How to create a Quicko Wallet account and set it up securely

If you have a Huawei watch with NFC and were hoping to be able to checkout without taking out your phone, you're in luck: you can now pay with your watch thanks to Quicko Wallet. In this guide, we'll explain in detail: How to create a Quicko Wallet account, activate the virtual card, and link it to your smartwatch. to start using the dataphone with your wrist.

The system works simply: you create a virtual prepaid card with a European IBAN, top up your balance via bank transfer or card, and use it from your Huawei Watch at any compatible POS terminal. Plus, Integration with Huawei Health allows you to assign Quicko Wallet as your default payment app., set up a PIN on your watch, and open payment with a double tap of the bottom button.

What is Quicko Wallet and how does it fit with your Huawei Watch?

Quicko Wallet is a European fintech that offers a virtual prepaid card with support for contactless payments. Within the Huawei ecosystem, acts as the gateway that makes NFC payments on watches a reality, something that many users have been demanding for years.

The proposal stands out for its practical and safe approach: You don't need to carry physical cards with you, card details are not transmitted during payment And everything is protected with a PIN. Quicko has collaborated with Huawei in countries like Poland and Germany, and now the integration is arriving in Spain.

The card is rechargeable and works as a wallet: You can deposit money from a European IBAN without commission or add funds instantly with Visa or Mastercard. with a small fee. The goal is to let you keep track of how much you have on your watch at all times, with an experience similar to services like Revolut or N26, but integrated into your smartwatch.

On the retail side, Huawei is targeting very broad POS compatibility in Spain, as long as they accept Mastercard network cardsAnd the best part: transactions can be made even without an internet connection on the watch.

Watch and mobile compatibility and prerequisites

Before you jump in, it's a good idea to confirm that you meet the requirements. As of today, Compatible models start with Huawei Watch Fit 4 and Watch Fit 4 ProHuawei has also confirmed that the Watch 5 is coming soon, and that the list of compatible watches will grow with future updates.

For the Watch Fit 4, firmware version 5.1.0.109 (SP1C00M00) or higher is required. If your watch doesn't show the payment option, check and update the software from Huawei Health. to unlock the NFC function.

Regarding the phone, for now Pairing with the watch works with Android and HarmonyOS phonesiPhone users will be able to use Quicko Wallet as an app, but watch integration will arrive via an update before the end of June 2025, the brand announced.

You will need the Huawei Health app installed and up to date, with the watch successfully paired via BluetoothPlease have your ID ready for the identity verification process within Quicko Wallet; without it, payments will not be enabled.

 

Create your Quicko Wallet account

Signing up from your mobile phone takes just a few minutes. Start by searching for the app in your store: Google Play, Huawei AppGallery or App StoreThe app is available on iPhone, although pairing with the watch will be enabled later.

Open Quicko Wallet and tap Sign Up. The wizard will ask for your email address, phone number, and password. Set an access PIN for the app (usually 4 digits), which you will use to enter and confirm operations within the mobile.

After completing the first step, you will receive an email with the activation link. The link has a limited validity; if it expires, log in again to get a new one.Some users have noticed delays in receiving emails; if they don't appear in your inbox or spam, please try again after a while.

Once the email is validated, the wizard will ask you for additional information: Personal data, address, occupation, source of funds and tax residenceNothing out of the ordinary for an EU-regulated payment institution.

Identity verification (KYC) step by step

To activate your account and payment features, you'll need to go through KYC. The process is guided and quick: Take a photo of both sides of your ID and take a selfie holding the document., with good lighting and legible text.

Grant camera permission when prompted by the app. Avoid reflections, clippings or damaged documents, as they can delay approval. The system typically reviews the documentation within a few hours; in some cases, it can take up to two days.

Once verification is complete, your euro account and virtual card will be operational. In some profiles you will see more than one account and virtual card available in the app., both rechargeable and ready to link to the watch.

Add balance: IBAN transfer or card top-up

After creating and validating a Quicko Wallet account, you can now upload funds. There are two options: Bank transfer via IBAN and instant card top-upThe first is cheaper; the second is faster.

Bank transfer: Go to your profile and find the assigned European IBAN. Make a transfer from your usual bank as if it were to any other accountIt usually takes between 12 and 48 business hours and there is no fee charged by Quicko.

Top-up with a card: From the card or euro account section, add your Visa or Mastercard and select Top-up. The entry of funds is almost immediate, but a small processing fee applies.

According to shared evidence, When recharging 50 euros, the commission has been around 0,30 to 0,33 euros.The app displays or informs you of the fee when confirming the transaction; review it before accepting if you want to optimize costs.

Install Quicko Wallet on your Huawei watch

The next step is to transfer the app to your smartwatch. Open Huawei Health on your phone, go to Devices, and tap AppGallery. Search for Quicko Wallet and tap install to download it directly to your watch.If you're using a Huawei phone, you can also go through the phone's App Gallery; on Android, the most direct route is Huawei Health.

When the installation is complete, you'll see the Quicko icon on your clock. Make sure the wearable is properly paired via Bluetooth and with enough battery to complete the following steps without interruptions.

Set up NFC and shortcuts on your watch

From your watch, go to Settings, then the Connections section, and locate NFC. There you can choose your default payment app: select Quicko Wallet so that it is activated when you bring your wrist close to the POS.

The watch will ask you to create a security PIN if you don't have one. Most current models have a 6-digit PIN; on others, the system may request a 4-digit PIN.This PIN protects your watch wallet and is deactivated when you remove it.

To get to checkout faster, set up a shortcut: In Watch Settings, Bottom Button, assign a double tap to open Quicko Wallet. This way you can display the virtual card in an instant without navigating through menus..

If you see the Huawei Wallet app as the default option, remember that in Spain it's primarily used for loyalty cards. To pay, the one you must select is Quicko Wallet.

Pair your card with your watch and pay in stores

Open Quicko Wallet on your watch by double-tapping the bottom button. On your phone, go to Quicko Wallet, locate your virtual card, and choose to enable NFC payments. The option to pair the watch will appear in the app; confirm and wait for it to sync..

Once linked, your cards will appear on your watch. When you go to pay, open the app on your smartwatch, hold the screen close to the POS terminal, and wait for confirmation. The terminal or the watch itself may ask you for the security PIN. to authorize the operation.

The transaction is processed in seconds and does not require the watch to be connected to the Internet. The system uses dynamic authentication codes and advanced encryption, so your real number is not shared with the merchant.

Huawei estimates almost complete compatibility with Spanish POS terminals that accept Mastercard. If a terminal fails, try holding the watch near the top of the dataphone and keep your wrist still. during the whistle.

Security and privacy: how your payments are protected

Quicko Wallet and Huawei have focused on end-to-end security. Each payment is validated with tokens and encryption, and the watch automatically locks the wallet if it detects that you take it offTo reactivate it, you'll need to enter the PIN on the wearable itself.

Another key point is that Your sensitive card data does not travel to the merchant during payment, which makes cloning attacks difficult. For the user, using a prepaid wallet also adds an extra layer of control: you only carry the balance you need.

From the mobile app, you can view transaction details, set alerts, and manage your cards. Quicko Wallet is available in Spanish and offers a simple interface so that reviewing movements is comfortable.

As in any contactless system, Be careful when choosing your PIN, avoid obvious codes and don't share them.And if you lose your watch, disable payments from the app or unpair the device in Huawei Health.

Current limitations and roadmap

Currently, watch integration is operational on Android and HarmonyOS. iOS support is planned via update before the end of June 2025., according to Huawei communications.

Another important limit is that, for the moment, You cannot directly associate your traditional bank cards with the watch.You must use the Quicko Wallet prepaid card and top it up by transfer or with your bank card from the app.

The company is working on expanding capabilities and, over time, They are considering incorporating direct support for Visa and Mastercard cards from banks.There's no confirmed date, but it's part of the expected direction of the service.

In terms of hardware, the first models with support are Watch Fit 4 and Fit 4 Pro, with Huawei Watch 5 coming soonThe brand has announced that the list will grow with future firmware updates.

As you can see, creating a Quicko Wallet account is very simple. And above all, it's practical: it's finally possible to pay with your wrist with easy setup, good POS compatibility, and robust security measures. If you have a Watch Fit 4, Fit 4 Pro, or are getting a new Watch 5, Creating your Quicko account, loading balance and pairing the card will take very little time., and in return you will gain convenience for your daily life without giving up control of your money.