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{{Short description|European mobile payment service}}
{{Short description|European mobile payment service}}
{{Notability|1=Companies|date=July 2024}}
{{Citations needed|date=September 2024}}
{{use dmy dates |date=November 2024}}
{{use dmy dates |date=November 2024}}
{{Infobox dot-com company
{{Infobox dot-com company
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}}
}}


'''Wero''' is a European [[mobile payment]] system intended to replace [[Giropay]] in Germany, [[Paylib]] in France<ref>{{Cite web |date=2024-09-30 |title=Wero set to become Europe's first unified payment solution |url=https://www.euronews.com/business/2024/09/30/wero-set-to-become-europes-first-unified-payment-solution |access-date=2024-11-27 |website=euronews |language=en}}</ref>, [[Payconiq]] in Belgium<ref name="TestAchats">{{cite web | author=TestAchats | date=2024-09-12 | title=Wero : nouveau système de paiement lancé en Belgique | website=Testachats | url=https://www.test-achats.be/argent/comptes-a-vue/news/wero-nouveau-systeme-de-paiement | language=fr | access-date=2024-09-15}}</ref> and Luxembourg and [[iDEAL]] in The Netherlands. The service was launched on 2 July 2024 by the [[European Payments Initiative]].<ref>{{cite web |year=2024 |title=EPI launches wero |url=https://wero-wallet.eu/news/press-release-wero-in-germany |url-status=dead |archive-url=https://web.archive.org/web/20240702110727/https://wero-wallet.eu/news/press-release-wero-in-germany |archive-date=2 July 2024 |publisher=[[European Payments Initiative]]}}</ref> The service intends to compete with [[PayPal]] and similar services, beginning as a real-time payment system and later with extended online payment function.
'''Wero''' is a European [[mobile payment]] system intended to replace [[Giropay]] in Germany, [[Paylib]] in France,<ref>{{Cite web |title=Wero set to become Europe's first unified payment solution |url=https://www.euronews.com/business/2024/09/30/wero-set-to-become-europes-first-unified-payment-solution |first=Tina |last=Teng |date=30 September 2024 |access-date=2024-11-27 |website=euronews |language=en}}</ref> [[Payconiq]] in Belgium<ref name="TestAchats">{{cite web | date=12 September 2024 | title=Wero : nouveau système de paiement lancé en Belgique | website=TestAchats | url=https://www.test-achats.be/argent/comptes-a-vue/news/wero-nouveau-systeme-de-paiement | language=fr | access-date=2024-09-15}}</ref> and Luxembourg and [[iDEAL]] in The Netherlands. The service was launched on 2 July 2024 by the [[European Payments Initiative]].<ref name=":2">{{cite web | url=https://epicompany.eu/media-insights/epi-ceo-says-europe-ready-for-one-digital-wallet-2 | title=EPI launches Wero, its innovative digital payment wallet in Germany |website=EPI Company SE |language=en |date=2 July 2024}}</ref> The service intends to compete with [[PayPal]] and similar services, beginning as a real-time payment system and later with extended online payment function.


The name is a [[Portmanteau|portmanteau]] made up of the English personal pronoun ''we'' and the European's common currency's name ''Euro'', but is also based on the Italian ''vero'' (true).<ref>{{Cite web |title=Neuer europäischer Zahlungsdienst soll 'Wero' heißen |work=Handelsblatt |first=Elisabeth |last=Atzler |access-date=5 November 2024 |url=https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/zahlungsverkehr-neuer-europaeischer-zahlungsdienst-soll-wero-heissen/29405650.html |date=7 September 2023}}</ref>
The name is a [[portmanteau]] made up of the English personal pronoun ''we'' and the European's common currency's name ''Euro'', but is also based on the Italian ''vero'' (true).<ref>{{Cite web |title=Neuer europäischer Zahlungsdienst soll 'Wero' heißen |work=Handelsblatt |first=Elisabeth |last=Atzler |access-date=5 November 2024 |url=https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/zahlungsverkehr-neuer-europaeischer-zahlungsdienst-soll-wero-heissen/29405650.html |date=7 September 2023}}</ref>


== History ==
== History ==
Line 21: Line 19:
===Background EPI project===
===Background EPI project===
{{further|European Payments Initiative}}
{{further|European Payments Initiative}}
The aim of EPI's project is to achieve greater independence from the market power of American payment service providers. According to the management consultancy Capco, EPI's market entry may come too late for many, but the train has "not yet completely left the station, but is already in motion." The Center for Financial Studies believes that the end of 2021 will be the "last opportunity for Europe to establish a payment system that can keep up with global competition" (especially against US competitors). During 2020 and 2021 several attempts were made to initiate the creatio European based payment system that could rival card based payment solutions of [[Mastercard]] and [[VISA]].
The aim of EPI's project is to achieve greater independence from the market power of American payment service providers. According to the management consultancy Capco, EPI's market entry may come too late for many, but the train has "not yet completely left the station, but is already in motion." The Center for Financial Studies believes that the end of 2021 will be the "last opportunity for Europe to establish a payment system that can keep up with global competition" (especially against US competitors). During 2020 and 2021 several attempts were made to initiate the creation of a European based payment system that could rival card based payment solutions of [[Visa Inc.|Visa]] and [[Mastercard]].


===2022===
===2022===
After 20 banks from Poland, Spain, German and Finland had withdrew from the project end of 2021, the remaining 13 banks pivoted the project towards a payment solution based on a digital wallet. <ref>{{cite web | author=Philip Benton | date=2022-03-25 | title=European Payments Initiative project pivots after 20 banks depart | website=Omdia | url=https://omdia.tech.informa.com/om022317/european-payments-initiative-project-pivots-after-20-banks-depart | language=en | access-date=2024-12-06}}</ref>
After 20 banks from Poland, Spain, German and Finland had withdrawn from the project end of 2021, the remaining 13 banks pivoted the project towards a payment solution based on a digital wallet.<ref>{{cite web | first=Philip |last=Benton | date=2022-03-25 | title=European Payments Initiative project pivots after 20 banks depart | website=Omdia | url=https://omdia.tech.informa.com/om022317/european-payments-initiative-project-pivots-after-20-banks-depart | language=en | access-date=2024-12-06}}</ref>


EPI announced it wanted to start the "digital wallet" with mobile-to-mobile payments in Belgium, Germany and France and offer its own app so that, according to the provider, almost all bank customers in these countries will most likely be able to use wero. It should be comparable to Twint (Switzerland) and [[MobilePay]] (Denmark).
EPI announced it wanted to start the "digital wallet" with mobile-to-mobile payments in Belgium, Germany and France. By offering its own app, according to the provider, almost all bank customers in these countries will most likely be able to use Wero. It should become comparable to Twint (Switzerland) and [[MobilePay]] (Denmark).


===2023===
===2023===
⚫
On 25 April, EPI announced that its shareholders confirmed the development (and launch) of the wallet based payment solution.<ref name=":4">{{cite web | url=https://web.archive.org/web/20230425060845/https://www.epicompany.eu/epi-company-announces-acquisitions-additional-shareholders-and-the-coming-launch-of-its-new-instant-payment-solution/ | title=EPI Company announces acquisitions, additional shareholders and the coming launch of its new instant payment solution |website=EPI Company SE |language=en |date=25 April 2023}}</ref> Several European institutions, among them European Central Bank, welcomed the initiative.<ref>{{cite web | url=https://www.ecb.europa.eu/press/intro/news/html/ecb.mipnews230425.en.html | title=ECB welcomes the EPI’s progress on building a European payment solution|website=European Central Bank|date=25 April 2023}}</ref>
On 25 april, EPI announced that its shareholders confirmed the development (and launch) of the wallet based payment solution.
⚫
<ref>{cite web | url=https://web.archive.org/web/20230425060845/https://www.epicompany.eu/epi-company-announces-acquisitions-additional-shareholders-and-the-coming-launch-of-its-new-instant-payment-solution/ | title=EPI Company announces acquisitions, additional shareholders and the coming launch of its new instant payment solution }}</ref> Several European institutions, under which the European Central Bank, announced they welcomed the initiative.<ref>{cite web | url=https://www.ecb.europa.eu/press/intro/news/html/ecb.mipnews230425.en.html | title=ECB welcomes the EPI’s progress on building a European payment solution}}</reF>


On 21 september 2023, EPI it selected the name 'Wero' for it's upcoming payment service. <ref>{{cite web | url=https://epicompany.eu/media-insights/epi-selects-wero-as-commercial-name-for-its-innovative-digital-wallet | title=EPI selects “Wero” as commercial name for its innovative digital wallet }}</ref>
On 21 September 2023, EPI selected the name 'Wero' for its upcoming payment service.<ref>{{cite web | url=https://epicompany.eu/media-insights/epi-selects-wero-as-commercial-name-for-its-innovative-digital-wallet | title=EPI selects “Wero” as commercial name for its innovative digital wallet |website=EPI Company SE |language=en |date=21 September 2023}}</ref>


In December 2023 EPI, launched a pilot operation between German [[Sparkasse Elbe-Elster]] and the French [[Banque Populaire]] based on the fully developed SCT-Inst SEPA payment solution.
In December 2023, EPI launched a pilot operation between German [[Sparkassen-Finanzgruppe|Sparkasse Elbe-Elster]] and the French [[Banque Populaire]], based on the fully developed SCT-Inst SEPA payment solution.


===2024===
===2024===
On 2 july 2024, Wero was launched it Germany, with two German banks going live with the Service.<ref>{{cite web | url=https://epicompany.eu/media-insights/epi-ceo-says-europe-ready-for-one-digital-wallet-2 | title=EPI launches Wero, its innovative digital payment wallet in Germany}}</ref> On 30 september 2024, Wero was launched in France.<ref>{{cite web | url=https://epicompany.eu/media-insights/epi-launches-wero-in-france | title=EPI launches Wero, its European digital payment wallet in France }}</ref> On 19 november 2024 Wero was launched in Belgium.<ref>{{cite web | url=https://epicompany.eu/media-insights/epi-launches-wero-its-innovative-digital-payment-wallet-in-belgium-2 | title=Customers of Belfius, BNP Paribas Fortis, ING and KBC can instantly send money to, and receive money from friends and family thanks to the new payment solution Wero in Belgium.}}</ref>
On 2 July 2024, Wero was launched in Germany, with two German banks going live with the Service.<ref name=":2" /> On 30 September 2024, Wero was launched in France.<ref name=":0">{{cite web | url=https://epicompany.eu/media-insights/epi-launches-wero-in-france | title=EPI launches Wero, its European digital payment wallet in France |website=EPI Company SE |language=en |date=30 September 2024}}</ref> On 19 November 2024 Wero was launched in Belgium.<ref name=":1">{{cite web | url=https://epicompany.eu/media-insights/epi-launches-wero-its-innovative-digital-payment-wallet-in-belgium-2 |title=EPI launches Wero, its innovative digital payment wallet in Belgium |website=EPI Company SE |language=en |date=19 November 2024}}</ref> As of November 2024 the service counts 14 million users and 8 million transactions were made. <ref>{{Cite web |title=Epi Company {{!}} Wero shows first results: Promise of fast, secure and… |url=https://epicompany.eu/media-insights/wero-shows-first-results-2 |date=12 November 2024| access-date=2024-12-27 |website=EPI Company SE |language=en}}</ref>

In December a first Wero e-commerce payment transaction was performed in a pilot setting. <reF>{{cite web|url=https://fck.de/de/wero/|title=Ein Meilenstein für den FCK und die europäische Zahlungsinnovation|date=17 December 2024|website=1. FC Kaiserslautern|language=de}}</ref>


== Product features ==
== Product features ==
===P2P Contact list payments===
===P2P Contact list payments===
A user can connected a mobile phone number to its bankaccount. Maximum of three mobile numbers per bankaccount. A person can make a banktransfer to the account, by the phone number in stead of the IBAN).
A user can associate a phone number to its bank account, with a maximum of three phone numbers per bank account. A person can make a bank transfer to the account, by the phone number instead of the [[IBAN]].


===P2P Wero QR codes generation===
===P2P Wero QR codes generation===
A user can create a QR code, by selecting the bankaccount and specifing the amount of the payment. A person can make a banktransfer by scanning the QR code, and selecting its bankaccount and approving the transaction.
A user can create a QR code, by selecting the bank account and specifying the amount of the payment. A person can make a bank transfer by scanning the QR code, and selecting its bank account and approving the transaction.


===Future planned features===
===Future planned features===
EPI announed in July 2024, that it will extent Wero's offering to online and mobile shopping payments (in 2025) and then NFC enabled point-of-sale payments (2026). A additional comprehensive range of transaction types is planned to be supported later, including one-off payments, subscriptions, installments, payments upon delivery and reservations. Additionally, value-added services will be incorporated into the solution over time, including responsible 'Buy Now, Pay Later' (BNPL) financing, digital identity features and integration of merchant loyalty programmes.<ref>{{Cite web |date=2023-04-25 |title=EPI Company announces acquisitions, additional shareholders and the coming launch of its new instant payment solution - Société Générale |url=https://www.societegenerale.com/en/news/press-release/epi-company-announces-acquisitions-additional-shareholders-and-coming-launch-its-new-instant-payment |access-date=2024-09-21 |website=www.societegenerale.com |language=en}}</ref>
EPI announced in July 2024, that it will extent Wero's offering to online and mobile shopping payments (in 2025) and then NFC enabled point-of-sale payments (2026). A additional comprehensive range of transaction types is planned to be supported later, including one-off payments, subscriptions, installments, payments upon delivery and reservations. Additionally, value-added services will be incorporated into the solution over time, including responsible 'Buy Now, Pay Later' (BNPL) financing, digital identity features and integration of merchant loyalty programmes.<ref name=":4" />


==Current supported banks==
==Current supported banks==
Line 56: Line 55:
|[[Belfius]]
|[[Belfius]]
|Belgium
|Belgium
⚫
|2024-09-26<ref name=":1" />
|2024-09-26<ref>{{Cite web |title=EPI launches Wero, its innovative digital payment wallet in Belgium |url=https://epicompany.eu/media-insights/epi-launches-wero-its-innovative-digital-payment-wallet-in-belgium-2|access-date=2024-11-19 |website=EPI Company SE |language=en}}</ref>
|-
|-
|[[ING_Group#Global_operations|ING Belgium]]
|ING Belgium ([[ING Group]])
|Belgium
|Belgium
|2024-11-19<ref name=":1" />
|2024-11-19<ref>{{Cite web |title=Exit Payconiq, bonjour Wero : quelles conséquences pour vos paiements et transferts d'argent ? |url=https://www.rtbf.be/article/vous-utilisez-payconiq-vous-passerez-progressivement-a-wero-une-solution-de-paiement-plus-europeenne-11465324 |access-date=2024-11-28 |website=RTBF |language=fr}}</ref>
|-
|-
|[[BNP Paribas]]
|[[BNP Paribas]]
|France
|France
|2024-10-24<ref name=":0" />
|2024-10-24<ref name=":0">{{Cite web |title=EPI lance Wero, son portefeuille de paiement numérique européen en France |url=https://newsroom.groupebpce.fr/actualites/epi-lance-wero-son-portefeuille-de-paiement-numerique-europeen-en-france-0adf2-7b707.html}}</ref>
⚫
|-
|[[BNP Paribas Fortis]] ([[Fintro]], [[Hello_bank!|Hello Bank! Belgium]])
|Belgium
|2024-11-06<ref name=":1" />
|-
|-
|[[Groupe BPCE]]
|[[Groupe BPCE]]
Line 80: Line 83:
|[[KBC Group|KBC (CBC, KBC Brussels)]]
|[[KBC Group|KBC (CBC, KBC Brussels)]]
|Belgium
|Belgium
|2024-07-26<ref name=":1" />
|2024-07-02<ref>{{Cite web |last=Flandern |first=VRT Nachrichten-Aktuelles aus |date=2024-07-29 |title=Neues europäisches digitales Zahlungssystem auch bald in Belgien aktiviert |url=https://www.vrt.be/vrtnws/de/2024/07/29/neues-europaeisches-digitales-zahlungssystem-auch-bald-in-belgie/ |access-date=2024-11-01 |website=vrtnws.be |language=de}}</ref>
|-
|-
|[[La Banque Postale]]
|[[La Banque Postale]]
Line 88: Line 91:
|[[Deutsche Postbank|Postbank]]
|[[Deutsche Postbank|Postbank]]
|Germany
|Germany
|2024-10-31<ref name=platow>{{Cite web |last=Reinhardt |first=Justus |date=2024-10-01 |title=EPI – Postbank startet Wero Ende Oktober |url=https://brief.platow.de/geldpolitik/epi-postbank-startet-wero-ende-oktober/ |access-date=2024-11-01 |website=DER PLATOW Brief |language=de-DE}}</ref>
|2024-10-31<ref name=platow>{{Cite web |first=Frank |last=Mahlmeister |title=EPI – Postbank startet Wero Ende Oktober |url=https://brief.platow.de/geldpolitik/epi-postbank-startet-wero-ende-oktober/ |date=1 October 2024 |website=DER PLATOW Brief |language=de-DE}}</ref>
⚫
|-
|[[Deutsche Bank]]
|Germany
⚫
|Mid 2025<ref name=platow/>
|-
|-
|[[Hello bank!]]
|[[Hello bank!]]
|France
|France
|2024-10-02
|2024-10-02<ref name=":0" />
|-
|-
|[[PSD Bank]]
|[[PSD Bank]]
|Germany
|Germany
|2024-09-30<ref>{{Cite web |title=Wero |url=https://www.psd-rheinneckarsaar.de/banking-service/banking-app/wero.html |access-date=2024-11-01 |website=www.psd-rheinneckarsaar.de |language=de}}</ref>
|2024-09-30<ref>{{Cite web |title=Wero |url=https://www.psd-rheinneckarsaar.de/banking-service/banking-app/wero.html |access-date=2024-11-01 |website=PSD Bank RheinNeckarSaar eG |language=de}}</ref>
|-
|-
|[[Société Générale]]
|[[Société Générale]]
Line 106: Line 105:
|2024-10-24<ref name=":0" />
|2024-10-24<ref name=":0" />
|-
|-
|[[Sparda-Bank]]
|[[Sparkassen-Finanzgruppe]]
|Germany
|Germany
|2024-07-02<ref name=":2" />
|
|-
| [[Sparkassen-Finanzgruppe]] || Germany || 2024-07-02
|-
|-
|[[German Cooperative Financial Group|Volksbanken Raiffeisenbanken]]
|[[German Cooperative Financial Group|Volksbanken Raiffeisenbanken]] ([[DZ Bank]], [[Sparda-Bank]])
|Germany
|Germany
|2024-07-02
|2024-07-02<ref name=":2" />
|}
|}


Latest revision as of 20:54, 29 December 2024

wero
Type of site
Mobile payment
Area servedWest Europe
URLwero-wallet.eu
Launched2024
Native client(s) oniOS, Android

Wero is a European mobile payment system intended to replace Giropay in Germany, Paylib in France,[1] Payconiq in Belgium[2] and Luxembourg and iDEAL in The Netherlands. The service was launched on 2 July 2024 by the European Payments Initiative.[3] The service intends to compete with PayPal and similar services, beginning as a real-time payment system and later with extended online payment function.

The name is a portmanteau made up of the English personal pronoun we and the European's common currency's name Euro, but is also based on the Italian vero (true).[4]

History

[edit]

Background EPI project

[edit]
Further information: European Payments Initiative

The aim of EPI's project is to achieve greater independence from the market power of American payment service providers. According to the management consultancy Capco, EPI's market entry may come too late for many, but the train has "not yet completely left the station, but is already in motion." The Center for Financial Studies believes that the end of 2021 will be the "last opportunity for Europe to establish a payment system that can keep up with global competition" (especially against US competitors). During 2020 and 2021 several attempts were made to initiate the creation of a European based payment system that could rival card based payment solutions of Visa and Mastercard.

2022

[edit]

After 20 banks from Poland, Spain, German and Finland had withdrawn from the project end of 2021, the remaining 13 banks pivoted the project towards a payment solution based on a digital wallet.[5]

EPI announced it wanted to start the "digital wallet" with mobile-to-mobile payments in Belgium, Germany and France. By offering its own app, according to the provider, almost all bank customers in these countries will most likely be able to use Wero. It should become comparable to Twint (Switzerland) and MobilePay (Denmark).

2023

[edit]

On 25 April, EPI announced that its shareholders confirmed the development (and launch) of the wallet based payment solution.[6] Several European institutions, among them European Central Bank, welcomed the initiative.[7]

On 21 September 2023, EPI selected the name 'Wero' for its upcoming payment service.[8]

In December 2023, EPI launched a pilot operation between German Sparkasse Elbe-Elster and the French Banque Populaire, based on the fully developed SCT-Inst SEPA payment solution.

2024

[edit]

On 2 July 2024, Wero was launched in Germany, with two German banks going live with the Service.[3] On 30 September 2024, Wero was launched in France.[9] On 19 November 2024 Wero was launched in Belgium.[10] As of November 2024 the service counts 14 million users and 8 million transactions were made. [11]

In December a first Wero e-commerce payment transaction was performed in a pilot setting. [12]

Product features

[edit]

P2P Contact list payments

[edit]

A user can associate a phone number to its bank account, with a maximum of three phone numbers per bank account. A person can make a bank transfer to the account, by the phone number instead of the IBAN.

P2P Wero QR codes generation

[edit]

A user can create a QR code, by selecting the bank account and specifying the amount of the payment. A person can make a bank transfer by scanning the QR code, and selecting its bank account and approving the transaction.

Future planned features

[edit]

EPI announced in July 2024, that it will extent Wero's offering to online and mobile shopping payments (in 2025) and then NFC enabled point-of-sale payments (2026). A additional comprehensive range of transaction types is planned to be supported later, including one-off payments, subscriptions, installments, payments upon delivery and reservations. Additionally, value-added services will be incorporated into the solution over time, including responsible 'Buy Now, Pay Later' (BNPL) financing, digital identity features and integration of merchant loyalty programmes.[6]

Current supported banks

[edit]
Caption
Bank name Country Begin of support
Belfius Belgium 2024-09-26[10]
ING Belgium Belgium 2024-11-19[10]
BNP Paribas France 2024-10-24[9]
BNP Paribas Fortis (Fintro, Hello Bank! Belgium) Belgium 2024-11-06[10]
Groupe BPCE France 2024-10-02[9]
Crédit Agricole France 2024-09-26[9]
Crédit Mutuel France 2024-11-06[9]
KBC (CBC, KBC Brussels) Belgium 2024-07-26[10]
La Banque Postale France 2024-10-28[9]
Postbank Germany 2024-10-31[13]
Hello bank! France 2024-10-02[9]
PSD Bank Germany 2024-09-30[14]
Société Générale France 2024-10-24[9]
Sparkassen-Finanzgruppe Germany 2024-07-02[3]
Volksbanken Raiffeisenbanken (DZ Bank, Sparda-Bank) Germany 2024-07-02[3]

References

[edit]
  1. ^ Teng, Tina (30 September 2024). "Wero set to become Europe's first unified payment solution". euronews. Retrieved 27 November 2024.
  2. ^ "Wero : nouveau système de paiement lancé en Belgique". TestAchats (in French). 12 September 2024. Retrieved 15 September 2024.
  3. ^ a b c d "EPI launches Wero, its innovative digital payment wallet in Germany". EPI Company SE. 2 July 2024.
  4. ^ Atzler, Elisabeth (7 September 2023). "Neuer europäischer Zahlungsdienst soll 'Wero' heißen". Handelsblatt. Retrieved 5 November 2024.
  5. ^ Benton, Philip (25 March 2022). "European Payments Initiative project pivots after 20 banks depart". Omdia. Retrieved 6 December 2024.
  6. ^ a b "EPI Company announces acquisitions, additional shareholders and the coming launch of its new instant payment solution". EPI Company SE. 25 April 2023.
  7. ^ "ECB welcomes the EPI's progress on building a European payment solution". European Central Bank. 25 April 2023.
  8. ^ "EPI selects "Wero" as commercial name for its innovative digital wallet". EPI Company SE. 21 September 2023.
  9. ^ a b c d e f g h "EPI launches Wero, its European digital payment wallet in France". EPI Company SE. 30 September 2024.
  10. ^ a b c d e "EPI launches Wero, its innovative digital payment wallet in Belgium". EPI Company SE. 19 November 2024.
  11. ^ "Epi Company | Wero shows first results: Promise of fast, secure and…". EPI Company SE. 12 November 2024. Retrieved 27 December 2024.
  12. ^ "Ein Meilenstein für den FCK und die europäische Zahlungsinnovation". 1. FC Kaiserslautern (in German). 17 December 2024.
  13. ^ Mahlmeister, Frank (1 October 2024). "EPI – Postbank startet Wero Ende Oktober". DER PLATOW Brief (in German).
  14. ^ "Wero". PSD Bank RheinNeckarSaar eG (in German). Retrieved 1 November 2024.
[edit]
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