Wero Intelligence
EXPANDINGWero is the European Payments Initiative's (EPI) account-to-account digital wallet, built on SEPA Instant (SCT Inst) rails and launched in July 2024. It is expanding from person-to-person payments into e-commerce and point-of-sale checkout, and several national payment schemes are on announced migration or integration paths to Wero (Payconiq in Belgium and Luxembourg; iDEAL co-branding in the Netherlands).
Live markets (as recorded through Sep 9, 2026): Germany (since Jul 2, 2024), France (since Sep 1, 2024), Belgium (since Oct 1, 2024), Luxembourg (since Sep 1, 2026). Announced or planned, not yet live: Austria, Greece, Italy, Netherlands, Nordics (Vipps MobilePay), Poland, Portugal, Spain.
European Payments Initiative (EPI) · Launched Jul 2, 2024 · Rails: sepa-inst, tips
Professional intelligence on Wero, the European Payments Initiative's account-to-account wallet built on SEPA Instant rails: market rollout, participating banks, merchant acceptance, national-scheme migrations and upcoming milestones.
Upcoming
UpcomingDec 31, 2026
Luxembourg: last day to pay existing Payconiq QR codes with the Wero app
ClearingPost regulatory timelineUpcomingDec 31, 2027
Objective date for completing the iDEAL-to-Wero migration in the Netherlands, reaffirmed by EPI, the Dutch banks and payment service providers in the phase-two migration roadmap
EPI CompanyUpcomingJan 1, 2028
Objective date for full Purchase Protection coverage in the Netherlands, to be introduced collectively by Dutch banks and payment service providers
EPI CompanyLatest Developments
NewsOct 24, 2026
EPI, BLIK and Bancontact Company Join PPRO's Local Payments Council for Agentic Commerce
European account-to-account schemes now hold seats where the standards for AI-agent-initiated purchases are being written. The work programme covers delegated authority, agent attestation and the allocation of liability on rails that sit outside the card networks. The move follows EPI's membership of nexo standards earlier in October.
AnalysisOct 19, 2026
ING Will Not Support Wero on the ING Scanner as Dutch Payments Migrate
ING, Rabobank and ABN AMRO are handling app-free confirmation of online payments differently as iDEAL moves to Wero. ING has said its Scanner will no longer confirm online payments from October 2026, while Rabobank is keeping the Rabo Scanner and ABN AMRO is gradually replacing its e.dentifier with a USB Security Key.
NewsSep 21, 2026
More Than 48,000 Merchants Have Processed Wero Transactions, EPI Says
Belgian payment provider Payworld has joined the providers enabling Wero acceptance among Belgian merchants.
NewsSep 12, 2026
Fnac Darty Targets Early 2027 for Wero on Fnac.com
Fnac Darty joined Orange, Decathlon and Air France at a BNP Paribas press conference in Paris on 8 September to announce the first Wero for Merchants deployments.
NewsSep 11, 2026
BNP Paribas Opens Wero Online Payments to All Its French Retail Customers
The French lender's merchant acquiring for the wallet also extends to Germany, Belgium, the Netherlands and Luxembourg.
NewsSep 10, 2026
HiPay Joins EPI as Principal Member to Take Wero to French Merchants
EPI gains a French acquirer for a wallet that now counts 59 million users across Belgium, France and Germany.
NewsSep 7, 2026
EPI Barometer Finds 86% of French Consumers Value a Payment Solution Developed in Europe
Kantar surveyed more than 5,000 respondents across France, Germany, Belgium, the Netherlands and Luxembourg for EPI's annual study, published on 3 September 2026.
NewsSep 7, 2026
Wero Replaces Payconiq in Luxembourg as EPI Starts Final Migration Phase
The Wero app is listed in Luxembourg app stores from 1 September 2026 and in most European app stores from 7 September 2026.
Markets & Rollout
| Market | Live since | Live features | In pipeline | Source |
|---|---|---|---|---|
| GermanyDE | Jul 2024 | P2P (live Jul 2024), Online Payments (live Nov 2025), Cross-Border P2P (live Oct 2024) | POS/In-Store — PLANNED (Jun 2027) | EPIas of Jul 2026 |
| FranceFR | Sep 2024 | P2P (live Sep 2024), Online Payments (live Apr 2026), Cross-Border P2P (live Oct 2024) | POS/In-Store — PLANNED | EPIas of Jul 2026 |
| BelgiumBE | Oct 2024 | P2P (live Oct 2024), Online Payments (live Mar 2026), POS/In-Store (live Sep 2026), Cross-Border P2P (live Oct 2024) | — | EPIas of Sep 2026 |
| LuxembourgLU | Sep 2026 | P2P (live Sep 2026), Online Payments (live Sep 2026), POS/In-Store (live Sep 2026) | Cross-Border P2P — PLANNED | The Paypers / Wero Luxembourg site / RTL Today via Glenbrookas of Sep 2026 |
| AustriaAT | Not live | — | P2P — PLANNED, Online Payments — PLANNED, POS/In-Store — PLANNED, Cross-Border P2P — PLANNED | Raiffeisen Bank Internationalas of Jun 2026 |
| GreeceGR | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | Parapolitika / The Paypers / Tovima / EPIas of Jul 2026 |
| ItalyIT | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | EPIas of Apr 2026 |
| NetherlandsNL | Not live | — | P2P — PLANNED, Online Payments — PLANNED (Dec 2026), POS/In-Store — PLANNED, Cross-Border P2P — PLANNED | EPIas of Sep 2026 |
| Nordics (Vipps MobilePay)NORD | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | EPI / Vipps MobilePayas of Feb 2026 |
| PolandPL | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | Banking.Vision / EPIas of Mar 2026 |
| PortugalPT | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | EPI / EMPSAas of Mar 2026 |
| SpainES | Not live | — | P2P — EXPLORING, Online Payments — EXPLORING, POS/In-Store — EXPLORING, Cross-Border P2P — EXPLORING | EPIas of Feb 2026 |
Feature Availability
P2P
Live: Germany, France, Belgium, Luxembourg
Planned: Austria, Netherlands
Exploring: Greece, Italy, Nordics (Vipps MobilePay), Poland, Portugal, Spain
Online Payments
Live: Germany, Belgium, France, Luxembourg
Planned: Netherlands (Dec 2026), Austria
Exploring: Greece, Italy, Nordics (Vipps MobilePay), Poland, Portugal, Spain
POS/In-Store
Live: Luxembourg, Belgium
Planned: Germany (Jun 2027), Austria, France, Netherlands
Exploring: Greece, Italy, Nordics (Vipps MobilePay), Poland, Portugal, Spain
Cross-Border P2P
Live: Belgium, France, Germany
Planned: Austria, Luxembourg, Netherlands
Exploring: Greece, Italy, Nordics (Vipps MobilePay), Poland, Portugal, Spain
Participating Institutions
Institutions recorded as rollout participants in ClearingPost's tracker data.
ABN AMRO(Netherlands)
Argenta(Belgium)
BGL BNP Paribas(Luxembourg)
BNP Paribas(France)
BNP Paribas Fortis(Belgium)
BPCE(France)
Bank Van Breda(Belgium)
Banque Raiffeisen(Luxembourg)
Banque de Luxembourg(Luxembourg)
Belfius(Belgium)
Beobank(Belgium)
Bil(Luxembourg)
BoursoBank(France)
Commerzbank(Germany)
Consorsbank(Germany)
Credit Agricole(France)
Crelan(Belgium)
DZ Bank(Germany)
Deutsche Bank(Germany)
Erste Bank Oesterreich(Austria)
ING(Netherlands)
ING Belgium(Belgium)
ING Germany(Germany)
KBC(Belgium)
Keytrade Bank(Belgium)
N26(France, Germany, Netherlands)
Nagelmackers(Belgium)
Post Luxembourg(Luxembourg)
Postbank(Germany)
Rabobank(Netherlands)
Raiffeisen Bank International(Austria)
Raiffeisen-Landesbank Steiermark(Austria)
Raiffeisenlandesbank Niederösterreich-Wien(Austria)
Raiffeisenlandesbank Oberösterreich(Austria)
Revolut(Belgium)
Revolut Germany(Germany)
Societe Generale(France)
Sparkassen(Germany)
Spuerkeess(Luxembourg)
Volksbanken/Raiffeisenbanken(Germany)
bunq(Belgium, Netherlands)
norisbank(Germany)
vdk bank(Belgium)
Timeline
Oct 21, 2026
EPI becomes a founding member of PPRO's Local Payments Council for Agentic Commerce alongside BLIK, Bancontact Company and DIAS, which will develop common technical standards for agent identity, delegated consent, authorisation, disputes, refunds and payment method discoverability
PPROOct 7, 2026
EPI becomes a member of nexo standards, aligning Wero acceptance with the ISO 20022-based nexo specifications used by acquirers, terminal vendors and merchants ahead of the 2027 in-store rollout
EPI CompanyOct 1, 2026
Next phase of the iDEAL-to-Wero migration begins in the Netherlands: the Dutch Payments Association states that by October 2026 all Dutch banks are connected to Wero and that iDEAL|Wero payments then transition gradually to the Wero infrastructure
Dutch Payments Association (Betaalvereniging Nederland)Sep 3, 2026
EPI Barometer Finds 86% of French Consumers Value a Payment Solution Developed in Europe
ClearingPostSep 1, 2026
EPI's official Wero market launch date in Luxembourg (moved from end-June 2026); Payconiq to be permanently withdrawn from 30 September 2026
The PaypersAug 6, 2026
norisbank introduces Wero, completing Deutsche Bank Group full adoption across Deutsche Bank, Postbank, and norisbank
EPIJul 20, 2026
Decathlon activates Wero on decathlon.de, first market in its international footprint to offer Wero. A six-week joint activation campaign with EPI, scheduled for October, offers a €10 voucher to customers paying with Wero, funded entirely by EPI
SGI EuropeJul 17, 2026
Airwallex Activates Wero Integration for Merchants in Germany, Belgium, and France
ClearingPostJul 16, 2026
EPI and Dutch Banks Confirm iDEAL-to-Wero Migration Roadmap Through End of 2027
ClearingPostJun 12, 2026
BoursoBank Brings 8.9 Million Customers to Wero, Completing French Market Coverage
ClearingPostApr 20, 2026
Groupe BPCE completes first Wero e-commerce transactions in France, becoming first French banking group live. 500,000 customers from early May, 13 million targeted by summer. Launch merchants: ESF, Orange, Sosh, Veepee, DPD. Wero reaches 53 million users.
BPCE Group NewsroomApr 16, 2026
Bancomat, SIBS-MB WAY, and EPI complete joint proof of concept demonstrating cross-border QR-code-based person-to-merchant payment interoperability. La Banque Postale, Intesa Sanpaolo, and 28 MB WAY member banks provided operational support. First concrete deliverable from the February 2026 EuroPA MoU.
The Paypers / EPI CompanyApr 15, 2026
Dutch Payments Association hosts first 2026 lunch session with over 120 attendees; EPI's Ivo Broeren presents iDEAL-to-Wero Dutch implementation schedule and confirms additional Wero functionalities including subscriptions, event-driven payments, and purchase protection
Dutch Payments AssociationMar 31, 2026
Mandatory iDEAL|Wero co-branding deadline for all Dutch merchants; non-compliance constitutes breach of iDEAL merchant contract. Technical routing migration to Wero infrastructure planned for H2 2026, subject to DNB approval
CM.com / iDEALMar 26, 2026
EPI CEO Martina Weimert tells Reuters that Trump administration fears are accelerating Wero adoption among European merchants; discloses 52.5 million users and 45 scheme members. Two major merchants cited international resilience as motivation. Weimert expressed concern digital euro may not arrive before 2029.
Reuters (via Investing.com)Mar 24, 2026
Global Payments' Worldpay business joins EPI as Principal Member, enabling merchant clients to accept Wero payments across Europe via single integration
The Paypers / PaymentExpertMar 17, 2026
Luxembourg Prepares for Wero Launch as BGL BNP Paribas, BIL, Banque Raiffeisen and Spuerkeess Target End-June 2026, with POST Luxembourg to Follow
ClearingPostMar 3, 2026
E-commerce payments launched in Belgium with ING, KBC and BNP Paribas Fortis; 51.8M total users announced
EPI / FinextraMar 1, 2026
Payconiq brand officially discontinued in Belgium; consumer app renamed to Bancontact Pay, merchant professional tools (Payconiq GO app and Merchant Portal) renamed to Bancontact Pro. All Payconiq payments migrated to Bancontact and Wero systems.
BancontactFeb 12, 2026
Defrancq becomes first Belgian company to enable Wero invoice payments via POM, expanding Wero use cases beyond P2P and e-commerce into B2C billing
Finextra / The PaypersFeb 11, 2026
Commerzbank Reverses Course to Join Wero, Bringing 11 Million Customers to the European Payments Initiative
ClearingPostFeb 2, 2026
Bancomat, Bizum, SIBS/MB WAY and Vipps MobilePay (EuroPA Alliance) sign MoU with EPI to interconnect their solutions with Wero across 13 European countries (~130 million users): cross-border P2P from 2026, e-commerce and POS from 2027
EPIJan 31, 2026
iDEAL-to-Wero co-branding phase begins in Netherlands; logo replacement by March 31
iDEAL / EPIJan 26, 2026
finby, European PSP and acquirer, signs partnership with EPI to support Wero merchant acceptance across Europe
Finextra / The PaypersJan 23, 2026
PSA Payment Services Austria begins preparing issuing support for Wero in Austria and Germany
EPI / PSAJan 21, 2026
Mollie becomes EPI Principal Member, connecting 250,000+ merchant relationships across Europe to Wero. Plans to enable Wero acceptance in DE and BE from H1 2026, FR and LU shortly after.
EPI Company / MollieDec 8, 2025
N26 signs agreement with EPI to integrate Wero for Germany, France and Netherlands (H2 2026)
N26Nov 26, 2025
Raiffeisen Bank International joins EPI as first Acceptor PSP headquartered outside initial launch markets, enabling merchant Wero acceptance in Austria and CEE
RBINov 18, 2025
Airwallex becomes EPI Principal Member, enabling global merchant clients to offer Wero as a payment method at checkout across Europe
Airwallex / FinextraNov 17, 2025
E-commerce payments launched in Germany with Sparkassen and Volksbanken/Raiffeisenbanken
EPIOct 27, 2025
iDEAL to Phase Into Wero, Bringing Dutch Payment Giant Under European Scheme
ClearingPostJun 23, 2025
EuroPA Alliance (Bancomat, Bizum, SIBS/MB WAY, Vipps MobilePay) and EPI announce cooperation to explore cross-border interoperability between their payment solutions
EPIJun 17, 2025
Five Luxembourg banks (BGL BNP Paribas, Bil, Raiffeisen, Spuerkeess, Post Luxembourg) formalize EPI membership
EuropaPressWireOct 31, 2023
EPI completes acquisition of iDEAL (Currence iDEAL) in the Netherlands and Payconiq International (Belgium/Luxembourg)
EPIJul 2, 2020
European Payments Initiative (EPI) launched by 16 European banks; ECB welcomes the initiative
ECBRelated Infrastructure
SEPA Inst
Underlying rail
FPS · Eurozone · EPC / RT1 / TIPS
TIPS
Underlying rail
FPS · Eurozone · ECB / Eurosystem
T2 / TARGET
Related infrastructure
RTGS · Eurozone · ECB / Eurosystem
Coverage Archive (53 more)
Sep 2026Orange Launches Wero Subscription Bill Payment for Sosh Customers in FranceAug 2026dm Becomes Fourth Major German Retailer to Accept Wero OnlineAug 2026Wero Enters Physical Retail via QR Code, NFC Deferred to 2027Aug 2026N26 Activates Wero P2P Payments in Germany and FranceJul 2026Lidl Becomes First German Food Retailer to Accept Wero OnlineJul 2026Airwallex Activates Wero Integration for Merchants in Germany, Belgium, and FranceJul 2026EPI and Dutch Banks Confirm iDEAL-to-Wero Migration Roadmap Through End of 2027Jul 2026Wero Goes Live in Luxembourg as Fifth MarketJul 2026Luxembourg Begins Three-Month Payconiq Phase-Out as Wero Goes LiveJun 2026Wero Launches in Luxembourg as Four Banks Begin Payconiq TransitionJun 2026Wero E-Commerce Live in Three Markets Six Months After German DebutJun 2026Austrian Banks Become EPI Shareholders as Wero Surpasses 55 Million UsersJun 2026Erste Bank and Raiffeisen Take EPI Stakes to Bring Wero to AustriaJun 2026ACI Worldwide Joins EPI to Integrate Wero Across European Merchant BaseJun 2026ACI Worldwide Joins EPI and Powers Rabobank's iDEAL-to-Wero MigrationJun 2026BoursoBank Joins Wero, Bringing 8.9 Million French Customers Into European Payment NetworkJun 2026Wero Reaches 55 Million Users as ING Germany Reveals 15 Percent Activation RateJun 2026BoursoBank Brings 8.9 Million Customers to Wero, Completing French Market CoverageJun 2026ING Germany Extends Wero to E-Commerce PaymentsJun 2026Four Luxembourg Banks to Launch Wero at End of June with Full Feature SuiteMay 2026Luxembourg Enters Countdown to Payconiq-to-Wero CutoverMay 2026Digital Euro Legal Tender Status Draws Competition Warning from EPI as EU Targets Year-End LegislationMay 2026Luxembourg Readies Wero Standalone App for Summer Launch as Payconiq Enters Final MonthsMay 2026Bancomat, EPI, and MB WAY Validate Cross-Border QR Merchant Payments in EuroPA's First Proof of ConceptMay 2026iDEAL-to-Wero Migration Shifts Settlement Risk from Dutch Banks to MerchantsMay 2026Payconiq's Three-Phase Exit Provides Blueprint for Wero's National Scheme IntegrationsMay 2026Austria Builds Wero Infrastructure as PSA and RBI Establish Issuing and Acceptance FrameworkMay 2026Hectronic Integrates Wero QR Payments at European Charging Stations and Parking MachinesMay 2026EPI Pledges to Replace Non-European Infrastructure Underpinning WeroApr 2026Nexi Activates Wero E-Commerce Acceptance for German Merchants via ComputopApr 2026Wero's Autumn 2026 NFC Payments Will Use Card Rails, Not SEPA InstantApr 2026Wero Adds Subscription Management and Event-Dependent Payments to European WalletApr 2026BPCE Completes First Wero E-Commerce Transactions in France, Targeting 13 Million Customers by SummerApr 2026France's Largest Online Bank Leaves Seven Million Customers Outside Wero NetworkApr 2026ECB Payments Strategy Backs Wero as Pan-European Payment SolutionApr 2026Germany's Seven Million Wero Users Trail France's Sixteen Million as Rollout Enters Second YearApr 2026Wero Defers NFC Point-of-Sale Payments to 2027Apr 2026Dutch Merchants Complete iDEAL|Wero Co-Branding Phase as Technical Migration Awaits DNB ApprovalMar 2026Trump Administration Fears Drive New Merchant Interest in Wero as EPI Reaches 45 MembersMar 2026Wero's Coverage-First Strategy: How 90 Percent Bank Account Reach Sets the Stage for E-Commerce GrowthMar 2026iDEAL's March 31 Co-Branding Deadline Sets Stage for Dutch Payment Migration to WeroMar 2026Wero Introduces Buyer Protection for European Account-to-Account E-Commerce PaymentsMar 2026Commerzbank Reverses Course to Join Wero, Bringing 11 Million Customers to European Payment InitiativeMar 2026Luxembourg Prepares for Wero Launch as Five Banks Formalize EPI MembershipMar 2026Wero E-Commerce Goes Live in Belgium as European Payment Wallet Reaches 51.8 Million UsersMar 2026Klarna Launches Instant P2P Payments Across 13 European Countries, Creating 114-Million-User Overlay NetworkMar 2026Nordic Mobile Payments at a Crossroads: Swish Gets Supervised, Vipps MobilePay Goes EuropeanFeb 2026EuroPA and EPI Sign MoU to Create Pan-European Payment Network Covering 130 Million UsersNov 2025Wero E-Commerce Goes Live in Germany - First Merchant Payments for European Payment InitiativeNov 2025Wero E-Commerce Payments Go Live in Germany and Belgium with Major RetailersOct 2025iDEAL to Phase Into Wero, Bringing Dutch Payment Giant Under European SchemeSep 2025Wero Reaches 43.5 Million Users After First Year, Expands Beyond P2PJul 2020European Payments Initiative (EPI) Founded
Primary Sources
- European Payments Initiative (EPI)Operator announcements, rollout milestones and participating institutions
Individual metrics above carry their own source and as-of date where published.
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