If you've been waiting for an official way to pay with your Huawei Watch in Spain , it's now possible thanks to integration with Quicko Wallet. The solution comes as a prepaid virtual card that's installed on the watch and managed from your mobile phone, allowing you to pay for purchases with a simple tap on the store's card reader.
The methodology is simple, yet secure: identity verification , PIN on the watch, and compatibility with POS terminals that accept Mastercard . Here we explain the entire process in detail: what you need, how to create an account, how to top up your balance, how to install the app on your watch, how to pair it, and how to pay in any store without taking out your wallet.
What is Quicko Wallet and how does it work on Huawei watches?
Quicko Wallet is a mobile payment app with a virtual prepaid card that acts as an intermediary between your bank and your watch. It allows you to store funds in euros, manage them from your smartphone, and use them to make contactless payments from your smartwatch via NFC.
As it's a prepaid solution, you don't need to directly link your debit or credit card to the watch . Instead, you top up your Quicko virtual card and use that balance for purchases. This structure reduces risk and gives you complete control over how much money you carry on your wrist.
At the time of payment, the watch generates the transaction via NFC and does not require an internet connection . Compatibility is broad because Quicko works with terminals that accept Mastercard, so the vast majority of POS terminals in Spain will recognize the payment without problems.
The security approach includes several layers: encryption, tokenization , and PIN protection on the watch . If you remove the smartwatch, it automatically locks, and you'll need to re-enter your PIN to pay again. Furthermore, your sensitive card details are not transmitted to the merchant during payment, minimizing the risk of fraud.
Another important point is the cost: registering, creating the virtual card, and receiving IBAN transfers are free . Instant card top-ups do incur a small processing fee, which in real-world tests has been just a few cents for every €50.
Compatibility, models and prerequisites
NFC payment integration with Quicko Wallet is starting with the Huawei Watch Fit 4 and Watch Fit 4 Pro , and is currently being rolled out to the Huawei Watch 5. It is expected to arrive on more models later, according to the brand itself.
If you have a Watch Fit 4, check that your firmware is 5.1.0.109(SP1C00M00) or higher to ensure the feature is active. The watch must be paired with an Android or HarmonyOS phone and have the latest version of the Huawei Health app installed.
For iPhone users, iOS compatibility is planned via a firmware update before the end of June 2025. Until then, pairing and setup are done on Android or devices with Huawei Mobile Services.
On your watch's menu, you'll see an app called Wallet, but currently in Spain, that Wallet focuses on loyalty cards , not payment cards. For contactless payments, Quicko Wallet is the option provided by Huawei for our market.
As part of the ecosystem, Quicko's collaboration with Huawei had already materialized in other European countries, with previous deployments in Poland and Germany . With its arrival in Spain, one of the most requested features by Huawei watch users is finally being addressed.
Create your account and virtual card in Quicko: verification and registration
The first step is to sign up for the mobile app. You can download Quicko Wallet from AppGallery , and if you have an Android phone, it's also available on Google Play. For iOS, it will arrive later via an over-the-air (OTA) update, according to the announced schedule.
When you open the app, register with your email address, phone number, and a password . You will be asked to set a PIN to access the app (the materials mention a 4-digit PIN); this PIN is not the one for the watch, but the one that protects the app on your phone.
You will receive an email to activate your account. Please note that the activation link expires after 60 minutes . If the time runs out, log in again to generate a new link. Some users have reported issues receiving the email; however, the guided sign-up process allows you to continue verification from within the app.
During registration, you will be asked for basic information: your first and last name, address, occupation , and details about the source of your funds (e.g., salary, rent, investments, or benefits). You will also be asked about your tax residency and whether you are a U.S. taxpayer; if not, select the corresponding option.
To comply with KYC/AML regulations, you will need to verify your identity. The app will request camera permission to photograph both sides of your ID and take a selfie holding the document up to your face. This process is standard in financial services and ensures system security.
Once verification is complete, Quicko reviews the information and it can take anywhere from a few hours to a maximum of two days to approve the account. After approval, your virtual euro card with a European IBAN will be ready to receive or send transfers.
Top up balance: transfer by IBAN or bank card
With your account active, it's time to add funds. There are two main methods, both supported by Quicko Wallet : bank transfer (IBAN) and card top-up.
The classic option is a bank transfer to your Quicko IBAN . This method is free of charge, although it's not instant: funds usually appear between 12 and 48 hours later, depending on the originating bank and its processing times.
If you prefer speed, use instant top-up with a Visa or Mastercard . In this case, the app allows you to enter the details manually or by scanning the card and select the euro account to complete the transaction.
Topping up by card is the quick and convenient option, although it does incur a small processing fee . In published real-world tests, a €50 top-up resulted in a deduction of approximately €0,30–0,33. This low fee makes your balance available instantly.
Remember that, due to the system's design, you don't link your bank card directly to the watch . What syncs with the Huawei Watch is your Quicko virtual card with the balance you've previously loaded.
Install Quicko Wallet on the Huawei Watch and pair it from your mobile.
Once the balance is ready, it's time to activate payments on your smartwatch. Check that the watch is paired in the Huawei Health app and that everything is up to date. From there, you can access the app store for your watch.
On your mobile device, open Huawei Health and go to Devices > AppGallery . Search for Quicko Wallet and tap Install to deploy the app directly to your compatible watch. If you're using a Huawei mobile device, you can also manage the installation from the system's AppGallery.
On your watch, enable NFC by going to Settings > More connections > NFC and selecting Quicko Wallet as your default payment app. This step is essential for double-tapping the button to open the payment gateway directly.
Set a security PIN on the watch. You'll see references to 4-digit and 6-digit PINs depending on the firmware or model; the important thing is to set a strong code, as it will be required to authorize transactions and when the watch is removed from your wrist.
To speed up access, assign the payment function to the bottom button: in Settings > Bottom button > double-tap to open Quicko Wallet . This way, you'll initiate payments with a quick and controlled gesture.
Complete the pairing process using the Quicko mobile app: on your card, tap Enable NFC , select the watch, and confirm the pairing. After a few moments, you'll see the card available on your smartwatch and ready to use at stores.
How to pay in stores with your Huawei Watch
Once everything is set up, the payment process is very quick. With the watch on your wrist, double-click the multifunction button to open Quicko Wallet and display your card on the screen.
If prompted, enter the security PIN that protects payments . This step confirms your identity and ensures that only you can authorize the transaction.
Bring the watch face close to the store's payment terminal (POS) and hold it there for a few seconds. The NFC contact is instantaneous and doesn't require the watch or phone to be connected to the internet at that moment.
The card reader will confirm the charge if everything went well, and you'll see a notification on your mobile phone confirming the payment . Since the solution works with Mastercard-compatible POS terminals, coverage in stores is virtually universal.
Tips, common problems and details to keep in mind
If you don't receive the activation email during registration, check your spam folder. If the link expires ( it's valid for 60 minutes ), log in again to generate a new one. In any case, the app allows you to continue the registration process even if there are occasional email delays.
If the payment terminal doesn't detect the watch, try bringing the top or side of the smartwatch closer to the reader , as the NFC antenna may be located in a specific area depending on the model. Hold it in this position until you feel the vibration or hear the confirmation beep.
Also check that the watch has Quicko Wallet as the default payment app in Settings , that NFC is active, and that you have correctly configured quick access with the bottom button to launch the app without delay.
Regarding costs, transferring money to your Quicko IBAN is free , but it takes a little longer. Card top-ups, on the other hand, are instant and incur a small processing fee. Choose according to your urgency and usual usage.
If you use an iPhone, remember that iOS support will arrive via a firmware update before the end of June 2025. In the meantime, activation and management are done from Android or from a Huawei device with HMS.
Please note that some media outlets and stores include affiliate links at no extra cost to you , which does not affect the technical recommendations on setting up and using Quicko Wallet.
Buttons, security and user experience
Assigning payment to the watch's bottom button makes the gesture very natural: double-tap and wrist to the POS terminal . It's quick, discreet, and reduces the time you spend handling the card reader—ideal if you're carrying bags or playing sports.
The security layer relies on the watch's PIN and wrist detection. If you remove it, the device locks and requires the PIN the next time you try to pay. This prevents accidental or unauthorized payments in case of loss.
Quicko's prepaid nature allows you to limit the amount available for payments. If you prefer, you can keep balances low and top up as needed , minimizing the impact of potential misuse.
Our sources indicate that the system is designed to be compatible with most card payment terminals in Spain, as Quicko works with POS systems that accept Mastercard . Furthermore, it's worth noting that the transaction doesn't require an internet connection at the time of payment, ensuring reliability even with unreliable coverage.
