What is the official website of the payment service?
https://www.sydbank.dk
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Where can I find the customer support contacts?
Customer support contacts are available on Sydbank’s official website under the “Contact us” section.
What is the hotline phone number?
The main customer service phone number is +45 74 37 37 37.
Is there a toll-free support number?
There is no publicly listed toll-free support number; Sydbank primarily uses local call rates.
What is the email address for technical support?
Technical support queries can be directed to [email protected].
Are there separate emails for different types of inquiries?
Yes, Sydbank provides specialized email addresses for different departments; for example, general inquiries can be sent to [email protected].
Where can I find the online chat support?
Online chat support is available through Sydbank’s web platform and mobile app for logged-in customers.
Does the chat support work 24/7?
The chat support operates during regular business hours, not 24/7.
Is there support through messengers (Telegram, WhatsApp)?
No verified information on support via Telegram or WhatsApp is available.
What are the support working hours?
Customer support is generally available during Danish business hours, Monday to Friday, approximately 8:00 AM to 6:00 PM.
Does support work on weekends and holidays?
Support is not typically available during weekends and public holidays.
Are there regional offices for in-person visits?
Yes, Sydbank has regional offices and branches available for in-person customer visits.
Where are the physical offices located?
The primary office is located at Peberlyk 4, DK-6200 Aabenraa, Denmark, with multiple branches nationwide.
Can I schedule a personal meeting?
Customers can schedule personal meetings at branches, generally by contacting the bank in advance.
Are there representatives in different countries?
Sydbank primarily operates in Denmark and Germany with offices in these countries.
In which languages is support available?
Support is available primarily in Danish and English.
How quickly does support respond to requests?
Phone inquiries typically receive immediate response during hours; email responses may take 1-2 business days.
Is there a priority system for VIP clients?
Sydbank offers priority handling and dedicated advisors for premium and VIP clients.
Can I request a callback?
Callback services are available upon customer request, often facilitated through phone or online contact forms.
When was the payment service founded?
Sydbank was established in 1970.
Who is the founder and owner of the service?
Sydbank was founded by a group of local financial institutions; currently, it is a publicly listed company owned by shareholders.
In which country is the company registered?
Sydbank is registered in Denmark.
What is the development history of the payment service?
Starting as a local bank in 1970, Sydbank expanded through mergers and digital transformation including mobile and internet banking services over the decades.
Have there been major updates or rebranding?
The bank has regularly updated its digital platforms and branding to modernize services, including a major push towards mobile banking and digital payments.
Who sits on the company's board of directors?
Sydbank’s board includes experienced executives and independent members, publicly available on their corporate governance page on their website.
Are there investors or partners in the service?
Sydbank has multiple institutional and retail shareholders; strategic partnerships exist with payment networks and financial technology providers.
Does the company participate in stock trading?
Yes, Sydbank A/S is publicly traded on the Copenhagen Stock Exchange.
What is the company's market capitalization?
Market capitalization varies; for exact current figures, consult financial market data sources.
Are there subsidiary companies or branches?
Sydbank operates branches and subsidiaries, notably in Germany and Denmark.
What licenses does the payment service have?
Sydbank holds full banking licenses authorized by Danish financial regulators.
In which jurisdictions does the service operate officially?
Sydbank operates officially in Denmark and parts of Germany.
Are there licenses for cryptocurrency operations?
There is no verified information that Sydbank holds cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Sydbank complies fully with EU and Danish AML and KYC regulations.
Are there security certificates (PCI DSS, etc.)?
Sydbank complies with PCI DSS standards for card payment security and other industry security certifications.
Has the service undergone security audits?
Regular external and internal security audits are conducted as standard industry practice.
Is there insurance for client funds?
Client deposits are protected under the Danish Guarantee Fund (deposit insurance scheme).
Which international standards does it comply with?
Sydbank complies with GDPR, PSD2, PCI DSS, and other relevant EU banking security standards.
Have there been any regulatory fines or violations?
There are no publicly known major regulatory fines or violations linked to Sydbank.
Where can I find real reviews about the service?
Reviews are available on Google Play, Trustpilot, and finance-related review platforms.
What are the main user complaints?
Common complaints include fees on some international transfers and occasional delays in customer service response.
What do users most often praise the service for?
Users praise the bank’s mobile banking convenience, strong security measures, and friendly customer service.
Are there issues with fund withdrawals?
No significant widespread issues with fund withdrawals have been reported publicly.
Is the interface convenient according to users?
The Sydbank app and web banking interface are rated user-friendly with intuitive navigation.
Are clients satisfied with transaction speed?
Transaction speeds for domestic payments are rated as fast; SEPA payments conform to standard clearing times.
Do users recommend this service?
The majority of users recommend Sydbank for personal and business banking services.
How do experts assess the service's reliability?
Experts view Sydbank as a stable and reliable financial institution with strong risk management.
Are there industry awards and recognitions?
Sydbank has received awards for digital banking innovation and customer service excellence in Denmark.
Does the service participate in payment system rankings?
Sydbank is recognized in Danish financial sector rankings but not typically in global payment system rankings.
Are there recommendations from financial regulators?
Danish regulators endorse Sydbank as a well-regulated financial entity meeting compliance standards.
What reputation does the service have among partners?
Sydbank enjoys strong partnerships and positive reputation with merchants and financial service providers.
How do they evaluate solution innovation?
The bank is rated positively for innovations like AI chatbots and integrated digital wallets.
Are there quality service certificates?
Sydbank holds standard quality certifications for IT security and service management.
Does the company participate in industry conferences?
Sydbank representatives actively participate in Nordic and European banking industry events.
How does the service position itself in the market?
Sydbank positions itself as a leading regional bank prioritizing digital transformation and customer-centric services.
Which fiat currencies does the service support?
Primarily Danish Krone (DKK), Euro (EUR), and other major European currencies.
Are cryptocurrencies supported? Which ones specifically?
Sydbank does not currently support direct cryptocurrency transactions.
Is there a proprietary cryptocurrency or token?
Sydbank does not issue any proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is available for supported currencies within the banking platform.
What exchange rates are used for conversion?
Exchange rates are based on market benchmarks plus a margin set by the bank.
How often are exchange rates updated?
Rates are updated regularly throughout the business day to reflect market changes.
Are stablecoins supported?
Stablecoins are not supported by Sydbank.
Can exotic currencies be handled?
Support for exotic currencies is limited; mainly major and European currencies are supported.
Are there currency restrictions in different countries?
Currency restrictions align with regulatory controls in Denmark and the EU.
What types of transfers does the service support?
Supports SEPA payments, domestic transfers, wire transfers, recurring payments, and direct debits.
Can transfers be made between service users?
Yes, peer-to-peer transfers within Sydbank accounts are supported.
Are transfers to bank cards supported?
Transfers to bank cards are typically through linked debit or credit cards, depending on the card network.
Can money be transferred to bank accounts?
Yes, money can be transferred to external bank accounts within and outside Denmark.
Is bill payment available?
Yes, bill payment services are integrated with online and mobile banking.
Are recurring payments supported?
Recurring payments and direct debit setups are supported.
Can automatic transfers be set up?
Automatic transfer scheduling is available for regular payments.
Is payment scheduling available?
Payment date scheduling is supported via online and mobile banking platforms.
Are group payments supported?
Group payment or splitting features are limited; usually managed by peer-to-peer transfers.
Can payment links be created?
There is no verified information that Sydbank supports payment link generation.
What are the minimum transaction amounts in the service?
Minimum transaction amounts typically follow industry norms, can depend on payment type.
What are the maximum amounts that can be transferred?
Transfer maximums vary by account type and verification status; detailed limits must be confirmed with the bank.
Are there daily limits on operations?
Daily limits exist based on account type and security settings to minimize fraud risk.
What monthly and annual limits are in effect?
Monthly and yearly transaction limits are enforced according to regulatory and internal bank policies.
Can limits be increased? How?
Limits can be increased after enhanced verification and by contacting customer support.
Do limits differ for verified users?
Verified users generally have higher transaction limits than unverified or newly registered accounts.
Are there restrictions for new accounts?
New accounts have stricter limits and gradual increases after onboarding and verification.
Do special limits apply in different countries?
Geographic regulatory requirements may impose differential limits by country.
Can operations be temporarily blocked?
Operations can be blocked for fraud suspicions, regulatory compliance, or at customer request.
Are there limits on the number of daily operations?
Limits on daily transaction counts are applied to control risk and fraud.
What are the minimum amounts for account funding?
Minimum deposit amounts depend on the funding method; no high minimum for standard deposits.
What methods of funding are supported?
Funding through bank transfers, card payments, and direct deposit methods are supported.
Are there fees for funding?
Funding fees are generally free for local bank transfers; card funding fees may apply.
What are the minimum funding amounts?
Minimums follow industry norms; specifics depend on funding channel and account type.
How quickly are funds credited when funding?
Local bank transfer funding is usually credited within the same or next business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, bank transfers, and card cashouts.
Are there fees for fund withdrawal?
Withdrawal fees may apply, particularly for international or non-SEPA transfers.
How long does withdrawal take?
Withdrawal processing can take 1-3 business days depending on method.
What withdrawal limits are set?
Withdrawal limits depend on account type, verification, and regulatory requirements.
How quickly are funds credited when funding with a card?
Card funding is usually credited instantly or within minutes.
How long does a bank transfer take?
Domestic transfers are usually instant to same-day; international transfers vary 1-3 business days.
How quickly do cryptocurrency transfers arrive?
Sydbank does not support cryptocurrency transfers.
Are transfers between users instant?
Transfers between Sydbank users are generally instant.
Are there delays when funding on weekends?
Funding may not be processed over weekends; credited on next business day.
Do holidays affect funding speed?
Public holidays delay payment and funding processing.
Can crediting be accelerated for a fee?
Express funding options may be available but are not commonly advertised.
What determines the speed of funding processing?
Bank clearing times, payment system rules, and external factors affect funding speed.
Are there notifications about funding status?
Customers receive notifications by email or SMS about payment and funding status.
What to do if funding takes too long?
Contact customer support to investigate delayed funding transactions.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within business hours; delays possible on weekends and holidays.
How long does card withdrawal take?
Card withdrawals at ATMs are immediate; transfers to cards may take up to 1 business day.
How quickly do bank transfers arrive?
Bank transfers typically arrive within 1-3 business days.
Are cryptocurrency withdrawals instant?
Not applicable; cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawals initiated on weekends are processed on next business day.
Do holidays affect withdrawal speed?
Withdrawals can be delayed due to holidays impacting banking operations.
Can withdrawal be accelerated for an additional fee?
Express withdrawals may be available in some cases for additional fees.
What determines withdrawal processing time?
Method of withdrawal, bank processing schedules, and regulatory checks influence time.
Are there notifications about withdrawal status?
Withdrawal status updates can be requested or monitored online or via notifications.
Can a withdrawal request be canceled?
Withdrawal cancellation is possible only before processing; policies vary by banking system.
How to register with the payment service?
Register via Sydbank’s website or branch by providing personal information and ID for verification.
What data is needed to create an account?
Personal identification, proof of address, contact details, and verification documents.
Can registration be done without email?
Email is generally required for account creation for communication and security.
Is phone confirmation required during registration?
Phone number confirmation is typical to ensure secure registration.
Are there age restrictions for registration?
Minimum age is usually 18 years to open an account.
Can a corporate account be created?
Yes, Sydbank offers business accounts with requirements like company registration documents.
Is it required to provide real data?
Real, verifiable personal data are mandatory to comply with KYC regulations.
Are there country restrictions for registration?
Only residents or entities in supported jurisdictions (mainly Denmark) can register.
How long does account activation take?
Account activation can take from a few hours to several days depending on verification.
What verification levels exist?
Basic and enhanced verification levels aligned with regulatory AML/KYC compliance.
What documents are required for basic verification?
Valid ID (passport or national ID), proof of address, and contact information.
Are documents needed for full verification?
Full verification may require additional documents like income proof and source of funds.
Are digital copies of documents accepted?
Digital submission of documents is accepted through secure upload portals.
How long does the verification procedure take?
Verification typically completes within 1-3 business days.
Can the service be used without verification?
Limited features and transaction caps apply for unverified accounts.
What restrictions apply to unverified users?
Restrictions on transaction amounts, no access to credit or investment products.
Is address confirmation required?
Yes, proof of address is part of standard KYC verification.
Is a selfie with documents required?
Photo ID with a selfie is often needed for identity confirmation in digital onboarding.
How often do documents need to be updated?
Documents must be updated typically every few years or as required by regulation.
What encryption technologies does the service use?
Sydbank uses TLS encryption and other advanced security protocols to protect data.
Is two-factor authentication supported?
Yes, 2FA is mandatory for login and transactions involving personal security tokens or MitID.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction verification and alerts.
Is biometric authentication supported?
Biometric login (fingerprint, Face ID) is supported in the mobile banking app.
Is blockchain technology used?
There is no verified public information on blockchain use in Sydbank’s core payment services.
Is there a multi-level security system?
Yes, layered security includes encryption, authentication, fraud detection, and monitoring.
How is user personal data protected?
Personal data are protected according to GDPR and Danish privacy laws with strict access controls.
Is cold storage used for cryptocurrencies?
Not applicable as Sydbank does not custody cryptocurrencies.
Is there DDoS attack protection?
Yes, Sydbank employs network security measures including DDoS mitigation.
Are regular security audits conducted?
Regular security audits and penetration tests are part of the bank's security regime.
What anti-phishing protection measures are provided?
Email filtering, user education, and transaction monitoring reduce phishing risks.
Is there a suspicious activity detection system?
Yes, advanced fraud detection systems monitor for unusual transactions.
How does the service combat money laundering?
Through mandatory KYC, transaction monitoring, and reporting suspicious activities to authorities.
Is there blocking of suspicious accounts?
Accounts flagged for suspicious activity can be temporarily blocked pending investigation.
What to do when fraud is detected?
Customers should report fraud immediately to support and follow remediation instructions.
How to report suspicious activity?
Suspicious activity can be reported via customer service channels or secure online forms.
Is there compensation for damage from fraudsters?
Compensation policies depend on the nature of fraud and customer cooperation; regulated in Denmark.
What user rights exist for disputed transactions?
Users can dispute unauthorized transactions as per EU payment services directive protections.
How to dispute account blocking?
Customers file complaints with customer support and escalate to financial ombudsman if needed.
Is there insurance against cyber attacks?
The bank likely holds cyber insurance policies as part of risk management.
What fees does the service charge for transfers?
Transfer fees vary but many domestic and SEPA transfers are free or low cost; international transfers incur fees.
Are there fees for account funding?
Account funding generally does not incur fees for standard transfer methods.
Are fees charged for fund withdrawal?
Withdrawal fees may apply for international or card cash withdrawals; domestic withdrawals often free.
Are there fees for currency conversion?
Currency conversion fees apply based on exchange rate margins.
Are there fees for account inactivity?
Inactivity fees are not publicly highlighted; may be applied under specific conditions.
Are there account maintenance fees?
Some account types include a monthly maintenance fee; specifics vary by account plan.
Are fees charged for operation cancellation?
Fees for cancellation or amendment of payments may apply depending on timing and payment type.
Are there fees for expedited operations?
Expedited payment fees may apply where express processing is available.
Are there hidden fees?
Fees are disclosed clearly following regulatory transparency requirements.
How are fees calculated for large amounts?
Large transactions may incur proportional fees or require special handling fees.
Are there different tariff plans in the service?
Sydbank offers different account types and tariff plans for personal, business, and premium customers.
What advantages does VIP status provide?
VIP customers receive priority support, tailored financial advice, and preferential service.
How to get preferential conditions?
Preferential conditions are accessed by meeting premium criteria or through relationship management.
Are there free operations per month?
Many basic transactions are free; specifics depend on the account type.
Are there discounts for active users?
Discounts or fee waivers for active or loyal customers may be available.
Are there corporate tariffs?
Corporate accounts have separate pricing and service agreements.
Can individual conditions be obtained?
Custom pricing arrangements may be negotiated for high-value clients.
Do promotional codes work for fee reduction?
There is no public information on promotional codes for fees.
Are there cashback programs?
Cashback programs are not prominently featured.
Are there discounts for transaction volumes?
Volume-based discounts may be applied for business clients.
Is there an official mobile application?
Yes, Sydbank offers an official mobile banking app called "Sydbank Mobilbank Privat."
On which platforms is the application available?
Available on iOS and Android platforms.
What functions are available in the mobile application?
Functions include account management, transfers, payments, investments, loan overview, messages, and customer support chat.
Does functionality differ from the web version?
The app is designed for mobile convenience, with slightly streamlined features compared to the full web platform.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported.
Can the application work offline?
Limited offline functionality; most features require internet connectivity.
Are there push notifications about operations?
Push notifications are supported for transaction alerts and messages.
Is dark theme supported?
Dark mode is not widely reported as available.
How often is the mobile application updated?
The app is updated regularly, typically every few weeks to months.
Are there beta versions of the application?
No public information about beta app versions.
Is the web interface of the service convenient?
The web banking platform is user-friendly with a modern design.
Is responsive design supported?
Yes, Sydbank’s web platform supports responsive mobile design.
In which languages is the interface available?
Danish and English interface options are provided.
Is there a night mode for the website?
No clear information on night mode for web interface.
Are hotkeys supported?
Hotkey support is not publicly detailed.
Can data be exported?
Account statements and reports can be downloaded in common formats like PDF and CSV.
Is there an API for developers?
Sydbank does not publicly offer API access for external developers.
Is integration with other services supported?
Integration is supported with standard banking services and third-party payment frameworks adhering to PSD2.
How often is the web interface updated?
Updates are rolled out continuously to improve security and user experience.
Are there virtual cards in the service?
There is no specific public indication that Sydbank issues virtual cards.
Can disposable cards be created?
No verified information on disposable or temporary cards.
Is multi-currency account functionality supported?
Sydbank supports accounts in multiple currencies, especially DKK and EUR.
Are there investment products?
Yes, Sydbank offers investment products including stocks, bonds, and mutual funds.
Can interest be earned on balance?
Interest-earning accounts are available for personal and business clients.
Are there credit products?
Credit products, including loans and credit lines, are offered.
Is P2P trading supported?
Peer-to-peer trading is not a public feature of Sydbank’s platform.
Can cryptocurrencies be bought/sold?
Sydbank does not provide cryptocurrency trading services.
Is there acquiring for business?
Sydbank offers merchant acquiring and payment processing services.
Are mass payouts supported?
Bulk payment or payroll services are supported for business customers.
Is there a loyalty program in the service?
There is no publicly promoted loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
Cashback is not generally offered.
Are there referral programs?
No known referral incentives.
What privileges do VIP clients have?
VIP clients receive enhanced advisory services, customized offers, and exclusive event invites.
Are there seasonal promotions and offers?
Seasonal promotions may be run periodically.
Can premium status be obtained?
Premium status is available to qualifying customers with higher banking relationships.
Are there partner discounts?
Partner discounts are limited but may exist through selected partnerships.
Are there corporate loyalty programs?
Corporate clients may have customized loyalty or advantage programs.
Does the service allow operations with online casinos?
No clear policy; most Danish banks restrict gambling-related transactions or monitor them closely.
Are there restrictions on gambling transactions?
Gambling transactions are regulated; restrictions likely follow Danish legislation and bank policies.
Can accounts be blocked for casino play?
Accounts involved in suspicious gambling transactions may be subject to blocking.
How does the service view gambling?
The bank follows Danish regulatory guidelines on gambling transactions.
Are there special conditions for gambling?
Conditions follow Danish laws with AML and responsible gambling policies.
Are casino transactions tracked?
Transactions suspected to be gambling-related are monitored under compliance rules.
Can operations with gambling sites be hidden?
No; transparency is required for regulatory compliance.
Are there notifications about gambling expenses?
No specific gambling expense alert systems reported.
Are there special fees for gambling operations?
Fees depend on transaction types, not specifically for gambling.
Can limits be set on gambling?
Customers may set transaction limits generally but no dedicated gambling limits reported.
Is there a self-exclusion function?
Self-exclusion for gambling is handled via national regulatory responsible gambling frameworks.
Can access to gambling sites be restricted?
Such restrictions are usually applied by regulatory or internet service providers, not banks directly.
Is gambling expense control supported?
Controls are primarily customer and regulator driven, not specific bank products.
Are there notifications about limit exceedance?
General transaction limit notifications exist but no specific gambling alerts.
Can operations with casinos be blocked?
Banks may block suspicious transactions related to casinos.
Is there gambling expense statistics?
Not specifically provided by Sydbank.
Is a "cooling-off period" supported?
No direct bank product for this; relies on national responsible gambling measures.
Can help be obtained for gambling addiction?
National Danish health and social services provide assistance, bank may refer.
Is there partnership with player assistance organizations?
No direct info; typical banking practice includes cooperation with national responsible gambling bodies.
How to set up gambling expense notifications?
Not specifically supported by Sydbank.
Which online casinos accept this payment method?
Information not specifically disclosed.
Are there exclusive partnerships with specific casinos?
No public exclusive casino partnerships.
Do conditions differ when used in different casinos?
Conditions are driven by casino operators and regulations, not the bank.
Are there special bonuses for using this method in casinos?
No reported bank bonuses for casino payments.
Can the method be used for both deposits and withdrawals in casinos?
Deposits likely supported if allowed; withdrawals generally restricted in Denmark by banking policies.
Are there geographic restrictions for casino usage?
Country restrictions align with regulatory jurisdictions.
How do casino operators typically process transactions from this method?
Casinos accept payments via bank cards and transfers; processing times depend on payment type.
Are there typical processing times when used with casinos?
Processing times align with normal banking transaction times.
Do casinos usually charge additional fees for this method?
Some casinos may impose fees; the bank typically does not.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues reported.