WestStein Frequently Asked Questions

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Drop us a line: cardservices@weststeincard.com

Call us: (+371) 65 509 995

*This one-time card issuing fee will be charged from your WestStein account once you receive your card, activate it and add funds to it.

Joining WestStein

Non-verified customers

Regrettably, no. Starting with 26th June 2017, all unverified cards will be subject to new limits:

  • Maximal monthly balance on the card – EUR 250
  • Daily/monthly/single transaction limit at a POS terminal – EUR 250
  • Maximum amount that can be withdrawn from an ATM during the card’s validity period – EUR 100

The unverified client card may be used only within the European Union; the card is not accepted outside the EU.

In addition, unverified clients may not:

  • receive an additional card,
  • transfer funds to another payment card,
  • make online payments and purchases.

Yes, you can top-up your card with vouchers, but the maximum balance on the card may not exceed EUR 250 per month.

If your card balance is 0, the maximum amount by which you can top-up your card with vouchers is EUR 250 a month.

Please note that the validity period of a voucher is 90 days from the day of purchase.

You can top-up your card:

  • by SEPA bank transfer,
  • by voucher.

Cards can be topped-up only three times per day with a maximum amount of 250 EUR.

One of the cornerstones of the operations of the WestStein card and account issuer “Prepaid Financial Services Limited” is the safety of services and operational development. In conformity with the regulatory enactments of the European Union and the procedures of preventing money laundering, any institution that performs financial transactions must be capable of identifying the origin and flow of its funds. As a result, checking the true identity of the corresponding persons is required.

A non-­verified customer is an individual who has not completed the client identification procedure and who, in comparison to a verified customer, has significantly lower loading, cash withdrawal, payment and balance limits.The verification procedure can be done in the WestStein client portal by uploading copies of documents that prove the individual’s residence (for example, a utility bill) and identity.

A verified customer is an individual who has completed the client identification procedure. After successfully completing the client identification process, a non-­verified customer becomes verified and can fully enjoy all the features and benefits of the card.

Make the most of your card and become a verified customer. In your online banking system, under the section my profile, upload following documents:

  1. Upload a copy or picture of valid passport, ID card (from both sides) or driving license (from both sides)
  2. Upload scanned copy of bill which you are paying on monthly basis (for example, utility bill or telecommunication bill etc.). On this bill should be noted your name, surname as well as the address that you provided when you ordered the card.

One of the cornerstones of the operations of the WestStein cards issuer “Prepaid Financial Services” is safety of services and operational development. In conformity with the regulatory enactments of the European Union and the procedures of preventing money laundering, any institution that performs financial transactions must be capable of identifying the origin and flow of its funds. As a result, checking the true identity of the corresponding persons is required.
Therefore, unverified clients, in comparison with verified ones, have significantly smaller limits for using the card – deposits, payments, operating and card account balance.

General Questions

Cards can order European Union, European Economic area, Lichtenstein, Iceland, Switzerland and Norway residents.

In order to change your profile details you have to contact our customer support team by phone +371 6550 9995 or e-mail cardservices@weststeincard.com and request changes.

WestStein prepaid Mastercard has unique IBAN account, without sort code.

Each WestStein customer has a unique IBAN account in the euro currency.

You need to log into your online banking system here: https://my.weststeincard.com/en/login and go to section “My card”. IBAN is your account number.

The validity period of WestStein prepaid Mastercard payment cards is 3 years.

Each WestStein prepaid Mastercard user who passed verification can order up to 3 additional cards. Additional card user must be at least 13 years old. Client can order additional cards in his online banking system under the section my card.

You will receive your WestStein prepaid Mastercard within 10 business days starting from the day when your application is confirmed.

At first, please activate your card in our webpage https://my.weststeincard.com/en/activate . After card activation login into your online bank and find your WestStein card IBAN account number under the section my card. If you want to increase card limits, please, upload verification documents under the section my profile.

In order to make euro SEPA transfer to your WestStein card account, following payment details should be provided to money sender:

  • Beneficiary name: Your name and surname
  • Account: Your IBAN account number which you can find in your online bank under the section my card
  • Bank: Prepaid Financial Services
  • BIC: PFSRIE21
  • Bank address: Fifth Floor, Langham House, 302-308 Regent Street, London, W1B 3AT

The issuer of WestStein prepaid Mastercard payment cards is Prepaid Financial Services (PFS). The WestStein prepaid Mastercard payment card service is provided by Prepaid Financial Services’ payment system, and card operating accounts are held at Irish Allied Banks, p.l.c., registered in Ireland. This is a universal bank that has been providing a wide range of banking services for 50 years, and whose operation is supervised in accordance with EU regulations.

The issuer of WestStein prepaid Mastercard payment cards is the e-money institution “Prepaid Financial Services” (PFS), which is registered with both the UK Financial Conduct Authority and the Latvian Financial and Capital and Market Commission (FCMC). PFS holds the “Mastercard International” licence for the introduction of the prepaid Mastercard payment card programme in the European Economic Area. All of the aforementioned guarantees the safety of WestStein prepaid Mastercard payment card holders’ funds as well as high service standards.

You can order WestStein prepaid Mastercard in our webpage www.weststeincard.com by pressing button order card in the right upper corner of the page. Fill up the application form and get an e-mail with card ordering reference number and approximate card delivery date.

WestStein prepaid Mastercard is an international payment card that is connected to an account abroad. It has all the functions of a regular Mastercard, but it also has several advantages.

  • You do not have to have your credit history checked in order to receive your own card, as you can only spend as much as is loaded to your card account. This also helps you to efficiently manage your budget.
  • You can conveniently withdraw cash from any ATM within the eurozone.
  • Complete digital management – apply for, activate and manage your card online, without waiting in line at your local bank branch. We will send your card to you by post, even if you live abroad.

WestStein prepaid Mastercard is not a credit card; therefore, personal credit history checks are not required – you can spend as much as is available on the card. Individual clients, when applying for their card online, provide the card issuer, “Prepaid Financial Services”, with their personal identification information, as stipulated by regulatory enactments.

IBAN (International Bank Account Number) is a client’s international account number that is in accordance with European Union standards. This number allows you to identify the country and account of the payee, as well as to determine whether the specified beneficiary’s account number is correct.

Each WestStein prepaid card cardholder has his unique IBAN account number. Cardholder can find his account number in his online bank under the section my card.

SEPA (Single Euro Payment Area) payment is a payment within Europe in euro currency. The payment can be made between 28 member states of the European Union (Austria, Belgium, Bulgaria, Czech Republic, Denmark, France, Greece, Croatia, Estonia, Ireland, Italy, Cyprus, Latvia, United Kingdom, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Finland, Spain, Hungary, Germany, Sweden) as well as Iceland, Liechtenstein, Norway and Switzerland.

WestStein prepaid card holders can receive and make euro SEPA payments.

Card Loading and Payments

Up to 2 working days.

Yes, you can, if you are a verified client. In that case, you need to inform the money sender that they should make a transfer through our correspondent bank accounts. To find out more about the correspondent bank account, contact our customer support team by calling +371 6550 9995 or sending an email to cardservices@weststeincard.com.

You can use WestStein card if the car rental company accepts prepaid cards.

No, WestStein cards cannot be used where offline POS are needed for transaction, like automated gas stations, in-flight shopping, etc.

You can load your WestStein prepaid Mastercard in two ways:

  • via a transfer from your bank account to your WestStein prepaid Mastercard card account;
  • by purchasing a card loading voucher at any Narvesen sales point in Latvia and then registering the the voucher code in your online bank.

Each WestStein prepaid Mastercard payment card holder is free to use their funds within the framework of the determined limits. More information on limits can be found in Pricing section.

Yes, certainly. Each card has linked to unique IBAN account, which could be provided to your employer.

Yes, certainly. You can withdraw cash from your WestStein prepaid Mastercard at any ATM where the Mastercard acceptance logo is displayed. Moreover, throughout the entire Eurozone, regardless of whether an ATM belongs to a specific bank group, if the Mastercard acceptance logo is displayed, cash can be withdrawn for a fixed fee – EUR 2.50.

With a WestStein prepaid Mastercard you can pay at any point of sale where the Mastercard acceptance logo is displayed – there are over 35 million such points around the world. You can withdraw cash from over 2 million ATMs worldwide – where the Mastercard acceptance logo is displayed.

If you are verified client then, you can make outgoing euro SEPA payments as well as payments from WestStein card to WestStein card

If you are a verified user, anyone can transfer funds to your card – relatives, friends, employer, etc.
However, in conformity with the relevant regulatory enactments and for the purposes of the prevention of money laundering, we may ask you to present additional information about the origin of these funds.

If you are verified client you can make online purchases. All online purchases are secured against fraud with Mastercard 3D secure system.

Booking is possible if payment is made immediately. If, however, a certain amount of funds is required to guarantee a reservation, then a credit card will be needed.

Operations with Vouchers

You can top up your card up to three times per day. This refers to vouchers as well as transactions from other accounts.

In order to load WestStein account by voucher, please login into your online bank and find out section Load funds. Choose section Load funds by voucher and enter voucher code. WestStein account will be loaded automatically.

Vouchers are valid for 90 days from the date of purchase. This means that the voucher must be used to load your card’s account during this period.

By observing PFS’s internal regulations and procedures for the prevention of money laundering, one’s card account may be loaded with a maximum of three vouchers per day. Voucher loading amount depends on your status: verified or unverified.

The fee is 5.5% of the value of the voucher, which will be debited from your card’s account following the successful registration of the voucher. The minimum fee is EUR 1.

Security

Please contact our customer support team by calling +371 6550 9995 or sending an email to cardservices@weststeincard.com.

You can send your PIN code to your mobile phone via SMS. Please log into your online banking system here https://my.weststeincard.com/en/login, go to section My card and send your PIN to your phone number.

If access to your internet bank is blocked, please contact WestStein client service specialists on weekdays from 9:00 a.m. to 6:00 p.m. EET by telephone (+371) 6550 9995  or any time by e-mail cardservices@weststeincard.com.

You have to take two steps.

  1. Immediately call the client service department of the card’s issuer, PFS, on +44 (0) 2071275093, and request, in English, that the card be blocked.
  2. Write an e-mail to cardservices@weststeincard.com, providing your first name, surname, the card number (it can be found on the client portal), as well as the approximate time when the card was lost or stolen. WestStein client service will contact you as soon as possible (on weekdays and during working hours) to agree about the next steps.

To activate your card in Mastercard 3D Secure system please press here: https://pfs.cardinalcommerce.com/cardservices/Default.aspx and register your card. If you need help in card registration, please contact our customer support team by calling to +371 6550 9995 or by writing an e-mail to cardservices@weststeincard.com.

You can send your PIN code on your mobile phone via SMS. In order to receive PIN please login into your online bank and go to the section my card. There you will find option to send PIN on your phone.