> Your bank is the one that is providing the access to the Wero service, it will pull from or deposit into your bank account.

I mean my bank is not available in Wero. And A lot of other banks are the same. PayPal or Klarna just works.

> IBAN is public facing and it is not a problem to share. It is the identifier of your account therefore required to make transfers. Money can't be charged with your IBAN. With paypal you share your e-mail.

I know but a lot of people don't see it that way. Not me. But I know they are.

> Not needing to share my contact list

AFAIK you need to sync your contacts to them to send a person money. I am not sure though because I don't have access.

Please don't misunderstand me. I want something like Wero in Europe. I just hope that it's not the wrong thing and people will be disappointed and less likely to try something new.