What is the official website of the payment service?
https://www.widiba.it
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Where can I find the customer support contacts?
Customer support contacts are on the official website homepage and the "Contacts" and "Reclami" (Complaints) section.
What is the hotline phone number?
The main customer service phone number is 800 22 55 77 (within Italy).
Is there a toll-free support number?
Yes, there is a toll-free number for customers in Italy: 800 22 55 77.
What is the email address for technical support?
The general support email is [email protected]. For technical or app-related issues, [email protected] is used.
Are there separate emails for different types of inquiries?
Yes, for example, [email protected] for general info and [email protected] for complaints. Certified mail (PEC) address is [email protected].
Where can I find the online chat support?
The online chat support is available on the Widiba website and within the Widiba app platform in the customer private area.
Does the chat support work 24/7?
Chat support is not explicitly stated as 24/7; typical availability includes key business hours but exact 24/7 availability is not confirmed.
Is there support through messengers (Telegram, WhatsApp)?
No verified information is found confirming support through Telegram or WhatsApp for Widiba.
What are the support working hours?
Customer support is available Monday to Friday from 8:30 to 22:00 and Saturday from 9:00 to 17:00.
Does support work on weekends and holidays?
Support is available on Saturdays during limited hours; no confirmed support on Sundays or holidays.
Are there regional offices for in-person visits?
Widiba operates primarily as a digital bank without traditional office branches for walk-in visits.
Where are the physical offices located?
The registered office address is Torre D, Via Messina 38, 20154 Milano, Italy.
Can I schedule a personal meeting?
Personalized meetings can be scheduled digitally with financial advisors connected to Widiba's network.
Are there representatives in different countries?
There is no public indication of international representative offices; Widiba focuses mainly on the Italian market.
In which languages is support available?
Customer support is provided primarily in Italian.
How quickly does support respond to requests?
Average response times for online chat and phone support are prompt within business hours; emails may take up to 24-48 hours.
Is there a priority system for VIP clients?
There is no specific public information about a VIP priority support system.
Can I request a callback?
Widiba offers outbound contact services including callback scheduling for security and support purposes.
When was the payment service founded?
Widiba was launched in 2014.
Who is the founder and owner of the service?
It is owned by Banca Monte dei Paschi di Siena (MPS). Founded as a digital bank under MPS.
In which country is the company registered?
Widiba is registered in Italy.
What is the development history of the payment service?
Founded in 2014 via a co-creation process with customer involvement; over time it evolved as a fully digital bank with online customizable services and a network of financial advisors.
Have there been major updates or rebranding?
No major rebranding found; key update in 2021 with launch of "Dialogue," a video call and 'phygital' customer service channel.
Who sits on the company's board of directors?
Specific board member information is not publicly detailed in accessible sources.
Are there investors or partners in the service?
The main investor and parent company is Banca Monte dei Paschi di Siena (MPS).
Does the company participate in stock trading?
Widiba itself is not publicly traded; it operates under MPS, which is listed on the Italian stock exchange.
What is the company's market capitalization?
Market capitalization pertains to MPS, as Widiba is a division of that banking group.
Are there subsidiary companies or branches?
Widiba is a brand/division within MPS; no separate subsidiaries publicly noted.
What licenses does the payment service have?
Widiba operates under banking licenses held by Banca Monte dei Paschi di Siena, licensed as an Italian credit institution under European banking directives.
In which jurisdictions does the service operate officially?
Officially operates and licensed in Italy, with SEPA payment area services within the EU.
Are there licenses for cryptocurrency operations?
No verified licenses for cryptocurrency operations specific to Widiba.
Does the service comply with AML/KYC requirements?
Yes, Widiba complies with anti-money laundering (AML) and know-your-customer (KYC) regulations as required by EU and Italian law.
Are there security certificates (PCI DSS, etc.)?
No specific public disclosure on PCI DSS, but as a regulated bank Widiba uses standard banking security certifications.
Has the service undergone security audits?
Standard security audits consistent with banking regulatory requirements are conducted; no detailed public audit reports found.
Is there insurance for client funds?
Client funds are protected under the Italian Deposit Guarantee Scheme up to €100,000 as per EU banking regulation.
Which international standards does it comply with?
Compliance with PSD2, GDPR, and other EU financial and data protection standards.
Have there been any regulatory fines or violations?
No publicly documented regulatory fines or major violations found for Widiba as of current data.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, Google Play Store app reviews, and financial review websites.
What are the main user complaints?
Common complaints include occasional app usability issues, customer support responsiveness delays, and difficulty with accessing some services.
What do users most often praise the service for?
Users praise the bank’s digital convenience, innovative platform, quick payments, security, and responsive staff.
Are there issues with fund withdrawals?
No systemic issues reported; occasional delays may happen but withdrawals generally process reliably.
Is the interface convenient according to users?
The interface is generally rated as user-friendly and modern but some users mention occasional app bugs.
Are clients satisfied with transaction speed?
Transaction speeds are rated as fast and efficient by most users.
Do users recommend this service?
A significant portion of users recommend Widiba, especially for fully digital banking needs.
How do experts assess the service's reliability?
Experts regard Widiba as a reliable digital banking provider with industry-compliant standards and innovative customer engagement.
Are there industry awards and recognitions?
No specific awards publicly noted but Widiba is recognized for digital banking innovation in Italy.
Does the service participate in payment system rankings?
Participation in general digital banking rankings in Italy; no top global payment system ranking found.
Are there recommendations from financial regulators?
Widiba operates under full regulatory compliance and is authorized by Italian banking authorities.
What reputation does the service have among partners?
Widiba is reputed as a professional and innovative partner within the Italian financial sector.
How do they evaluate solution innovation?
Recognized for leveraging technology to enhance customer experience and offering customizable, paperless banking solutions.
Are there quality service certificates?
No public specific service quality certificates beyond regulatory licenses indicated.
Does the company participate in industry conferences?
Involved in financial industry events promoting digital banking innovation.
How does the service position itself in the market?
Positioned as a fully digital, customer-centric bank offering innovative and customizable financial services in Italy.
Which fiat currencies does the service support?
Primarily supports Euro (EUR) as main currency used within Italy and SEPA.
Are cryptocurrencies supported? Which ones specifically?
No verified information on cryptocurrency support from Widiba.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token known.
Can currencies be converted within the service?
Currency conversion appears limited primarily to Euro transfers within SEPA; no detailed forex services found.
What exchange rates are used for conversion?
Exchange rates for cross-border payments follow standard interbank rates; specifics not publicly detailed.
How often are exchange rates updated?
Typically updated in real-time or at market intervals in line with banking practices.
Are stablecoins supported?
No evidence of stablecoin support.
Can exotic currencies be handled?
Exotic currency handling is not supported given the bank’s focus on Euro and SEPA payments.
Are there currency restrictions in different countries?
Subject to geographic restrictions as per EU and economic sanctions regulations.
What types of transfers does the service support?
Supports SEPA transfers, international SWIFT transfers, internal transfers, and card payments.
Can transfers be made between service users?
Yes, internal transfers between Widiba users are supported.
Are transfers to bank cards supported?
Yes, card payments and transfers are supported.
Can money be transferred to bank accounts?
Yes, Widiba supports transfers to external bank accounts with SEPA and SWIFT.
Is bill payment available?
Yes, bill payment services are supported through the Widiba online platform.
Are recurring payments supported?
Recurring payment setup is supported for bills and scheduled payments.
Can automatic transfers be set up?
Automatic and scheduled transfer features are offered.
Is payment scheduling available?
Payment scheduling is available within the online banking portal.
Are group payments supported?
No specific information on group payment features found.
Can payment links be created?
No verified information on payment link generation.
What are the minimum transaction amounts in the service?
Minimums follow standard banking thresholds; no specific Widiba minimums publicly specified.
What are the maximum amounts that can be transferred?
Maximums depend on user verification and regulatory limits; large transfers subject to bank's risk assessment.
Are there daily limits on operations?
Daily transaction limits apply as per regulatory and bank policy.
What monthly and annual limits are in effect?
Subject to user verification level and compliance requirements.
Can limits be increased? How?
Limits can be increased upon enhanced user verification and client request following bank procedures.
Do limits differ for verified users?
Yes, higher limits are granted to fully verified users.
Are there restrictions for new accounts?
New accounts have more stringent limits initially until verification.
Do special limits apply in different countries?
Limits governed by Italian and EU regulation; no specific foreign country variations noted.
Can operations be temporarily blocked?
Yes, temporary blocks may be placed for security or compliance reasons.
Are there limits on the number of daily operations?
Limits on operation counts can apply to mitigate fraud risks.
What are the minimum amounts for account funding?
Minimum funding amounts are generally low, adhering to banking norms.
What methods of funding are supported?
Funding via bank transfer, card payment, and possibly other electronic payment methods.
Are there fees for funding?
SEPA transfers are generally free; non-SEPA or card deposits may incur fees.
What are the minimum funding amounts?
Minimums are low and standard for online banking platforms.
How quickly are funds credited when funding?
SEPA transfers credit within the same or next business day.
How can money be withdrawn from the system?
Withdrawals via bank transfer, ATM with linked card, or card withdrawal options.
Are there fees for fund withdrawal?
Fees may apply for non-SEPA withdrawals or card cash withdrawals; details depend on user account type.
How long does withdrawal take?
Bank transfer withdrawals typically take 1-2 business days.
What withdrawal limits are set?
Withdrawal limits correspond to account verification and regulatory caps.
How quickly are funds credited when funding with a card?
Card funding credited almost immediately or within a few hours depending on network.
How long does a bank transfer take?
Typically 1-2 business days for transfers.
How quickly do cryptocurrency transfers arrive?
Not applicable; no crypto transfers supported.
Are transfers between users instant?
Internal transfers are usually instant.
Are there delays when funding on weekends?
Weekend funding often processes next business day.
Do holidays affect funding speed?
Yes, bank holidays can delay processing.
Can crediting be accelerated for a fee?
No public information on paid express funding services.
What determines the speed of funding processing?
Payment method, network, and bank processing times.
Are there notifications about funding status?
Yes, Widiba provides notifications and alerts on funding status.
What to do if funding takes too long?
Contact customer support to investigate delayed funding.
How quickly are withdrawal requests processed?
Typically processed within 1-2 business days.
How long does card withdrawal take?
Usually immediate or up to 1 business day.
How quickly do bank transfers arrive?
Bank transfers generally take 1-2 business days.
Are cryptocurrency withdrawals instant?
Not applicable for Widiba.
Are there withdrawal delays on weekends?
Withdrawals requested on weekends are processed next business day.
Do holidays affect withdrawal speed?
Yes, processing slows over holidays.
Can withdrawal be accelerated for an additional fee?
No indication of express withdrawal fees.
What determines withdrawal processing time?
Bank processing cycles and verification checks.
Are there notifications about withdrawal status?
Yes, notifications are available.
Can a withdrawal request be canceled?
Withdrawal cancellations may be allowed before processing; requires contacting support.
How to register with the payment service?
Registration is done online via Widiba website or app with personal and identity verification.
What data is needed to create an account?
Personal identification, contact details, tax ID, and proof of residence.
Can registration be done without email?
Email is required for account creation and communication.
Is phone confirmation required during registration?
Yes, phone verification is part of the process.
Are there age restrictions for registration?
Minimum age is 18 years old.
Can a corporate account be created?
Yes, Widiba allows business accounts with additional documentation.
Is it required to provide real data?
Real and verifiable data is mandatory due to compliance requirements.
Are there country restrictions for registration?
Registration limited to residents of Italy and EU.
How long does account activation take?
Activation is usually immediate after verification, or up to a few days.
What verification levels exist?
Basic and enhanced verification tiers aligned with AML/KYC regulations.
What documents are required for basic verification?
Valid ID, proof of address, and tax identification.
Are documents needed for full verification?
Additional documents may be needed for higher limits or business accounts.
Are digital copies of documents accepted?
Yes, scanned or photographed documents can be uploaded.
How long does the verification procedure take?
Verification completes within 1-3 business days typically.
Can the service be used without verification?
Limited use possible without full verification; restrictions apply.
What restrictions apply to unverified users?
Lower transaction limits, no access to some features.
Is address confirmation required?
Yes, address verification is required.
Is a selfie with documents required?
Yes, photo verification or selfie with ID may be requested.
How often do documents need to be updated?
Usually every few years or upon regulatory changes.
What encryption technologies does the service use?
Uses SSL/TLS encryption and modern bank-level security standards.
Is two-factor authentication supported?
Yes, 2FA is supported via OTP codes and app authentication.
Are there SMS confirmations for operations?
Yes, SMS OTP confirmations are common for transactions.
Is biometric authentication supported?
Supported on mobile app for fingerprint and face recognition.
Is blockchain technology used?
No public information about blockchain use.
Is there a multi-level security system?
Yes, layered security including encryption, 2FA, and monitoring.
How is user personal data protected?
Protected under GDPR with strict privacy policies.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Standard anti-DDoS protections in place.
Are regular security audits conducted?
Security audits conducted in line with banking compliance.
What anti-phishing protection measures are provided?
Anti-phishing alerts and education are part of customer service.
Is there a suspicious activity detection system?
Yes, transaction monitoring and fraud detection systems.
How does the service combat money laundering?
Implements AML monitoring, KYC checks, and reporting obligations.
Is there blocking of suspicious accounts?
Yes, accounts can be blocked if suspicious activity detected.
What to do when fraud is detected?
Report immediately to customer support for investigation.
How to report suspicious activity?
Via customer service phone or email channels.
Is there compensation for damage from fraudsters?
Compensation policies vary; generally regulated by banking laws.
What user rights exist for disputed transactions?
Users can dispute via formal procedures under European payment regulation.
How to dispute account blocking?
Contact customer support and follow defined complaint procedures.
Is there insurance against cyber attacks?
No direct insurance disclosed; banking regulations include operational risk management.
What fees does the service charge for transfers?
SEPA transfers within EU are generally free; fees for non-SEPA and international transfers apply.
Are there fees for account funding?
Deposits via SEPA are free; card or non-SEPA deposits may incur fees.
Are fees charged for fund withdrawal?
Fees may apply for certain withdrawal methods or outside SEPA.
Are there fees for currency conversion?
Currency conversion fees apply outside SEPA area.
Are there fees for account inactivity?
Inactivity fees may apply as per bank policy.
Are there account maintenance fees?
Some account maintenance fees may be charged based on account type.
Are fees charged for operation cancellation?
Operation cancellation fees are generally not common.
Are there fees for expedited operations?
No public info on express operation fees.
Are there hidden fees?
Widiba emphasizes transparent fee policies without hidden charges.
How are fees calculated for large amounts?
Fees may scale with transfer amount or destination outside SEPA.
Are there different tariff plans in the service?
Different account and service tariff plans exist.
What advantages does VIP status provide?
No public VIP tier disclosed.
How to get preferential conditions?
Preferential conditions may be granted upon customer relationship status.
Are there free operations per month?
Some free operations included depending on account.
Are there discounts for active users?
No specific activity-based discounts publicized.
Are there corporate tariffs?
Yes, business accounts have specific tariffs.
Can individual conditions be obtained?
Potential for negotiated terms for large clients.
Do promotional codes work for fee reduction?
No evidence of promo codes for fee discounts.
Are there cashback programs?
No public cashback programs are advertised.
Are there discounts for transaction volumes?
Volume-based discounts are not clearly specified.
Is there an official mobile application?
Yes, official Widiba mobile app available.
On which platforms is the application available?
Available on Android and iOS.
What functions are available in the mobile application?
Account management, payments, transfers, card management, financial advisor contact.
Does functionality differ from the web version?
Some features may be limited; the app provides a streamlined experience.
Is Touch ID/Face ID supported?
Yes, biometric login supported on mobile devices.
Can the application work offline?
Limited offline features; mostly requires connectivity.
Are there push notifications about operations?
Yes, push notifications available.
Is dark theme supported?
No confirmed dark theme information.
How often is the mobile application updated?
Updates occur regularly to fix bugs and add features.
Are there beta versions of the application?
No public beta testing program identified.
Is the web interface of the service convenient?
The web interface is generally rated as clear and intuitive.
Is responsive design supported?
Yes, the website is mobile-responsive.
In which languages is the interface available?
Available primarily in Italian; English support limited.
Is there a night mode for the website?
No explicit night mode confirmed.
Are hotkeys supported?
Hotkey support not explicitly described.
Can data be exported?
Users can export account statements.
Is there an API for developers?
No public API available for end users.
Is integration with other services supported?
Limited third-party integrations distinct from banking.
How often is the web interface updated?
Periodic updates align with feature improvements.
Are there virtual cards in the service?
Yes, virtual debit cards are offered.
Can disposable cards be created?
No specific disposable card feature detailed.
Is multi-currency account functionality supported?
Multi-currency accounts are not available; Euro only.
Are there investment products?
Yes, investment portfolio and products are provided.
Can interest be earned on balance?
Interest earning depends on product type (savings or investments).
Are there credit products?
Yes, loans and mortgage products offered through the bank.
Is P2P trading supported?
No specific peer-to-peer trading.
Can cryptocurrencies be bought/sold?
No crypto trading support.
Is there acquiring for business?
Business payment processing services are offered.
Are mass payouts supported?
No clear mass payout service described.
Is there a loyalty program in the service?
No public loyalty program.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No public cashback system.
Are there referral programs?
No widely advertised referral program.
What privileges do VIP clients have?
No VIP privileges publicly listed.
Are there seasonal promotions and offers?
Occasional promotions possible.
Can premium status be obtained?
No official premium status available.
Are there partner discounts?
No public partner discount schemes.
Are there corporate loyalty programs?
No specific corporate loyalty programs described.
Does the service allow operations with online casinos?
No explicit policy found.
Are there restrictions on gambling transactions?
Standard banking compliance restricts illicit gambling transactions.
Can accounts be blocked for casino play?
Accounts can be restricted under suspicious or illegal activity.
How does the service view gambling?
Gambling transactions are monitored under regulatory compliance.
Are there special conditions for gambling?
None publicly disclosed.
Are casino transactions tracked?
Transactions are monitored for compliance.
Can operations with gambling sites be hidden?
No, banking requires transparency per AML.
Are there notifications about gambling expenses?
No specific gambling expense alerts.
Are there special fees for gambling operations?
No distinct fees for gambling transactions.
Can limits be set on gambling?
No specific gambling spending controls known.
Is there a self-exclusion function?
Not specified by Widiba.
Can access to gambling sites be restricted?
Bank cannot typically restrict site access but monitors transactions.
Is gambling expense control supported?
Not specifically advertised.
Are there notifications about limit exceedance?
General transaction alerts exist.
Can operations with casinos be blocked?
Yes, suspicious transactions can be blocked.
Is a "cooling-off period" supported?
Not stated.
Can help be obtained for gambling addiction?
Not explicitly offered by Widiba.
Is there partnership with player assistance organizations?
No information found.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
No specific known casino acceptance listed.
Are there exclusive partnerships with specific casinos?
None disclosed.
Do conditions differ when used in different casinos?
No known differences.
Can the method be used for both deposits and withdrawals in casinos?
No data available.
Are there geographic restrictions for casino usage?
Subject to Italian legal restrictions.
How do casino operators typically process transactions from this method?
Standard bank card processing.
Are there typical processing times when used with casinos?
Same as usual card transaction processing.
Do casinos usually charge additional fees for this method?
Fees depend on casino policy, not the bank.
Are there any known compatibility issues with major casino platforms?
None reported.