Identity verification
built for Germany 
Personalausweis with the eID chip, e-Passport, EU residence permit and Führerschein on one session, cross-checked against German credit-bureau and address records, $0.33 full KYC, 500 free every month.
Robinhood Ventures
Trusted by 2,000+ organizations worldwide.
How identity verification works in Germany.
- Fraud landscape
- Three pressures shape German identity fraud: deepfake and synthetic-ID attacks on neobank, broker, and crypto-custody onboarding under MaRisk; Personalausweis and Führerschein document forgery; and high-velocity SEPA Instant fraud rings exploiting the new EU Instant Payments Regulation. Didit scores 200+ real-time fraud signals on every session, face morph, replay, injection, document tampering, device intelligence, IP geolocation.
- Compliance frameworks
- Geldwäschegesetz (GwG)
- BaFin MaRisk
- AMLD6
- MiCA
- DORA
- GDPR / BDSG
- eIDAS 2.0
- EU Instant Payments Regulation
Who supervises identity verification in Germany.
BaFin
Bundesanstalt für Finanzdienstleistungsaufsicht, federal financial supervisor for banks, payment institutions, e-money institutions, broker-dealers, and crypto-asset service providers. Sets MaRisk and GwG remote-onboarding rules.
BfDI
Bundesbeauftragte für den Datenschutz und die Informationsfreiheit, federal data-protection commissioner. Coordinates with 16 state DPAs to enforce GDPR and the BDSG.
FIU Deutschland
Zentralstelle für Finanztransaktionsuntersuchungen, Germany's Financial Intelligence Unit. Receives Geldwäscheverdachtsmeldungen (Suspicious Activity Reports) under the Geldwäschegesetz.
Bundeskartellamt
Federal Cartel Office, competition authority. Enforces digital-market rules under the GWB and contributes to KYB beneficial-ownership transparency.
Finanzamt
Federal and state tax authorities. Maintain the Steuer-Identifikationsnummer used in KYB lookups across the Handelsregister and Transparenzregister.
Four modules. One verification.
Capture and read the ID.
Captured on any phone, auto-classified, OCR-parsed, and template-verified.
- Personalausweis (with the eID chip read on the same flow), Reisepass (chip read on e-Passports), Aufenthaltstitel for non-EU residents, and Führerschein.
- Every EU/EEA national identity card is accepted on the same session under EU Regulation 2019/1157 and AMLD6 mutual recognition.
- Returns the name, ID number, date of birth, place of issue, and expiry.
- Personalausweis with eID chip read
- Reisepass, chip read on e-Passport
- Aufenthaltstitel · Führerschein · EU/EEA IDs
Match the face. Prove it's a real person..
Selfie confirmed live and matched against the ID portrait.
- Duplicate check: 1:N face search across existing users. Free.
- Active liveness ($0.15) for elevated-risk flows, user turns or blinks.
- Selfie on any phone or laptop camera
- Mobile-handoff QR when the user starts on desktop
Screen for sanctions, PEPs, and adverse media.
1,300+ global sanctions, PEP, and adverse-media lists, plus German watchlists:
- Federal Ministry of the Interior Germany, Bans on Associations (Sanctions), domestic organization bans with criminal and financial-sanction effect.
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Administrative sanctions and warnings, BaFin enforcement orders against regulated financial-market participants.
- Zentralstelle für Finanztransaktionsuntersuchungen (FIU Deutschland), German Financial Intelligence Unit suspicious-transaction reports and typology bulletins.
- Unternehmensverzeichnis für Deutschland (SIE register), state-invested and government-affiliated enterprise register.
- Bundestag (PEP Level 1) and Bundesrat members, members of the federal lower and upper chambers.
- Federal and state government PEPs, city, Länder, and federal scope, senior officials at every tier of German public administration.
- Transparenzregister, beneficial-ownership register, maintained by the Bundesanzeiger Verlag under the GwG transparency requirements.
- Deutsche Bundesbank, enforcement notices and regulatory-sanction register, Bundesbank supervisory decisions and financial-sector sanctions.
- Hits are scored by severity, a Bundestag member surfaces as PEP Level 1, a Federal Ministry director as PEP Level 2, BaFin sanctions as critical.
- Turn on ongoing monitoring ($0.07 per user / year) and Didit re-checks every customer daily, firing a webhook the moment a new hit appears.
Screen for sanctions, PEPs, and adverse media , see the docs for the full module surface.
Cross-check against German credit-bureau and address records.
Cross-checked against the authoritative civil registry.
- The Credit Bureau check (
deu_credit_bureau, ~80% coverage) is the BaFin-grade authoritative-source check, requires user consent. - Residential (
deu_residential, >70%) and Utility (deu_utility, ~40%) combine consumer, telephone, postal and utility records for address confirmation, no consent required. - Phone (
deu_phone, ~50%) and Phone 2 (deu_phone_2, >75%) match the user's mobile-network-operator data to the captured identity. - Run the cheap Consumer lookup (
deu_consumer, $0.08) as a first-pass gate, escalate to the credit-bureau check only when needed.
Cross-check against German credit-bureau and address records , see the docs for the full module surface.
Every Germany document Didit accepts.
Civil-registry and AML coverage for Germany.
Germany — Consumer
Source: Lead-generation database (consumer records). $0.08 per successful query. Coverage ~10% of adult population.
Germany — Credit Bureau
Source: Credit Bureau (Credit Header data). $0.84 per successful query. End-user consent required. Coverage ~80% of adult population.
Germany — Residential
Source: Combined consumer, telephone, and postal records. $0.61 per successful query. Coverage >70% of adult population.
Germany — Utility
Source: Consumer, telephone and utility records. $0.84 per successful query. Coverage ~40% of adult population.
Germany — Phone
Source: Telco billing records and phone data. $0.30 per successful query. Coverage ~50% of phone lines.
Germany — Phone 2 (MNO lookup)
Source: Mobile network operators phone data. $0.59 per successful query. Coverage >75% of mobile lines.
AML lists screened in Germany
1,300+ sanctions, Politically Exposed Persons (PEP), and adverse-media lists, plus the country's regulatory watchlists and PEP registries.
Open a new country in one click. We do the hard work.
Common questions about Germany.
What does Didit ship?
Didit is the infrastructure layer for identity and fraud. One Application Programming Interface (API), 25+ composable modules across four product lines:
- User Verification (KYC, know your customer), Identity Document Verification, liveness, face match, Anti-Money Laundering (AML) screening, Internet Protocol (IP) analysis. $0.33 per full bundle.
- Business Verification (KYB, know your business), registry, Ultimate Beneficial Owner (UBO), officers, entity AML, plus a linked KYC session per UBO.
- Transaction Monitoring, real-time rule engine, case management, Suspicious Activity Report (SAR) workflow.
- Wallet Screening (KYT, know your transaction), on-chain wallet risk at $0.15 per check, or bring your own screening provider and run it inside Didit.
Compose any module into a workflow with the visual no-code builder, ship in 5 minutes, 500 verifications free every month, forever.
How is Didit different from a single-product Know Your Customer (KYC) vendor?
Most identity vendors sell one slice, a KYC check, an Anti-Money Laundering (AML) list, a wallet screen. Didit ships the infrastructure underneath all of them, and the gap shows up on six axes:
- Pricing. Public price on every module, $0.33 for a full KYC, 500 verifications free every month, no minimums, no contracts. Single-product vendors hide six-figure minimums behind a sales call.
- Access. Sandbox in one click, self-serve from day one, production keys on signup. Single-product vendors gate the sandbox behind a contract, months to evaluate.
- Developer experience. Public docs, a Model Context Protocol (MCP) server for Claude Code and Cursor, and native Software Development Kits (SDKs) for Web, iOS, Android, React Native, and Flutter. Integrate in 5 minutes with an AI agent or in a working afternoon by hand.
- User experience. Highest pass rates in the market, sub-2-second end-to-end inference, country-specialised capture flows, 48+ languages out of the box.
- Flexibility. One
/v3/Application Programming Interface (API) composes 25+ modules across KYC, Know Your Business (KYB), Transaction Monitoring, and Wallet Screening (KYT, know your transaction). A KYB session spawns a linked KYC for every Ultimate Beneficial Owner (UBO); a flagged transaction spawns a step-up KYC remediation, same session, same webhook contract, same audit trail. Single-product vendors sell one shape of KYC and stop there. - AI-era fraud. 200+ real-time fraud signals scored on every session, deepfake, injection, synthetic-ID, document forgery, face-morph, device intelligence, replay. Single-product vendors treat deepfake and injection detection as roadmap items, not defaults.
Common in fintech and crypto, the same architecture fits marketplaces, iGaming, mobility, and any vertical where you need to know who someone is and what they are doing.
What does it cost? Is anything actually free?
500 verifications free every month, forever, on every account. No credit card. No sales call. No expiry.
Above the free tier, every module has a public per-success price on didit.me/pricing, $0.33 per full KYC bundle, $0.15 per Identity Document Verification, $0.15 per Wallet Screening, $0.20 per Anti-Money Laundering (AML) Screening, $0.10 per liveness, $0.05 per face match, $0.03 per Internet Protocol (IP) analysis.
Pay-as-you-go, no minimums, no overage surprises. Volume discounts kick in automatically as you grow.
Which German regulator covers identity verification on a digital onboarding?
Three sit on top of every German identity-verification flow:
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), sets remote-onboarding requirements for banks, payment institutions, e-money institutions, broker-dealers and crypto-asset service providers under the Geldwäschegesetz (GwG) and BaFin MaRisk.
- Zentralstelle für Finanztransaktionsuntersuchungen (FIU Deutschland), Germany's Financial Intelligence Unit. Receives Geldwäscheverdachtsmeldungen generated by the AML stage of the flow.
- Bundesbeauftragte für den Datenschutz und die Informationsfreiheit (BfDI), federal data-protection commissioner. Coordinates with 16 state DPAs to enforce GDPR and the BDSG.
Didit ships the hosted flow + the audit log + the watchlist coverage to satisfy all three at the same time, same POST /v3/session/ workflow, same JSON report, same SOC 2 Type 1 + ISO/IEC 27001 evidence pack.
Does Didit read the Personalausweis eID chip?
Yes. Didit reads the Personalausweis electronic Identity Document (eID) at eIDAS Level of Assurance High via the AusweisApp-compatible flow defined in BSI Technical Guideline TR-03110.
The chip data is returned on the same session alongside:
- The visual capture of the front and back of the card
- Public Key Directory signature validation for the Reisepass NFC chip
- The full audit trail expected by a BaFin examiner under the Geldwäschegesetz Customer Due Diligence pillars
Does Didit cross-check German identities against credit-bureau and address records?
Yes, via six Database Validation services on POST /v3/database-validation/.
- `deu_credit_bureau` (
$0.84, ~80% coverage, consent required), the BaFin-grade Credit Header check. - `deu_residential` (
$0.61, >70%), combined consumer, telephone and postal records. - `deu_utility` (
$0.84, ~40%), consumer, telephone and utility records. - `deu_phone` (
$0.30, ~50%) and `deu_phone_2` ($0.59, >75%), telco billing and mobile-network-operator data. - `deu_consumer` (
$0.08, ~10%), fast lead-generation first-pass gate.
All six are documented at docs.didit.me/api-reference/database-validation/germany/. Pay-per-success, no contracts.
How long does it take to integrate Didit in Germany?
5 minutes to a working sandbox, a weekend to a production flow.
- Sign up at
business.didit.me, grab an API key, callPOST /v3/session/with aworkflow_idthat wires ID Verification + Personalausweis eID chip read + Active Liveness + Face Match + AML + credit-bureau cross-check, done. - AI-agent path: paste the integration prompt at
docs.didit.me/integration/integration-promptinto Claude Code, Cursor, Codex, Devin, Aider, or Replit Agent. The agent provisions the application, builds the workflow, wires the webhook, and runs a smoke test. - Five SDKs share the same session model: Web, iOS, Android, React Native, Flutter.
The first 500 verifications every month are free, forever, pilot the full Germany stack at zero cost before flipping production traffic.
Which language does the hosted verification flow use for German users?
German, auto-detected from the user's browser / device locale. The hosted UI ships in 48+ languages; German users land on the German flow by default. English, Turkish, Polish and Russian are also live on the same flow for expat and migrant onboarding.
The document-recognition layer is decoupled from the UI layer, capture works in any language, and the admin console can be set independently to whichever language your compliance team prefers.
What does the Germany verification cost end-to-end?
Per-module public pricing, pay only for what runs on the session:
- ID Verification,
$0.15per document check (no surcharge for the Personalausweis eID chip read). - Passive Liveness,
$0.10. Active Liveness,$0.15. - Face Match 1:1,
$0.05. Face Search 1:N, free. - AML Screening,
$0.20per check. Ongoing AML,$0.07 per user / year. - `deu_consumer`,
$0.08. `deu_phone`,$0.30. `deu_phone_2`,$0.59. - `deu_residential`,
$0.61. `deu_credit_bureau`,$0.84. `deu_utility`,$0.84.
The full KYC bundle (Identity + Passive Liveness + Face Match + IP Analysis) is `$0.33`, same anchor price worldwide, no Germany surcharge. 500 verifications free every month, no credit card. Volume discounts auto-apply above the free tier; Enterprise adds a custom Master Services Agreement (MSA) and data-residency choice.
Infrastructure for identity and fraud.
One API for KYC, KYB, Transaction Monitoring, and Wallet Screening. Integrate in 5 minutes.