Wero's Data Processing Officer confirmed via email that they DO access the bank account:
We can confirm that the term “payment account” in our Privacy Policy refers to the bank account that you connect to Wero. This is the official legal term used in the applicable EU regulations.
When using the Wero standalone app, Wero may access both:
- the balance of the enrolled account; and
-the transaction history of that account for the past 90 days.
And they stated:
The lack of clarity in the FAQ materials likely stems from the fact that Wero is offered under two different models, depending on the bank:
Standalone app, operated by EPI Company SE (Wero is its trade name), acting as an authorised AISP and Payment Initiation Service Provider. In this case, Wero accesses the account balance and transaction history to display them in the app.
Integration into the bank’s mobile app, where Wero is provided only as a technical module. In this case, Wero does not access the account information described above, as this remains fully within the control of the bank.