Wero doesn't change that as it's just another interface for SEPA instant payments. In its current version, it just adds phone numbers as an alias. Via the phone number you can also find out their full name and, after a transaction, their account number, as long as they've enabled Wero for their account.

> you need to communicate your bank account number

in Latvia we need to do this for domestic payments anyway. We use IBAN even for domestic payments..

> and likely your legal name.

not mandatory. If provided, the bank tells you whether the recipient name matches the account, but if not, you can proceed with the payment anyway.

which... isn't really a problem for legal transfers, is it