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Read One Of Our Happy Customers’ Story

Weststein card

Earlier this year I moved to Berlin, Germany, from the USA. I had done some research about the move, and I knew there was a checklist of things I needed to do in order to settle down in Germany.

One of the most important things was to open a bank account.

There were many different options to choose from, (including traditional and non-traditional, digital banks), but I had a few Latvian friends that recommended WestStein to me, and since I knew I would be traveling back and forth from Germany to Latvia, I decided to check it out.

WestStein is a prepaid, multi-currency Mastercard that I could order online, without having to go to an actual bank and deal with various documents and paperwork.
This was already a good sign, because nowadays I cannot imagine someone having the time OR desire to make a trip to a bank and go through the lengthy process of opening an account in person.

So I went on the WestStein website to order my card. To my surprise, it was completely free to open the account and receive the card. I was actually quite shocked at how easy the process was – I filled out a simple form online.

But that was not the best part… the best part was that I didn’t have to provide any credit history, or income documentation to be able to open the account. In my experience, traditional banks have been a headache, and a really long process. I always had to make an appointment, go there in person, and fill out copious amounts of paperwork to be provided some kind of service — whether it was because I lost my card, something wasn’t working, or I wanted to close my account.

Weststein card is easy to use

In this case, WestStein doesn’t require any of the physical hassle… everything can be done either online or on the App, which is a game-changer for me. In a way, it shouldn’t be surprising anymore, given the rise of technology for virtually everything, but it is still a pleasant and easy transition into the digital world.

Anyway, after ordering the card online, I received it fairly quickly – in 10 days – and was able to use it immediately after activating it online. I realized that there is an option to either be a non-verified or a verified user. If you are a non-verified user, you can only withdraw 100 EUR once, and that’s it. Additionally, you can’t make SEPA payments if you are not verified. Since I knew I was going to be using the card a lot and travelling frequently (almost every weekend), I decided to verify my account at once. This meant I could spend more from my card and also load it with more money (in fact, there is no monthly limit as to how much I can put on my card, and the daily withdrawal limit rose to 1,500 EUR). The verification procedure was also very simple and straightforward, it meant that I had to identify myself with an ID and a scanned copy of a utility bill that I uploaded onto my account through the website.

I definitely recommend everyone become a verified customer because it opens up a lot more options. Aside from the higher top-up and spending limits, it means you can make online purchases, which for me is an absolute no-brainer.

Another good thing is the ATM usage – there is a fixed fee of 2,50 EUR for cash withdrawal which means I don’t have to play a guessing game whenever I travel abroad and need to get cash out.

Katia.

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