Data
Verification of Payee readiness by country
Since 9 October 2025, a payment provider in the euro area must check the payee's name against the IBAN before a credit transfer leaves, and must answer the same check when the account is one it holds. The check only works when the payee's provider can answer it. This page counts, country by country, the providers the European Payments Council lists in its Verification Of Payee (VoP) register, and how many of them answer today.
The register lists 2,806 payment providers in 32 countries. 2,723 of them answer name checks today; 51 are registered but not yet live, 31 can only send checks and cannot answer one, and 1 has left the scheme.
Read from the EPC register on . Download the table as CSV.
How many payment providers answer VoP checks in each country?
Across the euro area, 98% of listed providers answer; in Portugal, Greece, Croatia and Slovakia every listed provider does. The lowest share is in Bulgaria, where 10 of 21 answer. Outside the euro area, where the obligation starts later or not at all, the register already lists 39 providers.
| Country | Answering | Not yet live | Requesting only | Listed |
|---|---|---|---|---|
| Euro area | ||||
| Germany | 1,095 | 2 | 8 | 1,105 |
| Austria | 366 | 1 | 0 | 367 |
| Italy | 356 | 0 | 3 | 360 |
| France | 206 | 8 | 4 | 218 |
| Ireland | 173 | 0 | 2 | 175 |
| Spain | 108 | 4 | 2 | 114 |
| Lithuania | 71 | 4 | 1 | 76 |
| Luxembourg | 56 | 0 | 1 | 57 |
| Netherlands | 32 | 2 | 2 | 36 |
| Belgium | 32 | 2 | 1 | 35 |
| Malta | 32 | 1 | 1 | 34 |
| Portugal | 33 | 0 | 0 | 33 |
| Cyprus | 23 | 4 | 0 | 27 |
| Bulgaria | 10 | 11 | 0 | 21 |
| Greece | 21 | 0 | 0 | 21 |
| Croatia | 20 | 0 | 0 | 20 |
| Latvia | 17 | 1 | 0 | 18 |
| Finland | 13 | 0 | 1 | 14 |
| Slovakia | 14 | 0 | 0 | 14 |
| Slovenia | 12 | 0 | 1 | 13 |
| Estonia | 8 | 1 | 0 | 9 |
| EU, outside the euro area | ||||
| Czech Republic | 6 | 3 | 0 | 9 |
| Denmark | 6 | 1 | 0 | 7 |
| Sweden | 5 | 0 | 1 | 6 |
| Hungary | 2 | 1 | 0 | 3 |
| Poland | 2 | 1 | 0 | 3 |
| Romania | 1 | 0 | 0 | 1 |
| EEA, outside the EU | ||||
| Norway | 1 | 0 | 2 | 3 |
| Iceland | 0 | 0 | 1 | 1 |
| Liechtenstein | 0 | 1 | 0 | 1 |
| Outside the EEA | ||||
| United Kingdom | 1 | 3 | 0 | 4 |
| Jersey | 1 | 0 | 0 | 1 |
Answering means the register lists the provider as ready for operations, in the role of a responding provider, with a readiness date that has arrived and no leaving date that has passed. Not yet live covers providers still waiting for their registration in the EPC Directory Service and providers whose readiness date is still ahead. Requesting only providers check names for their own customers when they pay, but a payment to an account they hold cannot be confirmed by name. One provider's leaving date has passed; it is counted in Listed only.
What are the Verification of Payee deadlines?
The obligation comes from Article 5c of the SEPA Regulation, inserted by the Instant Payments Regulation, (EU) 2024/886. Its paragraph 9 sets one date for the euro area and one for the rest of the EU, and Article 16(9) covers a country that adopts the euro in between.
- Euro area: 9 October 2025. 2,688 of the 2,746 providers listed in these countries, Bulgaria aside, answer today.
- Bulgaria: 1 January 2027. Bulgaria joined the euro area on 1 January 2026, and Article 16(9) gives a country that adopts the euro before 9 April 2027 one year from that date. 10 of the 21 Bulgarian providers in the register answer today.
- EU countries outside the euro area: 9 July 2027. The register lists 29 providers in the Czech Republic, Denmark, Sweden, Hungary, Poland and Romania, and 22 of them answer already.
- Outside the EU. The EPC says providers in Iceland, Liechtenstein and Norway may not be able to take part until the regulation is incorporated into their law, and that providers in other SEPA countries, such as the United Kingdom, can join voluntarily once local law meets its equivalence requirements. The register lists 10 providers in the United Kingdom, Norway, Iceland, Jersey and Liechtenstein.
When did payment providers join the VoP scheme?
Most joined in the deadline month. Of the providers answering today, 2,055 have a readiness date in October 2025 and 566 joined in the months before it, the first in June 2025. Since then between 4 and 20 have joined each month.
What does the VoP register not tell you?
The register says which providers take part in the scheme. It does not say how often names match, or how a provider treats a close match. Whether the name you have matches a particular account is something only the check itself can tell you, run by your own bank when you pay.
A provider missing from the register is not necessarily outside the scheme. It may take part under another code of its own, which is why this page counts the register as it stands and does not compare it with lists of every bank. The United Kingdom runs its own name check, Confirmation of Payee, which this register does not cover.
How can I check whether a particular bank answers VoP?
Each page in our bank directory shows whether the EPC lists that bank as answering VoP requests, read from the same register. The IBAN checker shows the same flag for the bank an IBAN belongs to. What the check does and what its answers mean is explained in What Is Verification of Payee, and how it differs from validating the IBAN itself in VoP vs IBAN validation.
Can I use this data?
Yes. The CSV has one row per country with the same columns as the table, the group it belongs to and the date the register was read. Please link to this page when you cite it. The counts are ours; the register they are counted from is the EPC's.
Sources & References
- European Payments Council: Registers of participants, including the VoP scheme
- Regulation (EU) 2024/886: Instant credit transfers and verification of the payee
- European Payments Council: Adherence of PSPs outside the EU to the VOP scheme
- European Central Bank: Bulgaria to join euro area on 1 January 2026
- European Payments Council: Update on payment schemes and VOP deployment, May 2026 (2,768 VoP providers in April 2026, the EPC's own total)
Last updated: 23 October 2026. Counted under the same rules our bank pages use for the VoP flag. How we source bank data is on the methodology page.