Already launched in Germany, France and Belgium, Wero is continuing to gain momentum. Next step: Luxembourg. Five Luxembourg banks--Spuerkeess, BGL BNP Paribas, Bil, Post Luxembourg and Banque Raiffeisen--have formalised their integration into the European Payments Initiative (EPI), with a planned launch for their customers by June 2026.

The objective: to offer an instant, simple, secure and above all sovereign payment solution on a European scale, in order to compete with foreign solutions such as Visa and Mastercard. Payments will be made from account to account (A2A) without going through international intermediaries. The project has the support of Luxhub, “the fintech acting as a technical service provider to ensure a smooth transition,” states the press release.

In a country where almost half the working population is cross-border, the interoperability of payments with neighbouring countries is crucial. Thanks to Wero, residents will be able to send and receive money instantly, pay for purchases online or in-store, and pay their bills from a single app, whether in Luxembourg, Belgium, France, Germany, or (soon) in the Netherlands.

40m users

From next year, Wero will be gradually rolled out to retailers in Luxembourg and will take over from Payconiq, which will be officially replaced by September 2026. This transition period will allow retailers to start accepting Wero payments, while transferring their transactions seamlessly.

With more than 40m registered users, Wero has confirmed its ambition to become the benchmark digital wallet in Europe. New banks, acquirers and service providers have been joining the project since early 2025, paving the way for the addition of key functionalities such as online payment, scheduled for late 2025. From 2026, the platform will also offer solutions for in-store payments, subscription management and loyalty programmes.

With its advanced financial infrastructure, strong digital adoption, supportive regulatory framework and central position in Europe, [Luxembourg] serves as a strategic gateway for us to scale our innovative cross-border instant payment services,” comments EPI CEO Martina Weimert. “Thanks to Payconiq’s local reach and trust from merchants, I’m confident that the roll-out of Wero will be seamless and impactful to bring our promise to reality.”

This article was originally published in French.