I know most people here are US, but I wanted to ask if anyone had experience with wero-wallet.eu?
On the grounds of sovereignty, it’s exiting. But it’s already made so many wrong turns in terms of independence.
- The app is only available in first-party app stores. Not even a closed-source direct download on their website.
- It’s fully in play integrity/Apples keychain. With no statements about alternatives.
- They have openly announced that they treat custom-roms as rooting/jailbreaking and deem it unacceptably unsafe for running the app.
- This will probably keep being the blanket statement it always is. Doubt even Graphene with it’s attestation will be accepted. And for some reason non-mobile clients are of course out-of-scope.
I wish there was at least a clear reasoning for what’s safe/unsafe in this context. My fiat bank is blocking rooted devices, but for now tolerates all custom roms without relying on integrity API or a Google account if you don’t try to use GPay. To my knowledge Paypal is completely ignorant about the runtime environment with no checks whatsoever. All the while, Wero seems to actively grasp for straws on reasons why you can’t use it on any given phone. They even have special requirements for running on older devices (<A10).
Don’t. SEPA is the go-to here. And Curve exists if you don’t like the Apple or Google/you’re on GrapheneOS.
Some terminals even let you pay by square here.
I don’t dully understand the post. But for your bank blocking the app, why not just use the bank website?
My point was, that my bank is way more lenient compared to Wero and there is no good reasoning for Wero to be so paranoid. Wero does not actually offer a webapp.
Please correct me if I am wrong, but I understand it like this: Wero is just a UX layer and to identify the user and their bank. It uses “SEPA Instant Credit Transfer (SCT Inst)” as the protocol. This was made mandatory to support for all EU banks in October 2025.
So wero is not the only app, there are plenty other national apps, which again, are just UX for SCT Inst protocol.
Examples: Poland - Blik, Netherlands - iDeal, Sweden - Swish, Slovenia - Flik, Spain - Bizum…
I guess wero tries to replace all this so people can send money across eu countries.
I’m not that well versed myself, but a normal SEPA tranfer via IBAN is SCT, right? And the instant SEPA transfer “Echtzeitüberweisung” is what banks offer internally for their clients, being SCT Inst. So Wero then just allows you to build SCT Inst requests on the fly and send them off? That has me a bit confused as to why it’s marketed as a destinct platform/product. If this is the case, shouldn’t it just basically be a vcard/qr-string type format you can generate locally like a template, share with a “buyer” and they send it to their bank. Like how “Girocode” is already used. There is no real need for an account, is there?
Wero is replacing a lot of them soon
Adding to that, Wero is trying to change the need for exchanging IBANs to just using phone numbers. Imo this is not a good thing tho but I guess in the current day and age it’s the way to go.
Allegedly there also will be a way to use a mail address but apparently depends on the bank (some banks implement Wero in their normal banking app while others implement it using the Wero app).
But while it’s a nice initiative it’s far from comparative to PayPal for example (things like payment protection etc won’t happen in Wero).
Yes, but most of these national apps I mentioned are already phone number based.
I also hate this. Phone numbers get recycled by operators, they are not owned by user, they just get assigned.
Not to mention sim swapping and privacy leakage by design.
I use it. Not directly with the wero app but the integration in my bank’s app. So for me it works on rooted LineageOS (with some safetynet fix shenanigans).
