Verificarea numelui înainte de a trimite bani
Când faci un overboeking, banca verifică dacă numele introdus corespunde contului din spatele IBAN-ului. Aceasta este Verification of Payee — și există ca să te protejeze.
Ce este sprawdzenie nazwy?
If you've recently sent a SEPA bank overboeking, you may have seen a message confirming whether the recipient's name matches their account — or warning you that it doesn't. That's Verification of Payee, a check EU banks now run before you confirm a payment.
It exists because a valid IBAN tells you nothing about who owns the account. Scammers rely on that gap: they give you a real account number that belongs to them, not the person or company you think you're paying. The name check closes it.
What happens when you pay
- 1
You enter the name and IBAN
As usual, you type the begunstigdeului name and account number into your banking app.
- 2
Your bank checks the name
Behind the scenes, your bank asks the recipient's bank whether the name matches the account — in about a second.
- 3
Widzisz rezultat
You'll see a Overeenkomst, a Bijna overeenkomst (small spelling difference), Geen overeenkomst, or that the check wasn't possible.
- 4
Ty decydujesz
If it matches, send with confidence. If it doesn't, pause and double-check before any money leaves your account.
Why it matters to you
Protects you from scams
It's the single most effective defence against fraudă de tip overboeking autorizat — paying the wrong person by mistake or deception.
Este gratuită
You don't pay anything for the name check. EU banks must provide it as part of the service.
Nic până la skonfigurowania
It happens automatically. You don't need to enable anything or download an app.
Your data stays protected
The check only confirms whether the name matches. It doesn't expose the recipient's full account details to you.
A 'Geen overeenkomst' is a warning — take it seriously
If your bank says the name doesn't Overeenkomst, stop. Contact the person or company through a number you trust and confirm their details before sending. Most scam payments are never recovered.
FAQ
It's Verification of Payee — your bank confirms that the name you entered matches the titularul contului behind the IBAN before you send a SEPA overboeking. It protects you from paying the wrong account by mistake or fraud.
No. The name check is free for you. Under EU rules, your bank must offer it as part of providing euro overboekings — there's no charge to the person sending the payment.
Pause before sending. A Geen overeenkomst or Bijna overeenkomst means the titularul contului isn't who you expect. Verify the details directly with the begunstigde using a trusted contact, especially for large or unexpected payments.
Yes. The check only returns whether the name matches — it doesn't reveal the recipient's private account information to you, and your bank handles it securely as part of the payment.
Want to understand the check better?
Learn exactly how Verification of Payee works and what each result means.