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If Wero is going to be similar to iDEAL, which it is based on, the payment flow will be through your bank's app. Heck, even the Wero app description says so:

The Wero app is available only for account holders from the German bank Postbank and the French bank La Banque Postale.

Are you a customer of another Wero-enabled bank? If so, you can easily use Wero within your banking app.

https://play.google.com/store/apps/details?id=eu.epicompany....

I have seen quite some people downloading their banking apps through the Aurora store (admittedly, it's a frontend for the Play Store, but you don't need an account or the app). Or you can use something like APKMirror and verify that they have the correct signing keys.

Of course, if they need Play Services or Play Integrity basic, then you need sandboxed Google Play or microG. If your bank does remote attestation through Play Integrity, then it is game over, but it is worth contacting your bank. E.g. some banks have added the GrapheneOS signing keys and added support for AOSP remote attestation.

by nh21 hours ago|

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Im a German with a German Postbank account, living in Switzerland.

Wero app Play Store page: "This item isn't available in your country."

Hard to cheer for a thing when it prevents you to access your own money, and promises to "easily pay" immediately fall flat.

Paypal is bad but at least it doesn't fail at step 0.

by V__54 minutes ago|

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To be fair, how is Google blocking you from downloading an app, a Wero problem though?

by jsnell41 minutes ago|

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The publisher, in this case Postbank, decides what countries to allow installs from for an app. Google just enforces the policy the publisher sets.

by kfse38 minutes ago|

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Country availability is a policy set up by the app publisher, not a Google policy

by tosti12 minutes ago|

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Which is complete bullshit with the Euro having been specifically invented to be used across the EU.

I had a similar moment of stupidifiedment trying to park in Germany with a phone set to Dutch region. Euro in cash works everywhere Euros are accepted but apps on the freaking Internet? Nah, gotta restrict that to the publisher country only.

by sebtron2 hours ago|

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I can pay with iDEAL without interacting with a smartphone, using only my laptop and a physical 2FA device provided by my bank. Do you know if this will be possible with Wero?

by microtonal2 hours ago|

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I am not 100% sure, but I think PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.

by Muromec2 hours ago|

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It's up to your bank actually. Banks (generally) don't want to pay for your hardware key so you need to do a special dance to trigger their compliance bound neural pathways to send you one.

But then the true bliss will arrive the next year with eidas 3.0 or whatever it is called

by haagch26 minutes ago|

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I have German bank accounts at two different banks and can send SEPA SCT instant transactions via webinterface and physical tan generator with both of them. Wero however is restricted to mobile apps regardless of what your tan generator is and in fact from what I heard, banks generally force you to switch to mobile app tan generators when opting into Wero.

The GLS bank implies it's not up to them. Generally I feel like implementation details are intentionally not made public. For example so far there is no definitive statement on the public internet I could find about whether iDEAL web based payments will still be available after iDEAL will actually switch to Wero. Statements like "For consumers, the online payment experience will remain largely unchanged, as they will continue to pay through their own bank." are always kept vague.

by Freak_NL2 hours ago|

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In the Netherlands this boils down to the 'system banks' (the big ones like ING, ABN AMRO, Rabobank, etc.) which grudgingly offer hardware devices for people who won't or can't use a smartphone, and the neobanks (like Revolut, Knab, and Bunq) which make an Android or IOS smartphone a hard requirement.

by weberer40 minutes ago|

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With Nordea, you get a code book full of one-time codes.

by Phelinofist1 hours ago|

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But you can use Wero also from your good old desktop PC, right? Sure, paying in a restaurant with Wero for example might need this, but I think this is a really, really great first step in the right direction

by anticrymactic3 hours ago|

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While researching Wero initially, I was confused too that no APK is offered. Maybe we can change that.grbn

by 3 hours ago|

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deleted

by toomuchtodo2 hours ago|

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It’s fine to decouple from US payment and financial infra today and punt on decoupling from US big tech in the future. These changes take time and effort at scale, so it’s about being directionally accurate, not doing all the changes all at once. “You eat an elephant one bite at a time.” Europe is eating the financial infra bites right now. There are other bites to be taken over the next several years.

Similar to Airbus moving critical apps from AWS to France’s Scaleway. Flexing the muscle needed to do the rest, and starting with the most important.

https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...

by Muromec2 hours ago|

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I heard a loud and solid "fuck US" from the people forming the technical opinion on this matter.

The way selection function for the technical parties in this conversation is going makes it double the fun.