Send and receive money with Wero

Verified 06 November 2026 - Public Service / (Prime Minister)

Do you want to transfer money immediately to someone you know? Thanks to Wero, on your bank's mobile app, you no longer need to enter the bank details of the payment recipient. From your smartphone, simply enter or select a contact from your directory (phone number or email address) to send him the money. Similarly, you can also receive a payment. Here is the information you need to know to use Wero.

Wero allows you to transfer money from account to account in a few seconds, free of charge, from its banking application. It's a instant payment service developed on a European scale.

Wero is a system of e-wallet. This system is based on a centralized database that matches mobile phone numbers, email addresses and IBAN users of Wero. To use this database, banks must be members of the Wero service. The partner banks then offer Wero to their customers.

The issuer (payer) and the beneficiary of the instant payment via Wero must hold a payment account domiciled in a member bank.

To use Wero you must activate this service in theyour bank's mobile app on your smartphone.

FYI  

Wero replaces Paylib which no longer works.

Wero is usable between individuals to send, request and receive money.

Wero is gradually developing with merchants to allow the payment of purchases online or in store.

Please note

Depending on your bank, and subject to conditions, it is possible that Wero is accessible to a minor from the age of 16, subject to the agreement of one of its legal representatives.

To activate Wero, you must go through theyour bank's mobile app on your smartphone.

You must select a current account to your name that you associate with Wero. Then you agree to Wero's terms and conditions of use.

It is the account you have chosen and associated with your mobile phone number that will be able to send and receive money with Wero.

With Wero, you can transfer money from account to account by entering only the mobile phone number or email address of the beneficiary. You no longer need to know its IBAN.

If you are face to face at the time of the operation, you can also use a QR code to scan.

With your smartphone, on your bank's mobile app, when Wero is activated for you and for the payment recipient:

  • Enter the amount to send to your contact. Enter or select the phone number or email address of your contact and then validate the payment order on your banking application.
  • If your contact is next to you and he does not want to give his phone number, he can generate on his own smartphone his Wero identification code QR. With your smartphone, you enter the amount to send and then you scan the QR code of your interlocutor to send him the corresponding amount.

Have Wero, you no longer need to share your RIBS and your IBAN to receive a payment.

When Wero is activated for you and the person who owes you money:

  • Simply give your phone number or email address to your contact, who will enter on his smartphone the amount he owes you. The payment order is then validated by your interlocutor on his banking application
  • If your contact is next to you, you can also display your QR code Wero on your smartphone, by entering the mobile application of your bank. Present it to your interlocutor for scanning and you will immediately receive the money he owes you.

FYI  

Wero also allows you to ask for money from one of your contacts. With your smartphone, on your banking application, you enter the amount requested and you select the contact to whom you send your request.

Most often, the minimum amount is €1 by operation.

The maximum amount of money transfers per Wero varies between banks. The bank may set a ceiling per transaction and a cumulative ceiling per day.

Depending on the bank, different conditions of use are possible:

  • The ceiling of Wero operations may be independent of the ceiling applicable to your SEPA transfers
  • Wero transactions can be included in an overall ceiling applicable to all transfers made from your banking application.

Find out more by reading the Wero Terms and Conditions of Use, which can be found on your bank's website.