Where can I find the customer support contacts?
Customer support contact information is available on the official website under the "Contact" or "Customer Service" section, including email and phone details.
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What is the hotline phone number?
+45 89 12 24 00
Is there a toll-free support number?
There is no publicly listed toll-free support number; standard local phone numbers are provided for customer service.
What is the email address for technical support?
The general support email is [email protected]; specific technical support email not explicitly listed.
Are there separate emails for different types of inquiries?
Yes, for example, card misuse reports can be sent to [email protected], indicating specialized email contacts exist.
Where can I find the online chat support?
Online chat support availability is not specifically indicated on the website or in public sources.
Does the chat support work 24/7?
Chat support operating hours are not specified; likely limited to business hours based on industry norms.
Is there support through messengers (Telegram, WhatsApp)?
No public information indicates availability of support via Telegram, WhatsApp, or similar messengers.
What are the support working hours?
Specific detailed working hours are not published; typically, banking customer service in Denmark operates weekdays during normal business hours.
Does support work on weekends and holidays?
Support on weekends and holidays is generally unavailable except for automated services.
Are there regional offices for in-person visits?
Yes, Sparekassen Kronjylland has multiple branches across Eastern, Southern, and Central Jutland, including Copenhagen.
Where are the physical offices located?
Key office at Tronholmen 1, Randers SØ, DK-8960; other branches located throughout Aarhus, Copenhagen, Silkeborg, Horsens, and various other towns in Denmark.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting the branch offices; the bank offers personal financial advice.
Are there representatives in different countries?
No information on international representatives; operations are primarily focused within Denmark.
In which languages is support available?
Support is available primarily in Danish; English assistance is likely available for private and business customers.
How quickly does support respond to requests?
Response times vary; based on reviews, email and phone responses are generally timely, within 1-2 business days.
Is there a priority system for VIP clients?
No explicit VIP priority system is publicly documented.
Can I request a callback?
Callback service is generally available via customer service contact channels.
When was the payment service founded?
Sparekassen Kronjylland was established in 1999.
Who is the founder and owner of the service?
Specific founder information is not disclosed; it is a savings bank owned by its guarantors, operating without external shareholders.
In which country is the company registered?
Registered in Denmark.
What is the development history of the payment service?
Since 1999, it has grown to be one of Denmark's ten largest financial institutions with extensive branch presence and diverse financial services.
Have there been major updates or rebranding?
No public record of significant rebranding; the institution maintains a consistent brand focused on personalized customer service.
Who sits on the company's board of directors?
Detailed current board members are not publicly listed.
Are there investors or partners in the service?
Operates as a guarantor savings bank without traditional outside investors; strategic partnerships include local community support and financial service collaborations.
Does the company participate in stock trading?
It is not publicly traded; operates as a mutual savings bank.
What is the company's market capitalization?
Not applicable, as the bank is not listed on any stock exchange.
Are there subsidiary companies or branches?
The bank has branches throughout Denmark, mainly in Jutland and Copenhagen, but no widely reported subsidiaries.
What licenses does the payment service have?
Licensed and supervised by the Danish Financial Supervisory Authority (Finanstilsynet) under reference number 9335.
In which jurisdictions does the service operate officially?
Officially operates within Denmark.
Are there licenses for cryptocurrency operations?
No public information indicates possession of cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, it adheres to Danish and EU AML and KYC regulations as a licensed bank.
Are there security certificates (PCI DSS, etc.)?
Specific certificates like PCI DSS are not publicly listed; compliance with industry standards is assumed for banking services.
Has the service undergone security audits?
Undergoes regular audits as part of regulatory requirements, including audits by EY Denmark.
Is there insurance for client funds?
Deposits are protected under the Danish Guarantee Fund for Depositors and Investors.
Which international standards does it comply with?
Complies with EU banking regulations, GDPR for data protection, and Danish financial regulatory standards.
Have there been any regulatory fines or violations?
No publicly reported regulatory fines or violations.
Where can I find real reviews about the service?
Trustpilot, Yelp, and other independent review platforms.
What are the main user complaints?
Some complaints relate to delays in business account opening and occasional slow transaction processing.
What do users most often praise the service for?
Personalized customer service, professionalism, and helpful financial advice.
Are there issues with fund withdrawals?
No significant public reports of withdrawal problems.
Is the interface convenient according to users?
The web and mobile banking interfaces are considered user-friendly, with some users requesting faster synchronization.
Are clients satisfied with transaction speed?
Mostly satisfactory, though some mention improvement areas.
Do users recommend this service?
Yes, most customers recommend the service to others.
How do experts assess the service's reliability?
Experts recognize the bank as stable and secure with solid local market presence.
Are there industry awards and recognitions?
Specific awards are not publicly highlighted.
Does the service participate in payment system rankings?
No information on participation in global payment system rankings.
Are there recommendations from financial regulators?
The bank is recommended and supervised by the Danish FSA.
What reputation does the service have among partners?
Positive reputation for trustworthiness and community engagement.
How do they evaluate solution innovation?
Recognized for adopting contemporary platforms to enhance personalized customer communication.
Are there quality service certificates?
No specific public certifications mentioned, standard banking operational certifications are assumed.
Does the company participate in industry conferences?
No public detailed records of conference participation.
How does the service position itself in the market?
Positioned as a regional bank focused on personalized service and community involvement without shareholder pressure.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK); supports SEPA transfers in Euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
No direct wallet or cryptocurrency trading services; provides informational content on cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No proprietary tokens.
Can currencies be converted within the service?
Currency conversion available for cross-border and SEPA transactions.
What exchange rates are used for conversion?
Exchange rates follow market standards, set by the bank at transaction time.
How often are exchange rates updated?
Rates are updated regularly according to market conditions.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Exotic currency support is limited; mainly focuses on DKK and EUR.
Are there currency restrictions in different countries?
Standard EU and Denmark restrictions apply.
What types of transfers does the service support?
Domestic payments, SEPA transfers, international SWIFT payments.
Can transfers be made between service users?
Yes, internal transfers within the bank are supported.
Are transfers to bank cards supported?
No specific card-to-card transfer feature explicitly listed.
Can money be transferred to bank accounts?
Yes, transfers to Danish and international bank accounts are supported.
Is bill payment available?
Yes, bill payment services are available through eBanking.
Are recurring payments supported?
Recurring payments and direct debits can be set up.
Can automatic transfers be set up?
Automatic and scheduled payments are supported.
Is payment scheduling available?
Payment scheduling features are available in online banking.
Are group payments supported?
No specific public mention of group payment features.
Can payment links be created?
No public indication of payment link generation capabilities.
What are the minimum transaction amounts in the service?
Minimum amounts depend on transfer type; generally flexible for typical banking payments.
What are the maximum amounts that can be transferred?
Maximum transaction limits are set internally based on customer verification and account type.
Are there daily limits on operations?
Daily limits likely apply, common banking practice restricts according to risk and verification levels.
What monthly and annual limits are in effect?
Limits vary with account types and compliance requirements.
Can limits be increased? How?
Customers can request limit increases through verification and branch consultation.
Do limits differ for verified users?
Verified users generally have higher limits; unverified accounts have stricter limits.
Are there restrictions for new accounts?
New accounts have initial limitations for security and compliance.
Do special limits apply in different countries?
Geographic variations follow international regulatory and banking laws.
Can operations be temporarily blocked?
Yes, accounts can be suspended for suspicious activity or compliance reasons.
Are there limits on the number of daily operations?
Likely yes, aligned with anti-fraud and operational risk policies.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by account type, often very low or zero for standard accounts.
What methods of funding are supported?
Bank transfers, card payments, and from other Danish and international accounts.
Are there fees for funding?
Funding via some methods may be free; fees may apply depending on payment method.
What are the minimum funding amounts?
Generally low minimums depending on method and account.
How quickly are funds credited when funding?
Domestic transfers credited within the same banking day.
How can money be withdrawn from the system?
Withdrawals via bank transfer, card payments, or branch withdrawal.
Are there fees for fund withdrawal?
Withdrawal fees depend on method and account type; often fees for international withdrawals.
How long does withdrawal take?
Domestic withdrawals occur same or next business day; international may take longer.
What withdrawal limits are set?
Limits are based on account type and customer verification.
How quickly are funds credited when funding with a card?
Card funding is credited promptly, usually same day.
How long does a bank transfer take?
Domestic bank transfers within Denmark typically take 1 business day.
How quickly do cryptocurrency transfers arrive?
Not applicable as no direct cryptocurrency transaction services.
Are transfers between users instant?
Internal transfer between users in the bank likely immediate.
Are there delays when funding on weekends?
Bank transfers on weekends usually process next business day.
Do holidays affect funding speed?
Yes, holidays delay processing times for payments.
Can crediting be accelerated for a fee?
Express transfer options may be available with additional fees.
What determines the speed of funding processing?
Payment method, bank processing hours, intermediaries, and cut-off times.
Are there notifications about funding status?
Customers receive notifications via email or banking app.
What to do if funding takes too long?
Contact customer support to investigate delay.
How quickly are withdrawal requests processed?
Usually within 1-2 business days.
How long does card withdrawal take?
ATM cash withdrawals are immediate; card withdrawal processing depends on merchant or bank.
How quickly do bank transfers arrive?
Domestic bank transfers usually next business day.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, processing delayed until next business day.
Do holidays affect withdrawal speed?
Yes, withdrawals may be delayed on holidays.
Can withdrawal be accelerated for an additional fee?
Express withdrawal may be possible for a fee.
What determines withdrawal processing time?
Verification, payment method, and banking hours.
Are there notifications about withdrawal status?
Status updates through banking systems and notifications.
Can a withdrawal request be canceled?
Cancellation possible if withdrawal not yet processed.
How to register with the payment service?
Registration via branch visit or online application on the official website.
What data is needed to create an account?
Personal identification, proof of address, and contact information.
Can registration be done without email?
Email is typically required for communication and login.
Is phone confirmation required during registration?
Phone confirmation is generally part of verification.
Are there age restrictions for registration?
Minimum age typically 18 years.
Can a corporate account be created?
Yes, business accounts available with additional documentation.
Is it required to provide real data?
Yes, real identity information is mandatory due to KYC regulations.
Are there country restrictions for registration?
Registration is limited to residents or persons with ties to Denmark.
How long does account activation take?
Activation can take from a few hours up to several days depending on verification.
What verification levels exist?
Basic and enhanced verification depending on services used.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Additional documentation like income proof or corporate documents for business accounts.
Are digital copies of documents accepted?
Yes, documents can be submitted digitally.
How long does the verification procedure take?
Usually 1-3 business days.
Can the service be used without verification?
Functionalities are limited without verification.
What restrictions apply to unverified users?
Limitations on transaction sizes and access to certain services.
Is address confirmation required?
Yes, address verification is part of compliance.
Is a selfie with documents required?
Typically required for enhanced identification.
How often do documents need to be updated?
Periodic updates required, often every few years or on request.
What encryption technologies does the service use?
Uses industry-standard encryption protocols (e.g., TLS/SSL) for secure data transmission.
Is two-factor authentication supported?
Yes, two-factor authentication is available and recommended.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction authentication.
Is biometric authentication supported?
Biometric login available in mobile banking apps.
Is blockchain technology used?
No public information indicates blockchain usage.
Is there a multi-level security system?
Yes, includes encryption, 2FA, fraud detection, and secure login processes.
How is user personal data protected?
Complies with GDPR and implements strict data privacy safeguarding measures.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, standard protection measures against DDoS attacks are implemented.
Are regular security audits conducted?
Yes, undergoes regular internal and external security audits.
What anti-phishing protection measures are provided?
Security awareness, email and SMS alerts, and secure login procedures.
Is there a suspicious activity detection system?
Yes, employs real-time transaction monitoring and fraud detection.
How does the service combat money laundering?
Implements AML programs including KYC, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Yes, accounts may be frozen on suspicion until cleared.
What to do when fraud is detected?
Customers should contact support immediately; the bank investigates and acts accordingly.
How to report suspicious activity?
Through customer service channels including phone and email.
Is there compensation for damage from fraudsters?
Compensation policies may apply depending on the case and adherence to security guidelines.
What user rights exist for disputed transactions?
Users have rights to dispute transactions under Danish law and bank policies.
How to dispute account blocking?
Contact customer support to initiate dispute procedures.
Is there insurance against cyber attacks?
No specific public mention; bank likely has cyber risk insurance.
What fees does the service charge for transfers?
Fees vary by transfer type; SEPA transfers often free or low cost; SWIFT transfers incur fees.
Are there fees for account funding?
Usually no fees for domestic funding; international or card funding may have fees.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method and location; domestic withdrawals often free, others may incur fees.
Are there fees for currency conversion?
Currency conversion fees apply, typically a small percentage above market rate.
Are there fees for account inactivity?
No widely reported inactivity fees.
Are there account maintenance fees?
Maintenance fees depend on account type; some personal accounts may be free.
Are fees charged for operation cancellation?
Cancellation fees are uncommon but may apply depending on transaction type.
Are there fees for expedited operations?
Additional fees may apply for express transfers.
Are there hidden fees?
Fees are generally disclosed in terms and conditions; no known hidden fees.
How are fees calculated for large amounts?
Fees may increase with amount and risk, subject to internal rules.
Are there different tariff plans in the service?
Multiple account plans exist with different service bundles.
What advantages does VIP status provide?
VIP status is not explicitly detailed publicly.
How to get preferential conditions?
Preferential conditions may be offered to long-term or high-value customers.
Are there free operations per month?
Some free transactions may be included depending on account type.
Are there discounts for active users?
No specific discount programs publicly listed.
Are there corporate tariffs?
Corporate accounts have tailored pricing.
Can individual conditions be obtained?
Customized terms may be negotiated for business clients.
Do promotional codes work for fee reduction?
No public information on promo codes.
Are there cashback programs?
No general cashback programs reported.
Are there discounts for transaction volumes?
Volume-based discounts may be available for businesses.
Is there an official mobile application?
Yes, Sparekassen Kronjylland offers a mobile banking app.
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Account overview, payments, transfers, card management, and notifications.
Does functionality differ from the web version?
Mobile app focuses on core banking functions; additional advisory services available on web.
Is Touch ID/Face ID supported?
Yes, biometric login available in mobile app.
Can the application work offline?
Limited offline functionality; requires internet for transactions.
Are there push notifications about operations?
Push notifications are supported for transaction alerts.
Is dark theme supported?
Not explicitly mentioned.
How often is the mobile application updated?
Regular updates occur, approximately several times per year.
Are there beta versions of the application?
No public information on beta testing program.
Is the web interface of the service convenient?
Generally well-regarded for usability and design.
Is responsive design supported?
Yes, the website supports responsive design.
In which languages is the interface available?
Danish primarily; partial English support for private and business customers.
Is there a night mode for the website?
No clear information on night mode.
Are hotkeys supported?
No public information on keyboard shortcuts.
Can data be exported?
Some account data export options may exist via online banking.
Is there an API for developers?
No public developer API is offered.
Is integration with other services supported?
Standard banking APIs for SEPA and SWIFT; third-party integrations not specified.
How often is the web interface updated?
Periodic updates to maintain security and functionality.
Are there virtual cards in the service?
No explicit public mention of virtual card issuance.
Can disposable cards be created?
No information available on disposable cards.
Is multi-currency account functionality supported?
Multi-currency accounts are not prominently offered.
Are there investment products?
Yes, investment and pension products are offered.
Can interest be earned on balance?
Savings accounts typically offer interest on deposited balances.
Are there credit products?
Loan and credit products are available including mortgages and overdraft credit.
Is P2P trading supported?
No P2P trading functionality is indicated.
Can cryptocurrencies be bought/sold?
The bank provides information but does not offer direct trading.
Is there acquiring for business?
Merchant payment acquiring services are not specifically detailed.
Are mass payouts supported?
No public details on mass payout capabilities.
Is there a loyalty program in the service?
No loyalty program details are available.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No general cashback features.
Are there referral programs?
No publicly available referral program information.
What privileges do VIP clients have?
Not detailed publicly.
Are there seasonal promotions and offers?
No specific promotions publicly listed.
Can premium status be obtained?
Not specified.
Are there partner discounts?
No public information on partner discounts.
Are there corporate loyalty programs?
Not publicly disclosed.
Does the service allow operations with online casinos?
No explicit support or restrictions publicly stated.
Are there restrictions on gambling transactions?
Standard banking AML and regulatory policies typically apply.
Can accounts be blocked for casino play?
Account restrictions may apply if suspicious activities detected.
How does the service view gambling?
No official public stance.
Are there special conditions for gambling?
Not publicly available.
Are casino transactions tracked?
Suspicious transactions including gambling are subject to monitoring.
Can operations with gambling sites be hidden?
No, transparency is mandatory to comply with AML.
Are there notifications about gambling expenses?
No dedicated gambling expense notification system.
Are there special fees for gambling operations?
No publicly indicated special fees.
Can limits be set on gambling?
No explicit gambling spending controls publicly identified.
Is there a self-exclusion function?
Not specifically documented.
Can access to gambling sites be restricted?
Not a banking function; internet providers manage access.
Is gambling expense control supported?
General transaction monitoring may indirectly help.
Are there notifications about limit exceedance?
Not publicly mentioned.
Can operations with casinos be blocked?
Possible if flagged by risk systems.
Is a "cooling-off period" supported?
No specific feature indicated.
Can help be obtained for gambling addiction?
No direct services but local Danish support organizations may be recommended.
Is there partnership with player assistance organizations?
No public partnerships known.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
No specific online casino acceptance information.
Are there exclusive partnerships with specific casinos?
None publicly disclosed.
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 specifically supported.
Are there geographic restrictions for casino usage?
Bank policies follow Danish regulatory restrictions.
How do casino operators typically process transactions from this method?
Standard card or bank transfer processing.
Are there typical processing times when used with casinos?
Same as standard banking transaction speeds.
Do casinos usually charge additional fees for this method?
Fees depend on individual casino policies.
Are there any known compatibility issues with major casino platforms?
No known issues reported.