funding method used.
What methods of funding are supported?
Funding via bank transfer, cards, and possibly mobile payments.
Are there fees for funding?
Funding fees may apply depending on method.
What are the minimum funding amounts?
Minimum deposit amounts vary by channel.
How quickly are funds credited when funding?
Credit times depend on funding method, typically instant for card, 1-2 days for bank transfers.
How can money be withdrawn from the system?
Withdrawals via ATM, bank transfer, or in-branch services.
Are there fees for fund withdrawal?
Withdrawal fees apply as per bank tariff.
How long does withdrawal take?
Withdrawal processing varies; bank transfers 1-2 days; ATM instant.
What withdrawal limits are set?
Limits vary by account and verification status.
How quickly are funds credited when funding with a card?
Card funding is usually instant or within minutes.
How long does a bank transfer take?
Domestic bank transfers typically take 1 business day.
How quickly do cryptocurrency transfers arrive?
No cryptocurrency service confirmed.
Are transfers between users instant?
Internal transfers are typically instant.
Are there delays when funding on weekends?
Weekend funding may be processed the next business day.
Do holidays affect funding speed?
Holidays may delay processing times.
Can crediting be accelerated for a fee?
Express processing may be available at additional cost.
What determines the speed of funding processing?
Processing speed depends on payment method, banking hours, and regulatory checks.
Are there notifications about funding status?
Notifications are typically sent via app or email.
What to do if funding takes too long?
Contact customer support to investigate delays.
How quickly are withdrawal requests processed?
Withdrawals are usually processed within 1-2 business days.
How long does card withdrawal take?
Card withdrawals at ATMs are instant.
How quickly do bank transfers arrive?
Bank transfers generally arrive within 1 business day.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals not applicable.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends process next business day.
Do holidays affect withdrawal speed?
Holidays can delay withdrawals.
Can withdrawal be accelerated for an additional fee?
Express withdrawal fees may apply.
What determines withdrawal processing time?
Bank policies, payment method, verification, and compliance checks.
Are there notifications about withdrawal status?
Users receive transaction notifications by app or email.
Can a withdrawal request be canceled?
Cancellation depends on withdrawal status and bank policies.
How to register with the payment service?
Registration is done online or in-branch, requiring personal identity verification.
What data is needed to create an account?
Personal identification, contact info, and proof of address required.
Can registration be done without email?
Email is generally required for registration.
Is phone confirmation required during registration?
Phone verification is typically part of the process.
Are there age restrictions for registration?
Minimum age is 18 years, in accordance with Norwegian law.
Can a corporate account be created?
Yes, business account registration is supported.
Is it required to provide real data?
Identity verification with real data is mandatory.
Are there country restrictions for registration?
Only residents in Norway or with Norwegian ID can register.
How long does account activation take?
Typically instant to a few days depending on verification.
What verification levels exist?
Basic and enhanced verification, including identity and address confirmation.
What documents are required for basic verification?
Valid ID (passport or national ID), proof of address.
Are documents needed for full verification?
Additional documents for enhanced verification might be required for business accounts.
Are digital copies of documents accepted?
Yes, digital document submission is accepted.
How long does the verification procedure take?
Verification usually takes 1-3 business days.
Can the service be used without verification?
Limited access available without full verification.
What restrictions apply to unverified users?
Reduced transaction limits and restricted features.
Is address confirmation required?
Address verification is required for full account functionality.
Is a selfie with documents required?
Typically required for enhanced identity verification.
How often do documents need to be updated?
Documents are reviewed periodically; renewal may be requested every few years.
What encryption technologies does the service use?
Uses SSL/TLS encryption and complies with industry security standards.
Is two-factor authentication supported?
Yes, 2FA is supported and recommended.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction verification.
Is biometric authentication supported?
Biometric login is supported through mobile banking apps if device-compatible.
Is blockchain technology used?
No public information confirms blockchain-based services.
Is there a multi-level security system?
The bank employs multi-layered security including encryption, access controls, and monitoring.
How is user personal data protected?
Personal data is secured under Norwegian privacy laws and GDPR compliance.
Is cold storage used for cryptocurrencies?
Not applicable as cryptocurrency services are not offered.
Is there DDoS attack protection?
Standard DDoS protection measures are in place.
Are regular security audits conducted?
Security audits are regularly conducted as part of compliance.
What anti-phishing protection measures are provided?
The bank implements anti-phishing warnings and user education.
Is there a suspicious activity detection system?
Fraud detection and monitoring systems are active.
How does the service combat money laundering?
The bank has AML policies, KYC checks, and monitoring procedures.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked or restricted according to regulations.
What to do when fraud is detected?
Report immediately to the bank's fraud department.
How to report suspicious activity?
Contact customer service or submit through the bank's online reporting tools.
Is there compensation for damage from fraudsters?
Norwegian banking law provides protections and compensation policies for fraud victims.
What user rights exist for disputed transactions?
Users can dispute transactions under Norwegian consumer protection laws.
How to dispute account blocking?
Disputes are handled through customer service and regulatory mediation if needed.
Is there insurance against cyber attacks?
The bank maintains cyber insurance as part of operational risk management.
What fees does the service charge for transfers?
Transfer fees vary by type; some domestic transfers may be free, international transfers have fees.
Are there fees for account funding?
Typically no fee for common funding methods.
Are fees charged for fund withdrawal?
Fees apply based on withdrawal channel and amount.
Are there fees for currency conversion?
Currency conversion fees are charged as per bank rates.
Are there fees for account inactivity?
Inactivity fees are generally not charged.
Are there account maintenance fees?
Maintenance fees depend on account type and service level.
Are fees charged for operation cancellation?
Fees may apply if cancellations occur after processing.
Are there fees for expedited operations?
Express services may incur additional fees.
Are there hidden fees?
The bank discloses fees transparently in its pricing documents.
How are fees calculated for large amounts?
Large transaction fees are calculated based on tiered rates or negotiated terms.
Are there different tariff plans in the service?
Pricing plans may exist for retail and corporate clients.
What advantages does VIP status provide?
No specific VIP program information is available.
How to get preferential conditions?
Preferential terms typically result from relationship banking and account balance size.
Are there free operations per month?
Free transaction quotas may apply depending on account type.
Are there discounts for active users?
Discounts are rarely advertised explicitly.
Are there corporate tariffs?
Corporate accounts have separate pricing schedules.
Can individual conditions be obtained?
Personalized pricing may be offered to high-value clients.
Do promotional codes work for fee reduction?
No information on promo codes for fees.
Are there cashback programs?
Cashback is not a standard feature.
Are there discounts for transaction volumes?
Volume discounts may apply for business clients.
Is there an official mobile application?
Yes, SpareBank 1 Østfold Akershus 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 management, payment initiation, card control, and messaging.
Does functionality differ from the web version?
Functionality is generally aligned but optimized for mobile use.
Is Touch ID/Face ID supported?
Yes, biometric authentication such as Touch ID and Face ID is supported.
Can the application work offline?
Offline functionality is limited; most functions require internet connection.
Are there push notifications about operations?
Yes, push notifications for payments and alerts are available.
Is dark theme supported?
Dark mode is supported in the mobile app.
How often is the mobile application updated?
Updates happen regularly, about every few months.
Are there beta versions of the application?
Beta testing is not publicly advertised.
Is the web interface of the service convenient?
The web interface is user-friendly and responsive.
Is responsive design supported?
Yes, the website uses responsive design for various devices.
In which languages is the interface available?
The primary interface language is Norwegian, with partial English support.
Is there a night mode for the website?
Night mode is available on the mobile app; unclear on web.
Are hotkeys supported?
Hotkeys are typically not supported in banking web apps.
Can data be exported?
Data export options exist for statements and transaction history.
Is there an API for developers?
APIs are available for PSD2 payment initiation and account info under strict terms.
Is integration with other services supported?
Bank integrates with third-party payment and finance services within Norway and EU PSD2 frameworks.
How often is the web interface updated?
Web updates occur regularly for security and feature improvements.
Are there virtual cards in the service?
Virtual card issuance is supported within the SpareBank 1 group.
Can disposable cards be created?
Disposable or single-use cards are generally not offered.
Is multi-currency account functionality supported?
Multi-currency accounts are generally not supported.
Are there investment products?
The bank offers investment products such as mutual funds and savings plans.
Can interest be earned on balance?
Interest can be earned on savings accounts.
Are there credit products?
Consumer loans, mortgages, and credit cards are available.
Is P2P trading supported?
Peer-to-peer currency or securities trading is not standard.
Can cryptocurrencies be bought/sold?
The bank does not provide cryptocurrency buying or selling services.
Is there acquiring for business?
Merchant acquiring services are offered through SpareBank 1 group partnerships.
Are mass payouts supported?
Bulk payment services are likely provided for business clients.
Is there a loyalty program in the service?
No specific loyalty program is publicly detailed.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not a bank feature.
Are there referral programs?
No clear referral program information.
What privileges do VIP clients have?
VIP client privileges are not specified.
Are there seasonal promotions and offers?
Occasional seasonal offers may exist for products.
Can premium status be obtained?
No public information on premium account upgrade.
Are there partner discounts?
Partner discounts may exist within the SpareBank 1 ecosystem.
Are there corporate loyalty programs?
Corporate loyalty programs are not explicitly stated.
Does the service allow operations with online casinos?
No specific policy on gambling transactions is publicly available.
Are there restrictions on gambling transactions?
Norwegian regulations require monitoring but no explicit banking restrictions found.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious activity is detected.
How does the service view gambling?
The bank complies with regulatory requirements to monitor gambling transactions.
Are there special conditions for gambling?
No specific terms disclosed.
Are casino transactions tracked?
Transactions are monitored for compliance.
Can operations with gambling sites be hidden?
No discretion for hiding transactions; transparency is required by law.
Are there notifications about gambling expenses?
Such notifications are not typically provided.
Are there special fees for gambling operations?
No special fees are publicly noted.
Can limits be set on gambling?
No user-configurable gambling limits reported.
Is there a self-exclusion function?
Self-exclusion relates more to regulatory bodies than banks.
Can access to gambling sites be restricted?
This is beyond the bank’s scope.
Is gambling expense control supported?
The bank’s role is limited to transaction monitoring.
Are there notifications about limit exceedance?
Not typically provided by the bank.
Can operations with casinos be blocked?
Blocking can occur under suspicious activity or regulatory requests.
Is a "cooling-off period" supported?
Not applicable.
Can help be obtained for gambling addiction?
Not provided directly by the bank.
Is there partnership with player assistance organizations?
Not publicly stated.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
The bank’s cards are accepted anywhere Visa is accepted.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships.
Can the method be used for both deposits and withdrawals in casinos?
Deposits only; casinos handle withdrawals separately.
Are there geographic restrictions for casino usage?
Geographic restrictions are governed by casino policies and Norwegian laws.
How do casino operators typically process transactions from this method?
As standard card payments.
Are there typical processing times when used with casinos?
Processing times follow standard card payment processing.
Do casinos usually charge additional fees for this method?
Casinos may charge fees, but not bank-related.
Are there any known compatibility issues with major casino platforms?
None known.