N26 expands instant payment offer with introduction of European digital payment solution Wero
August 10, 2026
N26 expands instant payment offer with introduction of Wero
Berlin, 11 August 2026 – N26 today launched Wero, the digital wallet and instant payment solution developed by the European Payments Initiative (EPI), directly within the N26 app. The new feature enables customers in Germany and France to send and receive money in seconds using only a phone number or email address, removing the need to share or enter an IBAN.
Instant, IBAN-free transfers have been a core N26 feature for over a decade within its own user base, helping N26 customers across Europe navigate fragmented domestic payment schemes with instant, frictionless transfers. Having further expanded its offers in this area over the years, the introduction of Wero takes this familiar experience further by opening this up to recipients outside the N26 ecosystem.
By embedding Wero into the N26 app’s native transfer flow, customers will be able to benefit from a single European payment standard that offers a fast, secure and independent alternative for daily digital transactions, with the ability to send and receive funds instantly from individuals who don't hold an N26 account, with no bank details or separate app required. Powered by SEPA Instant and the Wero network, transfers arrive in the recipient's bank account in under 10 seconds, any time of day.
"Instant payments without an IBAN have been a core N26 feature since our inception. With Wero, we’re extending this seamless experience to the broader European banking ecosystem, bringing the simplicity N26 customers already know to even more people.”
Wero is available to eligible N26 customers in Germany and France, with a progressive rollout to further markets planned for the future.
About N26
N26 is a leading European digital bank operating with a German banking license. Built on a foundation of technology, transparency and trust, the company provides simple, secure, and digital-native banking to millions of customers across 24 markets. Headquartered in Berlin with a strategic presence in major European hubs including Barcelona, Madrid, Milan, Paris and Vienna, the company is powered by a diverse 1,600-strong team representing over 90 nationalities. The company is committed to empowering its customers with financial confidence and control, delivering a best-in-class banking experience designed for the modern era.
About EPI
EPI (or European Payments Initiative) is supported by 18 European banks and payment service providers. Beyond the shareholders, over 50 institutions in Europe are now members of EPI. They have joined forces with a common goal: to offer a unified mobile payment service, to all European companies and citizens, Wero. EPI intends to enable European consumers and merchants and to carry out all types of retail transactions simply, via a resolutely sovereign digital wallet. Find out more at epicompany.eu and follow us on LinkedIn
About Wero
Based on instant account-to-account (A2A) payments, Wero further streamlines payments in Europe by eliminating intermediaries in the payment chain and the associated additional costs. Wero already supports payments between individuals, and will shortly unveil payments to professionals (P2Pro). Wero has been live for P2P payments in Belgium, France, and Germany since 2024, currently serving 58 million users. For retail payments, Wero is live in Germany since the end of 2025 with progressive roll-out in France and Belgium throughout 2026. Major migrations of at least 15 million consumers are also planned for Payconiq in Luxembourg (by 2026) and iDEAL in the Netherlands (by 2027). Point-of-sale payments will also be offered in 2026, as well as value-added services such as integration of merchant loyalty programs and recurring payments and subscription management. Find out more at wero-wallet.eu and follow us on Instagram , Facebook and Wero’s LinkedIn