What is the official website of the payment service?
https://www.vestjyskbank.dk
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Where can I find the customer support contacts?
Customer service contact details are listed in the "Kontakt" section at the bottom of the homepage
What is the hotline phone number?
+45 96 63 21 11
Is there a toll-free support number?
Vestjysk Bank does not appear to offer a dedicated toll-free number; customer support uses standard national numbers
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Customers can use the general [email protected] for inquiries; some departments have specialized addresses found in the "Kontakt" section
Where can I find the online chat support?
Online chat support availability is indicated inside Netbank portal for authenticated clients; not shown on public site
Does the chat support work 24/7?
Chat support usually operates during business hours on weekdays, with limited or no access outside these times
Is there support through messengers (Telegram, WhatsApp)?
Most Danish banks do not provide direct support via messengers; clients are redirected to phone, email, or website forms
What are the support working hours?
Customer support typically operates Monday to Friday, 9:00–16:00; hours may differ for specific departments or branches
Does support work on weekends and holidays?
Support is usually unavailable on weekends and Danish public holidays except for urgent assistance via specific hotlines
Are there regional offices for in-person visits?
Vestjysk Bank maintains several regional branches across Denmark for in-person services
Where are the physical offices located?
Offices are located in towns including Lemvig, Herning, Ringkøbing, Skive, Holstebro, and others—the full list is on their website
Can I schedule a personal meeting?
Personal meetings can be scheduled via phone or online booking form; advance reservation is recommended
Are there representatives in different countries?
Vestjysk Bank operates within Denmark and does not maintain international representative offices
In which languages is support available?
Support is available in Danish; limited English-language assistance may be offered for international clients
How quickly does support respond to requests?
Email and online form queries are typically answered within 1–2 business days; phone is usually immediate during hours
Is there a priority system for VIP clients?
Priority support for premium banking clients is available, with dedicated advisors and expedited service
Can I request a callback?
Clients can request callbacks via online forms or by leaving a message with customer service
When was the payment service founded?
Vestjysk Bank was established in 1874
Who is the founder and owner of the service?
The bank traces its roots to local Danish investors; currently, it is publicly listed with major shareholders
In which country is the company registered?
Denmark
What is the development history of the payment service?
Vestjysk Bank began as a local financial institution in Lemvig, Denmark, growing via mergers and digitalization to become a regional bank
Have there been major updates or rebranding?
The bank underwent notable mergers and digital transitions, including the integration of Aarhus Lokalbank and major system upgrades
Who sits on the company's board of directors?
The board consists of local business representatives and industry professionals; names are listed in the "Investor" section of their website
Are there investors or partners in the service?
Vestjysk Bank is publicly listed with investors including industry groups and funds; partnerships include Danish payment networks
Does the company participate in stock trading?
Yes, Vestjysk Bank is listed on Nasdaq Copenhagen, trading under the ticker VJBA
What is the company's market capitalization?
Market capitalization fluctuates; the latest value can be found on financial websites like Nasdaq or Bloomberg
Are there subsidiary companies or branches?
Vestjysk Bank operates only as a bank pursuant to Danish law; no major subsidiaries exist
What licenses does the payment service have?
The bank is licensed by the Danish Financial Supervisory Authority to provide banking and payment services
In which jurisdictions does the service operate officially?
Vestjysk Bank operates officially in Denmark under Danish financial law
Are there licenses for cryptocurrency operations?
No specific licenses for cryptocurrency services are listed; operations are focused on traditional banking
Does the service comply with AML/KYC requirements?
Vestjysk Bank follows strict AML and KYC policies in line with Danish and EU financial regulations
Are there security certificates (PCI DSS, etc.)?
The bank’s payment systems comply with standard European and global banking security certifications, such as PCI DSS for card operations
Has the service undergone security audits?
Regular internal and external audits are performed as required by law and best practices for Danish banks
Is there insurance for client funds?
Deposits are insured under the Danish deposit guarantee scheme, covering up to €100,000 per client
Which international standards does it comply with?
Vestjysk Bank complies with European PSD2, GDPR, AML/KYC standards, and national banking security laws
Have there been any regulatory fines or violations?
No publicly documented fines or major regulatory violations in recent years
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, Google Maps, and Danish consumer finance forums
What are the main user complaints?
Common complaints concern loan processing speed, account opening delays, and limited English-language support
What do users most often praise the service for?
Users praise friendly local staff, prompt branch service, reliable digital banking, and personalized advisory
Are there issues with fund withdrawals?
Users rarely report major withdrawal issues; incidents usually relate to transfer delays during holidays or cut-off times
Is the interface convenient according to users?
The Netbank web interface is regarded as modern and simple, though some users note navigation could be improved on mobile
Are clients satisfied with transaction speed?
Transaction speed is generally seen as satisfactory, with most payments processed instantly or within one day
Do users recommend this service?
Vestjysk Bank has a positive recommendation rate, especially among local clients and small businesses
How do experts assess the service's reliability?
Financial sector experts cite Vestjysk Bank's compliance, uptime, and conservative risk management as above industry standard
Are there industry awards and recognitions?
The bank has received awards for local financial innovation and is recognized by Danish chambers of commerce
Does the service participate in payment system rankings?
Vestjysk Bank is regularly featured in Danish banking evaluations and sector rankings
Are there recommendations from financial regulators?
Vestjysk Bank is considered a compliant and publicly endorsed provider by Danish regulators
What reputation does the service have among partners?
Partners value Vestjysk Bank as reliable, professional, and focused on local business relationships
How do they evaluate solution innovation?
The bank is recognized for implementing modern digital banking systems and mobile apps, though not pioneering fintech trends
Are there quality service certificates?
Vestjysk Bank is certified under relevant Danish and EU standards for financial services quality
Does the company participate in industry conferences?
Staff and leadership often participate in Danish banking expos, seminars, and compliance forums
How does the service position itself in the market?
Vestjysk Bank emphasizes personal service, local expertise, and adaptability to business and individual needs
Which fiat currencies does the service support?
Primarily Danish krone (DKK); euro (EUR) accounts also available for certain customers
Are cryptocurrencies supported? Which ones specifically?
Vestjysk Bank does not support cryptocurrency products or holdings
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token is issued or used
Can currencies be converted within the service?
Currency conversion is offered for supported international transfers and accounts via standard banking procedures
What exchange rates are used for conversion?
Official rates are taken from interbank sources and updated according to market conditions
How often are exchange rates updated?
Exchange rates are refreshed multiple times daily according to market movements
Are stablecoins supported?
Stablecoins are not supported by Vestjysk Bank
Can exotic currencies be handled?
Limited exotic currency handling is available for wire transfers only; check with branch for details
Are there currency restrictions in different countries?
Currency operations are subject to Danish and EU regulations; some restrictions apply in high-risk jurisdictions
What types of transfers does the service support?
The bank supports SEPA transfers, domestic transfers, SWIFT payments, standing orders, and instant payments
Can transfers be made between service users?
Yes, instant domestic account-to-account transfers are possible between Vestjysk Bank clients
Are transfers to bank cards supported?
Transfers to Danish bank cards are supported for approved recipient cards; specific conditions apply
Can money be transferred to bank accounts?
Yes, funds can be transferred to both Danish and international bank accounts via standard wire
Is bill payment available?
Bill payment services are offered via Netbank and mobile app, supporting utility and invoice payments
Are recurring payments supported?
Recurring payments can be set up in Netbank and mobile platforms for bills and transfers
Can automatic transfers be set up?
Automatic transfers can be arranged for regular payments via online banking interfaces
Is payment scheduling available?
Payment scheduling is available for future-dated transfers and payments through banking portals
Are group payments supported?
Shared/group payments are generally handled manually; specialized group payment tools are not advertised
Can payment links be created?
Payment links and invoicing via links are not core features; businesses may use third-party integrations
What are the minimum transaction amounts in the service?
Minimum amounts vary by method; common minimums are DKK1 for standard transfers
What are the maximum amounts that can be transferred?
Maximum transfer amounts depend on account type, verification, and transaction method; details available upon request
Are there daily limits on operations?
Daily limits are applied for security and can be adjusted by client request subject to compliance checks
What monthly and annual limits are in effect?
Monthly and annual limits depend on account status, transaction type, and regulatory considerations
Can limits be increased? How?
Limits can be increased after identity verification, with requests made through Netbank or at branches
Do limits differ for verified users?
Enhanced verification enables higher transaction and account limits for personal and business clients
Are there restrictions for new accounts?
New accounts may have initial transaction and funding limits until verification is completed
Do special limits apply in different countries?
Cross-border transactions may have additional limits due to legal and AML requirements
Can operations be temporarily blocked?
Operations can be temporarily blocked upon security checks, suspicious activity, or by user request
Are there limits on the number of daily operations?
Number-of-operation limits may exist for security, especially in online banking environments
What are the minimum amounts for account funding?
Minimum account funding is typically DKK1 for most products; some savings and loans have higher minimums
What methods of funding are supported?
Account funding methods include domestic/international bank transfers, instant transfers, cash deposits at branches
Are there fees for funding?
Standard account funding in local currency is typically fee-free; charges may apply to foreign currency or special deposits
What are the minimum funding amounts?
Minimum amounts vary by method and account type; check product terms for specific details
How quickly are funds credited when funding?
Domestic transfers and instant payments are usually credited within seconds; foreign transfers may take up to two days
How can money be withdrawn from the system?
Withdrawals can be made in-branch, through ATMs, or via bank-to-bank transfers
Are there fees for fund withdrawal?
Withdrawal at ATMs is generally free at Vestjysk Bank; fees may apply to foreign or special transactions
How long does withdrawal take?
ATM and in-branch withdrawals are immediate; electronic transfers can take 1–2 business days depending on recipient bank
What withdrawal limits are set?
Withdrawal limits vary by account type and security preferences and can be managed within Netbank
How quickly are funds credited when funding with a card?
Card funding is credited instantly or within minutes during banking hours
How long does a bank transfer take?
Bank transfers within Denmark are typically same-day; international transfers generally require 1–3 business days
How quickly do cryptocurrency transfers arrive?
Vestjysk Bank does not support cryptocurrency transfers
Are transfers between users instant?
Intra-bank account transfers are processed instantly or within minutes
Are there delays when funding on weekends?
Weekend transfers may be delayed until the next business day due to banking clearing schedules
Do holidays affect funding speed?
Danish banking holidays may cause delays in transfer crediting and confirmation
Can crediting be accelerated for a fee?
Express processing is usually not offered for retail clients; priority transfers may be negotiated for business accounts
What determines the speed of funding processing?
Processing speed is affected by method, banking hours, compliance checks, and holiday schedules
Are there notifications about funding status?
Clients receive real-time SMS, email, or Netbank notifications on successful account funding
What to do if funding takes too long?
If funding is delayed, contact customer support for status updates and, if necessary, submit a formal inquiry
How quickly are withdrawal requests processed?
Withdrawal requests via ATM or in-branch are immediate; electronic transfers processed on next banking day
How long does card withdrawal take?
ATM card withdrawals are immediate; some card-to-card methods may require several business hours
How quickly do bank transfers arrive?
Standard domestic bank transfers clear same-day if made during banking hours; otherwise, on the next business day
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported
Are there withdrawal delays on weekends?
Yes, withdrawals initiated on weekends are typically processed on the next business day
Do holidays affect withdrawal speed?
National and bank holidays may delay withdrawal processing until banking resumes
Can withdrawal be accelerated for an additional fee?
Accelerated withdrawals are not standard; priority processing for business can be arranged by agreement
What determines withdrawal processing time?
Withdrawal time depends on method used, banking hours, compliance checks, and external recipient bank schedules
Are there notifications about withdrawal status?
Withdrawal status updates are provided via Netbank, email, or SMS depending on client settings
Can a withdrawal request be canceled?
Withdrawal cancellations must be requested immediately after submission; if processed, cancellation may not be possible
How to register with the payment service?
New clients register at branches or online, providing required identification and completing AML/KYC documents
What data is needed to create an account?
Required data includes name, address, ID document, CPR number, contact details, and proof of income
Can registration be done without email?
Email is preferred for digital onboarding, but in-branch registration can proceed without an email address
Is phone confirmation required during registration?
Phone number is typically required for security reasons; confirmation steps may be included in online registration
Are there age restrictions for registration?
Applicants must be at least 18 years old to open a standard bank account
Can a corporate account be created?
Companies can open business accounts upon providing company registration documents and authorized signatory ID
Is it required to provide real data?
Real, verifiable data is required for all account openings and services
Are there country restrictions for registration?
Only residents of Denmark and eligible EU nationals can open accounts; others may face restrictions
How long does account activation take?
Account activation is usually completed within 1–3 business days after verification steps
What verification levels exist?
Basic verification for personal accounts, enhanced for business and high-value users as set by AML rules
What documents are required for basic verification?
Basic verification documents include national ID/passport, proof of address, and CPR number
Are documents needed for full verification?
Full verification requires additional documents such as income proof, business registration, or tax certificates
Are digital copies of documents accepted?
Digital copies are accepted for identity verification, subject to review for authenticity
How long does the verification procedure take?
Verification commonly takes 1–3 business days depending on completeness and document quality
Can the service be used without verification?
Some limited services may be accessed, but transactions and account functions require verification
What restrictions apply to unverified users?
Unverified users are restricted to non-transactional services or limited payment features pending verification
Is address confirmation required?
Address confirmation using official documents or registration certificates is required
Is a selfie with documents required?
Banks may request a selfie with documents for certain identity verifications, especially for remote onboarding
How often do documents need to be updated?
Documents must be refreshed periodically, often every few years or upon major account changes
What encryption technologies does the service use?
Vestjysk Bank uses SSL/TLS encryption and follows Danish and EU banking security standards for data protection
Is two-factor authentication supported?
Yes, 2FA is available for Netbank and mobile logins, often via SMS codes or authentication apps
Are there SMS confirmations for operations?
SMS confirmations are used for critical payment or login events, dependent on user settings
Is biometric authentication supported?
Biometric authentication is offered on compatible mobile devices for Netbank and app access
Is blockchain technology used?
Vestjysk Bank does not utilize blockchain technology in payment services
Is there a multi-level security system?
The bank employs layered security, including encryption, 2FA, and transaction monitoring
How is user personal data protected?
User data is protected according to GDPR, EU financial data protection regulations, and Danish law
Is cold storage used for cryptocurrencies?
No cryptocurrency products or storage are offered
Is there DDoS attack protection?
The bank employs industry-standard protections against DDoS attacks for digital banking platforms
Are regular security audits conducted?
Regular internal and external audits are performed to ensure security and compliance
What anti-phishing protection measures are provided?
Anti-phishing alerts, education materials, and browser security checks are integrated into online banking
Is there a suspicious activity detection system?
Automated and manual monitoring for suspicious activities is conducted for real-time fraud prevention
How does the service combat money laundering?
AML procedures include transaction monitoring, suspicious activity reporting, and strict customer verification
Is there blocking of suspicious accounts?
Suspicious accounts may be blocked or restricted subject to internal review and legal compliance
What to do when fraud is detected?
Clients should immediately contact customer support; the bank will initiate investigation and freeze relevant transactions
How to report suspicious activity?
Suspicious activity can be reported through customer service, Netbank, or at local branches
Is there compensation for damage from fraudsters?
Compensation depends on circumstances and compliance; deposits are insured, but fraudulent loss is assessed case by case
What user rights exist for disputed transactions?
Users can file claims for disputed transactions, which are investigated by the bank in accordance with Danish law
How to dispute account blocking?
Account blocking disputes can be handled by contacting the bank, providing identification, and submitting a formal review request
Is there insurance against cyber attacks?
Deposits are insured by the Danish guarantee fund; specific cyber insurance is not advertised for retail clients
What fees does the service charge for transfers?
Fees depend on the transfer type and destination; domestic transfers are typically free, while international incur standard charges
Are there fees for account funding?
Domestic account funding is usually free; fees apply for foreign currency deposits and non-standard methods
Are fees charged for fund withdrawal?
ATM withdrawals at bank-owned machines are free; fees may apply to foreign ATMs or special withdrawals
Are there fees for currency conversion?
Currency conversion fees are levied in accordance with the published tariff schedule
Are there fees for account inactivity?
No inactivity fees for standard accounts; dormant account policies are governed by Danish law
Are there account maintenance fees?
Account maintenance fees apply to some products and are disclosed in the rate schedule
Are fees charged for operation cancellation?
Cancellation fees are not standard; operational costs may apply for certain high-value transactions
Are there fees for expedited operations?
Expedited or express service fees are not typical for retail customers
Are there hidden fees?
Vestjysk Bank discloses all fees transparently in its tariffs and account terms
How are fees calculated for large amounts?
Large transaction fees are calculated as a percentage of value or per tariff; details provided in account documents
Are there different tariff plans in the service?
Multiple tariff plans exist for personal, business, and specialized banking clients
What advantages does VIP status provide?
VIP clients receive priority service, dedicated advisors, higher limits, and preferential pricing
How to get preferential conditions?
Preferential terms may be negotiated for large account balances, active clients, or business relationships
Are there free operations per month?
Certain plans include a set number of free monthly transactions; additional fees may apply for extras
Are there discounts for active users?
Discounts and reduced fees are sometimes offered to high-volume or active account holders
Are there corporate tariffs?
Corporate banking offers specific tariff plans for business clients, including tailored solutions
Can individual conditions be obtained?
Custom pricing and service conditions can be arranged for large business accounts and privileged clients
Do promotional codes work for fee reduction?
Promotional codes for fee discounts are occasionally offered for new account holders or campaigns
Are there cashback programs?
Cashback benefits may apply on select card products or promotional campaigns
Are there discounts for transaction volumes?
Volume-based discounts are offered for business clients processing large numbers of payments
Is there an official mobile application?
Yes, Vestjysk Bank provides official mobile banking applications
On which platforms is the application available?
The app is available for iOS and Android devices through the App Store and Google Play
What functions are available in the mobile application?
The app allows account management, payments, transfers, bill payment, notifications, and secure login
Does functionality differ from the web version?
Mobile app functionality broadly matches the web platform, with streamlined access for common operations
Is Touch ID/Face ID supported?
Touch ID and Face ID are supported on compatible Apple devices; Android biometric authentication is also available
Can the application work offline?
The app requires online connectivity for transactional functions; some static data may be viewed offline
Are there push notifications about operations?
Push notifications are available for account activity, transaction status, and security alerts
Is dark theme supported?
Dark mode is offered in the latest versions of the mobile app
How often is the mobile application updated?
The app is updated several times per year, with security and feature enhancements
Are there beta versions of the application?
Beta program participation is offered occasionally on request to select clients
Is the web interface of the service convenient?
The Netbank web interface is designed for user friendliness and supports core banking functions
Is responsive design supported?
The Vestjysk Bank web site and Netbank support responsive design for desktop, tablet, and mobile use
In which languages is the interface available?
Danish is the default interface; English and other languages may have limited support for non-residents
Is there a night mode for the website?
Night/dark mode is offered in Netbank and new website updates
Are hotkeys supported?
The Netbank platform supports basic keyboard navigation and hotkeys for accessibility
Can data be exported?
Account data, transaction history, and statements can be exported in PDF or CSV formats
Is there an API for developers?
API access is provided for business clients and approved partners for integration and custom solutions
Is integration with other services supported?
Integrations with Danish payment systems, accounting software, and business tools are supported
How often is the web interface updated?
Updates are typically released quarterly with security patches and feature enhancements
Are there virtual cards in the service?
Virtual card issuance is available, especially for online transactions and business clients
Can disposable cards be created?
Disposable card services are occasionally offered for secure, single-use online payments
Is multi-currency account functionality supported?
Multi-currency functionality is limited; primarily DKK and EUR accounts for eligible clients
Are there investment products?
Vestjysk Bank offers investment products including savings, securities, and asset management
Can interest be earned on balance?
Deposit and savings accounts accrue interest in accordance with published interest rates
Are there credit products?
Credit services include personal loans, overdraft facilities, business lending, and mortgages
Is P2P trading supported?
Peer-to-peer trading functions are not provided; all transfers are processed through bank infrastructure
Can cryptocurrencies be bought/sold?
Cryptocurrency buying and selling are not supported
Is there acquiring for business?
Merchant acquiring payment solutions are offered for business clients
Are mass payouts supported?
Business clients can access bulk payment and payroll services
Is there a loyalty program in the service?
Vestjysk Bank has loyalty schemes for card users and specific client segments
How are bonus points earned?
Points are earned through eligible transactions, bank product usage, and promotional campaigns
Is there cashback for operations?
Cashback is credited on specific card products and active usage accounts
Are there referral programs?
Referral programs reward clients who introduce new banking customers
What privileges do VIP clients have?
VIP privileges include higher transaction limits, personalized advice, and quicker support
Are there seasonal promotions and offers?
Seasonal promotions such as fee waivers and special loan rates are periodically advertised
Can premium status be obtained?
Premium account upgrades are available based on usage, relationship value, or by application
Are there partner discounts?
Discounts are available with partner merchants for specific cards or service tiers
Are there corporate loyalty programs?
Corporate clients may access loyalty schemes for volume business or long-term relationships
Does the service allow operations with online casinos?
Transactions with licensed casinos are permitted within Danish/EU legal frameworks
Are there restrictions on gambling transactions?
Gambling-related transactions are monitored and may be restricted for compliance purposes
Can accounts be blocked for casino play?
Accounts may be restricted if excessive gambling activity is detected, depending on risk assessment
How does the service view gambling?
Gambling transactions are treated strictly per Danish financial regulations and responsible banking principles
Are there special conditions for gambling?
Specific risk controls, spending limits, and monitoring tools may be applied to gambling transactions
Are casino transactions tracked?
Casino transactions are tracked for AML compliance and responsible gambling monitoring
Can operations with gambling sites be hidden?
Bank statements report all transactions; operations with casinos cannot be hidden
Are there notifications about gambling expenses?
Expense notifications and spending analytics are available to support responsible use
Are there special fees for gambling operations?
Standard transaction fees apply; no special casino-specific charges reported
Can limits be set on gambling?
Custom spending limits can be set on cards and accounts for gambling-related transactions
Is there a self-exclusion function?
Self-exclusion for gambling can be arranged by request to customer service
Can access to gambling sites be restricted?
Clients may request blockages via card settings or contact customer service for assistance
Is gambling expense control supported?
Expense control and monitoring tools are provided, in line with Danish responsible gambling guidelines
Are there notifications about limit exceedance?
Clients receive notifications when set limits are exceeded on gambling or general spending
Can operations with casinos be blocked?
Casino gambling transaction blocks can be set by user request
Is there gambling expense statistics?
Users can view analytics and statistics on gambling spending in online banking portals
Is a "cooling-off period" supported?
Cooling-off or temporary suspension periods for gambling transactions can be requested
Can help be obtained for gambling addiction?
Assistance and referrals to Danish gambling addiction support organizations are available
Is there partnership with player assistance organizations?
Vestjysk Bank partners with Danish responsible gambling and assistance groups
How to set up gambling expense notifications?
Notifications can be configured via Netbank or mobile app settings for gambling transactions
Which online casinos accept this payment method?
Licensed Danish online casinos accepting bank transfers can process Vestjysk Bank payments
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships are published
Do conditions differ when used in different casinos?
Conditions follow legal and regulatory requirements; processing times and fees may vary
Are there special bonuses for using this method in casinos?
No publicly advertised bonuses for casino transactions with Vestjysk Bank
Can the method be used for both deposits and withdrawals in casinos?
Bank transfers support both deposits and withdrawals at eligible Danish online casinos
Are there geographic restrictions for casino usage?
Only legal Danish/EU gambling sites are supported; transactions in other countries may be restricted
How do casino operators typically process transactions from this method?
Casino operators process bank transfers as standard payment methods, subject to AML checks
Are there typical processing times when used with casinos?
Casino-related bank transfers are processed in 1–3 business days
Do casinos usually charge additional fees for this method?
Casinos may impose transaction processing fees; review merchant terms for specific costs
Are there any known compatibility issues with major casino platforms?
Compatibility is generally reliable with licensed Danish/EU casino platforms; no major issues documented