Wero is a new European digital payment solution designed for simplicity and convenience. Like Payconiq, it lets you send money and make payments directly from your bank account.
And Wero goes further, bringing together users and merchants across multiple European countries while introducing new payment services and features. It is already available in Belgium, Germany and France, with more countries joining over time.
Payconiq is becoming Wero.
Wero is the European payment solution backed by leading European banks. Over the coming months, Payconiq services will gradually transition to Wero in Luxembourg.<br />So what's changing, what is staying the same – and what does it mean for you?
What is Wero?
Why is Payconiq becoming Wero?
Wero was created with the ambition to unify payments across Europe and introduce new services that reflect how people pay today and in the future. Designed for Europe, Wero is a future-ready and independent payment solution. Soon, you'll be able to use Wero in-store, online and to pay invoices.
The things you love about Payconiq, built for Europe.
By becoming Wero, Payconiq is joining a broader European payment ecosystem backed by major European banks and designed to enable secure, simple and scalable payments across Europe. It is a vital step in building a stronger, more independent European payment solution.
Wero is backed by major European banks and continues to grow across Europe. It gives you the simplicity, security and trust you expect from Payconiq, plus new ways to send money, buy and pay as easily across participating European countries as you do at home.
What happens next?
The phased transition from Payconiq to Wero will start later this year and will be complete by the end of 2026.
What it means for users
Everything you love about Payconiq – and more
The same bank-based payment experience
The same high security and data protection standards
A clear and gradual transition
For now, you can continue paying as normal, with the same reliability, security and convenience. We'll let you know when it's time to download the Wero app – it only takes a couple of minutes to link your account and get started.
What it means for merchants
For now, keep using your current setup
We'll keep you informed at every stage
Your transition will be managed by Buckaroo, who will tell you exactly what you need to do and when
How the transition will happen
The transition to Wero will take place in the second half of 2026 in 3 phases. You will be told by your bank when it’s time to download the Wero app, while the transition for merchants is managed by our partner Buckaroo.
- Phase 1 – Wero arrives in Luxembourg
You will start seeing and hearing more about the Wero brand in the market. During this phase, Payconiq will remain the primary brand for payments. - Phase 2 – Transition phase
Wero becomes the primary consumer brand in Luxembourg. The Payconiq brand and services will progressively transition to Wero. - Phase 3 – Full transition
Payconiq will have fully transitioned to Wero.
By the end of the year everyone will have switched to Wero and the Payconiq brand will disappear. We will keep you informed at every stage of the process.
Frequently Asked Questions
Wero is the European way to pay. Built by major European banks, it's designed to make sending money and making payments simple, secure and easy, whether you're at home or shopping across Europe.
With Wero, Payconiq becomes part of something bigger. Everything you already like about Payconiq is evolving into a broader European payment solution, making it easier to pay across participating European countries.
Not right now. You can keep paying as usual. We'll let you know when it's time to download the Wero app and spend a couple of minutes setting it up.
For consumers
Yes. If your bank account is linked to Payconiq, it can be linked to Wero. You can link multiple accounts from participating banks to Wero, although each account must be linked to a unique phone number or email address.
Yes. You will be able to pay at participating merchants in Luxembourg. During the transition period, both Payconiq and Wero QR codes will be accepted. Over time, Payconiq QR codes will be replaced by Wero QR codes.
You will also be able to pay at participating merchants in Belgium, Germany, France and the Netherlands where Wero is accepted.There are no fees for using Wero in Luxembourg or abroad. However, you should always check with your bank regarding any fees that may apply to bank transfers or payments.
No. There is nothing you need to do right now. We will let you know when it is time to download the Wero app and complete the setup process.
Your data remains protected. The same strict security, privacy and data protection standards that apply today will continue to apply with Wero.
Yes. Wero applies the same high standards for security, compliance and data protection that you already expect from Payconiq.
The transition to Wero will happen step by step, with the Payconiq brand expected to disappear by the end of 2026. We will keep you informed throughout the process so you always know what to expect.
For merchants
To activate or manage Wero acceptance, please contact Buckaroo at wecare@buckaroo.eu. They will support you with onboarding, operational guidance and any required updates.
Yes. Payconiq-branded QR codes will gradually be replaced by Wero-branded QR codes, and there will only be a limited transition period during which both types of QR codes will be accepted.
Important: do not print new Payconiq QR codes for use after summer 2026. Updated Wero materials will be provided during the transition.
Consumers will need to download the Wero app and connect their bank account. Once activated, they will be able to pay with Wero wherever it is accepted.
The payment experience for merchants will remain simple and familiar. Buckaroo will communicate any operational or technical changes in advance.
For onboarding support, operational questions or information about accepting Wero, Buckaroo will remain your primary contact during and after the transition.