{"id":3093,"date":"2025-10-14T20:09:39","date_gmt":"2025-10-14T18:09:39","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&p=3093"},"modified":"2026-02-26T12:09:15","modified_gmt":"2026-02-26T11:09:15","slug":"iban-name-check","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/iban-name-check\/","title":{"rendered":"IBAN-Name Check"},"content":{"rendered":"\n

Since October 2025, European banks in all 41 SEPA countries<\/u><\/strong><\/a> have been required to check whether the name and IBAN of the recipient match for every digital European transfer. This check takes place while the payer enters the transfer digitally using mobile banking or internet banking. In the Netherlands, this check is called the IBAN Name Check. The international term is \u2018Verification of Payee<\/em>\u2019 or VoP.<\/p>\n\n\n\n

The IBAN Name Check reduces errors made by payers when entering the name and IBAN<\/u><\/strong><\/a> of a recipient. The check also offers protection against invoice fraud, among other things, whereby a fraudster sends false invoices on behalf of a trusted company using their own IBAN.<\/p>\n\n\n\n

How the IBAN Name Check works<\/h2>\n\n\n\n

When making a bank transfer<\/u><\/strong><\/a> via internet banking or the bank’s mobile app, the payer enters the name and IBAN of the recipient. Before the payer confirms the transfer, the payer’s bank checks whether the name and IBAN match. The bank also checks this for cross-border transfers with an IBAN from a recipient in another SEPA country.<\/p>\n\n\n\n

If the name and IBAN of the recipient do not match, the payer will see a warning. The payer can then cancel, correct, or confirm the transfer. If the payer explicitly chooses to do so, they can confirm the transfer without changes after receiving a warning about the name and IBAN; the bank may not block the transfer at that point.<\/p>\n\n\n\n

The payer may receive these three warnings:<\/p>\n\n\n\n