What is the official website of the payment service?
www.sparekassen-vendsyssel.dk
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Where can I find the customer support contacts?
Customer support contacts are available on the official website under the "Contact" or "Kontakt" section.
What is the hotline phone number?
The main customer service phone number is +45 82 22 90 00.
Is there a toll-free support number?
There is no verified information on a toll-free support number for Sparekassen Vendsyssel; typically, Danish banks use local numbers without toll-free options.
What is the email address for technical support?
No specific technical support email is publicly listed; general inquiries may be directed through contact emails available on the official website.
Are there separate emails for different types of inquiries?
Typically, banks like Sparekassen Vendsyssel provide different contact emails for various services, such as loan, account support, and corporate services, but exact emails are not verified for this bank.
Where can I find the online chat support?
No explicit online chat support was found; customer support is likely via phone and email mainly.
Does the chat support work 24/7?
Not applicable as no confirmed chat support is available.
Is there support through messengers (Telegram, WhatsApp)?
No indication that support via messengers like Telegram or WhatsApp is provided.
What are the support working hours?
Customer support operates Monday to Friday from 08:00 to 20:00 and Saturdays and Sundays from 08:00 to 18:00, excluding holidays.
Does support work on weekends and holidays?
Support is available on weekends from 08:00 to 18:00 but not on official holidays.
Are there regional offices for in-person visits?
Yes, Sparekassen Vendsyssel has 39 branches where customers can visit in person.
Where are the physical offices located?
The main office address is Østergade 15, 9760 Vrå, Denmark, with 39 branch locations in Jutland and surrounding regions.
Can I schedule a personal meeting?
Yes, customers can schedule personal meetings typically via phone or online booking through the official site.
Are there representatives in different countries?
No verified international representative offices; operations are localized in Denmark.
In which languages is support available?
Support is primarily offered in Danish, as agreements and communication are in Danish unless otherwise specified.
How quickly does support respond to requests?
Average phone response time is immediate to a few minutes during operating hours; email responses may take up to 1-2 business days.
Is there a priority system for VIP clients?
No publicly available details on a VIP priority support system.
Can I request a callback?
Callback options are standard industry practice but not specifically confirmed for Sparekassen Vendsyssel.
When was the payment service founded?
Sparekassen Vendsyssel was founded in 1871.
Who is the founder and owner of the service?
The original founder is not specifically named; the bank is owned by guarantors as part of its savings bank structure.
In which country is the company registered?
The company is registered in Denmark.
What is the development history of the payment service?
Developed as a regional savings bank, it merged into Sparekassen Danmark in 2021 alongside Jutlander Bank, expanding service and sustainability focus.
Have there been major updates or rebranding?
In September 2021, Sparekassen Vendsyssel merged with Jutlander Bank to form Sparekassen Danmark, marking a major rebranding and development milestone.
Who sits on the company's board of directors?
Specific board members are not publicly listed; generally includes local industry and banking professionals.
Are there investors or partners in the service?
The bank operates with guarantors rather than traditional shareholders; partners likely include local business entities and depositors.
Does the company participate in stock trading?
No, Sparekassen Vendsyssel is not publicly listed and does not trade on stock exchanges.
What is the company's market capitalization?
Not publicly traded, so no market capitalization is available.
Are there subsidiary companies or branches?
It operates through branches in Denmark; no verified subsidiaries.
What licenses does the payment service have?
Licensed as a bank under Danish Financial Supervisory Authority regulations and operates under Danish banking licenses.
In which jurisdictions does the service operate officially?
Officially operates in Denmark.
Are there licenses for cryptocurrency operations?
No information available on cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
Yes, it complies with Danish and European AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations, as required of all licensed banks.
Are there security certificates (PCI DSS, etc.)?
Specific PCI DSS certification details are not publicly disclosed; banking security includes TLS encryption and industry-standard protections.
Has the service undergone security audits?
While specific audit reports are not available, Danish regulated banks typically undergo regular security audits.
Is there insurance for client funds?
Customer funds are protected under Danish deposit guarantee schemes, typically guaranteeing up to €100,000 per depositor.
Which international standards does it comply with?
Compliance with EU banking regulations including PSD2, GDPR, AML directives, and Danish financial supervisory standards.
Have there been any regulatory fines or violations?
No publicly available records of fines or regulatory violations.
Where can I find real reviews about the service?
Real user reviews can be found on local Danish financial forums, Trustpilot, and banking comparison websites.
What are the main user complaints?
Common complaints for regional banks typically relate to limited digital service options and branch availability.
What do users most often praise the service for?
Users praise personal customer service, local community engagement, and trustworthy banking relationships.
Are there issues with fund withdrawals?
No significant publicized issues with fund withdrawals.
Is the interface convenient according to users?
The online banking interface is considered functional but may not be as advanced as larger international banks.
Are clients satisfied with transaction speed?
Transaction speeds are standard for Danish banks with no notable complaints.
Do users recommend this service?
Local users generally recommend Sparekassen Vendsyssel for its community focus and service quality.
How do experts assess the service's reliability?
Experts regard it as a stable regional financial institution with sound regulatory compliance.
Are there industry awards and recognitions?
No specific awards publicly noted.
Does the service participate in payment system rankings?
Not publicly listed in global payment systems rankings.
Are there recommendations from financial regulators?
Licensed and supervised by Danish regulators with compliance endorsements implicit in license.
What reputation does the service have among partners?
Holds a positive reputation among local business partners and municipalities.
How do they evaluate solution innovation?
Innovation focus is on sustainable products such as carbon-neutral payment cards introduced through the merged Sparekassen Danmark entity.
Are there quality service certificates?
Quality assurance aligns with Danish banking standards; no specific certificates publicly noted.
Does the company participate in industry conferences?
No public information on conference participation found.
How does the service position itself in the market?
Positioned as a local, customer-focused guarantor savings bank prioritizing community and sustainability.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK); foreign currency exchange available for major currencies including EUR, USD, GBP.
Are cryptocurrencies supported? Which ones specifically?
No confirmed support for cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No native cryptocurrency or token.
Can currencies be converted within the service?
Currency exchange services are available through bank branches and online banking.
What exchange rates are used for conversion?
Exchange rates are fixed by the bank daily and may vary during business days.
How often are exchange rates updated?
Exchange rates are updated daily, based on market conditions.
Are stablecoins supported?
No stablecoin support.
Can exotic currencies be handled?
Generally no; primarily major currencies are handled.
Are there currency restrictions in different countries?
Transactions adhere to Danish and EU regulations potentially restricting certain countries.
What types of transfers does the service support?
Domestic and international transfers via IBAN, SWIFT; deposit, withdrawal, card payments, bill payments.
Can transfers be made between service users?
Yes, bank customers can transfer funds to each other.
Are transfers to bank cards supported?
Transfers to bank cards (Visa/Dankort/Mastercard) are supported.
Can money be transferred to bank accounts?
Yes, to accounts within Sparekassen Vendsyssel and other banks.
Is bill payment available?
Yes, bill payment services are supported.
Are recurring payments supported?
Recurring payment setup available via banking agreements.
Can automatic transfers be set up?
Automatic transfers can be arranged through online banking and agreements.
Is payment scheduling available?
Scheduled payments are supported through home-banking.
Are group payments supported?
Group payment support (splitting payments) is not specifically mentioned.
Can payment links be created?
No explicit payment link creation service is confirmed.
What are the minimum transaction amounts in the service?
Minimum amounts vary by product; specific official minimums not publicly detailed.
What are the maximum amounts that can be transferred?
Limits are set depending on account type and verification; specifics not publicly detailed.
Are there daily limits on operations?
Daily transaction limits are standard per security and regulatory guidelines.
What monthly and annual limits are in effect?
Monthly and annual transfer limits comply with AML and regulatory requirements; specifics confidential.
Can limits be increased? How?
Limits can be increased upon customer verification and bank approval.
Do limits differ for verified users?
Verified users generally have higher limits.
Are there restrictions for new accounts?
New accounts have standard initial limits until verification.
Do special limits apply in different countries?
Limits are primarily determined by Danish jurisdiction.
Can operations be temporarily blocked?
Yes, operations can be blocked for security or compliance reasons.
Are there limits on the number of daily operations?
Daily transaction counts are monitored and may be limited for security.
What are the minimum amounts for account funding?
Minimum deposit amounts depend on account type.
What methods of funding are supported?
Cash deposits, bank transfers, foreign cheques, card deposits.
Are there fees for funding?
Fees may apply depending on method; details on official fee schedules.
What are the minimum funding amounts?
Not explicitly stated publicly.
How quickly are funds credited when funding?
Generally, funds from transfers are credited within 1-2 business days; card deposits may be faster.
How can money be withdrawn from the system?
Cash withdrawal at branches, transfers to other bank accounts, card withdrawals.
Are there fees for fund withdrawal?
Withdrawal fees may apply based on method and account conditions.
How long does withdrawal take?
Usually 1-3 business days for bank transfers; immediate for cash withdrawals.
What withdrawal limits are set?
Limits depend on account and verification status.
How quickly are funds credited when funding with a card?
Card funding typically credited within minutes to hours.
How long does a bank transfer take?
Domestic bank transfers usually clear within 1 business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Transfers within the bank are typically instant or within minutes.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day.
Do holidays affect funding speed?
Yes, holidays cause standard banking delays.
Can crediting be accelerated for a fee?
Premium or express services may be offered; details not verified.
What determines the speed of funding processing?
Method, verification, banking hours, and regulatory checks affect speed.
Are there notifications about funding status?
Customers receive notifications of funding status via online banking.
What to do if funding takes too long?
Contact customer support for investigation.
How quickly are withdrawal requests processed?
Usually within 1-3 business days.
How long does card withdrawal take?
Immediate to same day usually.
How quickly do bank transfers arrive?
Usually 1 business day domestically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, delays occur on weekends.
Do holidays affect withdrawal speed?
Yes, holidays impact processing.
Can withdrawal be accelerated for an additional fee?
Possible but not verified.
What determines withdrawal processing time?
Verification, method, and banking hours.
Are there notifications about withdrawal status?
Yes, via online banking or SMS.
Can a withdrawal request be canceled?
Cancellation allowed if not yet processed.
How to register with the payment service?
Registration is done via branch or online portal with ID verification.
What data is needed to create an account?
Personal identification, proof of address, contact details.
Can registration be done without email?
Email is generally required for communication.
Is phone confirmation required during registration?
Phone number verification is standard.
Are there age restrictions for registration?
Minimum age usually 18 years old.
Can a corporate account be created?
Yes, corporate accounts are available.
Is it required to provide real data?
Yes, accurate information is mandatory for KYC.
Are there country restrictions for registration?
Only residents of Denmark or with Danish connection generally accepted.
How long does account activation take?
Usually same day to a few business days.
What verification levels exist?
Basic and enhanced verification for higher limits and services.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Additional documents like income proof may be required.
Are digital copies of documents accepted?
Yes, documents can often be uploaded digitally.
How long does the verification procedure take?
Typically completed within 1-3 business days.
Can the service be used without verification?
Limited functionality is allowed before verification.
What restrictions apply to unverified users?
Reduced limits and withdrawal restrictions.
Is address confirmation required?
Yes, proof of address is mandatory.
Is a selfie with documents required?
Possibly required for enhanced verification as per industry practice.
How often do documents need to be updated?
Updated every few years or upon regulatory changes.
What encryption technologies does the service use?
Standard TLS encryption for data transmission.
Is two-factor authentication supported?
Yes, 2FA is supported via NemID or other secure methods.
Are there SMS confirmations for operations?
SMS confirmations may be used for sensitive transactions.
Is biometric authentication supported?
Biometric options may be available via mobile app.
Is blockchain technology used?
No verified usage of blockchain technology.
Is there a multi-level security system?
Yes, multiple layers including encryption, access control, and monitoring.
How is user personal data protected?
Data protection complies with GDPR and Danish data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable; cryptocurrencies not supported.
Is there DDoS attack protection?
Standard DDoS mitigation measures are in place.
Are regular security audits conducted?
Conducted regularly as per regulations.
What anti-phishing protection measures are provided?
User education, secure login systems and monitoring.
Is there a suspicious activity detection system?
Yes, fraud detection systems monitor transactions.
How does the service combat money laundering?
AML controls, transaction monitoring, and KYC compliance.
Is there blocking of suspicious accounts?
Yes, accounts are blocked on suspicion.
What to do when fraud is detected?
Report to bank immediately for investigation.
How to report suspicious activity?
Via customer service or fraud reporting channels.
Is there compensation for damage from fraudsters?
Compensation depends on circumstance and liability rules.
What user rights exist for disputed transactions?
Users can dispute unauthorized transactions under Danish law.
How to dispute account blocking?
Appeal procedures via customer support.
Is there insurance against cyber attacks?
Cyber insurance likely but not publicly detailed.
What fees does the service charge for transfers?
Fees depend on transfer type, domestic and international, per bank schedule.
Are there fees for account funding?
Fees vary depending on method, often free for simple bank transfers.
Are fees charged for fund withdrawal?
Withdrawal fees apply per fee schedule.
Are there fees for currency conversion?
Currency exchange fees apply based on amount and currency.
Are there fees for account inactivity?
Inactivity fees are uncommon but possible.
Are there account maintenance fees?
Maintenance fees apply depending on account type.
Are fees charged for operation cancellation?
Cancellation fees may be charged.
Are there fees for expedited operations?
Express services may carry additional fees.
Are there hidden fees?
Fees are disclosed in terms; no known hidden fees.
How are fees calculated for large amounts?
Fees may scale or be fixed depending on transaction type.
Are there different tariff plans in the service?
Various pricing plans available depending on customer segment.
What advantages does VIP status provide?
No confirmed VIP programs publicly.
How to get preferential conditions?
May be via relationship banking or account size.
Are there free operations per month?
Free operations depend on account type.
Are there discounts for active users?
No specific discounts publicly confirmed.
Are there corporate tariffs?
Corporate account pricing is available.
Can individual conditions be obtained?
Custom pricing is possible for business clients.
Do promotional codes work for fee reduction?
No information found on promo codes.
Are there cashback programs?
No cashback programs identified.
Are there discounts for transaction volumes?
Volume discounts may apply for large clients.
Is there an official mobile application?
Yes, Sparekassen Danmark offers an official mobile banking app.
On which platforms is the application available?
Available on iOS and Android.
What functions are available in the mobile application?
Account management, payments, transfers, card control, notifications.
Does functionality differ from the web version?
Mobile app focuses on core banking features; some advanced functions may remain web-only.
Is Touch ID/Face ID supported?
Supported on compatible mobile devices.
Can the application work offline?
Limited offline functionality; data sync requires online connection.
Are there push notifications about operations?
Push notifications are supported.
Is dark theme supported?
No explicit information on dark mode.
How often is the mobile application updated?
Periodic updates, approximately every few weeks/months.
Are there beta versions of the application?
No public beta program found.
Is the web interface of the service convenient?
Web interface is functional and user-friendly.
Is responsive design supported?
Yes, website and online banking are mobile responsive.
In which languages is the interface available?
Primarily Danish.
Is there a night mode for the website?
No confirmed night mode.
Are hotkeys supported?
Not typically supported.
Can data be exported?
Exporting statements and transaction history is supported.
Is there an API for developers?
No public API documentation found.
Is integration with other services supported?
Standard integration with Danish payment infrastructure and internet banking systems.
How often is the web interface updated?
Updates are regular but on no fixed publicly disclosed schedule.
Are there virtual cards in the service?
Not publicly confirmed.
Can disposable cards be created?
Not confirmed.
Is multi-currency account functionality supported?
Multi-currency accounts are not standard; currency exchange provided.
Are there investment products?
Yes, investment products offered through Sparekassen Danmark.
Can interest be earned on balance?
Interest earning accounts are available.
Are there credit products?
Loan and credit products are offered.
Is P2P trading supported?
No specific peer-to-peer trading services.
Can cryptocurrencies be bought/sold?
Not supported.
Is there acquiring for business?
Merchant acquiring services available through business accounts.
Are mass payouts supported?
No specific mass payout services noted.
Is there a loyalty program in the service?
No formal loyalty program found.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback on transactions.
Are there referral programs?
No referral programs found.
What privileges do VIP clients have?
No specific public information.
Are there seasonal promotions and offers?
Typical retail banking promotions may occur.
Can premium status be obtained?
No public premium status program.
Are there partner discounts?
Some partner discounts may be available via community programs.
Are there corporate loyalty programs?
Corporate loyalty not specifically detailed.
Does the service allow operations with online casinos?
No publicly available specific policy; typical banking restrictions may apply.
Are there restrictions on gambling transactions?
Banks often monitor and restrict certain gambling-related transactions in compliance with Danish laws.
Can accounts be blocked for casino play?
Accounts can be blocked upon suspicious or illegal activities, including gambling fraud.
How does the service view gambling?
Commercial stance not publicly available.
Are there special conditions for gambling?
Not publicly disclosed.
Are casino transactions tracked?
Transactions are monitored through compliance controls.
Can operations with gambling sites be hidden?
No; banks are obligated to monitor suspicious activity.
Are there notifications about gambling expenses?
No dedicated notifications.
Are there special fees for gambling operations?
Not publicly disclosed.
Can limits be set on gambling?
Not explicitly offered as a service feature.
Is there a self-exclusion function?
Self-exclusion may be available through Danish gambling authorities, but not bank-specific.
Can access to gambling sites be restricted?
Not applicable for banks.
Is gambling expense control supported?
Not bank managed.
Are there notifications about limit exceedance?
Not specifically implemented.
Can operations with casinos be blocked?
Compliance may trigger blocking.
Is there gambling expense statistics?
Not provided.
Is a "cooling-off period" supported?
Not provided by bank.
Can help be obtained for gambling addiction?
Not through the bank; external resources recommended.
Is there partnership with player assistance organizations?
No bank partnerships publicly listed.
How to set up gambling expense notifications?
Not supported by the bank.
Which online casinos accept this payment method?
No public list of casinos accepting Sparekassen Vendsyssel as payment.
Can the method be used for both deposits and withdrawals in casinos?
No verified information.
Are there geographic restrictions for casino usage?
Restrictions follow Danish regulations.
How do casino operators typically process transactions from this method?
Casinos follow standard banking transfer procedures.
Are there typical processing times when used with casinos?
Transfers follow regular bank processing times.
Do casinos usually charge additional fees for this method?
No publicly confirmed fees.