They are sent out in Poland. But obviously people can send them out and sell them on like on SR. It is an actual card. No online a account or anything. There is no balance on so you can only put money on through an exchange. Its basically a anonymous top up card. The reason for fake name generator is because its a polish account and its just incase it is flagged up by an exchange. But no record of who owns the card is kept by the issue who is WBK. You can use these on ATM's around the world. Technically its not illegal but seeing as they only post them out in Poland its kinda a grey area