European eID schemes: every EU and EEA national eID in one guide
Every European eID in one place: which schemes are notified under eIDAS and at what level, which big ones are not, users per scheme, who may connect, and what the EUDI Wallet changes. Checked on 5 October 2026.
In short
A European eID is a national electronic identity that people in the EU and EEA use to prove who they are online. More than 30 schemes from 26 EU and EEA countries are on the EU's notified list, and some of the most used ones, such as Smart-ID and the Finnish bank IDs, are not on it.[1]
- Bank-issued and operator-run eIDs are sold to private companies through banks, resellers or brokers; state eIDs range from open with an authorisation to closed.[5][14][20][18]
- No single eID covers Europe. Plan for a mix of national eIDs, a document route and, from 2027, the EU Digital Identity (EUDI) Wallet.
This guide lists every European eID a business is likely to meet in the EU and EEA: which schemes are notified under eIDAS and at which level, which large ones are not, how many people use each, and who may connect.
What counts as a European eID
An electronic identification (eID) scheme lets a person sign in with a credential issued after their identity was checked: a chip card, a phone app or a bank login. Under the eIDAS Regulation, a Member State can notify a scheme to the European Commission at one of three levels of assurance (LoA): low, substantial or high.[1] Foreign notified eIDs come in through national eIDAS nodes, such as the one DIGG runs in Sweden.[2]
Many national schemes are never notified, which says nothing about their strength.
Sources: the EU notified-schemes list and Regulation (EU) 2024/1183.[1][3]
The notified European eID schemes, country by country
This is the Commission's list as read on 5 October 2026, limited to schemes for natural persons. The year is the year of notification.[1]
| Country | Notified scheme | Level | Year |
|---|---|---|---|
| Austria | ID Austria | High | 2022 |
| Belgium | eID card (FAS / eCards); itsme | High | 2018; 2019 |
| Bulgaria | Evrotrust eID (private, designated national) | Low to high | 2023 |
| Croatia | NIAS with the eOI ID card | High | 2018 |
| Cyprus | Cyprus National eID (IDMe.cy) | High | 2023 |
| Czechia | eID card; Mobile eGovernment Key and mojeID | High; low to high | 2019; 2021 |
| Denmark | MitID | Substantial, high | 2022 |
| Estonia | ID card, Digi-ID, e-Residency Digi-ID, Mobile-ID | High | 2018 |
| Finland | Citizen Certificate on the ID card | High | 2025 |
| France | La Poste digital identity (FranceConnect+); France Identité | Substantial; high | 2021; 2024 |
| Germany | eID card, eResidence permit, EU citizen eID card | High | 2017 |
| Italy | SPID; CIE ID card | Low to high | 2018; 2019 |
| Latvia | eID karte, eParaksts karte, eParaksts | Substantial, high | 2019 |
| Liechtenstein | eID.li | Substantial, high | 2023 |
| Lithuania | National identity card | High | 2020 |
| Luxembourg | National identity card | High | 2018 |
| Malta | eID card and e-residence documents | High | 2021 |
| Netherlands | DigiD Substantieel and Hoog | Substantial, high | 2020 |
| Norway | BankID; Buypass ID | High | 2022 |
| Poland | Trusted profile; personal profile (e-dowód) | Substantial, high | 2023 |
| Portugal | Cartão de Cidadão; Chave Móvel Digital | High | 2019; 2020 |
| Romania | ROeID | Substantial | 2024 |
| Slovakia | Citizen and foreigner eCard | High | 2019 |
| Slovenia | SI eID card | High | 2023 |
| Spain | DNIe (electronic national ID card) | High | 2018 |
| Sweden | Swedish eID: BankID, Freja eID, EFOS | Substantial, high | 2020 |
Greece, Hungary, Iceland and Ireland have no scheme on the list. Neither do some of the largest schemes in countries that do: Smart-ID in the Baltics is not EU-notified, nor are the Finnish bank IDs, Lithuanian Mobile-ID, iDIN, Spain's Cl@ve, the Czech Bank iD or the mObywatel app itself.[1] BankID Sweden sits inside the Swedish notified scheme, and its notified level is substantial.[4]
Bank-ID countries and state-ID countries
Who issues the eID decides most of what a business can do with it.
Banks issue
Bank-ID countries
- Sweden, Norway, Finland, Czechia
- Bought from banks, resellers or brokers
- Priced per use, often privately
BankID, Finnish bank IDs, Bank iD
The state issues
State-ID countries
- Germany, Austria, Netherlands, France, Spain, Poland
- Access by permit, registration or not at all
- Often a chip card plus an app
German eID, ID Austria, DigiD, Cl@ve
Shared or private operator
Mixed countries
- Denmark, Belgium, Baltics, Italy, Bulgaria
- Contract with the operator or a broker
- Some sit on the notified list, some do not
MitID, itsme, Smart-ID, SPID, Evrotrust
In Sweden, a company buys BankID from a bank or a reseller.[5] Norway's BankID is run by Stø, which is owned by Norwegian banks and sells through resellers.[6] Finland's bank IDs reach businesses through registered brokers, and the law caps the fee a broker pays the identification provider for each identification.[7][8] Denmark's MitID is owned jointly by the Agency for Digital Government and Finance Denmark.[9] Belgium's itsme comes from a consortium of banks and telecom operators, and Smart-ID is run by SK ID Solutions.[10][11]
For how a sign-in works under the hood, read what eID verification is.
Users and private access, scheme by scheme
Operators count differently (unique users, cards issued, logins), so each cell says what was counted and when.
| Scheme | Country | Issued by | Users (what, when) | Private access |
|---|---|---|---|---|
| BankID | Sweden | Banks | 8.7 million unique users (2025)[12] | Through a bank or reseller[5] |
| MitID | Denmark | State and banks | 5.3 million registered (April 2026)[13] | Through a certified broker[14] |
| BankID | Norway | Stø, owned by banks | 4.7 million (2026)[15] | Through Stø's resellers[15] |
| Bank IDs (FTN) | Finland | Banks and operators | No official total published | Any registered broker[7] |
| Smart-ID | Estonia, Latvia, Lithuania | SK ID Solutions | 3,853,329 (5 October 2026)[11] | From SK or a broker[16] |
| DigiD | Netherlands | State (Logius) | 645 million uses (2025)[17] | Statutory public tasks only[18] |
| eID card | Germany | State | 25% of people use it (2025)[19] | With a state authorisation[20] |
| ID Austria | Austria | State | About 4.9 million (Federal Chancellery, March 2026)[21] | Register as a service provider[22] |
| FranceConnect+ | France | State broker | 7 million+ identities (early 2025)[23] | Only where a law requires ID checks[24] |
| SPID | Italy | Accredited private providers | 1.22 billion logins (2025)[25] | Private firms may join[26] |
| CIE | Italy | State | 67 million cards issued, cumulative[27] | Federation admits private firms[28] |
| Cl@ve | Spain | State | 26 million registrations (August 2026)[29] | No private channel found |
| Chave Móvel Digital | Portugal | State | No primary figure found | Accepted for remote account opening[30] |
| mObywatel | Poland | State | 11 million+ mobile IDs (end of 2025)[31] | No online private API found[32] |
| Bank iD | Czechia | Banks | 5 million (2025)[33] | Contract, public price list[34] |
| Evrotrust | Bulgaria | Private company | 2 million+ (November 2025)[35] | Any business, by contract[36] |
Private access is widest where banks or a private operator issue the eID, and narrowest where the state built the scheme for its own services, such as DigiD and Cl@ve. In Norway, on 24 September 2026, Nkom gave notice that six former BankID issuers did not meet level high.[18][37]
Cross-border recognition: what eIDAS does and does not oblige
Notification lets a scheme be used in other countries through national eIDAS nodes.
- Expect foreign notified eIDs to arrive through a national node. Sweden lets private actors join its node, but only to accept foreign eIDs.[2]
- Do not read a duty into the list. The private-sector acceptance rule in eIDAS 2, Article 5f(2), names EUDI Wallets, not national schemes.[3]
- Check the level, not only the list, for anti-money laundering (AML) work. The Anti-Money Laundering Regulation (AMLR), Article 22(6)(b), accepts eID at level substantial or high from 10 July 2027.[38]
- Keep the national AML rule in view until then. Czech law, for example, accepts an eID at level high in a qualified system or a bank identity.[39]
Recital 11Anti-Money Laundering Authority (AMLA), final draft standards under Article 28(1) AMLR
"[...] regardless of whether they are notified under Article 9 [...] as long as they comply with the requirements of either 'substantial' or 'high' assurance levels [...]. This includes European Digital Identity Wallets."
Source: AMLA, Final Report, 30 September 2026[40]
The AMLA text is a final draft sent to the Commission on 30 September 2026, not law yet. If it stands, an eID qualifies whether or not it is notified, as long as it meets level substantial or high.[40] The remote onboarding guide covers the AML side in detail.
The EUDI Wallet transition across European eID countries
Every Member State must offer at least one EUDI Wallet by 24 December 2026. Regulated private companies that must use strong user authentication must accept it at the user's request by 24 December 2027; micro and small enterprises are exempt.[3] Use of the wallet stays voluntary, and other ways to sign in must remain.[3]
- 3 June 2026AltIDDenmark's state ID and age-proof app launches, according to TV 2.
- 1 December 2026SverigeIDSweden's state e-ID opens.
- 24 December 2026Wallets dueOne EUDI Wallet per Member State.
- 10 July 2027AMLR applieseID at substantial or high is a verification route.
- 24 December 2027AcceptanceRegulated private companies accept the wallet.
Dates from the regulations and national announcements; the AltID launch date is from TV 2.[52][42][3][38]
| Country | Main eID today | Wallet status on 5 October 2026 |
|---|---|---|
| Italy | SPID, CIE | IT-Wallet in the IO app: 10.1 million activations by 17 February 2026[43] |
| Denmark | MitID | AltID launched on 3 June 2026, according to TV 2[41][52]; the agency is implementing the wallet, known as AltID, in stages[44] |
| Germany | eID card | State wallet d-you due 2 January 2027[45] |
| Finland | Bank IDs | Suomi.fi wallet due in 2027[46] |
| Netherlands | DigiD | NL wallet in development, waiting for national law[47] |
| Sweden | BankID | A 2028 or 2029 release, according to Euronews[48] |
Plan for national eIDs and the wallet side by side. The EUDI Wallet guide explains what a relying party must register and what it receives, and the portrait in the wallet becomes mandatory only from 11 August 2028.[49]
How to cover European eID with one integration and a document route
No scheme covers more than a few countries, and some people have no eID. Use a waterfall: national eIDs first, a document second, then fill the gaps.
1Detect the country
From the document, phone number or the user's choice.
The user has a national eID at the level you need
Sign in with the eID
Signed name, date of birth, scheme identifier, level.
Verify a document
Near-field communication (NFC) chip reading, liveness, face match.
2Fill the gaps
Collect the address and any attribute the eID did not return.
3Screen and decide
Sanctions and politically exposed person checks, then your decision.
What the user sees:
Where is your ID from
We show the eIDs used in your country.
Continue
1The user picks their country.
Choose how to verify
Sign in with the electronic ID you already use.
Smart-ID
Use an ID document instead
2The user picks a national eID, or a document.
Your code
4821
Check it in the Smart-ID app.
3The flow shows a code and never asks for the PIN.
Same code
4821
Confirm
4Inside the eID app, the user sees the same code and types the PIN there.
Identity confirmed
- Full nameShared
- Date of birthShared
- AddressNot shared
5The signed attributes come back; the address does not.
The hard part is contracts, not code: one broker or certificate per scheme. An aggregator that holds those contracts turns them into one API. The eID API integration guide walks through the protocols, and the cost guide covers pricing per scheme.
How Didit helps with eID verification across Europe
Didit runs five national eIDs live in seven European countries: MitID ($0.25), BankID Sweden ($0.20), the Finnish Trust Network ($0.25), Smart-ID ($0.20; Estonia, Latvia, Lithuania, Belgium) and Mobile-ID ($0.20; Estonia, Lithuania). They return a signed full name, date of birth, a scheme identifier (for example the Swedish personnummer; MitID returns a pseudonymised identifier) and the level of assurance, with no address or portrait. More schemes are on our roadmap (table below), EUDI Wallet acceptance is coming soon, and Didit adds others on request. In every country, the document route with NFC chip reading, liveness and face match runs in the same workflow, followed by AML screening at $0.20. Turn on digital ID wallets in the console under Workflows, ID Verification, Countries, Wallets accepted. Prices are per completed sign-in; full know-your-customer (KYC) checks cost $0.33.
| eID | Countries | Didit level | Didit status |
|---|---|---|---|
| MitID | Denmark | Substantial | Live |
| BankID Sweden | Sweden | Substantial | Live |
| Finnish Trust Network | Finland | Substantial | Live |
| Smart-ID | Estonia, Latvia, Lithuania, Belgium | High | Live |
| Mobile-ID | Estonia, Lithuania | High | Live |
| BankID Norway, Buypass, Vipps | Norway | Not set | Coming soon |
| itsme, iDIN, German eID card, FranceConnect, Freja eID, eParaksts, Estonian ID card, Bank iD | Eight countries | Not set | Coming soon |
| EUDI Wallet acceptance | EEA | Not set | Coming soon |
| SPID, CIE, Cl@ve, DigiD, ID Austria | Italy, Spain, Netherlands, Austria | Not set | On request |
Didit provides
- Live national eIDs and a document route in one workflow
- Signed attributes and the evidence of every check
- AML screening
Stays with you
- Which eIDs and levels you accept per country
- The risk assessment and the onboarding decision
- Your AML obligations and liability
Accept the European eIDs your customers already use
Turn on the live eIDs, keep documents as the fallback, and tell us which scheme you need next.
Key takeaways
- More than 30 European eID schemes from 26 countries are on the notified list.
- Large schemes such as Smart-ID and the Finnish bank IDs are not notified and are widely used.
- Bank-issued eIDs reach private companies through banks, resellers or brokers; DigiD is restricted to organisations performing an eligible statutory public task with BSN entitlement.
- Regulated private companies must accept the EUDI Wallet by 24 December 2027.
Frequently asked questions
What is a European eID?
It is a national electronic identity used in an EU or EEA country to prove who someone is online, such as a chip ID card, an app like MitID or a bank login like BankID. Each country runs its own schemes. Those notified under eIDAS carry a level of assurance: low, substantial or high.[1]
Which European eIDs are notified under eIDAS?
On 5 October 2026 the Commission's list held schemes from 26 EU and EEA countries, including MitID, the Swedish eID with BankID, the German eID card, ID Austria, DigiD, itsme, SPID, CIE, the DNIe and BankID Norway. Greece, Hungary, Iceland and Ireland have none on the list.[1]
Is Smart-ID on the EU list?
No. Smart-ID is not EU-notified in any of the three Baltic states. The notified Estonian scheme covers the ID card, Digi-ID and Mobile-ID; Latvia's covers the eID card and eParaksts; Lithuania's covers the identity card.[1]
Do private companies have to accept eIDs from other EU countries?
Not because a scheme is notified. The private acceptance duty in eIDAS 2, Article 5f(2), applies to EUDI Wallets from 24 December 2027, for regulated companies that must use strong user authentication, at the user's request.[3] National schemes reach other countries mainly through public eIDAS nodes.[2]
Can a business use a non-notified eID for AML checks?
From 10 July 2027, AMLR Article 22(6)(b) accepts electronic identification at level substantial or high.[38] AMLA's final draft standards say this applies whether or not the scheme is notified, but they are not law yet.[40] Until then, national AML rules decide.
Which European countries use bank-issued eIDs?
Sweden and Norway use bank-based BankID schemes, Finland uses bank IDs through the Finnish Trust Network, and Czechia's Bank iD reached 5 million users in 2025.[5][6][7][33] Denmark's MitID is owned jointly by the state and the banks.[9]
Will the EUDI Wallet replace national eIDs?
Not by law. Using the wallet is voluntary, and other ways to access services must remain.[3] Denmark, for example, is implementing its wallet, known as AltID, in stages.[44]
Are the UK and Switzerland part of this system?
No. Both are outside the EU eIDAS regime. The UK cancelled its planned national digital ID on 21 July 2026, and Switzerland postponed its E-ID launch on 30 June 2026 with no new date.[1][50][51]
Sources
- Overview of pre-notified and notified eID schemes under eIDAS, European Commission, read 5 October 2026.
- Om e-legitimering, Agency for Digital Government (DIGG).
- Regulation (EU) 2024/1183 (eIDAS 2), EUR-Lex, Official Journal of 30 April 2024.
- Approved e-IDs and attestation functions, DIGG.
- Connect your business to BankID, BankID.
- About us, BankID Norway (Stø).
- Register of strong electronic identification providers, Traficom (16 June 2026).
- Act on strong electronic identification (617/2009), section 12 c, Finlex.
- About MitID, MitID.
- iDIN overgenomen door itsme, iDIN.
- Smart-ID live user counter, SK ID Solutions, read 5 October 2026.
- BankID in numbers, BankID.
- Figures and statistics, Agency for Digital Government (MitID figures updated 16 April 2026).
- MitID brokers, Agency for Digital Government.
- ID services, Stø.
- Price list for e-service providers, SK ID Solutions (valid from 1 June 2026).
- DigiD-gebruik groeit naar 645 miljoen inlogacties, Logius, 11 June 2026.
- Aansluiten op DigiD, Logius.
- eGovernment MONITOR 2025, Initiative D21.
- Vergabestelle für Berechtigungszertifikate, Bundesverwaltungsamt.
- ID Austria goes Wirtschaft, Federal Chancellery, 17 March 2026.
- ID Austria for businesses, Digital Austria.
- FranceConnect partner documentation: identity providers.
- FranceConnect partner documentation: billing.
- SPID, Agenzia per l'Italia Digitale.
- Diventa fornitore di servizi, SPID.
- CIE issuance counter, Ministry of the Interior, read 5 October 2026.
- Manuale operativo, Federazione CIE.
- Cl@ve indicators, OBSAE dashboard, Ministry for Digital Transformation (August 2026).
- Abertura de conta, Portal do Cliente Bancário, Banco de Portugal.
- 11 milionów mObywateli, Ministry of Digital Affairs, 28 January 2026.
- Kod QR: skuteczna metoda weryfikacji mDowodu, Ministry of Digital Affairs.
- Bankovní identita má 5 milionů uživatelů, Bankovní identita.
- Ceník, Bankovní identita (from 1 January 2024).
- Evrotrust newsroom: over 2 million users, Evrotrust, November 2025.
- Evrotrust developer documentation.
- Nkom varsler vedtak i BankID-saken, Nkom, 24 September 2026.
- Regulation (EU) 2024/1624 (AMLR), EUR-Lex, Official Journal of 19 June 2024.
- Act No. 253/2008 Coll. on anti-money laundering measures, section 8a, Zákony pro lidi.
- Final Report, draft RTS under Article 28(1) AMLR, AMLA, 30 September 2026.
- AltID, Agency for Digital Government.
- Statlig e-legitimation SverigeID, Swedish Police Authority.
- IT-Wallet supera quota 10 milioni di attivazioni, Department for Digital Transformation, 17 February 2026.
- eIDAS2 and the digital identity wallet, Agency for Digital Government.
- d-you: Deutschland startet digitale Identität für alle, BMDS press release 53/2026, 9 September 2026.
- European Digital Identity Wallet, Digital and Population Data Services Agency (DVV).
- ID wallet, NL Digital Government.
- Would you trust one app with all your digital identity, Euronews, 15 September 2026 [secondary].
- Commission Implementing Regulation (EU) 2026/1731, EUR-Lex, Official Journal of 22 July 2026.
- UK digital ID, House of Commons Library briefing CBP-10369, 4 September 2026.
- E-ID: Einführung verschoben, Swiss Federal Council, 30 June 2026.
- Report on AltID downloads, TV 2 Nyheder, 23 July 2026 [secondary].
To see which European eIDs you can turn on today and how the document route fills the gaps, start with eID verification on Didit.
One workflow for every European customer
National eIDs where people have them, documents where they do not, and AML screening in the same flow.
Related articles
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- OpenID4VP verifier guide: accepting the EUDI Wallet
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- Smart-ID API: a developer's guide to RP API v3
- National digital identity worldwide: models, leaders, standards