EPI announced that Wero reached 43.5 million registered users across Belgium, France, and Germany by September 2025 - one year after its launch. Total P2P transaction volume exceeded EUR 7.5 billion, and membership grew to 25 institutions including 14 new non-shareholder participants.
Fintech Adoption
Revolut became the first major neobank to join Wero, going live with P2P payments in France, Belgium, and Germany from July 2025. N26 signed a membership agreement for launch in early summer 2026. The willingness of fintechs to join validates EPI's open membership model.
Migration from National Schemes
The bulk of Wero's user base migrated from existing national P2P schemes - primarily Paylib in France and Payconiq in Belgium. German adoption remains comparatively low at approximately 1.4 million users, reflecting the country's slower digital payment adoption and strong cash culture.
E-Commerce Pivot
With the P2P foundation established, EPI's focus shifted to e-commerce payments. Online merchant payments launched in Belgium (October 2025) and Germany (November 2025), with major retailers including Lidl, Decathlon, and Rossmann among early adopters. Acquirer support includes Stripe, Worldline, Nexi, and PAYONE.
What This Means
Wero's first-year numbers are encouraging but context-dependent - most users were migrated, not acquired. The real test begins with e-commerce: can Wero compete with card payments at checkout? The breadth of acquirer support, including Stripe, suggests the industry is taking the challenge seriously.