Frequently Asked Questions

Open your account online in minutes. You'll need a valid ID and proof of address.

Current, savings, business and youth accounts — each with tailored benefits.

Our fees are transparent. View the full fee schedule online or speak with an advisor.

The SOFIES app is free on the App Store and Google Play. Search for 'SOFIES'.

Log in to your account or the app, select 'Transfers' and follow the steps.

Yes. SEPA and international transfers available, with preferential rates for premium customers.

Default: €3,000/day online. Limits can be adjusted to suit your needs.

In your account, go to 'My cards' and click 'Order a card'. Delivery takes 5–7 business days.

Go to your security settings and enable '2FA'. Works with authenticator apps and SMS.

Click 'Forgot password' on the login page. You'll receive a reset link by email.

Contact our customer service immediately by phone or online chat.

Advanced detection systems, SSL encryption and 24/7 monitoring protect every transaction.

Use our online simulator to check your borrowing capacity, then submit your application with documents.

Personal, auto, mortgage, home improvement and business financing.

48 hours for personal loans, 7–15 days for mortgages depending on complexity.

Yes, with preferential terms as set out in your loan contract.

Check your internet connection, restart or update the app. Still an issue? Contact support.

Chrome, Firefox, Safari and Edge in recent versions. Internet Explorer is not supported.

Yes. GDPR-compliant, all data encrypted, your personal information is never shared.

Typically Sundays between 2 AM and 6 AM. You will be notified in advance.

Phone: 7 days/week, 8 AM–8 PM. Online chat. Email — all contact details on our website.

Online via your account, by phone, or directly at your branch.

Via your account, by post, or with your advisor. Response within 15 business days.

Mon–Fri: 9 AM–5 PM, Sat: 9 AM–12 PM. Extended hours at selected branches.