How Do I Make and Use iDEAL (and Wero)?

The beauty of iDEAL is that you don’t need to “create” an account with a third party like PayPal. It is built directly into your Dutch banking app. If you have a Dutch bank account, you already have iDEAL.

How to Use iDEAL at Checkout

When you are ready to pay for something online (from a pizza to your health insurance):

1. Select iDEAL | Wero: Look for the logo at the payment stage.

1. Choose Your Bank: A list of Dutch banks (ING, ABN AMRO, Rabobank, Bunq, etc.) will appear. Select yours.

1. The Redirect: * On a Phone: Your banking app will open automatically.
   • On a Desktop: A QR code will appear. Scan it with your bank’s app on your phone.
2. Authorize: Confirm the amount and recipient in your app using your FaceID, fingerprint, or PIN.
3. Done: You are redirected back to the shop, and the payment is instant.

What is the “iDEAL Profile”?

New for 2026, you can now create a centralized iDEAL Profile through your bank’s app. This is a game-changer for expats because:

• No More Forms: It securely stores your name, email, and delivery address.

• One-Click Checkout: When you pay at a participating shop, iDEAL shares your address details automatically so you don’t have to type them every time.

• How to set it up: Go to the “Payments” or “Service” tab in your banking app (like ABN AMRO or ING) and look for “iDEAL Profile.”

iDEAL vs. Wero: What’s Changing in 2026?

You might notice the name Wero appearing more often. Here is what that means for you:

• Cross-Border Payments: Historically, iDEAL only worked in the Netherlands. In 2026, you can start using your familiar “iDEAL style” checkout at webshops across Germany, Belgium, and France.

• Purchase Protection: A long-awaited feature! In the second half of 2026, Wero will begin offering purchase protection on certain transactions, similar to a credit card.

• Tikkie for Europe: You will eventually be able to send payment requests (like Tikkies) to friends with European bank accounts outside the Netherlands.

Important Things to Know

• Instant & Final: iDEAL is a direct bank transfer. Unlike a credit card, there is no “chargeback” button. If you buy something and want a refund, you must deal directly with the merchant.

• QR Code Safety: Only scan iDEAL QR codes within your official banking app. Never use a standard “Camera” app to scan a payment code, as this is a common phishing tactic.
• Zero Fees: For consumers, using iDEAL/Wero is always free.

‍