What is the official website of the payment service?
https://www.valle-sparebank.no
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Where can I find the customer support contacts?
Customer support contacts are found on Valle Sparebank’s official website under their "Contact" or "Support" sections.
What is the hotline phone number?
The main customer service phone number is +47 379 36060.
Is there a toll-free support number?
There is no verified information indicating the availability of a toll-free support number for Valle Sparebank; typically local phone charges apply.
What is the email address for technical support?
The general contact email is [email protected]; separate technical support email specifically is not publicly listed.
Are there separate emails for different types of inquiries?
No specific separate departmental emails are verified; general inquiries are handled via [email protected].
Where can I find the online chat support?
No verified information about online chat support availability on Valle Sparebank’s web presence.
Does the chat support work 24/7?
Not applicable due to lack of verified chat support.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information available on support via Telegram, WhatsApp, or similar messengers.
What are the support working hours?
Customer support operating hours are Monday to Friday, from 09:00 to 15:00.
Does support work on weekends and holidays?
Customer support does not operate on weekends or public holidays.
Are there regional offices for in-person visits?
Yes, Valle Sparebank offers in-person visits at multiple office locations in Norway.
Where are the physical offices located?
Offices are located at Nordibøvegen 143, 4747 Valle; Markensgate 2A, 1st floor, 4610 Kristiansand; and Hunsøya Verkstedbygget, 2nd floor, 4700 Vennesla.
Can I schedule a personal meeting?
Personal meetings can be scheduled either physically at offices or digitally via Teams by booking through their calendar.
Are there representatives in different countries?
There is no information indicating Valle Sparebank has representatives in countries outside Norway.
In which languages is support available?
Customer support is provided primarily in Norwegian.
How quickly does support respond to requests?
Typical response times are within standard Norwegian banking business days; no detailed published metrics available.
Is there a priority system for VIP clients?
No verified information about a VIP customer support priority system.
Can I request a callback?
No explicit information on callback request services is publicly available.
When was the payment service founded?
Valle Sparebank was founded in 1884 as a local savings bank.
Who is the founder and owner of the service?
Founded historically as a community savings bank; it is currently owned by local stakeholders and members.
In which country is the company registered?
The company is registered in Norway.
What is the development history of the payment service?
Valle Sparebank has evolved as a local savings bank offering modern banking services including payment cards, online banking, and mobile payments aligned with Norwegian banking norms.
Have there been major updates or rebranding?
No major publicized rebranding; the bank continues to update digital services following industry standards.
Who sits on the company's board of directors?
Specific current board members are not publicly listed in the available sources.
Are there investors or partners in the service?
Valle Sparebank is a member of Eika Gruppen, a Norwegian banking group partnership.
Does the company participate in stock trading?
Valle Sparebank is a savings bank and not publicly traded on stock exchanges.
What is the company's market capitalization?
Not applicable; the bank is not publicly listed.
Are there subsidiary companies or branches?
The bank operates multiple branch offices locally but no publicly listed subsidiaries.
What licenses does the payment service have?
Authorized and supervised by the Financial Supervisory Authority of Norway with reference number 937893922.
In which jurisdictions does the service operate officially?
Officially operates within Norway.
Are there licenses for cryptocurrency operations?
No verified information indicating possession of cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Yes, compliant with Norwegian AML and KYC regulations, including customer due diligence and identity verification.
Are there security certificates (PCI DSS, etc.)?
No explicit PCI DSS certification stated, but the bank follows standard security protocols common to financial institutions.
Has the service undergone security audits?
No specific audit history publicly verified, but Norwegian banks are generally subject to regular security oversight.
Is there insurance for client funds?
Deposits covered up to 2,000,000 NOK per depositor under the Norwegian Banks' Guarantee Fund.
Which international standards does it comply with?
Complies with Norwegian and European banking regulatory standards including data protection laws.
Have there been any regulatory fines or violations?
No public records or reports of fines or regulatory violations found.
Where can I find real reviews about the service?
User reviews may be found on local Norwegian banking forums and customer feedback portals but no major global review platforms listing.
What are the main user complaints?
Not publicly detailed; typical banking complaints may include service speed or product features.
What do users most often praise the service for?
The bank is praised for local community focus and straightforward retail banking services.
Are there issues with fund withdrawals?
No widely reported withdrawal issues specific to Valle Sparebank.
Is the interface convenient according to users?
The bank offers mobile and internet banking with standard usability; no detailed user interface ratings available.
Are clients satisfied with transaction speed?
Banking transaction speeds align with typical Norwegian bank standards.
Do users recommend this service?
Recommendation data is not publicly available.
How do experts assess the service's reliability?
Experts consider Valle Sparebank a stable local bank with compliance to Norwegian banking standards.
Are there industry awards and recognitions?
No specific industry awards publicly noted.
Does the service participate in payment system rankings?
Not publicly listed in major global payment system ranking reports.
Are there recommendations from financial regulators?
The bank operates under full regulatory compliance and is recommended by Norwegian regulators for local banking services.
What reputation does the service have among partners?
Regarded as a reliable member of Eika Gruppen banking network.
How do they evaluate solution innovation?
The bank supports common modern banking features such as Apple Pay, Google Pay, and digital payment services.
Are there quality service certificates?
No specific quality service certificates publicly listed.
Does the company participate in industry conferences?
No publicized participation in major industry conferences.
How does the service position itself in the market?
Positioned as a local savings bank focusing on retail customers and SMEs with personalized service.
Which fiat currencies does the service support?
Norwegian Krone (NOK) primarily; supports international payments in major currencies via SWIFT.
Are cryptocurrencies supported? Which ones specifically?
No confirmed support for cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token issued.
Can currencies be converted within the service?
Likely supports currency conversion for international transfers, typical for banks, but no detailed specifics.
What exchange rates are used for conversion?
Market exchange rates from banking partners and financial markets are used.
How often are exchange rates updated?
Updated regularly according to market conditions, standard banking practice.
Are stablecoins supported?
No stablecoin support available.
Can exotic currencies be handled?
Exotic currency handling is not confirmed; mainly major currencies are supported.
Are there currency restrictions in different countries?
Subject to Norwegian and international regulatory restrictions as applicable.
What types of transfers does the service support?
Supports domestic transfers, international SWIFT payments, and card payments.
Can transfers be made between service users?
Internal transfers between account holders are supported.
Are transfers to bank cards supported?
Payments to bank cards are typically supported through banking networks.
Can money be transferred to bank accounts?
Yes, funds can be transferred to other bank accounts domestically and internationally.
Is bill payment available?
Supports bill payments including AvtaleGiro and eFaktura.
Are recurring payments supported?
Recurring payment options like AvtaleGiro are supported.
Can automatic transfers be set up?
Automatic transfer scheduling is supported through online banking.
Is payment scheduling available?
Payment scheduling features are available via online banking services.
Are group payments supported?
No detailed information on group payment features.
Can payment links be created?
No verified information about payment link generation.
What are the minimum transaction amounts in the service?
No publicly disclosed minimum transaction amounts found.
What are the maximum amounts that can be transferred?
Limits likely apply per internal bank policies; specifics not publicly available.
Are there daily limits on operations?
Daily limits exist as per Norwegian banking norms; exact figures not published.
What monthly and annual limits are in effect?
Monthly and annual limits apply subject to account type and verification.
Can limits be increased? How?
Limit increases typically require verification and bank approval.
Do limits differ for verified users?
Verified users normally have higher transaction limits than unverified users.
Are there restrictions for new accounts?
New accounts often have restricted limits until verification is complete.
Do special limits apply in different countries?
Limits may vary based on regulatory requirements in specific jurisdictions.
Can operations be temporarily blocked?
Operations can be blocked due to security concerns or regulatory compliance.
Are there limits on the number of daily operations?
Daily operation count limits typically exist per bank policies.
What are the minimum amounts for account funding?
No specific minimum deposit publicly listed; normal banking minimums apply.
What methods of funding are supported?
Funding via bank transfers, card payments, and possibly other standard deposit options.
Are there fees for funding?
Deposit fees usually do not apply for standard funding methods; exceptions may exist.
What are the minimum funding amounts?
Minimum funding amounts vary based on funding method and account.
How quickly are funds credited when funding?
Funds from card payments may be credited swiftly; bank transfers may take 1-3 business days.
How can money be withdrawn from the system?
Withdrawals can be made via bank transfers, ATM withdrawals, and card payments.
Are there fees for fund withdrawal?
Withdrawal fees depend on method and bank policies; standard fees possible for international payments.
How long does withdrawal take?
Domestic withdrawals generally process within one business day; international may take longer.
What withdrawal limits are set?
Withdrawal limits apply as per account type and verification.
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 usually clear same or next business day; international transfers take 2-5 days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers between banking customers usually execute instantly.
Are there delays when funding on weekends?
Funding may be delayed as banks do not process payments on weekends.
Do holidays affect funding speed?
Holidays can delay processing times for funding and withdrawals.
Can crediting be accelerated for a fee?
No specific express funding options publicly listed.
What determines the speed of funding processing?
Funding speed depends on banking network, payment method, and processing schedules.
Are there notifications about funding status?
Users receive notifications via online banking or email about funding status.
What to do if funding takes too long?
Contact customer support to resolve delays or issues with funding.
How quickly are withdrawal requests processed?
Withdrawal requests are processed during banking hours; typically 1-3 business days.
How long does card withdrawal take?
Card-based withdrawals should be immediate at ATMs, pending daily limits.
How quickly do bank transfers arrive?
Domestic transfers typically arrive same or next business day.
Are cryptocurrency withdrawals instant?
Not applicable as crypto withdrawals are not supported.
Are there withdrawal delays on weekends?
Withdrawals requested over weekends may be delayed until next business day.
Do holidays affect withdrawal speed?
Withdrawals may be delayed due to national holidays.
Can withdrawal be accelerated for an additional fee?
No publicly available express withdrawal service for additional fees.
What determines withdrawal processing time?
Depends on banking network, account type, and compliance checks.
Are there notifications about withdrawal status?
Withdrawal status is typically communicated via online banking or mobile alerts.
Can a withdrawal request be canceled?
Withdrawal cancellations depend on processing stage; if not yet processed, cancellations may be possible.
How to register with the payment service?
Registration involves applying online or in-branch, providing identity documentation, and completing KYC verification.
What data is needed to create an account?
Personal identification, contact information, proof of address, and Norwegian ID number or passport.
Can registration be done without email?
Email is generally required as a standard communication method.
Is phone confirmation required during registration?
Phone number confirmation is commonly required for verification.
Are there age restrictions for registration?
Minimum age is 18 years to open an account.
Can a corporate account be created?
Yes, Valle Sparebank offers corporate/business accounts with specific documentation requirements.
Is it required to provide real data?
Real personal and business data is required for anti-fraud and regulatory compliance.
Are there country restrictions for registration?
Accounts are primarily for residents of Norway and compliant with Norwegian bank regulations.
How long does account activation take?
Account activation generally takes up to one month following document submission and approval.
What verification levels exist?
Basic and enhanced verification levels to comply with AML/KYC.
What documents are required for basic verification?
Valid passport or Norwegian national ID and proof of address.
Are documents needed for full verification?
Additional documentation may include income proof and identity verification photos.
Are digital copies of documents accepted?
Digital document submission is accepted through online portals or email.
How long does the verification procedure take?
Verification typically completes within several business days to a few weeks.
Can the service be used without verification?
Limited usage possible but account functionality is highly restricted until verification.
What restrictions apply to unverified users?
Transaction limits, restricted access to payment services, and no access to BankID.
Is address confirmation required?
Yes, address verification is required with utility bill or official document.
Is a selfie with documents required?
A photo or selfie with identification documents may be required for enhanced verification.
How often do documents need to be updated?
Documents should be refreshed every few years or upon request by the bank.
What encryption technologies does the service use?
Uses SSL/TLS encryption to secure online and mobile banking communications.
Is two-factor authentication supported?
Two-factor authentication is supported, often through BankID or mobile verification.
Are there SMS confirmations for operations?
SMS verification is used as a secondary authentication method for transactions.
Is biometric authentication supported?
Supported in mobile app login through Touch ID or Face ID where available.
Is blockchain technology used?
No public information on blockchain use in Valle Sparebank services.
Is there a multi-level security system?
Yes, combining encryption, authentication, monitoring, and fraud detection.
How is user personal data protected?
Personal data is protected under GDPR and Norwegian personal data protection laws.
Is cold storage used for cryptocurrencies?
Not applicable as crypto services are not offered.
Is there DDoS attack protection?
Banks generally employ DDoS protection measures though specific details are not public.
Are regular security audits conducted?
Regular security audits are conducted as per Norwegian financial regulatory requirements.
What anti-phishing protection measures are provided?
Multi-factor authentication and user education help prevent phishing attacks.
Is there a suspicious activity detection system?
Yes, automated systems monitor and flag suspicious transactions.
How does the service combat money laundering?
Bank follows strict AML procedures including KYC, transaction monitoring, and reporting.
Is there blocking of suspicious accounts?
Accounts suspected of fraudulent or illegal activity are blocked pending investigation.
What to do when fraud is detected?
Users should report immediately to bank support; bank investigates and takes remedial action.
How to report suspicious activity?
Reports can be made via customer support phone, email, or in-branch.
Is there compensation for damage from fraudsters?
Compensation policies comply with Norwegian banking laws and depend on circumstances.
What user rights exist for disputed transactions?
Users can dispute transactions, request investigations, and invoke payment protection rights.
How to dispute account blocking?
Disputes can be filed with bank customer service and escalated if needed.
Is there insurance against cyber attacks?
No specific public info on cyber insurance, but banks usually have institutional coverage.
What fees does the service charge for transfers?
Fees vary by transfer type; typical fees for international transfers and some card payments apply.
Are there fees for account funding?
Usually no fees for funding by standard methods internally.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; international withdrawals may incur charges.
Are there fees for currency conversion?
Currency conversion fees apply, typical banking percentage rates or fixed fees.
Are there fees for account inactivity?
No publicly stated inactivity fees.
Are there account maintenance fees?
Account maintenance fees may apply depending on account type.
Are fees charged for operation cancellation?
Generally no fees for canceling pending operations unless specified.
Are there fees for expedited operations?
No publicly available express service fees detailed.
Are there hidden fees?
Bank commits to fee transparency as per Norwegian regulations.
How are fees calculated for large amounts?
Large transactions may incur tiered fees or require pre-approval.
Are there different tariff plans in the service?
Different pricing plans exist for personal, business, and premium services.
What advantages does VIP status provide?
No explicit VIP program details available.
How to get preferential conditions?
Preferential terms typically via premium accounts or relationship banking.
Are there free operations per month?
Some free transactions per account type may be included.
Are there discounts for active users?
No publicly available discount program information.
Are there corporate tariffs?
Corporate clients have specific pricing structures and services.
Can individual conditions be obtained?
Custom terms may be negotiated for significant clients.
Do promotional codes work for fee reduction?
No information about promotional codes for fee discounts.
Are there cashback programs?
No cashback programs publicly listed.
Are there discounts for transaction volumes?
Volume discounts may apply for business clients.
Is there an official mobile application?
Yes, Valle Sparebank provides mobile and internet banking apps.
On which platforms is the application available?
The mobile app is available for iOS and Android.
What functions are available in the mobile application?
Account management, bill payments, transfers, transaction history, and notifications.
Does functionality differ from the web version?
The app offers most core functions; some advanced features may be web-only.
Is Touch ID/Face ID supported?
The mobile app supports biometric authentication options.
Can the application work offline?
Limited offline functionality; requires online connection for transactions.
Are there push notifications about operations?
Push notifications are available for transaction alerts.
Is dark theme supported?
No verified information on dark mode support.
How often is the mobile application updated?
Mobile app updates occur periodically with security and feature improvements.
Are there beta versions of the application?
No public beta testing programs disclosed.
Is the web interface of the service convenient?
The web interface is designed for ease of use consistent with industry standards.
Is responsive design supported?
The website supports mobile-responsive design.
In which languages is the interface available?
Interface is primarily in Norwegian.
Is there a night mode for the website?
No verified night mode feature for web interface.
Are hotkeys supported?
No information about keyboard shortcuts.
Can data be exported?
Users may export transaction history in standard formats such as PDF or CSV.
Is there an API for developers?
No public developer API information available.
Is integration with other services supported?
Supports integration with common payment systems and digital wallets like Apple Pay.
How often is the web interface updated?
Web platform updates are regular but not on a fixed public schedule.
Are there virtual cards in the service?
No specific details on virtual card issuance.
Can disposable cards be created?
No information on disposable or temporary cards.
Is multi-currency account functionality supported?
No multi-currency account support publicly indicated; transactions primarily in NOK.
Are there investment products?
Yes, investment and insurance products are offered as part of banking services.
Can interest be earned on balance?
Savings accounts offer interest-bearing balances.
Are there credit products?
Yes, consumer loans, car loans, mortgages, and credit cards are available.
Is P2P trading supported?
No peer-to-peer trading platform disclosed.
Can cryptocurrencies be bought/sold?
No cryptocurrency exchange services offered.
Is there acquiring for business?
Business acquiring and merchant payment services are supported.
Are mass payouts supported?
No specific mass payout service information.
Is there a loyalty program in the service?
No publicly stated loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No cashback programs reported.
Are there referral programs?
No verified referral program details.
What privileges do VIP clients have?
No VIP client privileges publicly described.
Are there seasonal promotions and offers?
No specific seasonal promotion details.
Can premium status be obtained?
Premium banking services available for selected customers.
Are there partner discounts?
No partner discount details publicly listed.
Are there corporate loyalty programs?
No corporate loyalty programs disclosed.
Does the service allow operations with online casinos?
No verified support for casino-related transactions.
Are there restrictions on gambling transactions?
Norwegian regulations restrict certain gambling-related payments.
Can accounts be blocked for casino play?
Accounts may be blocked if involved in suspicious gambling activities.
How does the service view gambling?
Typically follows regulatory guidance restricting unlawful gambling transactions.
Are there special conditions for gambling?
No publicly stated special gambling terms.
Are casino transactions tracked?
Suspicious transactions including gambling are monitored under AML rules.
Can operations with gambling sites be hidden?
No concealment of gambling transactions; transparency required by law.
Are there notifications about gambling expenses?
No specific gambling expense alerts.
Are there special fees for gambling operations?
Not publicly stated.
Can limits be set on gambling?
No verified specific gambling spending limits.
Is there a self-exclusion function?
No specific self-exclusion tools publicly described.
Can access to gambling sites be restricted?
Banks may implement blocking measures following regulatory requirements.
Is gambling expense control supported?
Not publicly detailed.
Are there notifications about limit exceedance?
No specific notification system for this purpose.
Can operations with casinos be blocked?
Yes, suspicious activities can lead to blocking.
Is a "cooling-off period" supported?
Not publicly described.
Can help be obtained for gambling addiction?
No direct services but users may be referred to external counseling.
Is there partnership with player assistance organizations?
No public information on such partnerships.
How to set up gambling expense notifications?
No specific gambling notification setup available.
Which online casinos accept this payment method?
No specific casino affiliations.
Are there exclusive partnerships with specific casinos?
None publicly known.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
None publicly reported.
Can the method be used for both deposits and withdrawals in casinos?
Not supported or publicly described.
Are there geographic restrictions for casino usage?
Norwegian law restricts gambling payment services geographically.
How do casino operators typically process transactions from this method?
Not publicly detailed.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
Not applicable.
Are there any known compatibility issues with major casino platforms?
Not applicable.