WestStein Frequently Asked Questions

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*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

The unverified account may be used only within the Eurozone (countries, where Euro is the official currency).

In addition, unverified account users may not:

  • receive an additional WestStein prepaid Mastercard;
  • transfer funds to another WestStein account;
  • make online payments and online purchases;
  • make outgoing SEPA payments;
  • receive incoming SWIFT payments.

You can top-up unverified account:

  • by SEPA incoming payment,
  • by voucher (available only in Latvia).

Account can be topped up three times per day with a maximum limit of 150 EUR per month.

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.

To view Verified and Non-verified account comparison, please visit this site: https://www.weststeincard.com/private/blog/verified-and-non-verified/

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.

Please, follow the account verification instructions written in this blog article:

https://www.weststeincard.com/private/blog/how-to-verify-your-weststein-card/

If you need additional help, please contact our customer support team by  e-mail [email protected].

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 WestStein account – deposits, payments, operating and card account balance.

General Questions

Accounts can be opened by European Union, European Economic area, Lichtenstein, Iceland and Norway residents.

In order to change your profile details you have to contact our customer by e-mail [email protected] 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/auth/login and go to section LOAD / SEPA Bank transfer. 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.

  1. Log into your WestStein account: https://my.weststeincard.com/auth/login;

  2. Go to “Cards” section;

  3. Click on your card and follow the activation instructions.

If you joined WestStein before 07.01.2019. please activate your card through this link: https://my.weststeincard.com/auth/activate

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:

https://my.weststeincard.com/auth/signup/private

Fill the application form and get an email 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 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.

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 and Norway.

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

Card Account Loading and Payments

Up to 2 working days.

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.

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: https://www.weststeincard.com/private/pricing/

Yes, certainly. Each WestStein prepaid 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 account 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 4.00.

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 account to another WestStein account

If you are a verified user, anyone can transfer funds to your account – 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 a non-verified client, you can shop online in EU countries only. If you are verified client you can make online purchases worldwide. 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 (Loading by voucher is temporarily unavailable)

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”. Choose section “Load” / “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 complying with PFS’s internal regulations and procedures for the prevention of money laundering, one’s  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 sending an email to [email protected].

You can send your PIN code to your mobile phone via SMS. Please log into your online banking system here https://my.weststeincard.com/?locale=en, go to section Cards 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 e-mail [email protected].

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 [email protected], 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  an e-mail to [email protected].

You can receive your PIN code to your mobile phone via SMS. In order to receive PIN please log in into your online bank ( https://my.weststeincard.com/auth/login ) and go to the section Cards. There you will find option to send PIN on your phone.