What is the official website of the payment service?
https://www.spard.dk
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Where can I find the customer support contacts?
Customer support contact details can be found on the Sparekassen Danmark website contact page at https://www.spard.dk/kontakt.
What is the hotline phone number?
The main customer service phone number for Sparekassen Danmark, which now includes Sparekassen Himmerland services, is +45 82 22 99 90.
Is there a toll-free support number?
There is no verified information on a toll-free number specific for Sparekassen Himmerland; typically Danish banks do not provide toll-free lines but use local or standard-rate numbers.
What is the email address for technical support?
No specific technical support email for Sparekassen Himmerland is publicly listed; general inquiries for Sparekassen Danmark can be sent to [email protected] which may cover technical matters or be routed internally.
Are there separate emails for different types of inquiries?
While no detailed separate departmental emails are publicly listed, Danish banks commonly maintain dedicated email contacts for areas like loans, mortgages, and business services available through the main website contact section.
Where can I find the online chat support?
Online chat support availability is commonly offered on the official website https://www.spard.dk, usually accessible during business hours.
Does the chat support work 24/7?
There is no verified information that Sparekassen Himmerland or Sparekassen Danmark offers 24/7 chat support; typically, chat support is available during normal business hours only.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support through messaging apps such as Telegram or WhatsApp for Sparekassen Himmerland.
What are the support working hours?
Customer support working hours for Sparekassen Danmark are Monday to Friday, 08:00 to 20:00, and weekends from 08:00 to 18:00 (excluding bank holidays).
Does support work on weekends and holidays?
Support is available on Saturdays and Sundays according to the above hours but not on official bank holidays.
Are there regional offices for in-person visits?
Yes, Sparekassen Danmark maintains regional branch offices including those that cover the historic Sparekassen Himmerland areas.
Where are the physical offices located?
Physical offices for the former Sparekassen Himmerland are at addresses like Østergade 8, 9510 Arden, Denmark, plus additional locations within Jutland region branches under Sparekassen Danmark.
Can I schedule a personal meeting?
Yes, personal meetings can be scheduled via the website or by contacting local branch offices for financial advice and services.
Are there representatives in different countries?
Sparekassen Himmerland as a regional Danish bank does not have international representative offices; operations are localized to Denmark.
In which languages is support available?
Support is primarily available in Danish, considering the bank’s regional Danish market focus; English may be offered for some services or online materials.
How quickly does support respond to requests?
Typical response times on phone or email inquiries in Danish banking range from same day to a few business days depending on complexity; no service-specific data is confirmed.
Is there a priority system for VIP clients?
There is no specific public information about VIP client priority systems at Sparekassen Himmerland or Sparekassen Danmark.
Can I request a callback?
Callback services are commonly offered in Danish banks, typically requested via phone or online banking channels.
When was the payment service founded?
Sparekassen Himmerland was founded in 1871 and operated until it merged into Jutlander Bank in 2014 and further into Sparekassen Danmark in 2021.
Who is the founder and owner of the service?
The exact founder individual isn't publicly listed; Sparekassen Himmerland was a local savings bank owned collectively by guarantor customers before merger transitions.
In which country is the company registered?
The company is registered in Denmark and operates under Danish banking regulations.
What is the development history of the payment service?
Founded in 1871 as a local savings bank, Sparekassen Himmerland expanded with branches in Jutland until its 2014 merger with Sparekassen Hobro forming Jutlander Bank, eventually merging with Sparekassen Vendsyssel in 2021 becoming Sparekassen Danmark.
Have there been major updates or rebranding?
Major rebranding occurred in 2014 merging into Jutlander Bank and again in 2021 when Jutlander Bank merged into Sparekassen Danmark.
Who sits on the company's board of directors?
Specific current board information is not publicly available for Sparekassen Himmerland post-merger; Sparekassen Danmark’s board details are accessible on their corporate site.
Are there investors or partners in the service?
The former savings bank was owned by guarantors and had partnerships typical to retail banks; currently, as part of Sparekassen Danmark, it operates under that consolidated structure.
Does the company participate in stock trading?
Sparekassen Himmerland was previously a listed entity prior to consolidation but as Sparekassen Danmark it is not publicly listed.
What is the company's market capitalization?
Market capitalization information is not applicable as Sparekassen Danmark is not a publicly traded company.
Are there subsidiary companies or branches?
Sparekassen Danmark has multiple regional branches including former Sparekassen Himmerland locations.
What licenses does the payment service have?
The bank is licensed under Danish financial authority regulations as a deposit-taking credit institution.
In which jurisdictions does the service operate officially?
Official operations are centralized in Denmark.
Are there licenses for cryptocurrency operations?
There is no public information about cryptocurrency-specific licenses for Sparekassen Himmerland or Sparekassen Danmark.
Does the service comply with AML/KYC requirements?
Yes, all licensed Danish banks including this entity comply fully with anti-money laundering and know your customer regulations.
Are there security certificates (PCI DSS, etc.)?
Commonly Danish banks comply with PCI DSS and similar standards, though specific certification for Sparekassen Himmerland is not publicly detailed.
Has the service undergone security audits?
Regular security audits are industry-standard for licensed banks; no specific audit reports are publicly available.
Is there insurance for client funds?
Deposits are protected under the Danish Guarantee Fund (indskydergaranti), typically covering up to 100,000 EUR per depositor.
Which international standards does it comply with?
Complies with EU and Danish banking regulations including PSD2 and GDPR.
Have there been any regulatory fines or violations?
There are no publicly disclosed regulatory fines or violations for Sparekassen Himmerland or its successor entities.
Where can I find real reviews about the service?
Real user reviews can be found on Danish business review sites such as Trustpilot, local banking forums, and the consumer protection sites.
What are the main user complaints?
Common complaints in regional banks may include digital service issues, wait times, or branch accessibility, though no specific patterns publicly listed.
What do users most often praise the service for?
Users typically praise local customer service, personal advice, and community-oriented banking approach.
Are there issues with fund withdrawals?
There are no widespread reported issues with fund withdrawals specific to Sparekassen Himmerland.
Is the interface convenient according to users?
No verified extensive user interface reviews are public, but the combined Sparekassen Danmark platform is considered user-friendly.
Are clients satisfied with transaction speed?
Transaction speeds generally meet typical banking standards for domestic payments.
Do users recommend this service?
Regional customers generally recommend Sparekassen Danmark services for local banking needs.
How do experts assess the service's reliability?
Experts consider the merged entity Sparekassen Danmark a stable, well-regulated institution with reliable payment services.
Are there industry awards and recognitions?
No specific awards publicly recorded for Sparekassen Himmerland.
Does the service participate in payment system rankings?
Participation in Danish banking rankings is typical but Sparekassen Himmerland specific ranking info is unavailable.
Are there recommendations from financial regulators?
The Danish Financial Supervisory Authority approves and regulates the institution under standard conditions.
What reputation does the service have among partners?
The bank has a positive local reputation among regional business partners and customers.
How do they evaluate solution innovation?
Innovation is often balanced with traditional customer service focus typical of regional savings banks.
Are there quality service certificates?
Quality standards align with Danish banking regulatory compliance; specific certifications are not public.
Does the company participate in industry conferences?
There is no verified information on regular participation in industry conferences by Sparekassen Himmerland.
How does the service position itself in the market?
It historically positioned itself as a strong local savings bank focusing on community and personalized service.
Which fiat currencies does the service support?
Primary support is for Danish Krone (DKK); euro (EUR) is supported for SEPA payments.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported for transactions or accounts.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists.
Can currencies be converted within the service?
Currency conversion for international payments is available according to banking norms.
What exchange rates are used for conversion?
Exchange rates typically follow interbank rates plus a margin defined by the bank.
How often are exchange rates updated?
Rates are updated daily or in real-time based on market conditions.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic currency handling is limited; focus is on common currencies for business.
Are there currency restrictions in different countries?
Geographic and regulatory currency restrictions comply with Danish and EU rules.
What types of transfers does the service support?
The bank supports domestic interbank transfers, SEPA payments, and international SWIFT transfers.
Can transfers be made between service users?
Transfers between accounts within the bank are supported.
Are transfers to bank cards supported?
Transfers directly to bank cards are not typically supported; transfers to accounts are standard.
Can money be transferred to bank accounts?
Bank account transfers domestically and internationally are supported.
Is bill payment available?
Bill payment services are provided through web and mobile banking.
Are recurring payments supported?
Recurring payment setup is available for regular billing.
Can automatic transfers be set up?
Automatic scheduled transfers can be configured in online banking.
Is payment scheduling available?
Payment scheduling features are available.
Are group payments supported?
Group payment features are not generally standard but can be arranged through business solutions.
Can payment links be created?
Payment link generation is not standard in typical regional bank offerings.
What are the minimum transaction amounts in the service?
Minimum amounts depend on the payment type but typically very low or zero for electronic transfers.
What are the maximum amounts that can be transferred?
Maximum amounts follow regulatory and account limits, often adjustable based on verification.
Are there daily limits on operations?
Daily transaction limits are set for security and regulatory compliance.
What monthly and annual limits are in effect?
Monthly/annual limits depend on customer type and account agreement.
Can limits be increased? How?
Limits can be increased by verification and contacting customer service.
Do limits differ for verified users?
Verified users typically receive higher limits.
Are there restrictions for new accounts?
New accounts have initial restrictions until verified.
Do special limits apply in different countries?
Limits align with Danish regulatory jurisdiction.
Can operations be temporarily blocked?
Temporary blocking is possible due to fraud suspicion or for customer requests.
Are there limits on the number of daily operations?
Daily operation counts are limited for security reasons.
What are the minimum amounts for account funding?
Minimum funding may vary by method; no fixed universal minimum.
What methods of funding are supported?
Funding via bank transfer, cash deposit at branches, and card payments may be supported.
Are there fees for funding?
Fees for funding depend on method and local tariffs.
What are the minimum funding amounts?
Minimum amounts often start at minimal levels for retail customers.
How quickly are funds credited when funding?
Funds are credited immediately for card deposits, next-day for bank transfers.
How can money be withdrawn from the system?
Withdrawals via ATM, branch cash withdrawal, bank transfer, or card refund.
Are there fees for fund withdrawal?
Withdrawal fees depend on the method and account terms.
How long does withdrawal take?
Withdrawal times range from immediate (cash/ATM) to 1-3 business days (bank transfer).
What withdrawal limits are set?
Limits are set per transaction type and account level.
How quickly are funds credited when funding with a card?
Card funding is typically instantaneous or within minutes.
How long does a bank transfer take?
Domestic bank transfers usually take same or next business day; international may take 2-4 days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported for transfer.
Are transfers between users instant?
Internal transfers within the bank are instant.
Are there delays when funding on weekends?
Funding via banking channels may be delayed on weekends.
Do holidays affect funding speed?
Holidays can delay processing times.
Can crediting be accelerated for a fee?
Express funding options may be available for additional fees.
What determines the speed of funding processing?
Speed depends on payment method, bank processing times, and cut-off times.
Are there notifications about funding status?
Customers typically receive status notifications via app or email.
What to do if funding takes too long?
Contact customer service for assistance; banks investigate delays promptly.
How quickly are withdrawal requests processed?
Withdrawal requests usually processed within 1 business day.
How long does card withdrawal take?
Card withdrawal typically immediate at ATM.
How quickly do bank transfers arrive?
Bank transfers usually arrive within 1 business day domestically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Possible delays on weekends.
Do holidays affect withdrawal speed?
Yes, holidays can delay processing.
Can withdrawal be accelerated for an additional fee?
Some express options may be available.
What determines withdrawal processing time?
Bank policies, transfer method, and verification impact speed.
Are there notifications about withdrawal status?
Notification systems usually inform customers of withdrawal status.
Can a withdrawal request be canceled?
Cancellation possible if processed before execution.
How to register with the payment service?
Registration requires visiting branch or online application with identity verification.
What data is needed to create an account?
Personal identity, contact info, address, and sometimes income details.
Can registration be done without email?
Email is generally required, but branch registration may allow alternatives.
Is phone confirmation required during registration?
Phone verification commonly required.
Are there age restrictions for registration?
Minimum age is 18 years.
Can a corporate account be created?
Yes, corporate accounts are supported.
Is it required to provide real data?
Real and verified personal data is mandatory for compliance.
Are there country restrictions for registration?
Only residents of Denmark or approved jurisdictions can register.
How long does account activation take?
Activation typically 1-3 business days after verification.
What verification levels exist?
Basic and enhanced verification depending on services used.
What documents are required for basic verification?
ID card, passport, or driver’s license.
Are documents needed for full verification?
Yes, additional proof of address and income may be requested.
Are digital copies of documents accepted?
Yes, scanned copies are standard.
How long does the verification procedure take?
Usually 1-3 business days.
Can the service be used without verification?
Limited functionality until verification.
What restrictions apply to unverified users?
Lower limits and restricted transaction types.
Is address confirmation required?
Yes, proof of address is typically required.
Is a selfie with documents required?
Sometimes required for enhanced verification.
How often do documents need to be updated?
Usually every few years or upon request.
What encryption technologies does the service use?
Standard banking-grade encryption such as TLS/SSL.
Is two-factor authentication supported?
Yes, 2FA is supported and recommended.
Are there SMS confirmations for operations?
SMS verification is commonly used.
Is biometric authentication supported?
Biometric login supported in mobile app where available.
Is blockchain technology used?
No public indication blockchain is used for payments.
Is there a multi-level security system?
Yes, including encryption, firewalls, fraud detection.
How is user personal data protected?
Data protection complies with GDPR and Danish data laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks implement DDoS mitigation for their online services.
Are regular security audits conducted?
Yes, security audits are regularly performed.
What anti-phishing protection measures are provided?
Anti-phishing education and email protections are provided.
Is there a suspicious activity detection system?
Fraud detection systems monitor transactions.
How does the service combat money laundering?
AML controls, reporting and KYC procedures.
Is there blocking of suspicious accounts?
Yes, suspicious accounts are blocked pending investigation.
What to do when fraud is detected?
Report to bank immediately; bank initiates investigation.
How to report suspicious activity?
Via customer service channels and secure messaging.
Is there compensation for damage from fraudsters?
Banks have policies to compensate verified fraud victims.
What user rights exist for disputed transactions?
Users have rights to dispute under Danish and EU payment laws.
How to dispute account blocking?
Contact customer service and submit required documentation.
Is there insurance against cyber attacks?
Cyber insurance is commonly held by banks.
What fees does the service charge for transfers?
Fees vary by transfer type; domestic transfers often free, international have fees.
Are there fees for account funding?
Generally no fees for standard deposits.
Are fees charged for fund withdrawal?
Fees may apply depending on method.
Are there fees for currency conversion?
Conversion fees typically applied.
Are there fees for account inactivity?
Possible dormancy fees may apply.
Are there account maintenance fees?
Account fees vary by account type.
Are fees charged for operation cancellation?
Cancellation fees may apply in some cases.
Are there fees for expedited operations?
Express service fees may apply.
Are there hidden fees?
Danish banks disclose fees transparently as per regulations.
How are fees calculated for large amounts?
Fees may be tiered or percentage based.
Are there different tariff plans in the service?
Different plans usually available for retail and business customers.
What advantages does VIP status provide?
VIP status may offer priority service and better rates.
How to get preferential conditions?
Through high balances or volume business relationships.
Are there free operations per month?
Some free transfers may be included in account packages.
Are there discounts for active users?
Discounts may be offered for high activity.
Are there corporate tariffs?
Corporate accounts have distinct tariffs.
Can individual conditions be obtained?
Custom conditions sometimes negotiated.
Do promotional codes work for fee reduction?
No public info on promotional fee codes.
Are there cashback programs?
Cashback programs are uncommon in Danish banks.
Are there discounts for transaction volumes?
Volume discounts can apply for businesses.
Is there an official mobile application?
Sparekassen Danmark offers an official mobile app.
On which platforms is the application available?
The app is available on iOS and Android.
What functions are available in the mobile application?
Mobile banking, payments, account management, alerts, and support features.
Does functionality differ from the web version?
Mobile app focuses more on essential functions with simplified UI.
Is Touch ID/Face ID supported?
Yes, biometric access is supported in mobile apps.
Can the application work offline?
Only limited offline functions; online required for transactions.
Are there push notifications about operations?
Yes, push notifications are available and configurable.
Is dark theme supported?
Dark mode support depends on the app version.
How often is the mobile application updated?
Updates typically every few weeks to months.
Are there beta versions of the application?
No public info about beta programs.
Is the web interface of the service convenient?
The website is designed for usability with clear navigation.
Is responsive design supported?
The web interface supports mobile responsiveness.
In which languages is the interface available?
Primarily Danish; some English may be available.
Is there a night mode for the website?
Night mode availability is not confirmed.
Are hotkeys supported?
No confirmed hotkey support.
Can data be exported?
Data export may be available for statements.
Is there an API for developers?
No public API for external developers is available.
Is integration with other services supported?
Typical banking integrations apply, e.g., payment schemes and accounting.
How often is the web interface updated?
Updates are periodic, based on business needs.
Are there virtual cards in the service?
No public info about virtual card offerings.
Can disposable cards be created?
Not supported.
Is multi-currency account functionality supported?
Multi-currency accounts are not generally offered to retail customers.
Are there investment products?
Investment and pension products are available through Sparekassen Danmark.
Can interest be earned on balance?
Interest earning on deposits depends on account terms.
Are there credit products?
Loans, mortgage, and credit services are offered.
Is P2P trading supported?
No peer-to-peer trading services.
Can cryptocurrencies be bought/sold?
No crypto exchange offered.
Is there acquiring for business?
Merchant acquiring services are offered to businesses.
Are mass payouts supported?
Bulk payments are typically supported for corporate customers.
Is there a loyalty program in the service?
No specific loyalty program reported.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Not reported.
Are there referral programs?
Referral programs are uncommon.
What privileges do VIP clients have?
VIP clients receive personalized advisory and possibly preferential pricing.
Are there seasonal promotions and offers?
Promotions may be limited to banking products.
Can premium status be obtained?
Premium account status offered based on client profile.
Are there partner discounts?
Partner discounts are not publicly listed.
Are there corporate loyalty programs?
Corporate loyalty is addressed via business services and lending benefits.
Does the service allow operations with online casinos?
Transactions with gambling sites may be restricted by policy or regulation.
Are there restrictions on gambling transactions?
Gambling-related transactions are monitored and may have restrictions.
Can accounts be blocked for casino play?
Account blocking can happen if suspicious gambling activity is detected.
How does the service view gambling?
Gambling is approached cautiously under regulatory frameworks.
Are there special conditions for gambling?
No specific disclosed special conditions.
Are casino transactions tracked?
Yes, financial institutions monitor such transactions for compliance.
Can operations with gambling sites be hidden?
No; transactions must follow transparency regulations.
Are there notifications about gambling expenses?
Customers may use their own controls via alerts.
Are there special fees for gambling operations?
Fees are as per normal transaction charges.
Can limits be set on gambling?
Spending limits can be set by customers or banks under responsible banking policies.
Is there a self-exclusion function?
Responsible banking measures include self-exclusion tools handled by the bank or via external frameworks.
Can access to gambling sites be restricted?
Banks may implement blocking based on regulation or customer request.
Is gambling expense control supported?
Supported through alerts and spending controls.
Are there notifications about limit exceedance?
Alerts for limit exceedance are standard banking features.
Can operations with casinos be blocked?
Yes, blocks can be applied.
Is a "cooling-off period" supported?
Not publicly mentioned.
Can help be obtained for gambling addiction?
Referral to external assistance programs is standard practice.
Is there partnership with player assistance organizations?
Banks cooperate indirectly through regulatory frameworks.
How to set up gambling expense notifications?
Customers can set alerts for transactions via online banking.
Which online casinos accept this payment method?
Specific lists are not published; acceptance depends on casino policies.
Do conditions differ when used in different casinos?
No known variations.
Can the method be used for both deposits and withdrawals in casinos?
Deposits usually possible; withdrawals depend on casino and bank policies.
Are there geographic restrictions for casino usage?
Yes, based on Danish and international gambling regulations.
How do casino operators typically process transactions from this method?
Via standard payment processing networks.
Are there typical processing times when used with casinos?
Same as standard bank processing times.
Do casinos usually charge additional fees for this method?
Sometimes, depending on casino policy.
Are there any known compatibility issues with major casino platforms?
No reported issues.