Map where they identify customers today: onboarding, logins, signing and approvals.
What the European Digital Identity Wallet will mean for your business
The European Digital Identity Wallet (EUDI Wallet) is a free digital ID app that every EU member state must offer its citizens by the end of 2026. From December 2027, banks and other regulated businesses must accept it when a strong customer authentication (SCA) is required.
This guide explains what the EUDI Wallet is, how it will work, the dates that matter, and how Scrive will let you use the wallet in your existing e-signing and identification flows.
“The new European digital identity wallets (EUDI Wallets) will enable all citizens to access online services with their national digital identification, which will be recognised throughout the EU, without having to use private identification methods or unnecessarily share personal data. User control ensures that only information that needs to be shared will be shared.”
What is the EUDI Wallet?
The EUDI Wallet, sometimes also referred to as the EU Digital ID Wallet or simply the EU digital wallet, will be offered as a mobile app that lets people prove who they are and share verified information online and in person, anywhere in the EU.
The wallet is created by Regulation (EU) 2024/1183, known as eIDAS 2.0, and initially entered into force on 20 May 2024. Each member state must provide at least one wallet by the end of 2026, but using it will be voluntary and free for individuals.
With the EUDI Wallet, people will be able to:
- Identify themselves to public and private online services across the EU.
- Store and share credentials such as a mobile driving licence, diplomas or professional qualifications.
- Share only the data needed, for example proving they are over 18 without revealing their date of birth.
- Sign documents with a qualified electronic signature (QES).
How the EUDI Wallet will work
Every national wallet will follow the same EU technical rules, set out in implementing acts and in the Architecture and Reference Framework (ARF). This is what lets a wallet issued in one country work in all the others.
The wallet will involve four main parties:
- Issuers – trusted parties, such as national authorities, that put identity data and other credentials into the wallet.
- The wallet holder – the person who controls what is shared, with whom, and when.
- Relying parties – businesses and public bodies that request and check data from the wallet. Relying parties must register before they can request data. This protects users from phishing.
- Intermediaries – organisations like Scrive that help relying parties use the wallets by handling technical complexity and supporting the required registration processes.
For the person signing, it will stay simple:
- The user clicks “Sign”.
- They choose the EUDI Wallet as their identification method.
- They confirm their identity in the wallet app.
- The document is signed.
"Many discussions about the wallet are infinitely complex, but the actual user experience is simple. Behind the scenes, providers like Scrive will manage the complexity, handling integrations, compliance, and orchestration across identity providers of the wallet framework – so organisations can continue to offer a smooth and reliable signing experience."
EUDI Wallet timeline: key dates
| Date | Milestone |
|---|---|
| 20 May 2024 | eIDAS 2.0 (Regulation (EU) 2024/1183) enters into force |
| 24 December 2024 | First technical rules for the wallet enter into force, starting the deadlines below |
| May 2025 | Second set of rules adopted, including rules for relying parties |
| December 2026 | Every EU member state must offer at least one EUDI Wallet |
| 10 July 2027 | The EU Anti-Money Laundering Regulation (AMLR) is expected to apply, with the EUDI Wallet as an accepted way to identify customers remotely |
| 24 December 2027 | Private services that must use strong user authentication must accept the wallet |
Stay up to date on the EUDI Wallet rollout
Sign up for the latest news on where markets stand with the EUDI Wallet. Every EU member state must offer a wallet by the end of 2026, but rollout speeds vary. Some wallets will launch with limited features and expand step by step.
What businesses must do before the end of 2027
By 24 December 2027, private services that must use strong customer authentication (SCA) for online identification, by law or by contract, must also accept the wallet at the user’s request. This includes areas such as transport, energy, banking and financial services, social security, health, drinking water, postal services, digital infrastructure, education and telecommunications.
Micro and small enterprises will be exempt, while very large online platforms must accept the wallet when users request to log in with it.
To be ready in time, organisations should now:
Check whether they are in a sector required to accept the wallet.
Register as a relying party in the country where they are established, declaring which data they will request (they can’t ask for more than they registered).
Choose a digital identity wallet provider that can add the wallet alongside existing eIDs, without rebuilding their flows.
EUDI Wallet in banking and regulated sectors
From 10 July 2027, the EU Anti-Money Laundering Regulation (AMLR) will allow banks to verify customers’ identities online using electronic identification at assurance level substantial or high, including the EUDI Wallet.
By 24 December 2027, banks and other financial services providers must also accept the EUDI Wallet at the customer’s request when using strong user authentication for online identification
Under AMLR, the EUDI Wallet will be one of the accepted methods for identifying customers remotely, alongside eID schemes and qualified trust services.
For banks, the wallet is both a compliance requirement and a chance to make cross-border onboarding faster. Because many customers will not have a wallet at first, banks need a setup that accepts the wallet and the eIDs customers already use in the same flow.
With Scrive, banks will be able to:
Accept the EUDI Wallet next to the national eIDs their customers already use, such as BankID.
Onboard customers from other EU countries with the same flow.
Combine identification and qualified electronic signatures in one process.
Keep an audit trail that shows who signed and how they were identified
“If an agreement is challenged in court, one of the essential questions is ‘Who signed the document?’. Because the EUDI Wallet will provide a means of secure identification for many more millions of Europeans, secure e-signing will therefore become a reality for many more.”
Qualified electronic signatures with the EUDI Wallet
With eIDAS 2.0, the EUDI Wallet will support qualified electronic signatures (QES). A QES has the same legal effect as a handwritten signature in every EU country.
Scrive is a Qualified Trust Service Provider (QTSP). We will therefore combine the wallet with our own qualified trust services to deliver QES that meets the highest EU requirements, without adding steps for the signer.
How Scrive will support the EUDI Wallet
Scrive treats the EUDI Wallet as one more identification method within a flexible setup, not a replacement for the eIDs people already use. As a digital identity wallet solution for e-signing, Scrive will let the EUDI Wallet, BankID and other eIDs work in the same signing flow. Alongside the wallet, Scrive will offer Multi-Authentication Selection (MAS), so signers can choose how to identify themselves, for example with:
- National eIDs such as BankID
- Other local identity providers
- Country-independent solutions such as Scrive QES Global
- The EUDI Wallet
This will keep the experience consistent, support higher completion rates, and make your signing flow ready for whatever digital identity looks like next. All eIDs will be available through one API in the Scrive eID Hub.
"Scrive is in the business of signing, identification and data products, and our view on eIDs is agnostic. That is why we have built such an extensive collection of European eIDs gathered under one API. When the EUDI Wallet becomes a reality, it will provide secure identity means for many more Europeans, facilitate faster digitalisation, and strengthen cooperation and business between Europeans. We are of course highly in favour of that."
Test the EUDI Wallet in Scrive eID Hub
Get free sandbox access and start building with the EUDI Wallet today. Test the wallet side by side with established eIDs in multi-authentication flows, and prepare for production, all through one API.
Wallets available to test
| Wallet | Country | Status |
|---|---|---|
| EU reference wallet | European Commission | Available now |
| d-you | Germany | Available now |
| mObywatel | Poland | Being added now |
| France Identité | France | Being added now |
| IT-Wallet | Italy | Being added now |
| AltID | Denmark | Being added now |
EUDI Wallet FAQ
What is EUDI?
EUDI stands for European Digital Identity. The EUDI Wallet is the European Digital Identity Wallet.
When will the EUDI Wallet be available?
Every EU member state must offer at least one EUDI Wallet by the end of 2026. Some countries have already started pilots.
Will it be mandatory to use the EUDI Wallet?
For individuals, it will be voluntary and free to use the wallet. For businesses, regulated services that must use strong customer authentication (SCA) have to accept it by 24 December 2027.
Do banks have to accept the EUDI Wallet?
Yes. Banks and other financial services that are legally required to use strong customer authentication (SCA) must accept the wallet at the customer’s request by 24 December 2027. Under the Anti-Money Laundering Regulation, expected to apply from 10 July 2027, the wallet will also be an accepted way to identify customers remotely.
Can I sign documents with the EUDI Wallet?
Yes. Scrive will support qualified electronic signatures (QES) with EUDI Wallets as the technology evolves. QES have the same legal effect as handwritten signatures across the EU.
Will the EUDI Wallet replace BankID and other national eIDs?
Not necessarily. Many national eIDs will continue to exist alongside the wallet. With Scrive, you can offer both in the same flow.
What is the Architecture and Reference Framework (ARF)? The ARF is the European Commission’s set of technical specifications for the wallet. It ensures that wallets from different countries work together.
How will I accept the EUDI Wallet with Scrive?
Scrive will add the wallet as an identification method in your existing signing and identification flows, through the eID Hub API or Scrive’s e-signing products. Talk to an expert to plan your setup.
Get ready for the EUDI Wallet
The EUDI Wallet is a major step toward one trusted digital identity across Europe. With Scrive, you will be able to add it to your existing flows, meet the 2027 requirements and keep signing fast and secure.
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