What is Wero and how do I use it?

Wero is an instant payment service created by the European Payments Initiative. It lets you send and receive money in real time across participating European banks using a phone number or email instead of an IBAN.

Wero is currently available to customers who opened their account in France (with a DE or FR IBAN) or in Germany. All other markets are excluded for now.

You can set up Wero directly in the N26 app:

1. In the Home tab, select ‘Send’, the ‘+’ icon, and then ‘Wero’.
2. Link your phone number and/or email address to start using Wero

Anyone can send you money with Wero using the phone number or email you’ve linked.

You can send money using a recipient's phone number, email address, or QR code:

1. In the Home tab, select Send, and then Wero.
2. Choose an existing contact, enter a phone number or email address, or tap the QR code icon in the top right corner to scan a QR code.
3. Enter the amount.
4. Confirm with your PIN or biometrics.

The money arrives in the recipient's account in less than 10 seconds.

You can manage your linked phone number and email address in the app using your paired device:

1. In the Home tab, select your profile and then ‘Wero Settings’
2. Select Manage Proxies.
3. Add a new identifier or edit an existing one.

You can link up to three phone numbers and three email addresses to your N26 account. Each phone number or email can only be linked to one bank at a time.

You can deregister from Wero at any time using your paired device:

1. In the Home tab, select your profile and then ‘Wero Settings’
2. Select ‘Deactivate Wero’ and confirm.

Your phone number and email will be removed from Wero, and you will no longer be able receive Wero payments via these contact details.

Wero is integrated into your N26 account. If you lose your phone:

• Block your N26 access immediately using the app or on web.
• Contact Support if needed.

Blocking your account also secures your Wero access.

A Wero payment can fail for several reasons:

• Insufficient funds: There is not enough money in your account
• Transfer limits: You have reached your daily Wero limit of €2,500.
• Unsupported bank: The recipient’s bank is not part of the Wero network.

Wero payments are instant and cannot be canceled.

Before confirming a payment, always check the recipient’s name in the app. If you send money to the wrong person, you need to contact the recipient directly to request a refund.

Your phone number may already be linked to Wero through another bank. To use it with N26, you must first unlink it from the other bank’s Wero service and then link it again in your N26 app.

Sending and receiving money with Wero between individuals is free on N26.

Your Wero limit is €2,500 per day in total. Your N26 instant transfer limits also apply. You can view or adjust your limits in the app by going to your profile in the Home tab and selecting ‘Instant transfer limits’.