If you make your first Wero payment, you enter into an agreement with ING and you agree with the use of Wero as a payment instrument. You also agree to the terms and conditions for Wero payments set out in these Mobile Banking Terms and Conditions.
"},"title":"First time paying with Wero?"},{"componentType":"paragraph","richBody":{"value":"If a Wero payment you have approved cannot be debited immediately, we may try to process the payment again later. You do not need to approve the Wero payment again. More information can be read on ing.nl/en/payments/wero.
"},"title":"Wero payment not debited immediately"},{"componentType":"paragraph","richBody":{"value":"Wero may be expanded with new services in the future. We'll keep you informed about new Wero features and services at ing.nl/en/payments/wero.
"},"title":"New features and services in Wero"},{"componentType":"sectionTitle","title":"Sharing your data"},{"componentType":"paragraph","richBody":{"value":"Wero does not have its own customer service. If you have questions about sharing your data with EPI Company SE, please contact ING.
"}},{"componentType":"sectionTitle","title":"Refunds and disputes for Wero payments"},{"componentType":"paragraph","richBody":{"value":"From 1 January 2027, you can use the ING App to request a refund or dispute the following types of Wero payments:
You can only use these options if your payment is eligible. Whether your payment qualifies depends on the type of Wero payment, the reason for your request and when you submit your request. The rules of the Wero payment scheme apply. Learn more here.
"}},{"componentType":"sectionTitle","title":"Requesting a refund"},{"componentType":"paragraph","richBody":{"value":"In the ING App, you can ask the merchant for a refund. This allows you to try to resolve the issue with the merchant first. The merchant will review your request and decide whether to provide a full or partial refund.
"}},{"componentType":"sectionTitle","title":"Disputing a payment"},{"componentType":"paragraph","richBody":{"value":"If you cannot resolve the issue with the merchant, you may be able to dispute the payment through the ING App if the applicable Wero rules allow this.
You then ask ING to dispute the payment on your behalf with the merchant’s bank. The dispute will be handled in accordance with the applicable Wero rules.
ING may ask you to provide additional information or supporting documents, such as evidence of your contact with the merchant or other information that supports your dispute.
Submitting a refund request or a dispute does not automatically mean that you will receive a refund.
ING will assess the dispute based on:
This outcome may be a full refund, a partial refund or no refund.
If you have already received a full or partial refund for the payment, you cannot use this process to dispute the payment further.
"}},{"componentType":"sectionTitle","title":"One-time Wero payments"},{"componentType":"paragraph","richBody":{"value":"If you have made a one-time Wero payment, for example for an immediate online purchase, you cannot yet use this process to request a refund or initiate a dispute.
If this option becomes available in the future for one-time Wero payments that are processed immediately, we will inform you through the ING App or via ing.nl/en/payments/wero. You'll also find more information there about advanced payment options.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"Wero offers the same trust, convenience and simplicity as iDEAL through paying via your own bank. But Wero also adds the opportunity to buy online and (in the future) in-store in other countries as easily as at you can at home. Over time Wero also plans to offer new purchase protection features, plus subscriptions, event-dependent payments and other new ways to pay.
"},"title":"What are the differences between iDEAL and Wero?"},{"richBody":{"value":"The transition starts in 2026 and is expected to be completed by the end of 2027. You can continue using iDEAL and Wero as usual throughout the transition.
"},"title":"When will iDEAL be replaced by Wero?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"c5d26f25-7b53-4817-9d02-e417380b7180","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"iDEAL","url":"/en/personal/payments/ideal-wero"}},"componentType":"productHeader","coreHeader":{"body":"As of 26 October 2026 the new Mobile Banking Terms and Conditions came into effect. They have been updated to support the use of Wero. Below, you can find the key changes compared with the previous version of the terms and conditions. Would you like to see all the details and are you about to make your first payment with Wero? Then please read the updated Mobile Banking Terms and Conditions.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/a2b0fe94-d7f5-43e4-b02e-ec57ef1bd351/Katsjing-Q4-2026-Brandbar_tile_blob_reisverzekering_1680X912.jpg","publishedAt":"2026-09-28T08:37:33Z","transformBaseUrl":"https://assets.ing.com/transform/a2b0fe94-d7f5-43e4-b02e-ec57ef1bd351/Katsjing-Q4-2026-Brandbar_tile_blob_reisverzekering_1680X912","type":"image","updatedAt":"2026-09-30T13:24:19Z","width":7000},"title":"Changed Mobile Banking Terms & Conditions for Wero"},"cta":{"componentType":"cta","textLink":{"text":"Mobile Banking Terms & Conditions","url":"https://assets.ing.com/asset/ad692262-4b5b-44ee-ac70-3162ddbe5638/Terms-and-Conditions-Mobile-Banking-App-Mobile-Formatted.pdf"}}},"publishDate":"2026-10-21T14:15:29.207+02:00"}}