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iDEAL | Wero Terms and Conditions

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iDEAL | Wero Terms and Conditions


1. General information

This document sets out the terms and conditions (the “Terms”) for the Wero technical service (“Wero” or the “Service”) offered through the Revolut app. These Terms form a legal agreement (the "Agreement") between:

  • you; and
  • us, Revolut Bank UAB, a bank incorporated and licensed in the Republic of Lithuania with company number 304580906 and authorisation code LB002119, with its registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania. We are licensed and regulated by the Bank of Lithuania and the European Central Bank as a credit institution. You can view our licence on the Bank of Lithuania’s website and our company registration on the Lithuanian Register of Legal Entities.

In the Netherlands, Wero is provided to you by Revolut Bank UAB acting through its Netherlands branch, Revolut Bank UAB (Netherlands Branch), registered with the Dutch Chamber of Commerce (Kamer van Koophandel) under number 87231832 and having its branch office at Barbara Strozzilaan 201, 1083 HN Amsterdam, the Netherlands. In addition to being licensed and supervised by the Bank of Lithuania and the European Central Bank, Revolut Bank UAB is, for the conduct of its business in the Netherlands, subject to supervision by the Netherlands Authority for the Financial Markets (Autoriteit Financiele Markten, AFM, registration number 12048959) and De Nederlandsche Bank (DNB).

The Agreement concerning the use of Wero is concluded upon your acceptance of these Terms. The Agreement is valid for an indefinite period. These Terms should be read in conjunction with the Personal Terms and any matters not expressly covered in these Terms are governed by our Personal Terms. You must comply with the Personal Terms at all times when using Wero.

If there is any conflict between these Terms and the Personal Terms regarding Wero, these Terms will prevail. You can always download a copy of these Terms from our website or app.


2. What is WERO?

Wero is a service offered by EPI Company SE (“EPI”), a Belgian company having its registered office in De Lignestraat 13, 1000 Brussels, Belgium, with company registration number (CBE number) 0755811726 authorised by the National Bank of Belgium as a payment institution.

In the Netherlands, Wero is being introduced as the successor to iDEAL. Following the acquisition of iDEAL by EPI, iDEAL is being progressively migrated to Wero from 2026 onwards. During the transition you may see iDEAL and Wero presented together (for example under a combined “iDEAL | Wero” brand), and iDEAL functionality will gradually be replaced by Wero.

Wero allows you to make instant payments from your Revolut account to shops or businesses that accept Wero as a payment method (P2M), where this functionality is available.

Wero payments are executed using your linked Revolut euro-denominated account, subject to your available balance and applicable limits. Wero transactions are processed in euros (EUR) as instant credit transfers. Currency conversion is not supported within the Wero flow.

Payments are ordered from your Revolut payment account to the shops or businesses you are paying, with immediate availability of the funds, where those shops or businesses accept Wero.

You do not need to register, enrol or set up a Wero profile, wallet or any Wero feature in the Revolut app to make a Wero payment to a shops or businesses. Wero is made available to you at the point of payment.

Revolut does not charge a fee for the use of Wero.


3. How can I use Wero?

You can only use Wero if:

  • you have a Revolut payment account denominated in euro (EUR);
  • you agree to these Terms;
  • you are a resident of an EEA country where Wero is offered; and
  • you use Wero for your personal use.

You must inform us if your personal situation changes in a way that affects your eligibility. We reserve the right to verify the information you provide.


Paying shops or a business with Wero

Where this option is available, you can use Wero to pay for shops or a business that accept it. You may be sent to Wero from the shop's website or app, or you may scan a QR code.

Before you pay, you will see who you are paying and the amount. You approve the payment the same way as any other Wero payment, using Strong Customer Authentication (for example, your biometric login or passcode).

A Wero payment to shops or businesses is an instant transfer. Once you approve it, it is sent straight away and cannot be cancelled or reversed by us.

Wero payments to shops and businesses are single, one-off payments, Wero does not currently take regular or automatic payments from your account.

Transactions are processed 24/7/365 in real-time under the SEPA Instant Credit Transfer (SCT Inst) scheme.

You can pay shops or businesses using Wero up to the applicable limits. The maximum amount you can pay is €100,000. We may apply additional limits to the amount or frequency of Wero transactions, as determined by us and applicable law. We will inform you of these limits. We may restrict the use of Wero if transaction amounts exceed these limits. You can find the applicable transaction limits on our Fees and Limits page. Wero transactions are subject to SEPA Instant scheme rules and local clearing cutoffs.

If something goes wrong with your purchase, for example, the goods or service are faulty, not as described, please contact the shops or businesses directly. If they agree to a refund, they will send it back to you through Wero. You can also ask Wero for help with a refund.

This does not affect your legal rights. In particular, if a payment was made from your account that you did not approve, you can contact us and we will look into it and refund you where required, as explained in our Personal Terms.


Your Responsibilities:

  • you agree to use Wero in accordance with these Terms and all applicable laws and regulations (including anti-bribery and tax laws); and
  • you must not use Wero for unlawful purposes, to purchase illegal goods or services, or in a manner that infringes third-party rights.


4. When will we not process your WERO transaction?

  • We will reject your WERO transaction if:
  • Your Revolut account is blocked, suspended, or closed;
  • You fail strong customer authentication (SCA);
  • You enter incorrect recipient or payment information;
  • You have exceeded your daily or per-transaction limits;
  • You have insufficient funds in your Revolut euro (EUR) account;
  • The WERO service is temporarily unavailable due to maintenance or external service disruptions (e.g., SEPA Instant connectivity issues); or
  • The shops or businesses you are paying cannot be reached through the Wero service.

The list above is non-exhaustive and you might encounter situations where we block or reject your Wero transaction in order to be in compliance with applicable laws and regulations, or in the situations agreed in our Personal Terms.

If a transaction is rejected, we will notify you in the Revolut app and inform you of the reason for the rejection and, where applicable, how to rectify it, unless providing this information would be contrary to applicable EU or national law or a court or authority order.


5. What else should I know?

Your Obligations

  • You must comply with all instructions and requirements we provide to ensure the security of your data, Wero transactions, and the Revolut app.
  • You must comply with SCA requirements when requested.
  • You must not conceal your true IP address or change settings to circumvent these Terms, deceive us about your location, or bypass security features.
  • You must notify us of any incorrectly executed or unauthorised Wero transactions without delay and no later than 13 months from the date your Revolut account was debited.


System Requirements

To use Wero, you need a compatible mobile device with internet access that meets our software and security requirements. You may need to update your device's operating system if we change the supported versions. We don't warrant that the software related to Wero will always be compatible with your device.

You are responsible for keeping your Revolut app, login credentials and linked device secure.

If you suspect fraud or loss of access, please notify us immediately in accordance with Sections 8 and 21 of the Personal Terms.


6. Data Protection

Protecting your personal data is important to us. When you use Wero, Revolut acts as a data controller.

For full details on how we collect, use, share, and protect your personal data, your data protection rights (including how to exercise them), and the legal basis for our processing, please see our Customer Privacy Notice. This policy also covers data transfers and your rights under data protection law.


7. When will we stop providing WERO services to you?

The Agreement is concluded for an undefined period. You may terminate the Agreement at any time and for any reason by choosing not to use Wero to pay shops or businesses, or by contacting Support.

We may terminate the Agreement for any reason. If we do, we will inform you by email at least two months before the termination is effective.

We may also terminate the Agreement immediately if you engage in fraud or commit a serious breach of these terms or of the Personal Terms that apply to your Revolut Personal account.

Finally, the Agreement will automatically terminate if:

  • It is required by law or regulation;
  • Wero is decommissioned by its scheme provider (EPI);
  • Your Revolut account is terminated;
  • You revoke/withdraw consent for processing necessary data for Wero functionality;
  • You reject changes to this Agreement regarding the use of the Wero in accordance with Section 8 of these Terms.

If the Agreement is terminated, you will lose your access to the Service and will no longer be able to use any feature offered by Wero.


8. Changes to these Terms

We may change these Terms at any time. We will propose changes to you on a durable medium (e.g., via email or an in-app notification) no later than two (2) months before their proposed date of application.

You will be deemed to have accepted the changes if you do not inform us that you reject them before they are effective. To reject the changes, you must terminate these Terms (and your use of Wero), but you can do so free of charge at any time by informing us before the date the changes are effective. Amendments may come into force with immediate effect if they are strictly required by legislative or regulatory measures.


9. Filing a complaint

The claims clause in the Personal Terms applies to this contract. Please refer to Section 29 of the Personal Terms or our Complaints Policy for more information.

For customers in the Netherlands: if you have first raised your complaint with us and you are not satisfied with our final response, or you have not received a final response within the applicable period, you may refer your complaint to the Netherlands Financial Services Complaints Tribunal (Klachteninstituut Financiele Dienstverlening, “Kifid”), Postbus 93257, 2509 AG The Hague, the Netherlands (www.kifid.nl). You must refer your complaint to Kifid within one year of submitting it to us, or within three months of receiving our final response. Referral to Kifid is without prejudice to your right to bring the dispute before the competent Dutch courts.

You will be responsible for the correct use of the Service and, therefore, for the consequences that may arise from the incorrect use of its functionalities, without prejudice to the provisions of the Personal Terms of which this document forms part, as applicable.


10. Legal bits and pieces

Transfer of rights. Only you and us have any rights under the Agreement. You may not transfer any rights or obligations under the Agreement to any other person.

Your personal data. By entering into this Agreement, you acknowledge and consent to us disclosing the following information about you that is protected by bank secrecy to Wero, as operator of the scheme, and to the payment service providers participating in the scheme, solely to process, execute and settle your Wero payment:

  • the fact you are our client;
  • the account number and account user;
  • the payment proxy and/or IBAN;
  • and the details of the transaction (amount, time and beneficiary).

We will disclose what is necessary for that purpose and ensure recipients are bound by a duty of confidentiality. Any other disclosure of your client secret remains governed by our Personal Terms.The the sharing of your personal data, including information protected by banking secrecy, with third-party as needed to provide the Service to you.

Your withdrawal right. You may withdraw from the Agreement without giving reasons within 14 days of its conclusion. For the full “Right of withdrawal” notice, please see Section 6 of the Personal Terms.

Applicable law. The laws of the Netherlands apply to these terms and conditions and the agreement.

Languages. The language used in the performance of the Agreement regarding the use of the WERO service is Dutch. If these Terms are translated into another language, the translation is for reference only and the Dutch version shall prevail.

Disputes. Disputes in relation to, or arising from, the Terms will be settled by the courts of the Netherlands.