What is the official website of the payment service?
The official website is www.oest.no.
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Where can I find the customer support contacts?
Customer support contacts can be found on the official website www.oest.no under the contact or support section.
What is the hotline phone number?
The main customer service phone number is +47 33 51 38 55.
Is there a toll-free support number?
There is no verified information on the availability of a toll-free support number specific to Sparebanken Øst.
What is the email address for technical support?
Technical support email address is [email protected].
Are there separate emails for different types of inquiries?
General inquiries can be sent to [email protected]. There is no detailed verified information on multiple specialized departmental emails.
Where can I find the online chat support?
There is no verified information about online chat support availability on the official website or mobile app previews.
Does the chat support work 24/7?
No verified information about 24/7 chat support availability.
Is there support through messengers (Telegram, WhatsApp)?
No verified information about support via Telegram, WhatsApp, or other messenger platforms.
What are the support working hours?
Specific customer support hours are not publicly detailed; usually, banks offer support during normal business hours, Monday to Friday.
Does support work on weekends and holidays?
No specific confirmation; typically, banking support does not operate fully on weekends and holidays except for automated services.
Are there regional offices for in-person visits?
Yes, Sparebanken Øst has multiple physical offices across Eastern Norway for in-person visits.
Where are the physical offices located?
Offices are located in multiple towns including Drammen (Bragernes, Gulskogen, Konnerud), Hokksund, Mjøndalen, Sandvika, Jessheim, Oslo sentrum, Fredrikstad, and many others.
Can I schedule a personal meeting?
Yes, personal meetings with customer advisors can be scheduled by contacting the bank.
Are there representatives in different countries?
No verified information on international representatives; main operations are focused on Eastern Norway.
In which languages is support available?
Support is primarily available in Norwegian.
How quickly does support respond to requests?
No verified specific response time data; typically banks respond within 1-2 business days for emails and quicker for phone inquiries.
Is there a priority system for VIP clients?
No public details on VIP or priority customer support.
Can I request a callback?
No verified information on callback services being offered.
When was the payment service founded?
Sparebanken Øst was established on 11 January 1843.
Who is the founder and owner of the service?
Founded as a savings bank in 1843; it is a mutual savings bank owned by its customers and the local community.
In which country is the company registered?
Registered in Norway.
What is the development history of the payment service?
The bank has evolved from a regional savings bank founded in the 19th century to offering modern digital services including mobile banking and card payments integrated with Norwegian payment systems.
Have there been major updates or rebranding?
Recent significant updates focus on mobile banking enhancements and security features. No major rebranding confirmed.
Who sits on the company's board of directors?
No specific current board member info verified; such details are typically available on the bank’s official website annual reports.
Are there investors or partners in the service?
It is a mutual savings bank; partnerships include BankID BankAxept for payment processing and authentication.
Does the company participate in stock trading?
No, Sparebanken Øst is not publicly traded.
What is the company's market capitalization?
Not publicly listed, thus no market capitalization data available.
Are there subsidiary companies or branches?
The bank operates branches locally in Eastern Norway; no publicly verified major subsidiaries.
What licenses does the payment service have?
Licensed as a Norwegian savings bank under Norwegian financial regulations and supervised by Finanstilsynet (Norwegian Financial Supervisory Authority).
In which jurisdictions does the service operate officially?
Officially operates in Norway, mainly eastern regions.
Are there licenses for cryptocurrency operations?
No specific cryptocurrency operational licenses verified; services encourage use of regulated crypto exchanges by facilitating transfers.
Does the service comply with AML/KYC requirements?
Yes, Sparebanken Øst complies strictly with AML and KYC regulations under Norwegian law.
Are there security certificates (PCI DSS, etc.)?
Uses standard banking security and compliance certifications including PCI DSS for card services.
Has the service undergone security audits?
Regular security audits are standard in Norwegian banks; no specific audit reports publicly available.
Is there insurance for client funds?
Yes, client deposits are insured by the Norwegian Banks’ Guarantee Fund.
Which international standards does it comply with?
Complies with European and Norwegian banking and payment standards including PSD2.
Have there been any regulatory fines or violations?
No publicly disclosed regulatory fines.
Where can I find real reviews about the service?
Reviews available on Apple App Store, Google Play Store, and financial service review platforms in Norway.
What are the main user complaints?
Some users report occasional issues with app stability and customer service wait times.
What do users most often praise the service for?
Praised for digital banking convenience, robust mobile app features, and friendly customer service.
Are there issues with fund withdrawals?
No widespread reports of problems with fund withdrawals.
Is the interface convenient according to users?
The app and web interfaces are commonly described as user-friendly and intuitive.
Are clients satisfied with transaction speed?
Users generally satisfied with fast transaction processing, especially instant payments.
Do users recommend this service?
A majority recommend it, especially local customers for its regional focus and stable service.
How do experts assess the service's reliability?
Experts consider it a reliable and well-regulated regional bank with modern digital payment capabilities.
Are there industry awards and recognitions?
No recent industry awards publicly cited.
Does the service participate in payment system rankings?
Participates indirectly via BankID BankAxept network which is Norway’s leading payment system.
Are there recommendations from financial regulators?
Regulated and in good standing with Finanstilsynet.
What reputation does the service have among partners?
Positive reputation as a solid regional bank partner in Norway’s finance sector.
How do they evaluate solution innovation?
Recognized for steady digital innovation especially in mobile banking and payment integration.
Are there quality service certificates?
Holds certifications typical for Norwegian banking institutions.
Does the company participate in industry conferences?
Likely participates in Nordic financial and banking industry events, no specifics found.
How does the service position itself in the market?
Positions as a customer-friendly regional savings bank with strong digital banking services.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK), Euro (EUR) for SEPA payments.
Are cryptocurrencies supported? Which ones specifically?
Does not offer direct crypto trading but supports transfers to regulated exchanges that trade Bitcoin, Ethereum, and others.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is available mainly for cross-border payments in supported currencies.
What exchange rates are used for conversion?
Uses Visa/Mastercard exchange rates plus standard conversion fees for card payments abroad.
How often are exchange rates updated?
Exchange rates update daily or in real-time according to card schemes.
Are stablecoins supported?
Not supported for direct use in banking services.
Can exotic currencies be handled?
Limited to common currencies handled in SEPA and card payment systems.
Are there currency restrictions in different countries?
Subject to applicable Norwegian banking and foreign exchange regulations.
What types of transfers does the service support?
Domestic transfers, SEPA, real-time payments, and cross-border transfers.
Can transfers be made between service users?
Yes, peer-to-peer transfers within the bank and to other Norwegian banks.
Are transfers to bank cards supported?
Direct bank card to bank card transfers are not standard banking service.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and to SEPA accounts are supported.
Is bill payment available?
Yes, bill payment services are available via internet and mobile banking.
Are recurring payments supported?
Recurring payment options can be set up in the internet banking platform.
Can automatic transfers be set up?
Yes, standing orders and scheduled transfers are supported.
Is payment scheduling available?
Payment scheduling through internet and mobile banking is available.
Are group payments supported?
No specific public information; usually not standard in most retail banking services.
Can payment links be created?
No verified info on payment link generation; typical in merchant platforms.
What are the minimum transaction amounts in the service?
Minimum amounts vary by transfer type; usually very low or no minimum for regular banking payments.
What are the maximum amounts that can be transferred?
Transfer limits depend on customer’s account type and verification level.
Are there daily limits on operations?
Daily limits apply and can be customized per customer profile.
What monthly and annual limits are in effect?
Monthly/annual limits exist as per Norwegian banking regulations and internal policy.
Can limits be increased? How?
Limits can be increased by customer request and additional verification.
Do limits differ for verified users?
Verified users have higher limits; verification levels impact transaction capacities.
Are there restrictions for new accounts?
New accounts have initial lower limits and restrictions until verification.
Do special limits apply in different countries?
Limits may vary for cross-border transactions depending on regulations.
Can operations be temporarily blocked?
Yes, banking systems can block suspicious or unauthorized operations.
Are there limits on the number of daily operations?
Yes, to reduce fraud risk and comply with regulations.
What are the minimum amounts for account funding?
Minimum deposits depend on account type; often low or zero minimums.
What methods of funding are supported?
Funding via bank transfer, card deposit, and other accepted banking channels.
Are there fees for funding?
Usually no fees for domestic funding; card deposits or international transfers may incur charges.
What are the minimum funding amounts?
Minimums for card and bank transfers vary; often low.
How quickly are funds credited when funding?
Bank transfers typically credited same or next business day.
How can money be withdrawn from the system?
Withdrawals via ATM, bank teller, transfer to other bank accounts, or card cash-outs.
Are there fees for fund withdrawal?
Fees may apply for withdrawals abroad or specific transaction types.
How long does withdrawal take?
Withdrawals via ATM are instant; bank transfers may take 1-2 business days.
What withdrawal limits are set?
Limits depend on account type, verification, and local regulation.
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 transfers typically same-day; SEPA and international transfers may take 1-2 business days.
How quickly do cryptocurrency transfers arrive?
Not applicable as bank does not handle crypto transfers directly.
Are transfers between users instant?
Internal transfers within Sparebanken Øst are typically instant.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day.
Do holidays affect funding speed?
Bank holidays delay processing of payments and funding.
Can crediting be accelerated for a fee?
No standard accelerated funding services publicly confirmed.
What determines the speed of funding processing?
Depends on transfer type, receiving bank, and intermediaries.
Are there notifications about funding status?
Customers usually receive notifications or can track funding status online.
What to do if funding takes too long?
Contact customer support for investigation and resolution.
How quickly are withdrawal requests processed?
Withdrawal requests processed typically within one business day.
How long does card withdrawal take?
ATM withdrawals are instant; card withdrawal from bank account depends on processing times.
How quickly do bank transfers arrive?
Bank transfers typically arrive within 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Yes, processing is delayed on bank holidays.
Can withdrawal be accelerated for an additional fee?
No confirmed express withdrawal service publicly available.
What determines withdrawal processing time?
Banking system processing, verification, and receiving institution.
Are there notifications about withdrawal status?
Customers can usually track withdrawals in online banking or receive alerts.
Can a withdrawal request be canceled?
Cancellation possible only before processing; specifics depend on bank policy.
How to register with the payment service?
Registration via website or mobile app using BankID for identity verification.
What data is needed to create an account?
Personal ID number, contact details, identity verification documents, and Norwegian residency proof.
Can registration be done without email?
Email is typically required for communication and login purposes.
Is phone confirmation required during registration?
Phone confirmation may be part of the security process.
Are there age restrictions for registration?
Minimum age is generally 18 years to hold full bank accounts; limited services for under 18.
Can a corporate account be created?
Yes, business accounts can be opened through dedicated processes and documentation.
Is it required to provide real data?
Yes, real and verified identity data is mandatory for regulatory compliance.
Are there country restrictions for registration?
Restricted to residents of Norway or persons with Norwegian ID numbers.
How long does account activation take?
Activation usually immediate after verification but may take up to a few days for full services.
What verification levels exist?
Basic and enhanced verification depending on services used; higher levels for credit and higher limits.
What documents are required for basic verification?
Valid government-issued ID and proof of address.
Are documents needed for full verification?
Yes, additional documents like income proof and other personal verification may be required.
Are digital copies of documents accepted?
Digital document submissions are accepted through secure upload portals.
How long does the verification procedure take?
Verification typically completes within 1–3 business days.
Can the service be used without verification?
Limited use possible; full features require completed verification.
What restrictions apply to unverified users?
Reduced limits, no credit services, restricted transaction types.
Is address confirmation required?
Yes, address confirmation is required for compliance with KYC policies.
Is a selfie with documents required?
Often required for advanced identity verification steps.
How often do documents need to be updated?
Documents review frequency varies but generally every few years or upon changes.
What encryption technologies does the service use?
Uses industry-standard TLS encryption for data transmission and secure storage.
Is two-factor authentication supported?
Yes, supports 2FA via BankID and mobile-based authentication.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction security.
Is biometric authentication supported?
Yes, face ID and fingerprint authentication are supported on mobile devices.
Is blockchain technology used?
No confirmed direct use of blockchain technology.
Is there a multi-level security system?
Yes, multiple security layers including encryption, authentication, and fraud monitoring.
How is user personal data protected?
Data protected per GDPR and Norwegian data protection laws with strict access controls.
Is cold storage used for cryptocurrencies?
Bank does not hold cryptocurrency assets, so this is not applicable.
Is there DDoS attack protection?
Yes, standard protections are in place to mitigate DDoS attacks.
Are regular security audits conducted?
Regular security audits and penetration testing are standard practice.
What anti-phishing protection measures are provided?
Anti-phishing awareness, email authentication, and transactional alerts are employed.
Is there a suspicious activity detection system?
Yes, real-time monitoring for suspicious transactions and fraud detection.
How does the service combat money laundering?
Strict AML policies, KYC procedures, and transaction monitoring systems.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or AML violations are promptly blocked pending investigation.
What to do when fraud is detected?
Report immediately to bank support; bank conducts investigation and takes action.
How to report suspicious activity?
Use customer support channels or dedicated fraud reporting numbers/email.
Is there compensation for damage from fraudsters?
Protection offered according to regulatory requirements and bank policies.
What user rights exist for disputed transactions?
Customer rights to dispute erroneous or fraudulent transactions with resolution procedures.
How to dispute account blocking?
Contact customer service for review and appeal of account blocks.
Is there insurance against cyber attacks?
The bank holds cybersecurity insurance customary in the financial industry.
What fees does the service charge for transfers?
Domestic transfers standard NOK 0; cross-border and special transfers incur fees as listed.
Are there fees for account funding?
Typically no fees for domestic funding; card or international deposits may have fees.
Are fees charged for fund withdrawal?
Fees may apply, especially for international ATM withdrawals or special services.
Are there fees for currency conversion?
Currency conversions incur about 2% fees over base exchange rate.
Are there fees for account inactivity?
No standard inactivity fees publicly listed.
Are there account maintenance fees?
Some accounts may have maintenance fees depending on product type.
Are fees charged for operation cancellation?
Cancellation fees can be charged for payment cancellations.
Are there fees for expedited operations?
No public info on express fee services.
Are there hidden fees?
Bank discloses fees transparently per Norwegian financial regulations.
How are fees calculated for large amounts?
Large transaction fees may have fixed and percentage components.
Are there different tariff plans in the service?
Various pricing tailored for retail, business, and corporate customers.
What advantages does VIP status provide?
No specific VIP program publicly reported.
How to get preferential conditions?
Preferential conditions usually negotiated for larger business clients.
Are there free operations per month?
Some free operations included depending on account type.
Are there discounts for active users?
No specific discount programs publicly noted.
Are there corporate tariffs?
Corporate tariffs exist with customized pricing.
Can individual conditions be obtained?
Custom pricing possible for significant clients.
Do promotional codes work for fee reduction?
No public info on promo codes.
Are there cashback programs?
No confirmed cashback programs for customers.
Are there discounts for transaction volumes?
Volume-based discounts may apply for business clients.
Is there an official mobile application?
Yes, Sparebanken Øst has an official mobile app called Sparebanken Øst Mobilbank.
On which platforms is the application available?
Available on iOS (App Store) and Android (Google Play).
What functions are available in the mobile application?
Account overview, transfers, bill payments, card management, loan applications, insurance management, secure email to bank.
Does functionality differ from the web version?
Core functions similar, mobile app optimized for on-the-go banking.
Is Touch ID/Face ID supported?
Yes, biometric login supported on compatible devices.
Can the application work offline?
Limited functions offline; requires internet for transactions.
Are there push notifications about operations?
Push notifications are available for account activity alerts.
Is dark theme supported?
No verified info on dark mode support.
How often is the mobile application updated?
Regular updates with bug fixes and new features (several times yearly).
Are there beta versions of the application?
No public beta program information.
Is the web interface of the service convenient?
The web platform is generally reported as user-friendly and efficient.
Is responsive design supported?
Yes, web interface adapts to mobile and desktop screens.
In which languages is the interface available?
Available primarily in Norwegian.
Is there a night mode for the website?
No official night mode confirmed.
Are hotkeys supported?
No public information on hotkeys.
Can data be exported?
Data export is typically possible for transaction history in common formats.
Is there an API for developers?
No public API information available.
Is integration with other services supported?
Integrates with BankID, BankAxept, and standard Norwegian financial infrastructures.
How often is the web interface updated?
Updates occur regularly to improve security and functionality.
Are there virtual cards in the service?
No confirmed virtual card offerings.
Can disposable cards be created?
No information on disposable/temporary cards.
Is multi-currency account functionality supported?
Mostly single currency accounts (NOK); multi-currency accounts not commonly offered.
Are there investment products?
Yes, investment and fund products are offered through the bank.
Can interest be earned on balance?
Yes, on savings and deposit accounts.
Are there credit products?
Yes, loans and credit cards are available.
Is P2P trading supported?
No direct P2P trading of assets.
Can cryptocurrencies be bought/sold?
Not directly via the bank; transfers to regulated crypto exchanges are supported.
Is there acquiring for business?
Merchant acquiring services not publicly detailed; likely available via partners.
Are mass payouts supported?
No specific mass payout services publicly listed.
Is there a loyalty program in the service?
No loyalty program disclosed.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Not available.
Are there referral programs?
None publicly announced.
What privileges do VIP clients have?
No specific VIP privileges disclosed.
Are there seasonal promotions and offers?
No information on seasonal offers.
Can premium status be obtained?
Not publicly described.
Are there partner discounts?
No partner discounts detailed.
Are there corporate loyalty programs?
No corporate loyalty programs disclosed.
Does the service allow operations with online casinos?
No specific policy details publicly available.
Are there restrictions on gambling transactions?
Common banking compliance practices usually restrict suspicious gambling-related transactions.
Can accounts be blocked for casino play?
Possible in cases of regulatory or fraud suspicion.
How does the service view gambling?
No official public stance, but generally complies with AML rules regarding gambling-related payments.
Are there special conditions for gambling?
No publicly available special conditions.
Are casino transactions tracked?
Yes, transactions monitored for compliance and AML purposes.
Can operations with gambling sites be hidden?
No, transparency and compliance require transaction visibility.
Are there notifications about gambling expenses?
No specific notifications targeted at gambling expenses.
Are there special fees for gambling operations?
No public fees specifically for gambling transactions.
Can limits be set on gambling?
Transaction limits can sometimes be customized by customers.
Is there a self-exclusion function?
Banks typically encourage self-exclusion through responsible banking tools.
Can access to gambling sites be restricted?
Banks often cooperate with regulators on gambling restrictions.
Is gambling expense control supported?
Limited direct support, customers can manage spending limits generally.
Are there notifications about limit exceedance?
Customers can set alerts on spending limits.
Can operations with casinos be blocked?
Yes, if suspicious or non-compliant.
Is a "cooling-off period" supported?
No specific information on cooling-off for gambling.
Can help be obtained for gambling addiction?
Banks provide guidance to responsible gambling support services.
Is there partnership with player assistance organizations?
No verified partnerships disclosed.
How to set up gambling expense notifications?
Customers can set general spending notification limits via mobile or online banking.
Which online casinos accept this payment method?
No specific casino acceptance list.
Are there exclusive partnerships with specific casinos?
None publicly known.
Do conditions differ when used in different casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Indirectly possible via banking transfers to exchanges or platforms.
Are there geographic restrictions for casino usage?
Usage follows general banking restrictions per jurisdiction.
How do casino operators typically process transactions from this method?
Through standard card or bank transfers per banking guidelines.
Are there typical processing times when used with casinos?
Standard bank processing times apply.
Do casinos usually charge additional fees for this method?
No specific fees related to the payment method.
Are there any known compatibility issues with major casino platforms?
No known issues publicly reported.