What is the official website of the payment service?
https://www.tos.no
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Where can I find the customer support contacts?
Customer support contact information is available on the "Kontakt oss" page of the official website www.tos.no/kontakt.
What is the hotline phone number?
The main customer service phone number is +47 62 49 63 00.
Is there a toll-free support number?
There is no publicly available information indicating the existence of a toll-free support number.
What is the email address for technical support?
The official contact email is [email protected]; no separate technical support email is publicly listed.
Are there separate emails for different types of inquiries?
No verified information about specialized email addresses for different inquiries is found.
Where can I find the online chat support?
There is no information available about online chat support for Tolga-Os Sparebank on the official website or other sources.
Does the chat support work 24/7?
No verified data about chat support or 24/7 availability is found.
Is there support through messengers (Telegram, WhatsApp)?
No information about support via Telegram or WhatsApp is publicly available.
What are the support working hours?
Phone-based customer service is open Monday to Friday from 09:00 to 15:00; an external support service covers other hours.
Does support work on weekends and holidays?
External customer support is available 24/7 on weekends and holidays.
Are there regional offices for in-person visits?
Yes, physical branches are available for in-person customer service.
Where are the physical offices located?
The main office is located at Ivarsveien 2, 2540 Tolga, Norway, with additional branches in the region including Os, Tynset, and Elverum.
Can I schedule a personal meeting?
Yes, personal meetings can be scheduled by contacting the bank directly via phone or email.
Are there representatives in different countries?
No information indicates international representative offices; operations focus on Norway.
In which languages is support available?
Support is primarily in Norwegian; English support is likely available on request.
How quickly does support respond to requests?
Phone support provides immediate response during working hours; email response times are typically within one business day.
Is there a priority system for VIP clients?
No specific VIP customer service program is publicly disclosed.
Can I request a callback?
No explicit callback service information available.
When was the payment service founded?
Tolga-Os Sparebank was founded in 1865.
Who is the founder and owner of the service?
The bank was founded locally in Tolga municipality; it is owned by its equity certificate holders.
In which country is the company registered?
Norway.
What is the development history of the payment service?
Founded in 1865, Tolga-Os Sparebank has expanded its core market across Østerdalen, Elverum, and Hamar, growing as a local savings bank with multiple branches and diversified services.
Have there been major updates or rebranding?
No publicly noted major rebranding or update events.
Who sits on the company's board of directors?
Detailed board information is not publicly available.
Are there investors or partners in the service?
The bank participates in the Lokalbanksamarbeidet cooperative alliance and partners with entities like Eika Boligkreditt and Verd Boligkreditt.
Does the company participate in stock trading?
Yes, Tolga-Os Sparebank’s securities are traded under ticker TOSB24 PRO.
What is the company's market capitalization?
Specific up-to-date market capitalization figures are not publicly provided.
Are there subsidiary companies or branches?
The bank operates five branch offices plus an expanding presence with a sixth branch opening in Hamar by end-2024.
What licenses does the payment service have?
Licensed as a Norwegian savings bank under national financial regulations.
In which jurisdictions does the service operate officially?
Official operations are within Norway.
Are there licenses for cryptocurrency operations?
No cryptocurrency licenses are publicly indicated.
Does the service comply with AML/KYC requirements?
The bank complies with AML/KYC regulations as per Norwegian law.
Are there security certificates (PCI DSS, etc.)?
No specific certificates publicly listed, though banking security standards are adhered to.
Has the service undergone security audits?
Regular security audits are standard though no public specifics available.
Is there insurance for client funds?
Client funds are protected by Norway’s deposit guarantee scheme.
Which international standards does it comply with?
Complies with Norwegian and European banking regulations and standards.
Have there been any regulatory fines or violations?
No public records of fines or regulatory violations.
Where can I find real reviews about the service?
User feedback may be found on local Norwegian review platforms and banking forums.
What are the main user complaints?
No verified specific complaints available.
What do users most often praise the service for?
The bank is praised for local community focus, reliability, and customer service.
Are there issues with fund withdrawals?
No public reports of withdrawal issues.
Is the interface convenient according to users?
No detailed user feedback on interface usability accessed.
Are clients satisfied with transaction speed?
No comprehensive public data on transaction speed satisfaction.
Do users recommend this service?
Local clients often recommend it for regional banking needs.
How do experts assess the service's reliability?
Experts view it as financially stable with a strong capital position.
Are there industry awards and recognitions?
No specific awards publicly noted.
Does the service participate in payment system rankings?
Not listed in global payment system rankings.
Are there recommendations from financial regulators?
The bank complies with regulatory standards; no special endorsements.
What reputation does the service have among partners?
Tolga-Os Sparebank is viewed positively within local banking cooperatives and partnerships.
How do they evaluate solution innovation?
Innovation is focused on reliable banking and shared IT services with partners.
Are there quality service certificates?
Standard banking certifications implied; no special certificates publicized.
Does the company participate in industry conferences?
No public data on industry conference participation.
How does the service position itself in the market?
Positioned as a strong local savings bank with community focus and cooperative partnerships.
Which fiat currencies does the service support?
Primarily Norwegian Krone (NOK).
Are cryptocurrencies supported? Which ones specifically?
No cryptocurrency services.
Can currencies be converted within the service?
Currency conversion available for international payments.
What exchange rates are used for conversion?
Bank-determined exchange rates reflecting market conditions.
How often are exchange rates updated?
Frequently, usually daily or per transaction.
Can exotic currencies be handled?
Only commonly traded currencies for international payments.
Are there currency restrictions in different countries?
Subject to Norwegian and international currency regulations.
What types of transfers does the service support?
Domestic transfers, international SWIFT payments, card payments, invoicing.
Can transfers be made between service users?
Yes, internal account transfers supported.
Are transfers to bank cards supported?
Yes, as allowed under typical card services.
Can money be transferred to bank accounts?
Yes, domestic and international bank transfers supported.
Are recurring payments supported?
Yes, recurring payments can be set up.
Can automatic transfers be set up?
Yes, automated scheduling available.
Are group payments supported?
No specific data available.
Can payment links be created?
No public information available.
What are the minimum transaction amounts in the service?
Not publicly disclosed.
What are the maximum amounts that can be transferred?
Subject to account limits and regulatory caps.
Are there daily limits on operations?
Daily limits apply based on account and verification.
What monthly and annual limits are in effect?
Limits vary by verification and account type.
Can limits be increased? How?
Through application and verification.
Do limits differ for verified users?
Yes, higher limits for verified accounts.
Are there restrictions for new accounts?
New accounts typically have lower limits.
Do special limits apply in different countries?
Operating only in Norway, local regulations govern limits.
Can operations be temporarily blocked?
Yes, for security or regulatory reasons.
Are there limits on the number of daily operations?
Possibly yes, to prevent fraud.
What are the minimum amounts for account funding?
Varies by funding method.
What methods of funding are supported?
Bank transfers, card payments, direct deposits.
Are there fees for funding?
Typically no fees for standard deposits.
What are the minimum funding amounts?
No minimum publicly specified.
How quickly are funds credited when funding?
Same day or next business day for domestic transfers.
How can money be withdrawn from the system?
ATM withdrawals, bank transfers, branch office withdrawals.
Are there fees for fund withdrawal?
Fees may apply based on withdrawal method.
How long does withdrawal take?
1-3 business days typically.
What withdrawal limits are set?
Dependent on account type and verification.
How quickly are funds credited when funding with a card?
Usually instant or within minutes.
How long does a bank transfer take?
Typically 1 business day domestically.
How quickly do cryptocurrency transfers arrive?
Not supported.
Are transfers between users instant?
Internal transfers are usually instant.
Are there delays when funding on weekends?
Yes, banking delays apply on weekends.
Can crediting be accelerated for a fee?
No public info on express funding.
What determines the speed of funding processing?
Cutoff times, networks used, intermediaries.
Are there notifications about funding status?
Yes, via online banking or SMS.
What to do if funding takes too long?
Contact customer support.
How quickly are withdrawal requests processed?
Within one business day.
How long does card withdrawal take?
Instant at ATM.
How quickly do bank transfers arrive?
1 business day.
Are cryptocurrency withdrawals instant?
Not supported.
Are there withdrawal delays on weekends?
Yes, processed next business day.
Can withdrawal be accelerated for an additional fee?
No info.
What determines withdrawal processing time?
Verification and banking policies.
Are there notifications about withdrawal status?
Yes, via SMS or online banking.
Can a withdrawal request be canceled?
Possibly if processed early; contact bank immediately.
How to register with the payment service?
Register online or in branch with valid ID.
What data is needed to create an account?
Personal data, identification documents, address proof.
Can registration be done without email?
Email required in most cases.
Is phone confirmation required during registration?
Likely for verification.
Are there age restrictions for registration?
Minimum 18 years old.
Can a corporate account be created?
Yes, with relevant documentation.
Is it required to provide real data?
Yes, for compliance.
Are there country restrictions for registration?
Only residents of Norway or legal entities.
How long does account activation take?
Few days after verification.
What verification levels exist?
Basic and enhanced verification.
What documents are required for basic verification?
Passport or national ID and proof of address.
Are documents needed for full verification?
Additional proofs like income may be required.
How long does the verification procedure take?
Few business days.
What restrictions apply to unverified users?
Lower limits and reduced access.
Is a selfie with documents required?
Possibly for full verification.
How often do documents need to be updated?
Every few years or as requested.
What encryption technologies does the service use?
TLS/SSL industry standards.
Is biometric authentication supported?
Possibly in mobile banking apps.
Is blockchain technology used?
No known public use.
Is there a multi-level security system?
Yes, layered security is standard in banking.
How is user personal data protected?
Compliance with GDPR and Norwegian data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Banks implement DDoS protections; details not public.
What anti-phishing protection measures are provided?
Education and alerts.
How does the service combat money laundering?
Through transaction monitoring and compliance reporting.
What to do when fraud is detected?
Contact bank immediately.
How to report suspicious activity?
Through customer service.
Is there compensation for damage from fraudsters?
Deposit guarantee covers some losses.
What user rights exist for disputed transactions?
Users can dispute under payment regulations.
How to dispute account blocking?
Contact support with evidence.
Is there insurance against cyber attacks?
Possibly, but no public detail.
What fees does the service charge for transfers?
Varies; international transfers typically incur fees.
Are there fees for account funding?
Generally no fees.
Are fees charged for fund withdrawal?
Withdrawal fees may apply.
Are there fees for currency conversion?
Standard foreign exchange fees apply.
Are there fees for account inactivity?
No criteria publicly stated.
Are there account maintenance fees?
May apply based on account type.
Are fees charged for operation cancellation?
Not generally.
Are there fees for expedited operations?
No public info.
Are there hidden fees?
No; fees disclosed as per regulation.
How are fees calculated for large amounts?
Tiered or negotiated.
Are there different tariff plans in the service?
Yes, personal and business tariffs.
What advantages does VIP status provide?
Not publicly described.
How to get preferential conditions?
By negotiation or account type.
Are there free operations per month?
Some free transactions included in account plans.
Are there discounts for active users?
No publicly advertised.
Can individual conditions be obtained?
Possibly for large clients.
Do promotional codes work for fee reduction?
No info.
Are there discounts for transaction volumes?
Volume discounts possible for businesses.
On which platforms is the application available?
iOS and Android.
What functions are available in the mobile application?
Account overview, payments, transfers, notifications.
Does functionality differ from the web version?
Web generally has fuller features.
Is Touch ID/Face ID supported?
Yes, in the app.
Can the application work offline?
Limited functionality offline.
Is dark theme supported?
Not publicly stated.
How often is the mobile application updated?
Regularly.
Are there beta versions of the application?
No info.
Is the web interface of the service convenient?
User-friendly and responsive.
In which languages is the interface available?
Primarily Norwegian.
Can data be exported?
Yes, statements can be exported.
Is there an API for developers?
Yes, APIs for accounts and payments exist.
Is integration with other services supported?
Integration with ERP systems is available.
How often is the web interface updated?
Periodically for security and features.
Is multi-currency account functionality supported?
Not mainly.
Are there credit products?
Loans and mortgages available.
Are mass payouts supported?
Not publicly confirmed.
How are bonus points earned?
Not applicable.
What privileges do VIP clients have?
Not detailed.
Does the service allow operations with online casinos?
No specific info.
Are there restrictions on gambling transactions?
Likely subject to national regulations.
Can accounts be blocked for casino play?
Possibly under suspicious activity policies.
How does the service view gambling?
No official stance public.
Are casino transactions tracked?
Banks monitor transactions for compliance.
Can limits be set on gambling?
No bank-provided limits reported.
Is there a self-exclusion function?
No bank-specific function reported.
Can operations with casinos be blocked?
Yes, under compliance rules.
Can help be obtained for gambling addiction?
Bank may refer clients externally.
How to set up gambling expense notifications?
Not supported.
Which online casinos accept this payment method?
Not publicly known.
Are there geographic restrictions for casino usage?
Yes, per legal jurisdiction.
How do casino operators typically process transactions from this method?
Standard card and bank payments.
Are there typical processing times when used with casinos?
1-3 business days.
Do casinos usually charge additional fees for this method?
Casinos may charge fees, not bank-related.
Are there any known compatibility issues with major casino platforms?
No known issues.