Cards and transfers are different things though. What I have seen from Wero (released to the public) are Peer to Peer transfers, so if you don't need to transfer money to a person, Wero will not help you for now.

Some card fees are capped by the EU: https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-in..., quoting "From 9 December 2015, European regulation on interchange fees (Regulation (EU) 2015/751 of the European Parliament and of the European Council of 29 April 2015 on interchange fees for card-based transactions, “the IFR”) imposes interchange fee caps on most product types within the European Economic Area (EEA).".

It is true though that French banks have huge fees even for debit (0.20%) compared to, for example The Netherlands (0.02 eur).

So the doupoly is not as powerful everywhere, but I have no clue why the difference.