EUDI Wallet KYC: frequently asked questions
Short answers for compliance, onboarding and product teams.
When must banks accept the EUDI Wallet?
Regulated private relying parties, including banks and financial services required to use strong user authentication, must accept the EU Digital Identity Wallet from 24 December 2027.
When will EUDI Wallets be available?
Each Member State must provide at least one wallet by 24 December 2026. Some countries have launched earlier; national roll-out speeds vary.
Is using the wallet mandatory for customers?
No. Use is voluntary and free for individuals. You must accept it when a customer chooses it, and you can keep other identification methods.
Can the wallet be used for AML customer due diligence?
Yes. The EU Anti-Money Laundering Regulation, applicable from 10 July 2027, recognises eIDAS electronic identification means for customer due diligence.
What data can we request?
Person identification data (such as name, date of birth, nationality) and electronic attestations of attributes (such as address). You should request only what you need, as declared when registering as a relying party.
Which technical standards does the wallet use?
The Architecture and Reference Framework relies on standards such as OpenID for Verifiable Presentations (OpenID4VP), ISO/IEC 18013-5 mdoc and SD-JWT VC credential formats.
Do we need to build the integration ourselves?
Not necessarily. Most firms are expected to accept the wallet through their identity verification or KYC provider. See the build-or-buy checklist.
Is this website affiliated with the European Commission?
No. EUDIKYC.com is an independent information resource. It is not affiliated with the European Commission, any Member State or any wallet provider.
Planning your EUDI integration?
Get tailored offers from EUDI-ready identity verification providers.