What is the official website of the payment service?
The official website for Töysän Säästöpankki's payment services is integrated into Oma Savings Bank (OmaSp) at https://www.omasp.fi/
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Where can I find the customer support contacts?
Customer support contacts are available on the official OmaSp website under the “Contact Us” or “Customer Service” section.
What is the hotline phone number?
The main customer service phone number for Oma Savings Bank (including Töysän Säästöpankki services) is typically found on their “Customer Service” page; general branch contact centres are around +358 10 257 xxxx (exact number varies by branch).
Is there a toll-free support number?
There is no publicly listed universal toll-free number; support is usually provided via local branch phone numbers and digital channels.
What is the email address for technical support?
Technical support email addresses are not specifically published; inquiries generally route through the general contact forms or customer service emails on the main bank website.
Are there separate emails for different types of inquiries?
Common banking practice includes specialized emails for different inquiries such as loans, accounts, or digital services, though exact addresses are not publicly detailed for Töysän Säästöpankki separately.
Where can I find the online chat support?
Online chat support is available via OmaSp’s website and mobile app as part of the digital customer service offerings.
Does the chat support work 24/7?
Chat support availability is typically during business hours and extended branch hours but not guaranteed 24/7; exact hours can vary.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified indication that OmaSp or Töysän Säästöpankki offers support via Telegram or WhatsApp.
What are the support working hours?
Branch and phone support hours usually range from 08:00 to 20:00 on weekdays and shorter on Saturdays, with extended hours on some days.
Does support work on weekends and holidays?
Limited support is available on Saturdays (often 10:00 to 14:00); holidays generally have reduced or no live customer support.
Are there regional offices for in-person visits?
Yes, Töysän Säästöpankki services are available through branch offices as part of the OmaSp network.
Where are the physical offices located?
Branches serving Töysän Säästöpankki customers are located primarily in the Alajärvi, Alavus, Hyllykallio, Tuurin, and Ähtäri areas.
Can I schedule a personal meeting?
Personal meetings can be scheduled via phone or online through the bank’s customer service or branch contacts.
Are there representatives in different countries?
There are no indications of international representative offices; services focus on Finnish local and regional markets.
In which languages is support available?
Support is provided primarily in Finnish and commonly also in Swedish, as per Finnish banking standards.
How quickly does support respond to requests?
Typical response times for phone and chat can range from immediate to within a few hours during business days; email responses may take 1-2 business days.
Is there a priority system for VIP clients?
Like many banks, OmaSp may offer priority handling for premium or business clients, but specific VIP programs for Töysän Säästöpankki are not publicly detailed.
Can I request a callback?
Callback requests are typically available through the bank’s online service channels or by phone contact during business hours.
When was the payment service founded?
Töysän Säästöpankki was established as an independent savings bank historically, and it merged into Oma Savings Bank in 2009.
Who is the founder and owner of the service?
Töysän Säästöpankki’s operations are now part of Oma Savings Bank Plc, which is owned by its shareholders as a public limited company.
In which country is the company registered?
The company is registered and operates under Finnish jurisdiction.
What is the development history of the payment service?
Originally a traditional local savings bank, Töysän Säästöpankki joined with others to form Oma Savings Bank in 2009, offering expanded digital and branch banking services since then.
Have there been major updates or rebranding?
The most significant change was merging into Oma Savings Bank in 2009, including branding updates to OmaSp for all former savings banks.
Who sits on the company's board of directors?
The Board of Oma Savings Bank Plc consists of experienced Finnish banking and business professionals; detailed names are listed in corporate governance reports.
Are there investors or partners in the service?
OmaSp has strategic partners such as Finnvera Oyj, Garantia Insurance, Nordic Investment Bank, and others supporting its operations.
Does the company participate in stock trading?
Oma Savings Bank Plc is a publicly listed company on the Helsinki Stock Exchange.
What is the company's market capitalization?
Market capitalization varies with stock price; exact up-to-date market value requires current financial market data.
Are there subsidiary companies or branches?
The service operates through multiple branches throughout Finland under the OmaSp network.
What licenses does the payment service have?
Oma Savings Bank holds Finnish banking licences under the Finnish Financial Supervisory Authority and EU regulations.
In which jurisdictions does the service operate officially?
The bank operates officially in Finland.
Are there licenses for cryptocurrency operations?
No verified information about cryptocurrency-specific licenses is available for Töysän Säästöpankki or OmaSp.
Does the service comply with AML/KYC requirements?
The bank complies with all Finnish and EU Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations as required for licensed banks.
Are there security certificates (PCI DSS, etc.)?
The bank follows industry-standard security certifications, including PCI DSS for card payments, though specific certifications are not individually published.
Has the service undergone security audits?
Regular internal and external security audits and compliance checks are standard in Finnish licensed banks.
Is there insurance for client funds?
Customer deposits are protected under the Finnish deposit guarantee scheme, covering deposits up to €100,000.
Which international standards does it comply with?
The bank complies with EU banking directives, ISO standards for information security management, and PSD2 regulations for payments.
Have there been any regulatory fines or violations?
In early 2024, OmaSp faced compliance issues related to lending guidelines, leading to a police report and corrective measures.
Where can I find real reviews about the service?
Reviews can be found on Finnish banking review sites, Trustpilot, and customer feedback platforms related to OmaSp.
What are the main user complaints?
Some complaints relate to loan processing irregularities noted in 2024 and general wait times for customer service.
What do users most often praise the service for?
Customers frequently praise personalized local service, availability of personal banking advisors, and extensive digital mobile services.
Are there issues with fund withdrawals?
No widespread withdrawal issues reported; standard banking withdrawal procedures apply.
Is the interface convenient according to users?
Digital banking interfaces including online and mobile banking (OmaMobiili) are well received for usability.
Are clients satisfied with transaction speed?
Transaction speeds, including payments and transfers, are generally rated as efficient and reliable.
Do users recommend this service?
Most customers recommend OmaSp for personal and small business banking needs in regional Finland.
How do experts assess the service's reliability?
Experts recognize OmaSp as a stable regional player with strong local ties and improving digital capabilities.
Are there industry awards and recognitions?
Specific awards are not widely publicized, but OmaSp is recognized in the Finnish financial sector for customer service excellence.
Does the service participate in payment system rankings?
The bank participates in Finnish and Nordic banking industry reports and rankings.
Are there recommendations from financial regulators?
Regulators have issued warnings post-2024 compliance issues, with oversight and improvement mandates in place.
What reputation does the service have among partners?
The bank maintains strong partnerships and is respected among local enterprises and financial institutions.
How do they evaluate solution innovation?
OmaSp invests in digital banking and mobile services, showing positive innovation advancement for regional banking needs.
Are there quality service certificates?
The service adheres to Finnish quality standards in banking and customer service protocols.
Does the company participate in industry conferences?
OmaSp representatives participate actively in regional Finnish banking and fintech conferences.
How does the service position itself in the market?
OmaSp positions itself as a customer-focused regional bank with a blend of traditional personal banking and modern digital solutions.
Which fiat currencies does the service support?
The primary fiat currency supported is the Euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
There is no verified support for cryptocurrency transactions or custody.
Is there a proprietary cryptocurrency or token?
There is no proprietary cryptocurrency or token available.
Can currencies be converted within the service?
Currency conversion services are limited; main focus is on Euro transactions.
What exchange rates are used for conversion?
If available, exchange rates align with interbank and payment network rates.
How often are exchange rates updated?
Exchange rates update in real-time or daily depending on service.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Exotic or less common currencies are not supported.
Are there currency restrictions in different countries?
Currency transactions are limited within EU and Finland due to regulatory compliance.
What types of transfers does the service support?
The bank supports SEPA payments, domestic transfers, card payments, and electronic invoicing.
Can transfers be made between service users?
Peer-to-peer transfers within the service and SEPA network are supported.
Are transfers to bank cards supported?
Transfers to bank cards may be supported through linked accounts and payment cards.
Can money be transferred to bank accounts?
Yes, direct bank account transfers domestically and within SEPA area are supported.
Is bill payment available?
Electronic bill payment services are available with support for common Finnish billers.
Are recurring payments supported?
Recurring payment setups are supported through online banking and card services.
Can automatic transfers be set up?
Automatic transfers and payment scheduling are available features.
Is payment scheduling available?
Yes, payment scheduling is supported.
Are group payments supported?
Specific group payment or splitting features are not prominently advertised.
Can payment links be created?
Payment link creation is not a publicly available feature.
What are the minimum transaction amounts in the service?
Minimum transaction limits depend on the payment type; typically very low or no minimum for payments.
What are the maximum amounts that can be transferred?
Maximum limits depend on account type and verification, typically aligned with regulatory requirements.
Are there daily limits on operations?
Daily transaction limits apply to prevent fraud; limits vary by account and customer verification.
What monthly and annual limits are in effect?
Monthly and annual limits conform to Finnish banking regulations and AML policies.
Can limits be increased? How?
Limits can be increased upon request and verification through customer service or branch contact.
Do limits differ for verified users?
Verified users have higher transaction and transfer limits compared to unverified or basic accounts.
Are there restrictions for new accounts?
New accounts may have initial restrictions on transaction amounts until verification is complete.
Do special limits apply in different countries?
Limits primarily apply in Finland; cross-border limits comply with EU regulations.
Can operations be temporarily blocked?
Transactions can be blocked due to suspected fraud, compliance reasons, or security concerns.
Are there limits on the number of daily operations?
Daily operation limits may be enforced to prevent fraud and manage risk.
What are the minimum amounts for account funding?
Minimum deposit amounts vary; often low or none for standard accounts.
What methods of funding are supported?
Funding via bank transfers, debit/credit cards, and possibly mobile payments are supported.
Are there fees for funding?
Funding fees are generally low or none for bank transfers; card funding fees may apply.
What are the minimum funding amounts?
Minimum funding varies by method, commonly no strict minimum for bank transfer funding.
How quickly are funds credited when funding?
Bank transfer funds are typically credited within same day or 1 business day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM, bank transfers, or to linked payment cards.
Are there fees for fund withdrawal?
Fees may apply for certain withdrawal types, especially international or card withdrawals.
How long does withdrawal take?
Withdrawals via bank transfers usually take 1-2 business days; ATM withdrawals are instant.
What withdrawal limits are set?
Withdrawal limits depend on card type and account status, aligned with security policies.
How quickly are funds credited when funding with a card?
Card funding is typically credited instantly or within minutes.
How long does a bank transfer take?
Domestic bank transfers take 1 business day; SEPA transfers are usually within 1-2 business days.
How quickly do cryptocurrency transfers arrive?
No cryptocurrency transfers supported.
Are transfers between users instant?
Internal transfers within the bank system are usually instant or near instant.
Are there delays when funding on weekends?
Funding on weekends may be delayed until next business day.
Do holidays affect funding speed?
Holidays generally cause delays in processing funding and withdrawals.
Can crediting be accelerated for a fee?
Some express transfer options may be available for additional fees.
What determines the speed of funding processing?
Processing speed depends on payment method, bank entity involved, and time of day.
Are there notifications about funding status?
Customers receive notifications via email or mobile app on funding status.
What to do if funding takes too long?
Contact customer service immediately to investigate delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed typically within one business day.
How long does card withdrawal take?
Card withdrawals, including ATM, are generally instant.
How quickly do bank transfers arrive?
Usually within 1-2 business days domestically.
Are cryptocurrency withdrawals instant?
Not applicable as no crypto withdrawals available.
Are there withdrawal delays on weekends?
Yes, bank withdrawal processing usually pauses on weekends.
Do holidays affect withdrawal speed?
Yes, withdrawals can be delayed by bank holidays.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options may be available with fees.
What determines withdrawal processing time?
Processing time depends on bank clearing systems, payment network, and timing of request.
Are there notifications about withdrawal status?
Customers receive updates via app or email on withdrawal status.
Can a withdrawal request be canceled?
Cancellation is possible if done before processing; timeframe depends on bank policies.
How to register with the payment service?
Registration is done online or in-branch, requiring identity verification.
What data is needed to create an account?
Personal identification, contact details, and in some cases proof of address are required.
Can registration be done without email?
Email is generally required for online banking registration and communication.
Is phone confirmation required during registration?
Phone verification is typically required to ensure security.
Are there age restrictions for registration?
Minimum age is 18 years for account holding.
Can a corporate account be created?
Yes, corporate accounts are available with additional documentation.
Is it required to provide real data?
Real and verifiable data are mandatory due to AML and KYC regulations.
Are there country restrictions for registration?
Only residents or entities in Finland or EU typically can register.
How long does account activation take?
Activation usually takes from immediate to a few business days after verification.
What verification levels exist?
Basic and enhanced verification levels exist depending on the account type.
What documents are required for basic verification?
Identification documents such as passport or ID card and proof of residence.
Are documents needed for full verification?
Full verification requires additional documentation such as income proof and business documents for corporate users.
Are digital copies of documents accepted?
Digital document uploads are accepted for verification.
How long does the verification procedure take?
Verification takes usually 1-3 business days.
Can the service be used without verification?
Unverified users have limited functionality and transaction restrictions.
What restrictions apply to unverified users?
Limited transaction limits and no access to advanced services.
Is address confirmation required?
Yes, address confirmation is part of the verification process.
Is a selfie with documents required?
Biometric selfies may be required for enhanced identity validation online.
How often do documents need to be updated?
Documents should be updated periodically or upon request by the bank.
What encryption technologies does the service use?
The service uses SSL/TLS encryption and advanced cryptographic protocols for data security.
Is two-factor authentication supported?
Yes, 2FA is supported via mobile app or code generator.
Are there SMS confirmations for operations?
Yes, SMS codes are used for transaction confirmation.
Is biometric authentication supported?
Yes, biometric login (fingerprint, Face ID) is supported in mobile apps.
Is blockchain technology used?
No public indications of blockchain implementation.
Is there a multi-level security system?
Yes, the system employs layered security including firewalls, encryption, and monitoring.
How is user personal data protected?
Personal data is protected following GDPR and Finnish data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable; cryptocurrencies are not serviced.
Is there DDoS attack protection?
The bank has measures in place against DDoS attacks.
Are regular security audits conducted?
Yes, regular audits and vulnerability assessments are part of security management.
What anti-phishing protection measures are provided?
Customer education, email filtering, and multi-authentication protect against phishing.
Is there a suspicious activity detection system?
Yes, transaction monitoring and fraud detection systems are active.
How does the service combat money laundering?
Strong AML policies including KYC, transaction monitoring, and reporting.
Is there blocking of suspicious accounts?
Suspicious accounts are promptly suspended pending investigation.
What to do when fraud is detected?
Customers should immediately report to the bank’s fraud department.
How to report suspicious activity?
Reports can be made via the bank’s customer service channels.
Is there compensation for damage from fraudsters?
The bank offers protections under Finnish banking consumer protection laws.
What user rights exist for disputed transactions?
Users have rights to dispute and seek reversal under PSD2 and local regulation.
How to dispute account blocking?
Customers can appeal through customer service and formal complaint processes.
Is there insurance against cyber attacks?
The bank carries appropriate cyber insurance as per Finnish financial sector standards.
What fees does the service charge for transfers?
Fees depend on transfer type; domestic SEPA transfers are often free or low cost, international vary.
Are there fees for account funding?
Funding fees are generally minimal or none for standard methods.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method, with some fees for card or international withdrawals.
Are there fees for currency conversion?
Currency conversion fees apply when applicable, varying by amount and currency.
Are there fees for account inactivity?
Inactivity fees are generally not charged.
Are there account maintenance fees?
Some account types may carry maintenance fees depending on service level.
Are fees charged for operation cancellation?
Cancellations typically do not incur fees unless related to third-party services.
Are there fees for expedited operations?
Express services may have additional fees.
Are there hidden fees?
Transparent fee schedules are published; hidden fees are not common.
How are fees calculated for large amounts?
Volume-based fee discounts or specific pricing may apply.
Are there different tariff plans in the service?
Standard and premium/tiered pricing options exist depending on customer segment.
What advantages does VIP status provide?
VIP accounts may offer personalized service, exclusive offers, and higher limits.
How to get preferential conditions?
Preferential services are negotiated through relationship managers for qualifying clients.
Are there free operations per month?
Some accounts include a number of free transactions per month.
Are there discounts for active users?
Discounts or rebates may be available based on transaction volume or loyalty.
Are there corporate tariffs?
Corporate pricing plans are offered with tailored packages.
Can individual conditions be obtained?
Custom conditions can be requested for clients with special needs.
Do promotional codes work for fee reduction?
Promotional codes are not typically used.
Are there cashback programs?
Cashback rewards are not commonly offered.
Are there discounts for transaction volumes?
Volume-based pricing discounts may be available.
Is there an official mobile application?
Yes, OmaSp provides an official mobile banking app called OmaMobiili.
On which platforms is the application available?
The app is available on iOS and Android.
What functions are available in the mobile application?
The app supports account management, payments, transfers, card control, and digital authentication.
Does functionality differ from the web version?
The mobile app offers most key functionalities; some detailed services may be web-only.
Is Touch ID/Face ID supported?
Yes, biometric login methods are supported.
Can the application work offline?
Limited offline functionality; most features require internet connection.
Are there push notifications about operations?
Yes, users receive push notifications for transactions and alerts.
Is dark theme supported?
Dark mode is available in mobile apps.
How often is the mobile application updated?
The app is regularly updated, typically several times a year.
Are there beta versions of the application?
Beta testing is conducted internally or with select users.
Is the web interface of the service convenient?
The web interface is user-friendly with responsive design.
Is responsive design supported?
Yes, the website adapts well to different screen sizes.
In which languages is the interface available?
Finnish, Swedish, and English user interface options are provided.
Is there a night mode for the website?
Night mode or dark theme is available on the website.
Are hotkeys supported?
Hotkey support is limited or not standard on banking platforms.
Can data be exported?
Account statements and transaction data can be exported for personal use.
Is there an API for developers?
No public API is offered for external developer access.
Is integration with other services supported?
Integrations with payment networks and Finnish banking standards are supported.
How often is the web interface updated?
Updates are rolled out periodically to enhance security and usability.
Are there virtual cards in the service?
Virtual cards may be offered as part of card services.
Can disposable cards be created?
Disposable or single-use virtual cards are generally not offered.
Is multi-currency account functionality supported?
Multi-currency accounts are not typical; Euro accounts dominate.
Are there investment products?
Investment services are offered including savings, certificates, and asset management.
Can interest be earned on balance?
Interest-bearing accounts are available for savings and deposits.
Are there credit products?
The bank offers loans, mortgages, consumer credit, and corporate financing.
Is P2P trading supported?
Peer-to-peer trading is not a service provided.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange services are offered.
Is there acquiring for business?
Merchant acquiring services may be provided via partner networks but no direct acquiring platform is publicized.
Are mass payouts supported?
Bulk payment functionality is typically available for corporate customers.
Is there a loyalty program in the service?
No specific loyalty program is publicly known.
How are bonus points earned?
N/A for this bank.
Is there cashback for operations?
Cashback is not commonly offered.
Are there referral programs?
No public referral program details found.
What privileges do VIP clients have?
VIP clients receive enhanced advisory services and prioritized support.
Are there seasonal promotions and offers?
Promotions may be offered from time to time in products and loans.
Can premium status be obtained?
Premium account status is available through banking relationship criteria.
Are there partner discounts?
Partner discounts may be available with associated service providers.
Are there corporate loyalty programs?
Corporate clients may have tailored loyalty and pricing programs.
Does the service allow operations with online casinos?
No explicit service for online casino transactions; subject to legal restrictions.
Are there restrictions on gambling transactions?
Gambling transactions may be restricted or flagged by compliance systems.
Can accounts be blocked for casino play?
Accounts may be blocked if suspicious gambling activity violates terms.
How does the service view gambling?
Gambling transactions are monitored for compliance with Finnish laws.
Are there special conditions for gambling?
Specific gambling transaction conditions are governed by local regulations.
Are casino transactions tracked?
Yes, all transactions are monitored for regulatory compliance.
Can operations with gambling sites be hidden?
No; transparency and compliance require record-keeping.
Are there notifications about gambling expenses?
There are no dedicated gambling expense alerts.
Are there special fees for gambling operations?
Gambling transactions may incur standard payment processing fees.
Can limits be set on gambling?
Spending limits on gambling can be self-imposed by customers through bank tools.
Is there a self-exclusion function?
Self-exclusion may be supported through bank and gambling operator cooperation.
Can access to gambling sites be restricted?
Banks do not directly block sites but comply with regulatory restrictions.
Is gambling expense control supported?
Expense control is generally the customer's responsibility, supported by bank tools.
Are there notifications about limit exceedance?
Alerts can be set for transaction limits generally, not specifically gambling.
Can operations with casinos be blocked?
Yes, suspicious casino-related transactions can be blocked.
Is a "cooling-off period" supported?
Banks promote responsible banking but cooling-off periods are managed by gambling operators.
Can help be obtained for gambling addiction?
Help is available through Finnish social services and NGO partnerships.
Is there partnership with player assistance organizations?
Banks cooperate indirectly via public health and social support networks.
How to set up gambling expense notifications?
Customers should use banking alert functions and consult with support.
Which online casinos accept this payment method?
Information on acceptance varies; standard card payments by OmaSp likely accepted generally.
Are there exclusive partnerships with specific casinos?
None publicly known.
Do conditions differ when used in different casinos?
Terms depend on casino and banking processor.
Are there special bonuses for using this method in casinos?
No special bonuses noted.
Can the method be used for both deposits and withdrawals in casinos?
Card payments can generally be used for deposits; withdrawal support depends on casino policies.
Are there geographic restrictions for casino usage?
Geographic restrictions follow Finnish law and casino licensing.
How do casino operators typically process transactions from this method?
As standard card or bank payment transactions subject to regulatory review.
Are there typical processing times when used with casinos?
Processing times follow normal banking and card settlement times.
Do casinos usually charge additional fees for this method?
Some casinos may charge payment fees; these are not set by the bank.
Are there any known compatibility issues with major casino platforms?
No known widespread compatibility issues.