Since its launch in 2024, Wero has been progressively establishing itself as Europe's alternative to American payment giants. This instant payment solution, developed by the European Payments Initiative (EPI), is gradually replacing national solutions like Paylib in France. But practically speaking, which banks and neobanks currently offer Wero to their customers?
What is Wero?
Wero is much more than just a payment system: it's a genuine revolution in the European financial ecosystem. This solution enables instant and free transfers between individuals, and in the future, will allow payments to online and physical merchants.
If you want to understand Wero's functionality and the transition from Paylib in detail, we invite you to read our complete guide on Wero and the European payment revolution.
Wero Availability: The Complete Overview
Here's an updated overview of Wero availability across major traditional banks and neobanks in France:
Traditional Banks
| Bank | Wero Availability |
|---|---|
| BNP Paribas | ✅ Yes |
| BPCE Group (Banque Populaire, Caisse d'Épargne) | ✅ Yes |
| Crédit Agricole | ✅ Yes |
| Société Générale | ✅ Yes |
| Crédit Mutuel Alliance Fédérale | ✅ Yes |
| La Banque Postale | ✅ Yes |
Good news: All major French traditional banks have already integrated Wero into their applications. If you're a customer of one of these banks, you can already enjoy instant and free payments with Wero.
Online Banks and Neobanks
| Bank | Wero Availability |
|---|---|
| Fortuneo | ✅ Yes |
| Boursorama | ✅ Yes |
| Monabanq | ✅ Yes |
| BforBank | ❌ No (not yet announced) |
| N26 | ❌ No (not yet announced) |
| Revolut | ❌ No (planned July 2025) |
| Trade Republic | ❌ No (not yet announced) |
| Nickel | ❌ No (not yet announced) |
| Bunq | ❌ No (not yet announced) |
| OnlyOne | ❌ No (not yet announced) |
The Pioneers: Boursorama and Monabanq
Among online banks, Boursobank and Monabanq are pioneers in already offering Wero to their customers. This early availability is explained by their respective ownership by Société Générale and Crédit Mutuel, two banking groups that are founding members of the EPI.
Expected 2025 Launches
Fortuneo is expected to integrate Wero in Autumn 2025. As a subsidiary of Crédit Mutuel Arkéa, an EPI member, this integration is a logical step in the solution's progressive rollout.
Revolut has announced its arrival on Wero for July 2025. This membership marks a major turning point: it's the first major pan-European neobank to join the Wero network. This integration will allow Revolut's 40 million customers in Europe to access Wero payments directly from their app.
What About Other Neobanks?
For neobanks like N26, Trade Republic, Bunq, Nickel, or OnlyOne, no launch date has been officially announced. Their integration will depend on several factors:
- EPI membership: These neobanks will need to join the European Payments Initiative
- Technical developments: Wero integration requires significant technical adaptations
- Commercial strategy: Some neobanks prioritize other instant payment solutions
💡 Important information: This information consists of projections based on the main banking groups' schedules and is subject to change. For official confirmation of Wero availability in each of the banks mentioned below, you should consult the official announcements from these banks or from the EPI regarding Wero's launch.
Why Are Some Neobanks Delayed?
Wero's deployment in the neobank universe is more complex than it appears. Several reasons explain these delays:
1. Infrastructure Independence
Unlike online banks like Boursorama or Fortuneo, which rely on their parent bank's infrastructure, pure neobanks like N26 or Revolut have developed their own systems. Wero integration therefore requires substantial technical development.
2. Strategic Priorities
Some neobanks have already invested heavily in their own instant payment solutions. Wero integration represents an additional investment that must be evaluated against the added value for their customers.
3. Regulatory Considerations
To join the Wero network, neobanks must meet specific regulatory requirements and obtain EPI approval.
How to Use Wero?
If your bank already offers Wero, here's how to take advantage of it:
- Check availability in your banking app (usually in the "Payments" or "Transfers" section)
- Activate Wero by following your bank's instructions
- Register your phone number or email address as your Wero identifier
- Send money instantly and free of charge to your contacts who use Wero
Wero's great advantage? You don't need to know the recipient's IBAN: their phone number or email is sufficient!
What If Your Bank Doesn't Offer Wero Yet?
If your current bank doesn't offer Wero yet, you have several options:
Option 1: Wait
Most French banks and neobanks should progressively integrate Wero. If you're satisfied with your current bank, it may be wise to wait for its integration.
Option 2: Open a Secondary Account
Nothing prevents you from opening a free account with Boursobank or Monabanq to enjoy Wero now, while keeping your main account elsewhere.
Option 3: Switch Banks
If Wero represents an important feature for you, you can consider migrating to a bank that already offers it. Online banks like Boursobank offer fast and fully digitalized account opening processes.
Our Take: The Future Belongs to Wero
With more than 40 million users in just a few months, Wero is establishing itself as a key player in European payments. The progressive rallying of traditional banks and Revolut's planned arrival in July 2025 confirms this momentum.
For users, Wero offers several concrete advantages:
- Complete free transactions
- Instant 24/7
- Simplicity of use
- Security to European standards
The European payment landscape is undergoing major transformation. Wero embodies the ambition of European digital sovereignty against American giants. Its success will depend on its ability to quickly convince all banking players and neobanks to join the movement.
One thing is certain: Wero is no longer an option, it's the future of payments in Europe.