Verification of Payee in Poland
How Polish banks, PSPs and businesses prepare for Verification of Payee — the IBAN name check known locally as weryfikacja odbiorcy płatności — as a non-euro EU market joining the obligation in 2027.
What Verification of Payee means for the Polish market
Poland is one of the largest economies in Central Europe and a payments innovator, with BLIK and Express Elixir instant transfers used at scale. That volume makes a clear name check valuable across millions of transfers.
Because Poland uses the złoty rather than the euro, its payment service providers are in the second wave of the Instant Payments Regulation: the Verification of Payee obligation applies from 9 July 2027.
Verification of Payee confirms that the name a payer enters matches the IBAN before a transfer is sent, returning a clear result in real time — a strong defence against misdirected payments and authorised push payment fraud.
Verification of Payee in Poland at a glance
The essentials for the Polish market.
Key date: 9 Jul 2027
As a non-euro EU country, Polish PSPs must offer VoP by 9 July 2027.
Outside the euro area
Poland uses the złoty (PLN) and joins the obligation in the second wave.
Large, fast-growing
High transfer volumes and instant payments make a clear name check valuable.
Key Verification of Payee dates
How the obligation reaches non-euro EU PSPs like those in Poland.
- 9 Oct 2025
Euro-area VoP live
Euro-area PSPs already offer Verification of Payee — the baseline Poland will join.
- 2026
Preparation window
Polish PSPs build scheme adherence and connectivity ahead of the deadline.
- 9 Jul 2027
Non-euro VoP obligation
PSPs in non-euro EU states like Poland must offer Verification of Payee.
Value across the Polish payment chain
The same check, value for every party.
Banks & PSPs
Meet the 2027 obligation and join the SEPA VoP scheme through one integration.
Businesses
Verify supplier and payroll IBANs before paying, cutting invoice-redirection fraud.
Payers
A clear confirmation before money leaves — reassurance on every transfer.
Verification of Payee in Poland
Common questions for the Polish market.
Yes, but from a later date. As a non-euro EU country, Polish PSPs must offer Verification of Payee from 9 July 2027 rather than the October 2025 date for euro-area PSPs.
It is often described as weryfikacja odbiorcy płatności — verification of the payment recipient — and works the same way as elsewhere in SEPA.
The Instant Payments Regulation gives non-euro-area member states more time, so countries using their own currency like Poland join the VoP obligation on 9 July 2027.
By connecting to the SEPA VoP scheme through a provider like RoxPay, a Polish PSP can go live with a single integration well ahead of the 2027 deadline.
Prepare Verification of Payee in Poland
Talk to RoxPay about going live with VoP for the Polish market ahead of the 2027 deadline.