Send and receive money easily using the mobile phone number of your contacts who use Wero, regardless of which country they are in.
Payconiq is evolving into Wero, a new European payment solution supported by leading banks across Europe, including BIL.
This change will take place gradually over the coming weeks. During this period, your Payconiq service will continue to work as usual.
Wero offers a secure and easy way to pay, along with new features and services that reflect the future of payments. As with Payconiq, you will be able to make instant transfers via your smartphone and pay by scanning QR codes.
Wero is already live in several European countries, including Germany, France, Belgium, and the Netherlands, and is used by more than 54 million registered users.
At BIL, Wero will soon be available through a dedicated Wero mobile app. The app will be available for download shortly, and we will inform you as soon as it is ready.
Send and receive money easily using the mobile phone number of your contacts who use Wero, regardless of which country they are in.
Scan the QR code and pay your bills in seconds: no need to enter the references, the amount and the beneficiary anymore.
Scan the QR code and it’s paid, easy and secure, no need to enter credit card details.
Scan the QR code and pay 100% contact-free, simply and safely, in shops or restaurants.
The Wero name has started to appear alongside Payconiq to initiate the transition.
Payconiq continues to operate as usual, and information about the upcoming arrival of Wero has started to be shared.
Wero will be available and deployed gradually by merchants (shops, restaurants and other retailers).
You’re invited to download the app and link your BIL bank account.
Payconiq is still available but no longer downloadable.
Payconiq is no longer usable and Wero is your new app for mobile payments.
We will keep you informed every step of the way.
Download the Wero app from the Apple App Store or Google Play Store and connect it to your BIL bank account by following Wero's instructions.
Payconiq will remain available throughout the transition period and can continue to be used until 30 September 2026. After this date, the application will be deactivated.
Have a question? Visit our FAQ, which will be expanded over the coming days to support you throughout your transition to Wero.
Wero is a new European digital payment solution designed to be simple and convenient. It enables users to send money instantly and make payments, both online and in-store, directly from their bank account.
It is already available in Belgium, Germany and France, and will be launched in the Netherlands and Luxembourg in 2026, with additional countries to follow shortly.
Wero transforms Payconiq from a national payment solution into a broader European payment solution, offering exciting new features, including the ability to make payments across different countries to other Wero users.
It is supported by major European banks and financial institutions, with the aim of providing secure and easy payments throughout Europe.
Since 7 September, Wero has been available on all official app stores (Apple App Store and Google Play Store).
We invite you to download the Wero app now and link it to your BIL account:
In September, Payconiq payments and services will be gradually transferred to Wero. You can then start using the Wero app and manage all your payments within the app, just as you previously did with Payconiq.
We invite you to download Wero now and link it to your BIL account:
You can continue using Payconiq as usual until its permanent discontinuation on 30 September 2026. The Payconiq app will remain available throughout the transition period to Wero.
From 22 September, you will no longer be able to download the Payconiq app or add a bank account to Payconiq.
The transition will be fully completed by 30 September 2026, when the Payconiq app and brand will no longer be in use.
To continue making your usual payments without interruption, we recommend downloading the Wero app now and linking it to your BIL account.
Yes. You will continue to benefit from the same ease of use and high level of security you are accustomed to with Payconiq. Wero offers a high level of security and complies with European standards for security, regulatory compliance and data protection
Wero is committed to protecting your personal and financial information. Wero has been designed to meet the high security standards of the banking sector and European authorities, ensuring the highest level of security for your information and payments. Wero works closely with BIL to protect your data at every stage.
The Wero app is secured using the authentication methods built into your phone (PIN code, fingerprint or facial recognition), meaning that only you can access your Wero account from your device. For the highest level of protection, we recommend enabling biometric authentication (fingerprint or facial recognition), if supported by your phone, and always keeping both your Wero app and BILnet app updated to the latest version.
The Wero app is designed to be both secure and easy to use. It complies with banking security standards, and every transaction must be confirmed using your password or, more commonly, your phone's biometric security features.
Receiving a payment through Wero does not require any action on your part. Funds are automatically credited to your account. Stay vigilant: Wero will never ask you to click on a link or provide your security credentials or banking details in order to receive a payment.
However, it is always advisable to remain cautious when shopping or banking online. We therefore invite you to consult Wero's 10 Golden Rules to protect your money.
To set up your new app, simply open the Wero app and follow the instructions to connect your BIL account. During the process, you will be redirected to BILnet to verify your identity using LuxTrust, Luxembourg's secure digital identity solution.
You will need to link your BIL account in Wero to a unique mobile phone number or email address.
You can add as many supported bank accounts as you wish to the Wero app, including accounts held with different banks.
You can see which banks support Wero when selecting your bank within the app. Please note that you must use a different phone number or email address for each bank account linked to Wero.
The Wero app allows you to carry out different types of payment transactions, including:
Note: Payconiq online QR codes cannot yet be scanned in the Wero app. The migration is currently underway.
The Wero app also allows you to monitor:
You can use the Wero app to pay invoices, make in-store payments and send or receive money between individuals. Online payments are also available with selected merchants.
Yes. During the transition period, you can use your Wero app to scan Payconiq QR codes on invoices and in stores until 31 December 2026.
You can use the Wero app in other countries, including Belgium, France, Germany and the Netherlands.
Yes. For person-to-person payments, Wero users from Belgium, France, Germany and the Netherlands can send and receive money to and from users in Luxembourg, provided they have activated Wero.
They can also scan Wero QR codes to make payments in Luxembourg, just as Luxembourg users can scan Wero QR codes in other countries.
Wero is available free of charge in all countries where it is offered. Payments made in another country cost no more than an instant SEPA payment.
