If in the EU. Try WERO and tell your bank how to make it better if you truly care about an alternative to PayPal and the Visa/Master duopoly. Don’t expect the perfect solution. Understand that alternatives are never better or perfect from the get-go but that we need to tell them through using them how to become better and better. Be a pioneer, not a follower :)
Wero - Digital payment wallet
Experience fast and secure digital payments with Wero’s wallet, enabling you to send and receive money between bank accounts in under 10 seconds.wero-wallet.eu
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Alfred J. Kwak (audiokontor) ☕
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Alfred J. Kwak (audiokontor) ☕ • • •Alfred J. Kwak (audiokontor) ☕
in reply to Jan Wildeboer 😷:krulorange: • • •tork7
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to tork7 • • •Larvitz :fedora: :redhat:
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Larvitz :fedora: :redhat: • • •Larvitz :fedora: :redhat:
in reply to Jan Wildeboer 😷:krulorange: • • •Marcus Schwarz 🇪🇺
in reply to Larvitz :fedora: :redhat: • • •Jan Wildeboer 😷:krulorange:
in reply to Marcus Schwarz 🇪🇺 • • •Marcus Schwarz 🇪🇺
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Marcus Schwarz 🇪🇺 • • •Marcus Schwarz 🇪🇺
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Marcus Schwarz 🇪🇺 • • •Marcus Schwarz 🇪🇺
in reply to Jan Wildeboer 😷:krulorange: • • •panda4x4
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to panda4x4 • • •panda4x4
in reply to Jan Wildeboer 😷:krulorange: • • •epicompany.eu/media-insights/e…
Patrick Schmitz
in reply to Jan Wildeboer 😷:krulorange: • • •well it is hard to try when it's not available yet. For now it is only Germany, France and Belgium. It will take a few years before it will be wider available. Here in the Netherlands, we only see a Wero logo next to the iDEAL logo, and it will be during 2027 before we actually see anything from it.
But it definitely is an interesting development.
Jan Wildeboer 😷:krulorange:
in reply to Patrick Schmitz • • •Patrick Schmitz
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Patrick Schmitz • • •EPI Company | EuroPA and EPI launch collaboration to expand sovereign…
epicompany.euElias Probst
in reply to Patrick Schmitz • • •@schmitzel76 yep, my primary bank is Dutch, so I'm still waiting for anything substantial to happen…
@jwildeboer
Jan Wildeboer 😷:krulorange:
in reply to Elias Probst • • •To Wero
iDEALJiří Eischmann
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Jan Wildeboer 😷:krulorange: • • •Parade du Grotesque 💀
in reply to Jan Wildeboer 😷:krulorange: • • •Well, I had no idea wero existed, but I just found out it does, and that it is available through my bank... Thanks!
(Obligatory nitpicking: it's Visa MasterCard and Amex...)
Reiner Jung 🇬🇱 🇺🇦 🇪🇺
in reply to Parade du Grotesque 💀 • • •Jan Wildeboer 😷:krulorange:
in reply to Reiner Jung 🇬🇱 🇺🇦 🇪🇺 • • •Parade du Grotesque 💀
in reply to Jan Wildeboer 😷:krulorange: • • •@prefec2
I think it's a misunderstanding.
I know wero is not Visa / MasterCard / Amex, I was trying to point out that the US credit card system is made out of these 3 companies.
Wero is, of course, its own thing.
Jan Wildeboer 😷:krulorange:
in reply to Jan Wildeboer 😷:krulorange: • • •"But I have Bizum and it's so good" -> It joins Wero epicompany.eu/media-insights/e…
"But I have iDeal and it's so good" -> It joins Wero ideal.nl/en/naar-wero
"My bank doesn't support it" -> Other banks do, switch, maybe?
EPI Company | EuroPA and EPI launch collaboration to expand sovereign…
epicompany.euTomSeppert
in reply to Jan Wildeboer 😷:krulorange: • • •🇪🇺 Paul Schoonhoven 🍋🍉
in reply to Jan Wildeboer 😷:krulorange: • • •we have it for many years. It is ideal... 😅
('Ideal' was the old trademark of Wero on the NL)
Jan Wildeboer 😷:krulorange:
in reply to 🇪🇺 Paul Schoonhoven 🍋🍉 • • •Jan Wildeboer 😷:krulorange:
in reply to Jan Wildeboer 😷:krulorange: • • •Open Risk
in reply to Jan Wildeboer 😷:krulorange: • • •#wero is cool, but the #digitaleuro is the revolution (for Europe that is, China has a digital yuan already for some time).
On the frontend its all bits over the wire but in the backend it does matter which ledger you ultimately connect to..., i.e., private bank money versus sovereign money.
(Now I go to bed to avoid all the noise about the big brother central bank monitoring all our precious transactions 🤣 )
Jan Wildeboer 😷:krulorange:
in reply to Open Risk • • •Open Risk
in reply to Jan Wildeboer 😷:krulorange: • • •well there is a bit of a tussle between the banking industry and the central bank, as digital central bank cash could be quite disruptive, depending on its features. But the Chinese experience seems to be meh, much ado. In any case implementation, AML etc. will have to be by the private sector, so indeed it will be some integration and coexistence of protocols.
Very important indeed towards digital sovereignty. Imho more important in the longer term than the cloud stuff.
Martin Seeger
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Jan Wildeboer 😷:krulorange: • • •"[...] the European Payments Initiative (EPI) and the EuroPA Alliance signed a landmark agreement to build a pan-European interoperable payment network covering 130 million users across 13 countries. The system, built around the digital wallet Wero, aims to let Europeans pay and transfer money across borders without touching a single American network."
europeanbusinessmagazine.com/b…
Europe's $24 Trillion Breakup With Visa and Mastercard
EBM ADMIN Team (European Business Magazine)Curious
in reply to Jan Wildeboer 😷:krulorange: • • •🔗 David Sommerseth
in reply to Jan Wildeboer 😷:krulorange: • • •I just hope there will come some real alternatives in the Nordics, as #Vipps is a piece of sh.... Especially for users on #degoogled Android. It so often requires a full reset and re-login to activate it because it believes the non-rooted phone is rooted. This is the only banking app I have used which behaves like that. The issue has been reported and ignored by them multiple times.
I've also worked in the bank where Vipps originates from ... That also is of great concern, as the working morale in the division I was in was depressing. I hope the branching out of Vipps to a separate company has helped. But given the ignorance to fixing issues, I have strong doubts. Adding more features which enables user tracking and moving towards a marketplace app has way more attention.
Dávid Bárdos
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Jan Wildeboer 😷:krulorange: • • •Berg am Laimerin (v2)
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Berg am Laimerin (v2) • • •Dr. Doro (she/her)
in reply to Jan Wildeboer 😷:krulorange: • • •Stevez
in reply to Jan Wildeboer 😷:krulorange: • • •So what about e.g. Revolut? It has been around for ages and the service is not US based afaik... 🤔
Jan Wildeboer 😷:krulorange:
in reply to Stevez • • •"British bank Revolut joins European payment system Wero" heise.de/en/news/British-bank-…
And: help.revolut.com/en-DE/help/tr…
British bank Revolut joins European payment system Wero
Werner Pluta (heise online)Stevez
in reply to Jan Wildeboer 😷:krulorange: • • •Chris Adams
in reply to Jan Wildeboer 😷:krulorange: • • •have you found any meaningful pricing to help people who want integrate with it, understand what they’re getting themselves into?
I have spent some time looking through the website a few times now, because I would prefer to use it when building services instead of Stripe or PayPal, but I must be missing something obvious if it’s already there.
Jan Wildeboer 😷:krulorange:
in reply to Chris Adams • • •M Berberich
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to M Berberich • • •M Berberich
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to M Berberich • • •M Berberich
in reply to Jan Wildeboer 😷:krulorange: • • •daniel lublin
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to daniel lublin • • •daniel lublin
in reply to Jan Wildeboer 😷:krulorange: • • •Andrzej Wójcik
in reply to Jan Wildeboer 😷:krulorange: • • •Blik i jest!
www.blik.comwithoutclass
in reply to Jan Wildeboer 😷:krulorange: • • •Whatisgoingon
in reply to Jan Wildeboer 😷:krulorange: • • •António Manuel Dias
in reply to Jan Wildeboer 😷:krulorange: • • •So it seems Portuguese MBWAY users can just keep using the current app and wait for the integration with Wero.
This seems, to me, a push from the private banking sector to try to prevent the Digital Euro adoption before this is a thing more than any concern about Europe's payment sovereignty.
Ben B.
in reply to Jan Wildeboer 😷:krulorange: • • •Julian
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Julian • • •sijmen
in reply to Julian • • •@j_r@jwildeboer it's just a link to your internet banking, so if your bank has got a normal internet banking interface you can use that as well.
it just shows a big honking qr code by default because most people do their internet banking from their phone, but there's an equally button to pay from your browser
Julian
in reply to sijmen • • •Jan Wildeboer 😷:krulorange:
in reply to Julian • • •smeg
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to smeg • • •Stefan Ihringer
in reply to Jan Wildeboer 😷:krulorange: • • •I once wrote a ticket from within the Wero app about some iOS UI issues and they responded and somewhat improved things in the next update. So... thumbs up for #Wero. I will write them about the NGO's responses.
Axol Otleon
in reply to Jan Wildeboer 😷:krulorange: • • •Eric
in reply to Jan Wildeboer 😷:krulorange: • • •In NL iDeal (will be replaced by Wero) is already the de facto standard for online payments and Sepa Direct debit for recurring payments. Since a few year I also use Sepa Direct debit from NL for a few services in Germany.
Curious how Wero will work with POS payments. I read they also want to introduce this in the future.
Jens Beyer
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Jens Beyer • • •Jens Beyer
in reply to Jan Wildeboer 😷:krulorange: • • •DjDog
in reply to Jan Wildeboer 😷:krulorange: • • •Louis Leblanc
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Louis Leblanc • • •Louis Leblanc
in reply to Jan Wildeboer 😷:krulorange: • • •Farshid Hakimy / فرشید
in reply to Jan Wildeboer 😷:krulorange: • • •I only see it as a temporary solution until more privacy friendly solutions like gnu taler can be used with euro.
Jan Wildeboer 😷:krulorange:
in reply to Farshid Hakimy / فرشید • • •Farshid Hakimy / فرشید
in reply to Jan Wildeboer 😷:krulorange: • • •it _could_ help reducing the impact from foreign sanctions against individuals, but it doesn't make small payments more privacy friendly than sepa payments.
I don't think it should be recommended only because it is european, because even with wero, your payments are not really private.
Instead of PayPal knowing who you are paying, now one or two banks will know. And the data being in europe doesn't make it impossible to abuse it.
Jan Wildeboer 😷:krulorange:
in reply to Farshid Hakimy / فرشید • • •Farshid Hakimy / فرشید
in reply to Jan Wildeboer 😷:krulorange: • • •But my point was that sepa itself isn't privacy friendly.
I don't think we should embrace projects like wero when banks could instead work on gnu taler.
Wero being a success would mean that the future of money won't be privacy friendly in the eu, especially because they are also working on making nfc payments possible.
And unfortunately cash availability is getting worse.
People that prefer cash are already penalized today, f.e. at self checkouts.
Matthew Booth
in reply to Jan Wildeboer 😷:krulorange: • • •WERO sounds really interesting.
Are you aware of anybody who's written it up for the technical layman? It sounds like a P2P protocol between banks, but I can't imagine there's no central control at all.
Farshid Hakimy / فرشید
in reply to Matthew Booth • • •Jan Wildeboer 😷:krulorange:
in reply to Farshid Hakimy / فرشید • • •Ysegrim
in reply to Jan Wildeboer 😷:krulorange: • • •@farshidhakimy @mattb ... Which still has the effect that anybody who knows (or enumerates) your phone number gets your full legal name from your bank; no transaction or interaction from you necessary, not even a notification will happen.
I recommend using Wero, but please don't use your phone number for that, unless you consider it public.
Jan Wildeboer 😷:krulorange:
in reply to Ysegrim • • •Ysegrim
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Ysegrim • • •Ascendor
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
Unknown parent • • •grob (teeth era) 🇺🇦🏳️🌈🏳️⚧️
in reply to Jan Wildeboer 😷:krulorange: • • •hell yeah!
Write to banks about improvement. Be friendly, be specific, tell them you like their service. Tell them exactly what's wrong or what you're missing. They love constructive feedback.
I know because I did exactly this. And now the app store links from my bank's website to the Wero app, point to the actual Wero app. Not erroneously to their 2FA app. Small thing, but an improvement. Got a nice thank you email too 😎
Jan Wildeboer 😷:krulorange:
in reply to grob (teeth era) 🇺🇦🏳️🌈🏳️⚧️ • • •oBuntschu
in reply to Jan Wildeboer 😷:krulorange: • • •try to support NGI Taler (by telling legislators maybe?) for another alternative. Pilot project in 🇨🇭 is live and can be used.
taler.net/en/ngi-taler.html
NGI Taler project funded by Horizon Europe and SBFI.
www.taler.netCommander KEEN 🖤♥️
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Commander KEEN 🖤♥️ • • •@Commander_KEEN Commerzbank "Wir beobachten diese Entwicklung interessiert und evaluieren vor allem die Abhängigkeiten zu einer möglichen Einführung eines digitalen Euro." [1] So talk to them and tell them you really want Wero now.
commerzbank.de/konzern/was-uns…
Commander KEEN 🖤♥️
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
Unknown parent • • •klara_tag
in reply to Jan Wildeboer 😷:krulorange: • • •Thanks for your post.
While checking I realized that Triodos Bank plans to leave Germany in 2027. Makes me sad that there will be fewer options in this niche of sustainable banking.
Guess I have a good list of choices with those supporting WERO.
PtitGNU
in reply to Jan Wildeboer 😷:krulorange: • • •And it looks like they’ve done everything possible to make their infrastructure independent from the US as well :
hosting-checker.net/websites/w…
Where is wero-wallet.eu hosted?
hosting-checker.netpanko_breadcrumb
in reply to Jan Wildeboer 😷:krulorange: • • •abeorch
in reply to Jan Wildeboer 😷:krulorange: • •like this
Pepijn and Cybso :progress: (he/him) like this.
Holger Hellinger
in reply to Jan Wildeboer 😷:krulorange: • • •Krist van Besien
in reply to Jan Wildeboer 😷:krulorange: • • •Peter Gogl
in reply to Jan Wildeboer 😷:krulorange: • • •Ives
in reply to Jan Wildeboer 😷:krulorange: • • •Florian :kt_sg: :swi_swi:
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Florian :kt_sg: :swi_swi: • • •Florian :kt_sg: :swi_swi:
in reply to Jan Wildeboer 😷:krulorange: • • •Switzerland is also (partly) part of SEPA, I can send euros for free to another country, something that does not work the other way around because my Austrian bank has a huge fee for sepa transactions to Switzerland 😤
Jan Wildeboer 😷:krulorange:
in reply to Florian :kt_sg: :swi_swi: • • •Florian :kt_sg: :swi_swi:
in reply to Jan Wildeboer 😷:krulorange: • • •Wero is as I understand Euros only, and also not available in all Euro countries.
Jan Wildeboer 😷:krulorange:
in reply to Florian :kt_sg: :swi_swi: • • •Joachim Tuchel
in reply to Jan Wildeboer 😷:krulorange: • • •@kelvan
this really is a dream. Imagine keeping Visa/Mastercard and Apple/Google out of the business and simply pay by using yopur phone at the cashier in your favorite supermarket or kebab shop.
I would absolutely love to see this happen rather sooner than later.
Andrey Bondarenko
in reply to Jan Wildeboer 😷:krulorange: • • •Terranerin 🖖 ✨ 🌎
in reply to Jan Wildeboer 😷:krulorange: • • •Leider bietet es meine Bank bisher nur von Privat zu Privat an. Im 2. Halbjahr sollen Online-Zahlungen dazu kommen. Ich hoffe, dass in naher Zukunft dann auch Vor-Ort-Zahlungen möglich sein werden.
Und klar habe ich diese WERO-Funktion in der ING-App bereits letztes Jahr aktiviert.
#WERO
Stephane V.
in reply to Jan Wildeboer 😷:krulorange: • • •And to replace PayPal, the vendor website should allow it as an option, so this will take some times.
JamesBont
in reply to Jan Wildeboer 😷:krulorange: • • •Ich halte persönlich nichts von diesen Diensten.
Zwar würde ich mir einen Gegensatz zu Stripe oder PayPal wünschen aber davon ist dieses Produkt Lichtjahre entfernt und war es wahrscheinlich auch nicht vorgesehen.
Es gilt eher zur Überwachung und Kontrolle der bürgerlichen Gelder.
Sprich: wenn ein Nachbar in der Not mal aushilft.
Wir müssen die Banken im Auge behalten, nicht umgekehrt !!!
WooShell
in reply to Jan Wildeboer 😷:krulorange: • • •Bas Zoetekouw
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to Bas Zoetekouw • • •Hugo 雨果
in reply to Jan Wildeboer 😷:krulorange: • • •drscream
in reply to Jan Wildeboer 😷:krulorange: • • •Wero Tracker - European Payment Adoption Progress
werotracker.euruthpozuelo
in reply to Jan Wildeboer 😷:krulorange: • • •abeorch
in reply to ruthpozuelo • •Jan Wildeboer 😷:krulorange:
in reply to ruthpozuelo • • •@ruthpozuelo See social.wildeboer.net/@jwildebo…
Jan Wildeboer 😷:krulorange:
2026-01-31 22:01:52
ruthpozuelo
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to ruthpozuelo • • •ruthpozuelo
in reply to Jan Wildeboer 😷:krulorange: • • •Lovely, I need sweden to cooperate, the app is Swish. Then I could send money to Bizum users.
Till then I am out of options.
Would love for it to work though…
Jan Wildeboer 😷:krulorange:
in reply to ruthpozuelo • • •ruthpozuelo
in reply to Jan Wildeboer 😷:krulorange: • • •Most users dont care or know about it.
This needs to be a EU initiative so banks are ”forced” into it. Same as they did with roaming.
Insane this is a thing in 2026…
Joachim Tuchel
in reply to Jan Wildeboer 😷:krulorange: • • •A first step could be that banks offering acceptance of #wero payments stopped making the price a secret.
My advice: start wero with really attractive prices (say, no more than 0.5 to 1% of payment) and make these prices Public.
Jan Wildeboer 😷:krulorange:
in reply to Joachim Tuchel • • •Joachim Tuchel
in reply to Jan Wildeboer 😷:krulorange: • • •I mean the fees for #c2b or #b2b payments.
Wero will not survive with beer table rounds of exchanging a few bucks spontaneously.
Nice gimmick, but not a business model.
GuacamOlé 🥑
in reply to Jan Wildeboer 😷:krulorange: • • •Ist mal wieder Henne/Ei. Bei meinen üblichen Shops (Galaxus/Otto/etc.) kann ich da nicht mit Zahlen.
Habe auf der Seite nix gefunden: GIbts da ne Liste wer das akzeptiert?
Jan Wildeboer 😷:krulorange:
in reply to GuacamOlé 🥑 • • •GuacamOlé 🥑
in reply to Jan Wildeboer 😷:krulorange: • • •Ok. Das hatte ich tatsächlich immer falsch verstanden. Ich dachte der Shop müsste explizit Wero anbieten.
IBAN ist mir tatsächlich immer etwas lästig (Galaxus hat leider kein Sepa). Muss ja eh bald die Bank wechseln, weil die Triodos in Deutschland dicht macht, dann pack ich das auf die Must-Have-Liste
koehntopp ~ :
in reply to Jan Wildeboer 😷:krulorange: • • •Jan Wildeboer 😷:krulorange:
in reply to koehntopp ~ : • • •koehntopp ~ :
in reply to Jan Wildeboer 😷:krulorange: • • •Feyter
in reply to Jan Wildeboer 😷:krulorange: • • •Thanks man. After doing some research, this appeared to me to be the first financial service that don't feel like a scam, in a long time.
Why do I only hear about it now?