What is the official website of the payment service?
The official website of Sparekassen Sjælland-Fyn is www.spks.dk.
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Where can I find the customer support contacts?
Customer support contact information can be found on the official Sparekassen Sjælland-Fyn website under the "Contact" or "Support" sections.
What is the hotline phone number?
The main customer service phone number is +45 59481111.
Is there a toll-free support number?
There is no verified information about a toll-free support number specifically for Sparekassen Sjælland-Fyn; typically, Danish banks may not offer toll-free lines.
What is the email address for technical support?
The general support email address is [email protected]; specific technical support email is not verified.
Are there separate emails for different types of inquiries?
No verified separate specialized emails are available publicly; general inquiries typically go through [email protected].
Where can I find the online chat support?
Online chat support availability is not explicitly verified; such support, if available, would be accessible via the official website under customer service.
Does the chat support work 24/7?
There is no verified information about 24/7 chat support availability for Sparekassen Sjælland-Fyn.
Is there support through messengers (Telegram, WhatsApp)?
No verified messenger support through platforms like Telegram or WhatsApp is available.
What are the support working hours?
Customer support working hours are generally during regular business days, typically Monday to Friday, 9 AM to 4 or 5 PM, consistent with Danish banking standards.
Does support work on weekends and holidays?
Support generally does not operate on weekends and Danish public holidays.
Are there regional offices for in-person visits?
Yes, Sparekassen Sjælland-Fyn has around 45 branch offices across Zealand and Funen regions where in-person visits are possible.
Where are the physical offices located?
The headquarters is at 5 Isefjords Alle, Holbæk, Zealand, Denmark 4300, with other branches located in cities and towns on Zealand and Funen.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting branches individually or via the website/contact number as is standard in banking services.
Are there representatives in different countries?
There are no verified international representative offices; operations are focused in Denmark.
In which languages is support available?
Support is primarily available in Danish; English may be available for international clients in limited capacity.
How quickly does support respond to requests?
Response times for email and phone inquiries are generally within one to two business days depending on inquiry complexity.
Is there a priority system for VIP clients?
There is no publicly verified information on a dedicated VIP customer priority system.
Can I request a callback?
Callback services are typically available at retail banks but no specific verified information is available for Sparekassen Sjælland-Fyn.
When was the payment service founded?
The bank traces its history back to December 23, 1825, originating as Holbæk Amts Sparekassen.
Who is the founder and owner of the service?
The first chairman was Jacob Frederik van Deurs; currently, the bank is publicly owned with stock traded on Nasdaq Copenhagen.
In which country is the company registered?
The company is registered in Denmark.
What is the development history of the payment service?
The bank evolved via multiple mergers of local savings banks in Zealand and renamed Sparekassen Sjælland in 2001. In 2010, it merged with Max Bank and adopted current combined name after further mergers in 2016.
Have there been major updates or rebranding?
The name Sparekassen Sjælland was introduced in 2001; major rebranding followed mergers in 2010 and 2016.
Who sits on the company's board of directors?
Specific board members’ names are not verified here; publicly traded companies publish this information annually in official reports.
Are there investors or partners in the service?
The bank has shareholders as a publicly traded entity and partners typical for regional banks but specific investor details are not provided.
Does the company participate in stock trading?
Yes, Sparekassen Sjælland-Fyn is publicly traded on Nasdaq Copenhagen under the ticker SPKSJF.
What is the company's market capitalization?
Market capitalization data fluctuates; details are available via Nasdaq Copenhagen financial reports, estimated around several billion DKK.
Are there subsidiary companies or branches?
The bank operates branches across Zealand and Funen; the former Sparekassen Fyn is now integrated into Sparekassen Sjælland-Fyn.
What licenses does the payment service have?
The bank is licensed by the Danish Financial Supervisory Authority (FSA), reference number 522.
In which jurisdictions does the service operate officially?
Officially operates in Denmark only.
Are there licenses for cryptocurrency operations?
No verified cryptocurrency-specific licenses or operations are publicly indicated.
Does the service comply with AML/KYC requirements?
As a licensed Danish bank, the service complies with strict AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
Are there security certificates (PCI DSS, etc.)?
Specific certificate details are not publicly listed; banking institutions typically comply with PCI DSS and other financial security standards.
Has the service undergone security audits?
It is standard practice for banks like Sparekassen Sjælland-Fyn to undergo regular internal and external security audits, though specifics are not detailed.
Is there insurance for client funds?
Deposits are protected up to 100,000 EUR per depositor under Denmark's deposit guarantee scheme.
Which international standards does it comply with?
The bank complies with European and Danish financial regulation standards, including GDPR for data protection.
Have there been any regulatory fines or violations?
There is no publicly available record of major fines or regulatory violations.
Where can I find real reviews about the service?
Customer reviews are available on Trustpilot, Google reviews, and local Danish review platforms.
What are the main user complaints?
Common complaints include dissatisfaction with fee structures, bank policies, and occasional service delays.
What do users most often praise the service for?
Users praise the bank’s personal advisory services, professional staff, and responsive customer service.
Are there issues with fund withdrawals?
No widespread verified issues with fund withdrawals reported.
Is the interface convenient according to users?
The online banking interface and app usability receive generally positive feedback for ease of use.
Are clients satisfied with transaction speed?
Transaction speeds are generally rated as satisfactory by users in everyday banking.
Do users recommend this service?
A majority of users recommend the bank based on their service and product satisfaction.
How do experts assess the service's reliability?
Experts assess the bank’s reliability positively in terms of local market presence and regulatory compliance.
Are there industry awards and recognitions?
No specific awards found; the bank is recognized as a reputable regional institution.
Does the service participate in payment system rankings?
There is no specific publicized participation in global payment system rankings.
Are there recommendations from financial regulators?
The bank operates under full regulatory compliance with no public disciplinary notices.
What reputation does the service have among partners?
Partners and merchants reportedly view the bank as a trustworthy and stable financial service provider.
How do they evaluate solution innovation?
The bank is seen as moderately innovative with steady adoption of banking technologies.
Are there quality service certificates?
No specific quality service certificates publicly disclosed.
Does the company participate in industry conferences?
No detailed public information on conference participation.
How does the service position itself in the market?
The bank positions itself as a regional full-service bank focusing on personalized customer service in Zealand and Funen.
Which fiat currencies does the service support?
Primarily Danish Kroner (DKK); foreign currency transactions likely support major currencies like EUR, USD.
Are cryptocurrencies supported? Which ones specifically?
No verified cryptocurrency support offered.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion services are likely available for major currencies via standard banking operations.
What exchange rates are used for conversion?
Market rates aligned with interbank and foreign exchange markets are used.
How often are exchange rates updated?
Exchange rates are updated regularly following market fluctuations.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Exotic currency handling is not publicly confirmed; likely limited to major currencies.
Are there currency restrictions in different countries?
Denmark adheres to EU currency regulations; some restrictions could apply depending on sanctions or regulatory policies.
What types of transfers does the service support?
Supports domestic and international transfers, including SWIFT payments.
Can transfers be made between service users?
Peer-to-peer transfers within the bank platform are likely supported.
Are transfers to bank cards supported?
No specific info; usually transfers to bank accounts are primary supported method.
Can money be transferred to bank accounts?
Yes, transfers to bank accounts domestically and internationally are supported.
Is bill payment available?
Yes, bill payment services are supported via online and branch channels.
Are recurring payments supported?
Recurring payments can be set up through the bank’s online banking.
Can automatic transfers be set up?
Automatic transfer scheduling is supported through online banking tools.
Is payment scheduling available?
Payment scheduling functionalities are part of standard online banking services.
Are group payments supported?
No explicit info; group payment functions are not typically widespread in traditional banks.
Can payment links be created?
No verified information on payment link creation features.
What are the minimum transaction amounts in the service?
Minimum amounts vary by transaction type and channel; industry norms apply.
What are the maximum amounts that can be transferred?
Maximum amounts depend on account type and verification levels; precise limits not publicly detailed.
Are there daily limits on operations?
Daily transaction limits apply as per security policies, modifiable with bank agreement.
What monthly and annual limits are in effect?
Monthly and annual limits are imposed based on regulatory compliance and account type.
Can limits be increased? How?
Transaction limits can typically be increased upon request and verification by the bank.
Do limits differ for verified users?
Verified users generally have higher transaction and withdrawal limits.
Are there restrictions for new accounts?
New accounts have stricter initial limits to mitigate risk.
Do special limits apply in different countries?
Limits are primarily based on Danish jurisdiction; no verified cross-country variance.
Can operations be temporarily blocked?
Yes, temporary blocks occur for security, compliance or suspicious activity reasons.
Are there limits on the number of daily operations?
There may be limits on transaction frequency to prevent fraud.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by product; general banking minimums apply.
What methods of funding are supported?
Funding via bank transfer, card payments, and cash deposits at branches.
Are there fees for funding?
Fees are generally minimal or none; depends on funding method.
What are the minimum funding amounts?
Minimum deposits align with account type policies.
How quickly are funds credited when funding?
Funding via card or transfers typically credit within hours to one business day.
How can money be withdrawn from the system?
Withdrawals via bank transfer, ATM cash withdrawals, or branch service.
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on method; common fees standard to Danish banks.
How long does withdrawal take?
Standard bank transfers take 1-3 business days; ATM withdrawals instant.
What withdrawal limits are set?
Withdrawal limits align with account terms and regulatory requirements.
How quickly are funds credited when funding with a card?
Card funding credited usually within minutes to hours.
How long does a bank transfer take?
Domestic bank transfers typically take 1 business day, international may take 2-3 days.
How quickly do cryptocurrency transfers arrive?
The bank does not support cryptocurrency transactions.
Are transfers between users instant?
Internal transfers between bank users are usually instant or near-instant.
Are there delays when funding on weekends?
Weekend funding via bank transfers generally delays to next business day processing.
Do holidays affect funding speed?
Public holidays delay processing of transfers and funding.
Can crediting be accelerated for a fee?
Some expedited services may be offered for additional fees, depending on bank policy.
What determines the speed of funding processing?
Processing speed depends on payment method, time of day, and banking system operations.
Are there notifications about funding status?
Customers typically receive status notifications via SMS or email.
What to do if funding takes too long?
Contact customer service with payment details for investigation.
How quickly are withdrawal requests processed?
Withdrawal requests are processed usually within one business day.
How long does card withdrawal take?
ATM card withdrawals are instant; card-to-account withdrawals take 1-3 business days.
How quickly do bank transfers arrive?
Domestic transfers usually next business day; international transfers take longer.
Are cryptocurrency withdrawals instant?
Not applicable as service does not support crypto.
Are there withdrawal delays on weekends?
Withdrawal processing delays occur on weekends.
Do holidays affect withdrawal speed?
Holidays can delay withdrawal processing.
Can withdrawal be accelerated for an additional fee?
Express withdrawals may be offered at a higher cost.
What determines withdrawal processing time?
Depends on method, banking hours, and verification checks.
Are there notifications about withdrawal status?
Withdrawal notifications provided via SMS or email.
Can a withdrawal request be canceled?
Cancellation possible if processed before final execution.
How to register with the payment service?
Registration is done online or in a branch, requiring personal data and identity verification.
What data is needed to create an account?
Name, address, identification documents, contact info, and proof of residence.
Can registration be done without email?
Email is typically required; alternatives rare.
Is phone confirmation required during registration?
Phone verification usually required.
Are there age restrictions for registration?
Minimum age is 18 years.
Can a corporate account be created?
Yes, corporate accounts are available with additional documentation.
Is it required to provide real data?
Real and verified information is mandatory by law.
Are there country restrictions for registration?
Accounts are available only to residents or persons with valid ties to Denmark.
How long does account activation take?
Activation usually occurs within a few business days after verification.
What verification levels exist?
Basic and enhanced verification levels based on documentation.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Additional financial and identity documents may be required.
Are digital copies of documents accepted?
Digital document uploads are commonly accepted.
How long does the verification procedure take?
Verification may take 1-5 business days.
Can the service be used without verification?
Limited services available without full verification.
What restrictions apply to unverified users?
Lower transaction limits and restricted service features.
Is address confirmation required?
Yes, address verification is mandatory.
Is a selfie with documents required?
Photo verification may be required under enhanced KYC policies.
How often do documents need to be updated?
Documents generally updated every few years or upon changes.
What encryption technologies does the service use?
Industry-standard encryption such as TLS is used to protect communications.
Is two-factor authentication supported?
Yes, 2FA is supported for added account security.
Are there SMS confirmations for operations?
SMS verification is used for certain transactions.
Is biometric authentication supported?
Biometric login may be available in mobile app.
Is blockchain technology used?
There is no public information on blockchain use.
Is there a multi-level security system?
Multiple layers of security including encryption, authentication, and fraud monitoring.
How is user personal data protected?
The bank complies with GDPR and employs strict privacy controls.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard cybersecurity measures against DDoS are implemented.
Are regular security audits conducted?
Regular security audits are conducted as per best practices.
What anti-phishing protection measures are provided?
Anti-phishing warnings and secure login protocols are employed.
Is there a suspicious activity detection system?
Yes, the bank uses fraud detection and transaction monitoring.
How does the service combat money laundering?
AML procedures include customer due diligence and transaction monitoring.
Is there blocking of suspicious accounts?
Accounts showing suspicious behavior are subject to blocking or restrictions.
What to do when fraud is detected?
Report immediately to the bank’s fraud department.
How to report suspicious activity?
Via customer service phone or email contacts provided.
Is there compensation for damage from fraudsters?
Compensation policies follow regulatory guidelines.
What user rights exist for disputed transactions?
Users have rights to dispute through customer service and financial ombudsman.
How to dispute account blocking?
Disputes handled via complaints process with customer support.
Is there insurance against cyber attacks?
Not specifically disclosed but bank likely covered under corporate insurance.
What fees does the service charge for transfers?
Fees depend on transfer type; domestic transfers may be low or free, international attract fees.
Are there fees for account funding?
Most funding methods incur no fees; card funding may have fees.
Are fees charged for fund withdrawal?
Withdrawal fees vary by method and destination.
Are there fees for currency conversion?
Currency conversion fees are typically a small percentage above the exchange rate.
Are there fees for account inactivity?
No widely reported inactivity fees.
Are there account maintenance fees?
Some accounts may have monthly fees depending on type.
Are fees charged for operation cancellation?
Cancellation fees are generally not common but may apply in specific cases.
Are there fees for expedited operations?
Express services may incur additional fees.
Are there hidden fees?
The bank adheres to transparent fee disclosure as regulated.
How are fees calculated for large amounts?
Large transactions may have tiered fee structures.
Are there different tariff plans in the service?
Various account types and pricing plans are available.
What advantages does VIP status provide?
VIP privileges likely include personalized services and priority handling.
How to get preferential conditions?
Preferential conditions usually require higher balances or negotiation.
Are there free operations per month?
Some accounts offer free transactions within limits.
Are there discounts for active users?
No explicit discounts verified.
Are there corporate tariffs?
Corporate accounts have separate pricing and features.
Can individual conditions be obtained?
Custom agreements possible for business or VIP clients.
Do promotional codes work for fee reduction?
No known use of promo codes.
Are there cashback programs?
No specific cashback programs publicly noted.
Are there discounts for transaction volumes?
Volume-based pricing may exist for corporate accounts.
Is there an official mobile application?
Yes, Sparekassen Sjælland-Fyn has an official 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 management, transfers, payments, card control, notifications.
Does functionality differ from the web version?
Mobile app offers core banking functions; full features may be on the web portal.
Is Touch ID/Face ID supported?
Biometric login available in app for supported devices.
Can the application work offline?
Limited offline functionality; online access required for transactions.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
No verified information on dark mode support.
How often is the mobile application updated?
App updates occur regularly as per typical maintenance cycles.
Are there beta versions of the application?
No public beta program information.
Is the web interface of the service convenient?
Online banking interface is generally rated user-friendly.
Is responsive design supported?
The website is responsive for different devices.
In which languages is the interface available?
Danish primarily; limited English support.
Is there a night mode for the website?
No specific night mode known.
Are hotkeys supported?
No public information on hotkey support.
Can data be exported?
Exporting transaction history to common formats is generally supported.
Is there an API for developers?
No publicly available API for third parties.
Is integration with other services supported?
Standard integrations with payment networks and accounting software may exist.
How often is the web interface updated?
Updates are done regularly for security and features.
Are there virtual cards in the service?
No verified information on virtual card issuance.
Can disposable cards be created?
No public info on disposable card issuance.
Is multi-currency account functionality supported?
Multi-currency accounts are not publicly detailed.
Are there investment products?
Investment products including pensions and loans are offered.
Can interest be earned on balance?
Interest on savings and pension accounts is available.
Are there credit products?
Credit and mortgage loans are widely offered.
Is P2P trading supported?
No verified P2P trading service.
Can cryptocurrencies be bought/sold?
No cryptocurrency trading offered.
Is there acquiring for business?
Merchant acquiring and payment processing likely offered but details are not public.
Are mass payouts supported?
No information on mass payout services.
Is there a loyalty program in the service?
No official loyalty program reported.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback program noted.
Are there referral programs?
No public referral scheme.
What privileges do VIP clients have?
VIP clients likely get enhanced advisory, dedicated service, and tailored offerings.
Are there seasonal promotions and offers?
Occasional offers may exist but not prominently disclosed.
Can premium status be obtained?
Premium account upgrades are available by bank discretion.
Are there partner discounts?
Partner merchant discounts are not publicly listed.
Are there corporate loyalty programs?
Corporate clients receive tailored services and pricing.
Does the service allow operations with online casinos?
No specific information; banks may have policies restricting gambling-related transactions.
Are there restrictions on gambling transactions?
Potential restrictions adhere to Danish financial regulations and anti-money laundering laws.
Can accounts be blocked for casino play?
Accounts can be blocked for suspicious activity including illegal gambling.
How does the service view gambling?
The bank likely follows regulatory guidelines on gambling transactions.
Are there special conditions for gambling?
Regulatory compliance is required for any gambling-related payments.
Are casino transactions tracked?
Like all transactions, casino-related payments are monitored for compliance.
Can operations with gambling sites be hidden?
No; all transactions are recorded for regulatory purposes.
Are there notifications about gambling expenses?
Notification features for gambling expenses are not standard.
Are there special fees for gambling operations?
Gambling-related transactions may incur standard transaction fees.
Can limits be set on gambling?
No specific gambling spend control is publicly mentioned.
Is there a self-exclusion function?
Not provided through the bank directly; problem gambling help is offered through separate organizations.
Can access to gambling sites be restricted?
Such restrictions are usually client or state-managed, not by bank.
Is gambling expense control supported?
Expense control features are general, not specific to gambling.
Are there notifications about limit exceedance?
Standard transaction alerts may notify of limits exceeded.
Can operations with casinos be blocked?
Blocking is possible if compliance or fraud concerns arise.
Is a "cooling-off period" supported?
Not provided through bank services.
Can help be obtained for gambling addiction?
The bank likely refers clients to external support organizations.
Is there partnership with player assistance organizations?
No publicly disclosed partnerships.
How to set up gambling expense notifications?
Not specifically supported by the bank.
Which online casinos accept this payment method?
No verified list.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
No information available.
Can the method be used for both deposits and withdrawals in casinos?
Deposits may be processed; withdrawals depend on casino policies.
Are there geographic restrictions for casino usage?
Restrictions follow Danish law and bank policies.
How do casino operators typically process transactions from this method?
Transactions processed as standard card or bank transfers.
Are there typical processing times when used with casinos?
Processing times align with normal banking transfer speeds.
Do casinos usually charge additional fees for this method?
No verified information on casino fees specific to this bank.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues reported.