Terms & Conditions

These Terms and Conditions ("Terms") govern the relationship between you and WhiteStone National Financial Services B.V. ("WhiteStone National", "we", "us", or "our") and set out the conditions under which we provide our services to you. Please read them carefully before opening an account.

1. Who we are

WhiteStone National is a trading name of WhiteStone National Financial Services B.V., a private limited company incorporated in the Netherlands under KvK number 87654321, with its registered office at Keizersgracht 123, 1015 CJ Amsterdam, the Netherlands.

WhiteStone National provides payment and account services in partnership with regulated financial institutions. Where required, deposit and payment services are provided under the licence of our partner institutions, details of which are available on request.

2. Eligibility

To open and maintain an account with WhiteStone National Bank, you must:

• Be at least 18 years of age;
• Have legal capacity to enter into a binding contract;
• Provide accurate, current, and complete information during onboarding;
• Comply with all applicable laws and regulations in your jurisdiction;
• Not be resident in a country subject to international sanctions that would prohibit us from providing services to you.

3. Opening your account

Opening an account is subject to successful identity verification and our internal risk assessment. We may decline to open an account for any lawful reason and are not obliged to provide the reasons for refusal.

You agree to provide accurate information and to promptly notify us if any of your details change. You are responsible for the security of your account credentials and for all activity on your account, except where caused by our error or a security breach on our side.

4. The services we provide

WhiteStone National provides the following services, each subject to its own specific terms which are presented at the point of activation:

• Accounts — everyday checking and savings accounts, with multi-currency support;
• Cards — virtual and physical payment cards issued under the licence of our partner institutions;
• Transfers — domestic and international payment services;
• Savings & Investments — access to managed investment plans;
• Crypto — purchase, sale, and custody of supported digital assets;
• Loans — personal, business, and other credit products.

We may modify, suspend, or discontinue any part of the services at any time, with notice to you as required by applicable law.

5. Your responsibilities

You agree to:

• Use your account only for lawful purposes and in accordance with these Terms;
• Keep your login credentials, PIN, and 2FA codes confidential and not share them with anyone, including WhiteStone National Bank staff;
• Notify us immediately if you suspect unauthorised access to your account;
• Not use the services to launder money, finance terrorism, evade taxes, or engage in any other unlawful activity;
• Respond promptly to any reasonable requests we make for information related to your account.

6. Fees and charges

Our fee schedule is published on our Pricing page and is incorporated into these Terms by reference. Where a fee applies to a specific transaction, we will disclose the amount before you confirm the transaction.

We will provide you with at least 30 days' notice before increasing any recurring fees or introducing new mandatory fees, unless a shorter notice period is required by law or is necessary to comply with a legal obligation.

7. Security

We implement industry-standard security measures including two-factor authentication, encrypted communications, and continuous transaction monitoring. You acknowledge that no system is completely secure and that you are responsible for maintaining the security of your devices and access credentials.

8. Liability

Our liability to you is limited to the extent permitted by law. We are not liable for indirect, incidental, or consequential losses, or for losses arising from events beyond our reasonable control.

Nothing in these Terms limits our liability for fraud, for death or personal injury caused by our negligence, or for any other liability that cannot lawfully be excluded.

9. Suspension and closure

You may close your account at any time by contacting our support team. Any remaining balance will be returned to a bank account in your name.

We may suspend or close your account immediately if we believe it is being used in breach of these Terms, in a manner that could expose us to legal or regulatory liability, or where required by law or a competent authority.

10. Changes to these terms

We may update these Terms from time to time. Material changes will be communicated to you at least 30 days in advance by email or through the app. If you do not agree with the changes, you may close your account free of charge before the changes take effect.

11. Complaints

If you are unhappy with the service you have received, please contact us at complaints@whitestonenational.com. We will acknowledge your complaint within two business days and aim to resolve it within 15 business days.

If you remain dissatisfied, you may escalate your complaint to the relevant financial ombudsman in your jurisdiction.

12. Governing law

These Terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of the Netherlands. The courts of Amsterdam have exclusive jurisdiction, save where mandatory consumer protection law in your country of residence provides otherwise.