Verified identity (PID)
Person identification data issued by the State, usable at the highest level of assurance for remote identification.
Independent guide · eIDAS 2 · Updated September 2026
EUDI Wallet KYC: the 2027 deadline for regulated firms
From 24 December 2027, banks, payment firms and other regulated private services must accept the EU Digital Identity Wallet when a customer chooses to use it. Here's what changes for onboarding, and how to be ready.
What is the EUDI Wallet?
A secure app, provided under each Member State's responsibility, that lets citizens and residents store and share verified identity data, free of charge and on a voluntary basis.
Attestations of attributes
Verified credentials such as address, age, diplomas or IBAN, shared selectively: only what the service needs.
Strong authentication
Log-in and signing with a qualified electronic signature, under user control and with a transaction log.
Who must accept it?
Private relying parties that are required by EU or national law to use strong user authentication for online identification, in sectors including:
Banking & financial services
Banks, payment and e-money institutions, investment firms, crypto-asset service providers where strong authentication applies.
Telecoms & digital infrastructure
Operators that must identify customers online.
Health, energy, transport
Plus social security, education, postal services and drinking water.
Very large online platforms
Platforms designated under the Digital Services Act, when they require user authentication.
What it changes for KYC
The wallet is not only a compliance obligation. For onboarding teams, it can reduce cost, fraud and drop-off.
Faster onboarding
Verified data arrives pre-checked from the State, instead of document photos and selfies.
Less identity fraud
Cryptographically signed data is harder to forge than scanned documents.
Data minimisation
Request only the attributes you need, in line with GDPR, with user consent built in.
AML alignment
The EU Anti-Money Laundering Regulation, applicable from 10 July 2027, recognises eIDAS identification means for customer due diligence.
Cross-border reach
One integration can accept wallets from every Member State.
New integration work
Relying-party registration, wallet protocols, certificates and changes to onboarding flows must be planned.
Key dates
Deadlines derive from eIDAS 2 (Regulation (EU) 2024/1183) and its implementing acts. National roll-out speed varies.
Start with your KYC provider
Most firms will accept the wallet through their identity verification vendor. Ask now whether and when your provider will be EUDI-ready.
eIDAS 2 (Regulation (EU) 2024/1183) enters into force.
First implementing acts adopted (wallet functionality, PID, protocols, certification).
Each Member State must provide at least one EUDI Wallet.
EU Anti-Money Laundering Regulation (AMLR) becomes applicable.
Regulated private relying parties and very large online platforms must accept the wallet.
Choosing an EUDI-ready KYC solution?
Tell us about your onboarding volumes and markets. We'll put you in touch with identity verification providers that support the EUDI Wallet. Free, no obligation.