What is the official website of the payment service?
https://www.sparekassenballing.dk
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Where can I find the customer support contacts?
Customer support contact information is available on the official Sparekassen Balling website under the "Contact Us" section.
What is the hotline phone number?
+45 97 56 44 22
Is there a toll-free support number?
There is no verified information about a toll-free support number for Sparekassen Balling, so it is likely not available.
What is the email address for technical support?
There is no specific technical support email address publicly listed; general inquiries are likely handled through main contact emails or customer service.
Are there separate emails for different types of inquiries?
No specific verified information on separated departmental email contacts; typically, banking institutions provide general contact emails and direct specific queries internally.
Where can I find the online chat support?
There is no confirmed availability of online chat support on the website or related portals for Sparekassen Balling.
Does the chat support work 24/7?
Since online chat availability is not confirmed, 24/7 chat support is unlikely.
Is there support through messengers (Telegram, WhatsApp)?
No verified support through Telegram, WhatsApp, or similar messenger apps is indicated.
What are the support working hours?
Support is available Monday to Friday approximately between 10:00 and 16:00/17:00 depending on location, with specifics varying by branch.
Does support work on weekends and holidays?
Customer support is generally not available on weekends and public holidays.
Are there regional offices for in-person visits?
Yes, there are physical branch offices in Balling, Holstebro, and Skive where customers may visit.
Where are the physical offices located?
Main locations include Søndergade 12A, Balling 7860 Spøttrup; Jeppe Schous Gade 6, 7500 Holstebro; Søndergade 11, 7800 Skive.
Can I schedule a personal meeting?
Personal meetings can be scheduled; customers typically contact the branch directly via phone or online to arrange appointments.
Are there representatives in different countries?
No verified presence of international representative offices; operations focus on Denmark.
In which languages is support available?
Support is primarily available in Danish; some services also offer English language options.
How quickly does support respond to requests?
Typical response times align with standard banking industry practices, ranging from a few hours to one business day depending on contact method.
Is there a priority system for VIP clients?
No verified information about a formal VIP customer priority system.
Can I request a callback?
Callback services are typically standard in Danish banking, but no explicit confirmation is available for Sparekassen Balling.
When was the payment service founded?
Sparekassen Balling was founded in 1872.
Who is the founder and owner of the service?
Specific founder details are not explicitly documented; the institution is locally owned and operated as a savings bank.
In which country is the company registered?
The company is registered in Denmark.
What is the development history of the payment service?
Initially established in 1872, Sparekassen Balling has developed as a local savings bank offering retail and business banking services expanded over decades including digital banking integration.
Have there been major updates or rebranding?
No major rebranding events were detected recently; continual updates include digital service enhancements like mobile banking apps.
Who sits on the company's board of directors?
Publicly verified detailed board member information is not available; typically includes local and regional banking professionals.
Are there investors or partners in the service?
The bank participates in Finansiel Stabilitet, the Danish deposit guarantee scheme, implying cooperation with financial regulatory partners.
Does the company participate in stock trading?
No indication that Sparekassen Balling is publicly traded; it operates as a local savings bank.
What is the company's market capitalization?
Not applicable as it is not publicly listed.
Are there subsidiary companies or branches?
The bank operates multiple branches in Balling, Holstebro, and Skive; no known subsidiaries.
What licenses does the payment service have?
Licensed and regulated by the Danish Financial Supervisory Authority (Finanstilsynet), reference number 9312.
In which jurisdictions does the service operate officially?
Officially operates in Denmark.
Are there licenses for cryptocurrency operations?
No verified information on cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, like all licensed Danish banks, Sparekassen Balling complies with European and Danish AML and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
Specific PCI DSS or similar certificate details were not found; banks typically comply with industry security standards.
Has the service undergone security audits?
By regulatory mandate, regular security audits are conducted though no public audit reports are available.
Is there insurance for client funds?
Deposits are insured up to 100,000 EUR by the Danish deposit guarantee scheme.
Which international standards does it comply with?
Compliance with EU banking regulations including PSD2, GDPR, AML directives, and Danish financial regulations.
Have there been any regulatory fines or violations?
No public records of regulatory fines or violations related to Sparekassen Balling were found.
Where can I find real reviews about the service?
Reviews may be found on local Danish banking review websites and customer forums, but no major global review platform presence.
What are the main user complaints?
Typical banking complaints may involve transaction processing or digital banking usability, but no specific consistent issues found for Sparekassen Balling.
What do users most often praise the service for?
Users praise personalized service, local community focus, transparency, and reliable banking service.
Are there issues with fund withdrawals?
No commonly reported withdrawal problems associated with this bank.
Is the interface convenient according to users?
The mobile app and online banking interface are rated as functional and user-friendly, supporting core banking needs.
Are clients satisfied with transaction speed?
Transactions are generally processed within industry standard times with no notable delays reported.
Do users recommend this service?
Community users tend to recommend Sparekassen Balling due to its local knowledge and customer care.
How do experts assess the service's reliability?
Experts view it as a stable, conventional Danish savings bank with conservative financial management.
Are there industry awards and recognitions?
No major industry awards publicly associated with Sparekassen Balling.
Does the service participate in payment system rankings?
No known participation in international payment system rankings.
Are there recommendations from financial regulators?
Regulated under Danish law, no distinct public endorsements but maintained compliance status.
What reputation does the service have among partners?
Recognized as trustworthy and community-focused by local partners and stakeholders.
How do they evaluate solution innovation?
Moderate innovation with recent digital banking app provision and integration but no leading fintech reputation.
Are there quality service certificates?
Standard banking operational certifications per Danish and EU banking rules.
Does the company participate in industry conferences?
No specific information on participation in industry conferences.
How does the service position itself in the market?
Positioned as a strong local savings bank focused on community, stability, and personalized customer service.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK), with support for standard European currencies for international payments.
Are cryptocurrencies supported? Which ones specifically?
No support for cryptocurrency services.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion available mainly for international transfers according to bank foreign exchange routines.
What exchange rates are used for conversion?
Exchange rates follow market rates set by bank partners and foreign exchange providers, updated regularly.
How often are exchange rates updated?
Typically daily or multiple times per business day aligned with market standard.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Limited to major currencies; exotic currency support is typically not available at local savings banks.
Are there currency restrictions in different countries?
Transactions abide by Denmark and international currency control regulations.
What types of transfers does the service support?
Domestic bank transfers, SEPA transfers, international SWIFT payments.
Can transfers be made between service users?
Yes, transfers between Sparekassen Balling account holders are supported.
Are transfers to bank cards supported?
No documented information on direct transfer to bank cards.
Can money be transferred to bank accounts?
Yes, transfers to other Danish and international bank accounts are supported.
Is bill payment available?
Yes, bill payment services are supported via online and mobile banking.
Are recurring payments supported?
Recurring payment setups are generally supported in standard banking services.
Can automatic transfers be set up?
Automatic scheduled transfers can usually be configured.
Is payment scheduling available?
Payment scheduling features are included in online banking.
Are group payments supported?
No specific information on group payment features.
Can payment links be created?
No verified information regarding payment link creation.
What are the minimum transaction amounts in the service?
Minimum amounts vary by transaction type and regulatory guidelines; often low or no minimum for domestic payments.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on account type, verification level, and regulatory limits.
Are there daily limits on operations?
Daily operational limits exist to comply with security and regulatory standards.
What monthly and annual limits are in effect?
Monthly and annual limits vary by account type and verification status.
Can limits be increased? How?
Limits may be increased upon successful verification and client request following bank procedures.
Do limits differ for verified users?
Verified users typically have higher transaction limits than unverified or basic accounts.
Are there restrictions for new accounts?
New accounts have initial restrictions to mitigate risk, such as transaction limits and verification requirements.
Do special limits apply in different countries?
Limits are mainly based on Danish regulation; cross-border transfers may have additional constraints.
Can operations be temporarily blocked?
Yes, for suspicious activity, compliance reasons, or upon customer request.
Are there limits on the number of daily operations?
Number of daily operations may be capped based on account type and regulatory policy.
What are the minimum amounts for account funding?
Minimum funding amounts depend on the funding method and account terms.
What methods of funding are supported?
Account funding methods include bank transfers, possibly card deposits, and checks.
Are there fees for funding?
Funding fees depend on method; domestic transfers usually free, card deposits may incur charges.
What are the minimum funding amounts?
Specific minimum fund amounts vary by channel and account type.
How quickly are funds credited when funding?
Domestic bank transfers generally credited within same or next business day.
How can money be withdrawn from the system?
Withdrawals via branch cash withdrawals, bank transfers, or card withdrawals.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on the method and account conditions.
How long does withdrawal take?
Withdrawals usually take 1 to 3 business days depending on method.
What withdrawal limits are set?
Withdrawal limits depend on account profile and regulatory compliance.
How quickly are funds credited when funding with a card?
Card funding credit speed varies; often instant or within one business day.
How long does a bank transfer take?
Domestic transfers typically 1 day; SEPA transfers up to 1-2 business days; international longer.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported; no transfer times.
Are transfers between users instant?
Internal transfers between Sparekassen Balling customers generally process instantly or within minutes.
Are there delays when funding on weekends?
Funding processes may be delayed on weekends due to banking operational hours.
Do holidays affect funding speed?
Processing times are affected by national and bank holidays.
Can crediting be accelerated for a fee?
Some banks offer express services for fees; no specific info for Sparekassen Balling.
What determines the speed of funding processing?
Processing speed depends on funding method, banking hours, intermediaries, and regulatory checks.
Are there notifications about funding status?
Customers typically receive notifications via app or email about funding status.
What to do if funding takes too long?
Contact customer support directly to investigate delayed credits.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within usual banking hours, often up to one business day.
How long does card withdrawal take?
Card withdrawal processing time varies with card network and issuer, generally 1-3 business days.
How quickly do bank transfers arrive?
Bank transfers arrive within 1-2 business days domestically and SEPA.
Are cryptocurrency withdrawals instant?
Not applicable as cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Withdrawals are delayed by bank holidays.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services are sometimes available for fees but no confirmed info here.
What determines withdrawal processing time?
Factors include method, account verification, bank cut-off times, and regulatory checks.
Are there notifications about withdrawal status?
Withdrawal status updates are typically sent via mobile app or email alerts.
Can a withdrawal request be canceled?
Cancellation possible only before processing initiation; depends on bank policies.
How to register with the payment service?
Registration is done online or at branch; customers provide personal data and create user credentials.
What data is needed to create an account?
Personal identification, address, contact info, tax identification, and verification documents are needed.
Can registration be done without email?
Email is usually required for communication and registration confirmation.
Is phone confirmation required during registration?
Phone number verification is commonly required for security.
Are there age restrictions for registration?
Minimum age requirement is typically 18 years or legal age in Denmark.
Can a corporate account be created?
Yes, corporate/business accounts can be created with additional documentation.
Is it required to provide real data?
Real data and valid documentation are legally required to comply with AML and KYC.
Are there country restrictions for registration?
Mainly residents of Denmark or those meeting bank policies can register.
How long does account activation take?
Account activation generally takes a few business days following document verification.
What verification levels exist?
Basic and enhanced verification tiers based on AML and KYC requirements.
What documents are required for basic verification?
Valid ID (passport or national ID), proof of address, and tax number.
Are documents needed for full verification?
Additional documentation for higher limits or corporate accounts may be required.
Are digital copies of documents accepted?
Yes, digital submission of documents is typically accepted through secure channels.
How long does the verification procedure take?
Verification can take from 1 to several business days.
Can the service be used without verification?
Limited functionalities are available without verification; full access requires verification.
What restrictions apply to unverified users?
Lower transaction limits and restricted product access apply.
Is address confirmation required?
Proof of address is required for identity verification.
Is a selfie with documents required?
Often photo verification/selfie with ID is required for stronger identity validation.
How often do documents need to be updated?
Documents may need to be updated every 1-3 years or upon changes in status.
What encryption technologies does the service use?
Standard banking encryption protocols such as TLS/SSL are used for data transmission security.
Is two-factor authentication supported?
2FA is typically supported for login and transaction approvals.
Are there SMS confirmations for operations?
SMS confirmations are commonly used for transaction security.
Is biometric authentication supported?
Biometric login via mobile app (Face ID, Touch ID) is usually supported.
Is blockchain technology used?
No public information indicates blockchain usage in their payments system.
Is there a multi-level security system?
Multi-layered security architecture with encryption, 2FA, and monitoring is standard.
How is user personal data protected?
Personal data is protected under GDPR and Danish data protection laws with strict privacy controls.
Is cold storage used for cryptocurrencies?
Not applicable as cryptocurrencies are not supported.
Is there DDoS attack protection?
Banks typically use DDoS protection systems, though no specific mention for Sparekassen Balling.
Are regular security audits conducted?
Banks conduct regular security audits as part of compliance and risk management.
What anti-phishing protection measures are provided?
Education, secure login, and monitoring tools are commonly deployed.
Is there a suspicious activity detection system?
Fraud detection and transaction monitoring systems are implemented to detect fraud.
How does the service combat money laundering?
Through KYC, transaction monitoring, reporting suspicious activity to authorities.
Is there blocking of suspicious accounts?
Suspicious accounts can be frozen or blocked pending investigation.
What to do when fraud is detected?
Contact the bank immediately; banks provide support to mitigate fraud impact.
How to report suspicious activity?
Customers report through customer service or dedicated fraud hotlines.
Is there compensation for damage from fraudsters?
Compensation policies depend on the case and bank liability laws.
What user rights exist for disputed transactions?
Users can dispute transactions under Danish and EU consumer protection laws.
How to dispute account blocking?
Disputes are handled by customer service and compliance departments, often requiring documented appeal.
Is there insurance against cyber attacks?
While no specific public insurance info available, banks commonly carry cyber insurance.
What fees does the service charge for transfers?
Fees depend on transfer type; domestic SEPA transfers often low or free; international transfers may have fees.
Are there fees for account funding?
Most domestic transfers are free; some incoming international transfers may have fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; some ATM or card withdrawals may incur costs.
Are there fees for currency conversion?
Currency conversion fees apply, usually a percentage margin on FX rate.
Are there fees for account inactivity?
Inactivity fees are generally not charged for standard retail bank accounts.
Are there account maintenance fees?
Fees may apply to specific account types or services, though typical savings accounts have low or no fees.
Are fees charged for operation cancellation?
Most banks do not charge for cancellation before execution; specifics vary.
Are there fees for expedited operations?
Some expedited payment or transfers may have additional fees.
Are there hidden fees?
Banks are required to disclose fees clearly; hidden fees usually prohibited under Danish regulation.
How are fees calculated for large amounts?
Fees may be fixed, tiered, or percentage-based, scaling with transaction size.
Are there different tariff plans in the service?
Different account types and plans with variable fees and features exist.
What advantages does VIP status provide?
VIP clients often have personalized service, higher limits, and exclusive offers.
How to get preferential conditions?
By meeting account balance, transaction volume, or relationship criteria.
Are there free operations per month?
Some accounts provide limited free transactions monthly.
Are there discounts for active users?
Discounts may apply for high-volume or loyal customers.
Are there corporate tariffs?
Business accounts have tailored pricing and features.
Can individual conditions be obtained?
Individual pricing agreements can be negotiated for large clients.
Do promotional codes work for fee reduction?
No evidence of promotional fee codes.
Are there cashback programs?
No publicly noted cashback programs.
Are there discounts for transaction volumes?
Volume discounts are common in business banking.
Is there an official mobile application?
Yes, "Mobilbank Sparekassen Balling" app is available.
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, payments, card management, balance checks, currency conversion.
Does functionality differ from the web version?
Mobile app focuses on essential banking functions; full service usually via web banking.
Is Touch ID/Face ID supported?
Biometric authentication such as Face ID/Touch ID is supported on mobile app.
Can the application work offline?
Limited functionality offline; mainly online for transactions and updates.
Are there push notifications about operations?
Push notifications are available for banking alerts and operations.
Is dark theme supported?
No explicit information on dark mode support.
How often is the mobile application updated?
Regular updates to improve stability and features, typically every few months.
Are there beta versions of the application?
No verified beta testing program publicly offered.
Is the web interface of the service convenient?
The web platform is designed to be user-friendly and accessible.
Is responsive design supported?
Yes, the online banking site supports responsive design for mobile use.
In which languages is the interface available?
Danish and English languages available.
Is there a night mode for the website?
No confirmed information on night mode for website.
Are hotkeys supported?
No information on hotkey support.
Can data be exported?
Account data export is typically supported in standard formats like CSV.
Is there an API for developers?
No public information on developer APIs.
Is integration with other services supported?
Banking services often support integrations with third-party accounting software.
How often is the web interface updated?
Updates occur periodically aligned with security and feature needs.
Are there virtual cards in the service?
No specific info on virtual card issuance.
Can disposable cards be created?
No public data on disposable card options.
Is multi-currency account functionality supported?
Basic multi-currency handling for payments but no full multi-currency accounts.
Are there investment products?
Yes, the bank offers investment advisory and products.
Can interest be earned on balance?
Interest on deposits is available as per account terms.
Are there credit products?
Consumer loans, mortgages, and business loans are offered.
Is P2P trading supported?
No P2P trading platform is provided.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange or trading offered.
Is there acquiring for business?
No specific acquiring service info; likely handled by third parties.
Are mass payouts supported?
No public information on mass payout service.
Is there a loyalty program in the service?
No publicly noted loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Not indicated.
Are there referral programs?
No confirmed referral reward programs.
What privileges do VIP clients have?
VIP clients may receive personalized service and preferential terms.
Are there seasonal promotions and offers?
Occasionally seasonal customer offers but no detailed public info.
Can premium status be obtained?
Premium accounts or status may be obtained through banking relationship growth.
Are there partner discounts?
Not publicly detailed.
Are there corporate loyalty programs?
No specific corporate loyalty programs identified.
Does the service allow operations with online casinos?
No verified information supporting casino transactions.
Are there restrictions on gambling transactions?
Many banks restrict or monitor gambling-related transactions.
Can accounts be blocked for casino play?
Banks commonly reserve the right to block accounts linked to prohibited activities including gambling.
How does the service view gambling?
Gambling transactions are usually regulated; the bank follows legal requirements.
Are there special conditions for gambling?
Conditions vary by country laws and bank policies.
Are casino transactions tracked?
Transaction monitoring likely includes gambling-related transactions for compliance.
Can operations with gambling sites be hidden?
Transaction privacy is limited; transparency required by regulatory law.
Are there notifications about gambling expenses?
Not specifically provided.
Are there special fees for gambling operations?
Not publicly revealed.
Can limits be set on gambling?
Not commonly provided by banks directly.
Is there a self-exclusion function?
Not confirmed through the bank directly; normally gambling sites provide this.
Can access to gambling sites be restricted?
This is typically outside the bank's scope.
Is gambling expense control supported?
No specific tools available.
Are there notifications about limit exceedance?
Not indicated.
Can operations with casinos be blocked?
Banks can block suspicious transactions including casino-related ones under compliance.
Is a "cooling-off period" supported?
Not a bank feature.
Can help be obtained for gambling addiction?
Not provided directly by the bank.
Is there partnership with player assistance organizations?
Not indicated.
How to set up gambling expense notifications?
Not supported.
Which online casinos accept this payment method?
Not applicable.
Are there exclusive partnerships with specific casinos?
Not applicable.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
Not applicable.
Can the method be used for both deposits and withdrawals in casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Not applicable.
How do casino operators typically process transactions from this method?
Not applicable.
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 applicable.