What is the official website of the payment service?
https://midspar.dk
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Where can I find the customer support contacts?
Customer support contacts can be found on the official website's contact or support page and in branch information sections.
What is the hotline phone number?
64 22 22 22
Is there a toll-free support number?
No specific toll-free support number is listed publicly for Svendborg Sparekasse.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Customer support uses different emails based on inquiry types; for example, general branch contact at [email protected], technical support at [email protected].
Where can I find the online chat support?
There is no verified information about an online chat support feature for Svendborg Sparekasse.
Does the chat support work 24/7?
Not applicable due to lack of online chat support information.
Is there support through messengers (Telegram, WhatsApp)?
No verified data about support through messengers like Telegram or WhatsApp is available.
What are the support working hours?
Phone and email support is available Monday to Friday 08:00 to 22:00, Saturdays and Sundays/Holidays 11:00 to 20:00 with reduced hours on some holidays.
Does support work on weekends and holidays?
Yes, support is available on weekends and holidays during reduced hours.
Are there regional offices for in-person visits?
Yes, in-person visits are available at physical branch offices including the Svendborg location.
Where are the physical offices located?
Fåborgvej 64, 5700 Svendborg, Denmark; another office at Tinghusgade 22, 5700 Svendborg.
Can I schedule a personal meeting?
Yes, personal meetings can be scheduled by contacting the branch directly by phone or email.
Are there representatives in different countries?
There is no verified information about international representatives.
In which languages is support available?
Support is primarily in Danish; some customer feedback indicates English communication possible.
How quickly does support respond to requests?
Typical response times are within business hours; no exact average data available.
Is there a priority system for VIP clients?
No explicit VIP client priority system information is verified.
Can I request a callback?
Callback service availability is not specifically verified.
When was the payment service founded?
Svendborg Sparekasse’s exact foundation year is not verified here; savings banks in Denmark generally have historical roots from the 19th-20th centuries.
Who is the founder and owner of the service?
Specific founder details are not verified; it is a local savings bank likely owned by members or a guarantor structure.
In which country is the company registered?
Denmark
What is the development history of the payment service?
No detailed verified timeline; generally evolved from traditional savings bank to modern digital services including mobile banking and digital payments.
Have there been major updates or rebranding?
No specific major rebranding found; the bank offers modern payment services like integration with Apple Pay via mobile app.
Who sits on the company's board of directors?
Publicly available key executives include director Bjarne V. Nielsen; full board details not verified.
Are there investors or partners in the service?
Operates as guarantor savings bank with community ownership; details of strategic partners not verified.
Does the company participate in stock trading?
Not publicly traded; operates as a local savings bank without stock exchange listing.
What is the company's market capitalization?
Not applicable.
Are there subsidiary companies or branches?
Operates regional branches; subsidiary company details are not verified.
What licenses does the payment service have?
Licensed as a Danish savings bank under Danish Financial Supervisory Authority (Finanstilsynet).
In which jurisdictions does the service operate officially?
Denmark only.
Are there licenses for cryptocurrency operations?
No verified licenses for cryptocurrency operations.
Does the service comply with AML/KYC requirements?
Yes, complies with Danish and EU anti-money laundering (AML) and know-your-customer (KYC) regulations.
Are there security certificates (PCI DSS, etc.)?
Likely compliant with standard banking and payment card security certifications; explicit PCI DSS certification not confirmed.
Has the service undergone security audits?
Standard security audits are expected for licensed banks; specific audit history not verified.
Is there insurance for client funds?
Deposits insured up to 100,000 EUR per depositor under Denmark’s deposit guarantee scheme.
Which international standards does it comply with?
Complies with EU banking regulations and Danish financial compliance standards.
Have there been any regulatory fines or violations?
In 2013, received a supervisory order from Finanstilsynet related to customer credit assessments.
Where can I find real reviews about the service?
Reviews available on Trustpilot and Danish customer service rating platforms.
What are the main user complaints?
Issues with account operation disruptions, slow problem resolution, and limited coin deposit options.
What do users most often praise the service for?
Personalized customer service, local focus, knowledgeable staff, and detailed financial advice.
Are there issues with fund withdrawals?
Some users report occasional withdrawal and transfer problems.
Is the interface convenient according to users?
Usability feedback indicates acceptable mobile and web banking, but some improvements desired.
Are clients satisfied with transaction speed?
Transaction speeds are generally considered standard for regional banks; no major complaints.
Do users recommend this service?
Some users recommend for personal advice and local banking needs, but others are cautious due to operational issues.
How do experts assess the service's reliability?
Professional assessments highlight compliance with regulations but suggest modernization opportunities.
Are there industry awards and recognitions?
No confirmed industry awards or recognitions noted.
Does the service participate in payment system rankings?
No participation in major global payment system rankings is recorded.
Are there recommendations from financial regulators?
Finnish regulator issued corrective orders in the past, indicating ongoing supervision.
What reputation does the service have among partners?
Known as a valued local partner bank for retail and business clients in Svendborg region.
How do they evaluate solution innovation?
Innovation is incremental with digital banking integrations such as Apple Pay via mobile app.
Are there quality service certificates?
Standard banking certifications expected; no special quality service certificates confirmed.
Does the company participate in industry conferences?
Participation details in industry events not verified.
How does the service position itself in the market?
Positions itself as a local, customer-focused savings bank emphasizing personal advisory services.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK).
Are cryptocurrencies supported? Which ones specifically?
No verified support for cryptocurrencies.
Can currencies be converted within the service?
Currency conversion likely supported through standard banking channels; details not specified.
What exchange rates are used for conversion?
Standard interbank and market rates applied; no proprietary exchange system.
How often are exchange rates updated?
Rates updated regularly according to market fluctuations.
Are stablecoins supported?
Not supported.
Can exotic currencies be handled?
Exotic currency support is not generally provided.
Are there currency restrictions in different countries?
Standard regulatory geographic restrictions apply per country and EU regulations.
What types of transfers does the service support?
Domestic and international bank transfers including SWIFT, SEPA payments.
Can transfers be made between service users?
Likely internal transfers supported between bank customers.
Are transfers to bank cards supported?
Debit card payments supported; card-to-card transfers not specifically confirmed.
Can money be transferred to bank accounts?
Yes, transfers to external bank accounts are supported.
Is bill payment available?
Yes, automatic bill payment services (Betalingsservice) are offered.
Are recurring payments supported?
Recurring payment setups are supported through bank services.
Can automatic transfers be set up?
Yes, customers can set up standing orders and automatic transfers.
Is payment scheduling available?
Payment scheduling features are available via online banking.
Are group payments supported?
No specific group payment feature verified.
Can payment links be created?
No specific payment link generation feature is verified.
What are the minimum transaction amounts in the service?
Minimum amounts depend on transaction types; typical banking minimums apply.
What are the maximum amounts that can be transferred?
Limits vary by account type and verification level; specific values not publicly detailed.
Are there daily limits on operations?
Daily transaction limits apply based on security and compliance policies.
What monthly and annual limits are in effect?
Limits tied to customer profile and regulatory requirements; specifics not publicly disclosed.
Can limits be increased? How?
Limits may be increased upon verification and request by contacting bank support or advisor.
Do limits differ for verified users?
Verified users typically enjoy higher transaction limits.
Are there restrictions for new accounts?
New accounts often have lower limits until verification is completed.
Do special limits apply in different countries?
Geographic-specific limits follow local regulatory requirements.
Can operations be temporarily blocked?
Yes, accounts and transactions may be temporarily blocked for security or regulatory reasons.
Are there limits on the number of daily operations?
Number of daily operations can be limited to mitigate fraud and operational risk.
What are the minimum amounts for account funding?
Minimum deposit amounts vary by account type; standard minimums apply.
What methods of funding are supported?
Funding via bank transfer, card payments, and deposits at branches.
Are there fees for funding?
Deposit fees are generally minimal or waived depending on method.
What are the minimum funding amounts?
Minimum funding thresholds are standard banking practice; no specific public data.
How quickly are funds credited when funding?
Funds credited within standard processing times, usually same day for internal transfers.
How can money be withdrawn from the system?
Via ATM withdrawals, branch cash withdrawals, bank transfers, and card payments.
Are there fees for fund withdrawal?
Withdrawal fees depend on method and account type; specifics not publicly listed.
How long does withdrawal take?
Withdrawals typically process within 1-3 business days depending on method.
What withdrawal limits are set?
Withdrawal limits are set per account type and regulation.
How quickly are funds credited when funding with a card?
Card funding credited usually within minutes to hours depending on processor.
How long does a bank transfer take?
Domestic bank transfers usually complete within same day or next business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported.
Are transfers between users instant?
Internal transfers are typically instant or near real-time.
Are there delays when funding on weekends?
Weekend funding may be delayed until next business day.
Do holidays affect funding speed?
Yes, transactions on holidays are processed on next business day.
Can crediting be accelerated for a fee?
No verified express funding service data.
What determines the speed of funding processing?
Processing times depend on transfer method, banking hours, and intermediary banks.
Are there notifications about funding status?
Customers typically receive notifications via SMS or email on funding status.
What to do if funding takes too long?
Contact customer support for investigation and resolution.
How quickly are withdrawal requests processed?
Withdrawals are processed within standard banking operation times, usually 1-3 days.
How long does card withdrawal take?
Card withdrawals are usually instant at ATM or POS terminals.
How quickly do bank transfers arrive?
Domestic transfers arrive usually within 1 business day; international vary.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Yes, withdrawals initiated on weekends often process the next business day.
Do holidays affect withdrawal speed?
Yes, holidays may delay processing of withdrawals.
Can withdrawal be accelerated for an additional fee?
No verified information on express withdrawals.
What determines withdrawal processing time?
Internal processing rules, banking cut-off times, and regulatory checks.
Are there notifications about withdrawal status?
Withdrawal notifications are generally sent via SMS or email when available.
Can a withdrawal request be canceled?
Cancellation depends on processing stage; once processed, cancellations are typically not possible.
How to register with the payment service?
Registration is done via branch visits or online banking sign-up with identity verification.
What data is needed to create an account?
Personal identity information, proof of address, and valid identification documents.
Can registration be done without email?
Email may be strongly recommended but not always mandatory.
Is phone confirmation required during registration?
Phone verification is commonly required for security.
Are there age restrictions for registration?
Minimum age is typically 18 years.
Can a corporate account be created?
Yes, corporate accounts are supported with additional documentation.
Is it required to provide real data?
Yes, verified real identity is mandatory under AML regulations.
Are there country restrictions for registration?
Only residents or persons with legal presence in Denmark can register.
How long does account activation take?
Usually a few business days after verification.
What verification levels exist?
Basic and enhanced verification to meet regulatory compliance.
What documents are required for basic verification?
Government-issued ID and proof of address.
Are documents needed for full verification?
Additional documents such as income proof or business registration may be required for full verification.
Are digital copies of documents accepted?
Yes, scanned or photographed copies are accepted.
How long does the verification procedure take?
Verification typically completes within 1 to 5 business days.
Can the service be used without verification?
Limited access; full features require verification.
What restrictions apply to unverified users?
Limits on transaction amounts, restricted access to certain features.
Is address confirmation required?
Yes, address confirmation is part of KYC process.
Is a selfie with documents required?
Possibly required for biometric verification in enhanced checks.
How often do documents need to be updated?
Documents are updated as needed or periodically every few years.
What encryption technologies does the service use?
Standard strong encryption like TLS/SSL for web and app security.
Is two-factor authentication supported?
Yes, 2FA is supported for login and transactions.
Are there SMS confirmations for operations?
SMS-based confirmation codes are used for security.
Is biometric authentication supported?
Biometric login available on mobile apps where device supports it.
Is blockchain technology used?
No confirmed blockchain usage in core services.
Is there a multi-level security system?
Yes, utilizing layered security including encryption, authentication, and monitoring.
How is user personal data protected?
Data protection is ensured under GDPR and Danish privacy laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Yes, standard anti-DDoS measures are implemented.
Are regular security audits conducted?
Regular internal and external security audits are performed.
What anti-phishing protection measures are provided?
Customer education, secure login protocols, and alerts.
Is there a suspicious activity detection system?
Yes, automated fraud detection systems monitor for anomalies.
How does the service combat money laundering?
AML policies, KYC checks, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or AML violations are blocked pending investigation.
What to do when fraud is detected?
Contact customer support immediately and follow bank guidance.
How to report suspicious activity?
Reports can be made via customer support channels or dedicated fraud departments.
Is there compensation for damage from fraudsters?
Compensation depends on case specifics and bank policies; generally covered under bank's fraud protection.
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized transactions under Danish and EU law.
How to dispute account blocking?
Customers file appeal with customer service or complaints department.
Is there insurance against cyber attacks?
Cyber insurance is commonly held by banks, specific coverage not publicly detailed.
What fees does the service charge for transfers?
Fee structure depends on transfer type; domestic transfers may be free or low cost, international incurs fees.
Are there fees for account funding?
Typically, no fees for standard deposits; card funding fees may apply.
Are fees charged for fund withdrawal?
Withdrawal fees vary by method; ATM withdrawals usually free within network.
Are there fees for currency conversion?
Currency conversion fees apply for foreign currency transactions.
Are there fees for account inactivity?
Some banks charge inactivity fees; none specifically confirmed here.
Are there account maintenance fees?
Maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Operation cancellation fees are uncommon; might depend on transaction type.
Are there fees for expedited operations?
No confirmed express payment fees.
Are there hidden fees?
Fees are generally transparent as per regulatory requirements.
How are fees calculated for large amounts?
Fees may be flat or percentage based; large transactions might incur higher fees.
Are there different tariff plans in the service?
Different account and service tariff plans exist based on customer profile.
What advantages does VIP status provide?
VIP customers usually receive personalized service and possibly fee benefits, but no specific program verified.
How to get preferential conditions?
Preferential conditions generally granted based on relationship, balance, or income level.
Are there free operations per month?
Some free transaction allowances may apply based on account type.
Are there discounts for active users?
No verified discount programs for active users.
Are there corporate tariffs?
Corporate tariffs and fee schedules are offered for business accounts.
Can individual conditions be obtained?
Custom pricing and terms are sometimes negotiable.
Do promotional codes work for fee reduction?
Not commonly used in traditional banking.
Are there cashback programs?
No verified cashback programs.
Are there discounts for transaction volumes?
Volume discounts may be available for business customers.
Is there an official mobile application?
Yes, a mobile banking app is offered.
On which platforms is the application available?
Available for iOS and Android devices.
What functions are available in the mobile application?
Account access, payments, card management, transaction history, and Apple Pay integration.
Does functionality differ from the web version?
Mobile app matches core functions of web banking with convenience of mobile.
Is Touch ID/Face ID supported?
Yes, biometric authentication supported in the mobile app.
Can the application work offline?
Limited offline functionality; most operations require internet connection.
Are there push notifications about operations?
Push notifications supported for transactions and alerts.
Is dark theme supported?
No specific information on dark mode availability.
How often is the mobile application updated?
Updates released regularly to fix bugs and add features.
Are there beta versions of the application?
No public information on beta programs.
Is the web interface of the service convenient?
Web banking interface is user-friendly with standard modern design.
Is responsive design supported?
Yes, web platform is responsive for different devices.
In which languages is the interface available?
Danish primarily; possibly some English support.
Is there a night mode for the website?
No confirmed night mode.
Are hotkeys supported?
Not commonly supported in banking web interfaces.
Can data be exported?
Transaction data export is usually supported in formats like CSV.
Is there an API for developers?
No public developer API information available.
Is integration with other services supported?
Supports integration with Apple Pay and common payment systems.
How often is the web interface updated?
Incremental updates occur periodically.
Are there virtual cards in the service?
No specific virtual card issuance confirmed.
Can disposable cards be created?
No disposable card feature noted.
Is multi-currency account functionality supported?
Multi-currency accounts not commonly supported.
Are there investment products?
Investment products possibly offered via advisory services; detailed info unavailable.
Can interest be earned on balance?
Savings and deposit accounts typically earn interest.
Are there credit products?
Credit products like loans and overdrafts are offered.
Is P2P trading supported?
No peer-to-peer trading services offered.
Can cryptocurrencies be bought/sold?
Cryptocurrencies are not supported.
Is there acquiring for business?
Merchant acquiring services are likely provided for business customers.
Are mass payouts supported?
Mass payout capabilities not confirmed.
Is there a loyalty program in the service?
No loyalty program confirmed.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback reward system present.
Are there referral programs?
No referral program verified.
What privileges do VIP clients have?
VIP privileges are not publicly detailed.
Are there seasonal promotions and offers?
No seasonal promotions publicly advertised.
Can premium status be obtained?
Premium services may exist but no details verified.
Are there partner discounts?
No partner discount programs noted.
Are there corporate loyalty programs?
No corporate loyalty programs confirmed.
Does the service allow operations with online casinos?
No specific policy on online casino transactions published.
Are there restrictions on gambling transactions?
Standard banking and legal regulations restrict or monitor gambling-related payments.
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious gambling activity is detected under compliance rules.
How does the service view gambling?
Official stance not publicly detailed; likely conforms with Danish law.
Are there special conditions for gambling?
No special conditions publicly available.
Are casino transactions tracked?
Transactions are monitored for compliance and anti-fraud.
Can operations with gambling sites be hidden?
Transaction privacy is limited by regulatory transparency requirements.
Are there notifications about gambling expenses?
No gambling-specific expense notifications verified.
Are there special fees for gambling operations?
No specific gambling-related fees noted.
Can limits be set on gambling?
No specific gambling spending controls.
Is there a self-exclusion function?
No public information on self-exclusion functions offered by the bank.
Can access to gambling sites be restricted?
Banks generally do not restrict web access; this is outside bank service scope.
Is gambling expense control supported?
No dedicated gambling expense tools.
Are there notifications about limit exceedance?
No specific alerts on gambling limit exceedance.
Can operations with casinos be blocked?
Suspicious transactions can be blocked per compliance protocols.
Is there gambling expense statistics?
No dedicated gambling expense reports.
Is a "cooling-off period" supported?
No data on gambling cooling-off periods at the bank.
Can help be obtained for gambling addiction?
Problem gambling support is generally available via external organizations rather than the bank.
Is there partnership with player assistance organizations?
No partnership data available.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
No verified list for casino acceptance.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
None known.
Can the method be used for both deposits and withdrawals in casinos?
No confirmed support.
Are there geographic restrictions for casino usage?
Geographic banking and gambling regulations apply.
How do casino operators typically process transactions from this method?
Standard bank card or transfer processing.
Are there typical processing times when used with casinos?
Processing times conform to usual bank processing speeds.
Do casinos usually charge additional fees for this method?
Any fees typically come from casinos, not banks.
Are there any known compatibility issues with major casino platforms?
No reported compatibility issues.