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Bank Zachodni WBK – Cashing out Bitcoin through Prepaid VISA Cards

This is a great post we found on the Silk Road forums – taken from the old forums (http://dkn255hz262ypmii.onion.top/index.php?topic=210987) and now posted in this url (http://silkroad5v7dywlc.onion.top/index.php?topic=596.0) by a user called Oneiros Distribution – explaining how to cash out bitcoins using pre paid visa cards trough some polish bank, it started some debate if such information should be released or not, but since it was posted on the old forums and the new forums, we would guess its pretty well known by now so people might as well use it while its still working (it was confirmed as working by several users on the forums)

You can find on the same thread some vendors selling those pre paid card for easier access, we have edited the formatting for easier reading and added the images intext. enjoy:

A) Introduction

For those unaware there’s a Polish Bank named Bank Zachodni WBK who issue Anonymous Prepaid VISA Cards with their own IBAN. This Enables the Possibility of Moving Funds from Bitcoin Exchanges to these Types of Cards and then using it either to withdraw Funds from an Automated Teller Machine ( ATM ) or simply buying something Online. The primary three Variants of these Cards utilized are for the three Currencies EUR/Euro, GPB/Pound Sterling and USD/United States Dollar. If the Cards are used in a Transaction which Corresponds with the Currency of the Card itself there will be no additional Charges, however if the Currency doesn’t match up Bank Zachodni WBK will Charge a small Fee per Transaction. For specifics on the Terms of Use and Rules regarding the Cards refer to the Images in Section B) Physical Contents.

B) Physical Contents

When Orderings these Cards they are always Included in a Letter sent from Bank Zachodni WBK – I’ll include some Scanned Images of the Letter and the Contents inside. I’ve censored certain parts with green color with a black border around each such part.

The Letter dimensions are width 22.80 cm and height 11.30 cm, it weighs between 28.60 to 28.80 grams. A scan of the Front/back respectively of the Letter:

Kwqm[1]F2MO[1]

The handwritten “EU” at the left side is from the Vendor who probably does it to keep track of the type. This is how the Letter looks ripped opened on the inside:

jQPU

First Page Front/Back:

2NJd dDDY
Second Page Front/Back:

Dh9D vaz2
Third Page Front/Back [Sealed]:

fl4f 5eWi
Third Page Opened:

S0Zm
C) Online Registration

A Guide on how to register a “Bank Zachodni WBK – Prepaid VISA Card” online:

Start by going to: http://www.fakenamegenerator.com/advanced.php – go to “Name set” and pick Polish, then “Country” and pick Poland. Click generate and take note of the following fields: Name/Address ( Top Three Rows), Phone and PESEL. Depending on how advanced one wants to be it would be advisable to use a location where the Polish IP resides, but this is only for those overly cautious and might not even matter in the end. After you’ve noted this information go to https://www.centrum24.pl/prepaid/index?index=1491 and click on Rejestracja ( Register ).

Stage 1/4: Dane użytkownika ( User Data ): You will now be presented with the following screen/image:

OhVb[1]

  • Rodzaj karty (Card Type; The type of Card you’re registering, pick “Karta prepaid”)
  • Login (E-mail Login; What e-mail you intend to use for receiving E-Mail from the Bank)
  • Hasło (Password; What password you’re going to use, keep in mind the password can only be 8-20 characters and has several restrictions – it will also have to be changed later if you intend to actually login)
  • Potwierdź hasło (Confirm Password; Just the same password you’ve written in Hasło/Password)
  • PESEL (Universal Electronic System for Registration of the Population; Polish National Identification Number, is located in the PESEL Field from fakenamegenerator)
  • Telefon komórkowy (Phone Number; Located in the Phone Field from fakenamegenerator, also keep in mind to set the Area so it corresponds with the number)
  • Imię (First Name; First name, is located in the Address Field from from fakenamegenerator)
  • Nazwisko ( Surname; Last name, is located in the Address Field from from fakenamegenerator)
  • Ulica ( Street; The main Address Line, is located in the Address Field from fakenamegenerator )
  • Numer domu ( House Number; The Number for the Main Address Line, is located in the Address Field from fakenamegenerator. )
  • Miejscowość ( City/Locality; The City the Address is located for, is located in the Address Field from fakenamegenerator. )
  • Kod pocztowy ( Zip/Post-Code; The Zip/Post-Code, is located in the Address Field from fakenamegenerator. )

When everything has been filled in, click the green button at the bottom titled “Dalej” which translates into “Next/Further”.

Stage 2/4: Dane do rejestracji ( Registration Data ): You will be presented with the following screen/image:

6wZA

At this point you should have the first page which looks like this:

2NJd

with the Card from the Letter in front of you – Green Markings are just Censored and the Red Markings are Information of Interest for Later:

SZtk

Remove the Card and take note of the Red Markings on the following image:

NAPO

  • Pełen numer rachunku karty ( Full Account Number; Fill in your IBAN which is 26 characters long, you can either find it on Page one by “Rachunek” or on the back of the Card Itself at the bottom. )
  • 6 pierwszych cyfr numeru karty ( The first 6 digits of the Card Number; Fill in the first Six Numbers from your Card, for example almost certain 483047 indicates an EUR Card. )
  • 4 ostatnie cyfry numeru karty ( The last 4 digits of the card number; Fill in the last Four Numbers from your Card, simple as that. )
  • Dotychczasowy kod aktywacyjny The current Activation/PIN Code; Your current Active PIN, I’ve marked the location of where you can find it in the following image:
  • k4fj
  • Nadaj PIN ( New PIN; Enter your New PIN Code which will be utilized for ATM Transactions. )
  • Potwierdź nadany PIN ( Confirm New PIN; Enter the same PIN Code as above. )

There’s three options after this, not sure what difference it would make if checked or not but it’s probably advisable to have them checked as they are as default and just press the green button called “Dalej” which translates into Next/Further.

Stage 3/4: Weryfikacja danych ( Data Verification ): You will be presented with the following screen/image:

vRrt

Here you will be presented with all Information you’ve provided so far. If it seems Correct just press the green buttom at the bottom called “Zakończ” which translates into “Finish”.

Stage 4/4: Potwierdzenie ( Confirmation ): You will be presented with the following screen/image:

r0uS

You will get a Confirmation screen informing you the Account is created and that they’ve sent you an e-mail. Now go to the link: https://www.centrum24.pl/prepaid/index?index=1491
Click the red button “Logowanie” which stands for Login, fill in your information and Login. The first time you login you will be presented by the following screen/image:

5ZXF[1]

 

  • Dotychczasowe Hasło ( Current/Old Password; The Password you used for registering the Account to begin with. )
  • Nowe Hasło ( New Password; Your New Password, has to be 8-20 characters in length and there’s several restrictions on what characters can be used. )
  • Potwierdź nowe Hasło ( Confirm New Password; Write the same Password again as before. )

Press the green button called “Zapisz” which translates into “Save”. Congratulations, you’ve now successfully Registered your Card.
The Online Interface gives you access to detailed History over your Card(s) and most likely the function to send money to other Accounts ( haven’t investigated this Aspect so not familiar with how to use it ).

The most important reason/point of registering online is the fact you get to change your PIN Code, and secondarily I personally use it to see whenever the money has arrived at one card ( if I move funds over to say four cards with the same Account I only need to confirm it’s arrived at one most of the time ).

To transfer funds to your Card, simply take your IBAN and add the characters “PL” before, ie. PL##########################. For SWIFT (BIC code) use: WBKPPLPP

D) Frequently Asked Questions

D-01) Is it possible to register more than one card Per Person and what are the Terms set by the Bank on this matter?
D-02) Are there any known cases of these cards being shutdown and if so, why?
D-03) When withdrawing Money from the Cards one can see by logging in very specifically what ATM has been used down to a very narrow geographic location – does it have any relevance if one uses the exact same ATM for multiple different Cards? Ie. is there any risk Bank Zachodni WBK would flag Cards as suspicious if they see different people start withdrawing money from the exact same ATM in a very short time span?
D-04) Is there any Information if this Type of Service might eventually Expire in the Future or is nothing known about this?
D-05) Is there any way for a Bitcoin Exchange to verify the details used for Registering the Account? Ie. can they cross-reference the Name used on an Exchange with the one used for a specific IBAN?
D-06) Is there any Information regarding their Policy of Freezing Accounts? I’ve seen it mentioned they can Freeze the Account for three months if one attempts to withdraw twice near midnight, anything other than this?

D-01) Is it possible to register more than one card Per Person and what are the Terms set by the Bank on this matter?

TMan99: You always register it in a fake name, thats how they are anonymous… I don’t see what you are asking.
BioCanna: Its possible but if one card get flagged for suspicious behaviour all cards might get frozen.
DrugsAndCash:  First of all you don’t have to register this cards but yes of course for 1 identity you can register 10 cards maximum. But registration is useless and just wasting time.
everythingman: yes you can but what ? its anonimity card so you register it on fake data

D-02) Are there any known cases of these cards being shutdown and if so, why?

BioCanna: No, i havent encountered a blocked card(besides 3months block caused by double withdrawing around midnight).
DrugsAndCash: Yes I’m victim of case you described. Card has been blocked due to many small transactions from different people as loadings so bank flagged it as card used to receive business payments what is strictly prohibited.
everythingman: yes if you exceed a limit and if the bank have a suspicion to money laundering ( but its unlikely if you dont register few cards on the same name )

D-03) When withdrawing Money from the Cards one can see by logging in very specifically what ATM has been used down to a very narrow geographic location – does it have any relevance if one uses the exact same ATM for multiple different Cards? Ie. is there any risk Bank Zachodni WBK would flag Cards as suspicious if they see different people start withdrawing money from the exact same ATM in a very short time span?

BioCanna: Theres always risk but for now no one seems to check that matter and it works well .
DrugsAndCash: This can’t be the reason for flagging or blocking card. Flagging or blocking card is caused only by discovering by bank that card is funded from illegal money like funds from paypal scams or stolen from another bank account.
everythingman: low risk because you can withdraw about 150 -200 cash daily and the most step in this is never show you face on ATM camera. This card is to withdraw cash in short time – its to holiday expenses

D-04) Is there any Information if this Type of Service might eventually Expire in the Future or is nothing known about this?

BioCanna: Poland is bound to USA and its possible that one day strict policies like in USA will come here to Poland and those cards wont be so easy to aquire anonymously.
DrugsAndCash: It won’t expire till goverment won’t change law so I think it will always exist.
everythingman: i haven’t any information but i monitoring situation

D-05) Is there any way for a Bitcoin Exchange to verify the details used for Registering the Account? Ie. can they cross-reference the Name used on an Exchange with the one used for a specific IBAN?

BioCanna: Withdraw from bitcoin exchange will only go through if all data matches (banks and exchanges:name address…).
DrugsAndCash: I can help you in this point by giving you exchanger which doesn’t require verification.
everythingman: No they not verify you should find exchange which don’t interesting IBAN they clientc like btc-e , bitcurex itp

D-06) Is there any Information regarding their Policy of Freezing Accounts? I’ve seen it mentioned they can Freeze the Account for three months if one attempts to withdraw twice near midnight, anything other than this?

BioCanna: No, nothing that i know of.
DrugsAndCash: Instant withdrawals after midnight can be the reason of freezing card so we don’t recommend it but you can decrease this risk by doing some payments in stores using card.
everythingman: yes if you withdraw on 23;55 you can cash out next on 00;02 cus its new day and its suspicion for him. i think that its only my word

E) Potential Scams

Almost every Single Vendor who’s ever Offered or will ever Offer these Cards get Accusations of that the Information from the Cards have been Stolen and used to withdraw Funds from them. I’ve personally went through all Information I’ve been able to find on this Subject and there is unfortunately no Conclusive Information or Evidence. However if anyone has Trouble with this in the Future post here and answer the following Questions:

* Can you remember if the Letter looked tampered with?
* What type of Card was it, ie. USD, EUR, or GPB?
* Was the Card registered Online ( ie. did you change the PIN ) ?
* What did the Information say online about where the Money went ( they have VERY specific Information available if it’s through ATM ) ?
* At what exact time/date did the Money disappear, when was money Deposited into the Account?

F) Final Notes

While these Cards aren’t exactly the Ideal Solution as long as they’re not Banned they will always be a viable Fallback Method for any Vendor planning to Cash out Bitcoin into Fiat Money. There are other Polish Banks like for example iBRE but this thread will detail only those of Bank Zachodni WBK as they’re vastly Cheaper and more popular in Comparison. Eventually this Method will very likely be Phased Out in favor of Better Alternatives, but until that Day this Information might prove Useful for Upcoming Vendors who aren’t that familiar with Methods of Cashing Out Bitcoins.

43 comments

  1. This is pretty well-known, but now that it’s out on the clearweb, these naive Polish bankers are much, much closer to figuring out why their prepaid debit card sales are through the roof and are seeing chargebacks from people who also use them for cashing out fraudulent credit card purchases.

    Thanks, on behalf of all of us who use these. Really, really appreciate it. It’s best that some information stay where it is. What are you contributing to, beyond your petty pageview count, by posting this? Anyone who needed to know, knows where to look.

    • admin

      Well good questions.

      1. We only care about the interest of our readers, and this is interesting for them.

      2. You do know we found it was posted a year ago on a forum that had around million users? and posted now again on SR2.

      3. Thinking that the bankers are not aware of that already is very VERY naive.

      4. If people are using this to cash out fraudulent credit card purchases – than i we wont be so sorry if it will be stopped. we hate thieves.

    • Dixie Normous

      You sound just like my racist cousin Tony who plays in the closet. Could you be?

    • TonyIsAsshole

      Have a hardon for information suppression do ya Tony? And hats off to the Admin for not only not censoring, but even replying politely to the A-hole commentator!

      Just a little side note, these cards and other brands have been known by those that need to know since before SR. Vendors used to sell the crap out of em in bulk even on BMR

  2. The phone number part isn’t working

  3. You ask us to register using fake name and address from that fakenamegenerator.com site but how will we receive the actual card if we register using that ?

  4. je veux des donner money carte banquaire lui qui peut m’aider merci en priver

  5. How beneficial can this be to a user in the United States wanting to transfer Bitcoins? I see you have a mailed-in letter from said bank. Is it possible to get a USD based account with the routing and account number similar to that of U.S banks?

  6. hahaha, long for reading, but if you didn’t write it, I will say: bank refuses to send letters to the people without address in poland. they say they work with Polish population and they refuse to send it abroad. I tried before 2 years. one card cost 15 zloty or 3.5 euro. vendors sold it even for 50 euro but the cheapest was 20 euro. many people also complained that cards were blocked, but it is so because they tried to cash out paypal of other people. so, in 2 years, bank surely understood what happen, but maybe they don’t care, I didn’t follow last 2 years what happen about bank zachodni.

  7. edafe rapheal atagbaza

    i am intresting in the bitcoin credit card cashout, hope to hear from you soon

  8. Where are the routing numbers located on these cards ?

  9. aquilaselvaggia

    CAn someone help me please:
    when i do the registration is ok, but in the second window i cant see the virtual card and i cant put the number —-why???

  10. Hmm guys it looks like good oportunity for me cuz im from poland;)how do you think any1 will buy that kind of card?we have more banks like this one who offers that kind of prepaid cards.i have to serch in net and make some tutorial;)

  11. Hello does this card work with sofort banking..?

  12. Hello can someone please explain why do they withdrew every small deposit I send to the prepaid creditcard plus IBAN? They withdrew small Paypal deposit thesame day and also when I send 25 cent from my bank to Zachodni they withdrew the 25 cent thesame day. This is what I saw in the history.

    Data księgowania: 01-09-2014
    Data operacji: 01-09-2014
    Tytuł operacji: Wydanie Karty
    Kwota w walucie rachunku: -0.25
    Waluta rachunku: PLN

  13. Hey guys how much is the card issuance? because if I send a test deposit from my bank then the bank Zachodni will withdraw on thesame day.

  14. What exchanges do you guys use? Bitcurex just got harder restrictions on the personal info-side and you cant go for the fakenamegenerator there anymore because they need some more info that we cant find there.

    So an exchange that doesnt need any advanced verifacation?

  15. Hello, I can not login, it tells me: NIEPOPRAWNY LOGIN LUB HASŁO, would be wrong password, but i dont care.

    I tried to recover the password with the email, but I do not receive any emails from the site. I tried to re-register, it says registration failed. help!

  16. I have some experience with these cards so If I can answer some of your questions

    I know it is frustrating to find info on a topic youre interested and I want to save people time by telling you some hard won practical advice before you get any ideas.

    I have ordered 20 cards a few months ago from Poland, they arrived in envelope exactly as in the article except they were from brebank.

    I then used 10 of them to make transfers to them from various accounts(sums between 60e-500e) some of the money cleared and i could collect it from a ATM straight away or over the course of a few days but other cards were "blocked" with as little as 100e from 1 transfer and the ones that first cleared were blocked when I tried a second transfer on them

    The funny thing is that they are technicaly not blocked you can still put money on the card just cant get it out on atms or web sites, on the atm is said transanction could not get through contact bank...

    I called the bank and said they will transfer me to the english department and hung up(+10times)

    I think the bankers are more then aware for what the cards are being used and I think theyve calculated correctly that any fraudulent funds which is the bulk of there biz can be held up in the account for 4 years until the card expires and I am guessing they get to keep the fucking money since the card is technicaly not blocked and they can claim they could not locate you and bla bla bla…they get the money

    So bottom line … this looks like a great thing but its very insecure because only 1 out of 3 or 4 times you get the money(but only once) and when you don`t you just look at it..Forever:))

    Hope this helped

  17. So can anyone confirm the status of these? Are they still viable to use or am I gonna end up transferring my money to em only to end up donating it to a true criminal (read:banker) thanks!

  18. Be carefull. Card work correct and one day it will be locked with your money on it! It’s common problem!

  19. Please explain after applying for the card with a polish identity , how I would then get the card delivered to Australia?

    Maybe I’m slow…….

  20. hello,
    if you have blocked card with funds inside i can help to cashout. only thing you need is orginal carrier from card. just contact me with my @ adress.

    • Marek Nowacki

      Hi you wrote ‘
      if you have blocked card with funds inside i can help to cashout. only thing you need is orginal carrier from card. just contact me with my @ adress.’ – I have a card from mbank in GBP thats locked with around 200GBP. Can you help please?

  21. hi all
    to Jones : my card is locked with some money on it. I called their service but they said to me that they were unable to unlock a card by phone.
    So i sent a mail and they answered they were on the issue.
    Do you know how to unlock it ?

    Regards,

  22. Hi all,
    I wanted to ask, do you need a Polish ip in order to be able to register the cards? Would registration work if you use a VPN service with a Polish ip?
    Kind Regards
    David

  23. I was just wondering, how exactly do you get the bitcoins onto these cards in the first place?
    Everything after that is crystal clear, I just don’t get how I can transfer the bitcoins into the prepaid card in order to cash it out.

  24. How do you get the card to you in the first place? To my understanding, you get the card then register but I don’t see on here how to get the envelope showed in the beginning. I’m sure it’s probably on the site somewhere, but I can’t read Polish.

  25. You can get those cards through Nucleus:
    nucleuspf3izq7o6.onion.top/item/1x-legit-prepaid-plastic-visa-card-bank-acc-pln-f6f66a1e632968d06837bc8fb06e4301e04b4aef

  26. Totally useless guide!!

    It’s pretty much impossible to ship that card to your own country with the way describe it here, the prepaid on nucleas and the one from iotabank have nothing to do with this guide.

    Waste of time and money!

  27. Only a question, but i don’t live in poland (like a lot of person interested at this card), where are shipped this fucking card=?

  28. Hello,

    I bought some of those cards and they will receive payments from a company (about 400 euros each / month).

    Will they be blocked by the bank ?

    Thank You

  29. i called the bank today,
    they dont provide this card anymore!
    F***K the woman told me they stopped this type of card!
    Do you guys know where to get this kind of card?

    let me know~!

  30. Try QCK card with direct bicoin deposit.

  31. I also have QCK card. It is great. No ID is required, simply order it to any address. No signature is required. They send card via regular mail same as Skrill. If you can have mailbox for two weeks with some fake name, it is work well. You will receive your card to another name and you can use it. I hope this help you. :)

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