EEA updated requirements

Additional KYC/KYB data required for EEA customers

Recent updates to this page (June 2026)

EEA scope no longer includes businesses whose only EEA presence is a physical operating address; only incorporation address applies.
Tax ID Number (TIN), TIN issuing country match, and foreign tax registration requirements (due December 31, 2026) now apply to Bridge custodial wallet customers only.
Full KYC for directors is now required for at least one director (previously up to two).
Ownership % per UBO is now only required for high risk businesses.
A new Identity verification section has been added under Individuals covering Bridge’s database check process.

In Europe, Bridge is transitioning to a dual-licensed Electronic Money Institution (EMI) and Crypto-Asset Service Provider (CASP) under the MiCA framework, which will offer enhanced consumer protections and new product capabilities in the region. As part of this transition, Bridge will be updating KYC/KYB onboarding and verification requirements for EEA individual and business customers beginning June 15th. This will require you to collect additional data if you are using the Customer API. For existing EEA resident customers, we will provide personalized KYC links for customers with missing data in the Bridge Dashboard for you to send to your customers. They will need to submit the missing data by June 26th.

API requests in scope

You will need to adjust create/update payloads when onboarding new customers and provide additional information for existing customers who fall under EEA scope:

The individual’s residential address is in the EEA
The business’s incorporation address is in the EEA

Customers not in scope keep today’s behavior.
For live reference on the APIs mentioned here, see Create a customer, Update a single customer object, and Create a new associated person.

POST | PUT /v0/customers — individual / associated persons

Live reference: Create a customer Update a single customer object

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

The following fields will be newly required or need to be adjusted for individuals with an EEA country of residence OR UBOs/Associated Persons mapped to a business incorporated or physically located in the EEA:

Requirement	New requirement (to be enforced June 15th for new customers; June 26th for existing customers)	Current state	Sample code
Country of birth and city of birth	Country of birth is a new required field. We also recommend collecting the city of birth, as this will be required by EU law in 2027.	Country of birth and city of birth are not required.	Link
Nationalities	All nationalities of the individual will be required in a new field: “nationalities”. The existing “nationality” field that optionally collects only one nationality will be deprecated.	Providing nationality in the “nationality” field is optional.	Link
Account purpose	Account purpose is required for all individuals (not applicable for associated persons or UBOs).	Account purpose is only required for high risk individuals.	Link
National Identification Number AND Tax ID Number (TIN) Tax ID Number due December 31st, 2026 (Bridge custodial wallet customers only)	Must collect both a valid National ID number and a valid Tax ID Number (TIN) Please refer to valid National ID number and Tax ID Number (TIN) types by country below	Can collect National Identification number OR Tax Identification Number	Link
TIN issuing country and country of residence match Due December 31st, 2026 (Bridge custodial wallet customers only)	Tax ID Number (TIN) must be issued by the country of residence submitted; customers may not claim “no valid tax ID”	The Tax Identification number (TIN) does not need to be issued by the country of residence submitted.	Link
Tax residency status Due December 31st, 2026 (Bridge custodial wallet customers only)	If an individual has tax registrations with any tax authority outside the country they reside in, tax registration information for each of those additional countries is required.	Collecting tax registration information for foreign tax registrations is not required.	Link
Identify verification	No additional data required. However Bridge will perform a database check on the individual. If the database check does not pass, Bridge will require more information to be submitted.	Individuals must only submit and verify a photo ID.
Expired government IDs	Customers with an expired government photo ID will lose access to their endorsements.	Do not require refreshing expired government photo IDs.

Country of birth and city of birth

Place of birth takes country and city. country is now required in the following format. While only country is required, we recommend you start collecting city as well; it will be required under EU law in 2027. Code Sample

"place_of_birth": {
  "country": "FRA",
  "city": "Paris"
}

Nationalities

It is now required to provide all existing nationalities for an individual, ISO 3166-1 alpha-3. During migration we will still honor what you send through field nationality (single string) along with field nationalities. Afterwards we will be deprecating the nationality field. Code Sample

"nationality": "FRA",
"nationalities": ["FRA", "USA"]

Account purpose

The field account_purpose is now required. account_purpose_other: free text should only be used when account_purpose is other. Code Sample

"account_purpose": "receive_salary"

Or when purpose is other: Code Sample

"account_purpose": "other",
"account_purpose_other": "Consulting income"

Identity verification

In addition to the verified government photo ID, Bridge will attempt to verify the customer information against trusted databases. If the customer’s database check succeeds, the EEA identity verification requirement has been satisfied. If the database check fails, Bridge will require at least one of the following supplement verifications in addition to the verified government photo ID:

Proof of address document that matches the address on file

Live selfie via Bridge hosted KYC links

National Identification Number AND Tax ID Number (TIN)

It is required to provide both a National ID number and, for customers with a Bridge custodial wallet by December 31, 2026, a Tax ID Number (TIN) for each individual. See list of tax IDs and national IDs by country. Code Sample

"identifying_information": [
  {
    "type": "spi",
    "issuing_country": "FRA",
    "number": "13 12 345 678 901"
  },
  {
    "type": "passport",
    "issuing_country": "FRA",
    "number": "12AB34567"
  }
]

TIN issuing country and country of residence match + tax residency (foreign registration)

Supported National and Tax Ids

Universal Tax ID Types: [tin]
Universal National ID Types: [national_id, passport, nin, pan, other]

Please use a universal type if no type is specified for your customer’s country in the tables below.

Country	National Id	Tax Id
AUT	si	tin
BEL	nrn	nrn
BGR	ucn	ucn
CYP	-	tin
CZE	rc	rc
DEU	-	steuer_id
DNK	cpr	cpr
ESP	nie	nif
EST	ik	ik
FIN	hetu	hetu
FRA	nir	spi
GLP	nir	spi
GUF	nir	spi
MAF	nir	spi
MTQ	nir	spi
MYT	nir	spi
REU	nir	spi
GRC	pn	aom

Country	National Id	Tax Id
HRV	oib	oib
HUN	-	tin
IRL	ppsn	ppsn
ISL	tin	tin
ITA	cf	cf
LIE	-	peid
LTU	ak	ak
LUX	matricule	matricule
LVA	pk	pk
MLT	icn	tin
NLD	bsn	bsn
NOR	fn	fn
POL	pesel	pesel
PRT	-	nif
ROU	cnp	cnp
SVK	rc	rc
SVN	emso	tin
SWE	tin	tin

For customers with a Bridge custodial wallet, by December 31, 2026, at least one of the TIN object’s issuing_country must match residential_address.country (ISO 3166-1 alpha-3, e.g. DEU, FRA). For customers with a Bridge custodial wallet, if an individual has tax registrations with any tax authority outside the country they reside in, you need to provide tax information for each one of those countries. Code Sample

"residential_address": {
  "street_line_1": "15 Hauptstraße",
  "city": "München",
  "postal_code": "80331",
  "country": "DEU"
},
"identifying_information": [
  {
    "type": "steuer_id",
    "issuing_country": "DEU",
    "number": "12345678901"
  }
 "foreign_tax_registration": true,
]

POST | PUT /v0/customers — business

Live reference: Create a customer (business payload), Update a single customer object (business payload)

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

The following fields will be new or newly required for businesses that are incorporated in the EEA.

Requirement	New requirement (to be enforced in the Customer API starting June 15th)	Current state (no longer valid starting June 15th)	Sample code
Ownership document	Ownership document is required at the business level.	Ownership document can be skipped if an associated person who has control attests to the ownership structure (attested_ownership_structure_at).	Link
Business registration number and business tax ID number Tax ID Number due December 31st, 2026 (Bridge custodial wallet customers only)	Must collect both Business Registration Number and Business Tax Id Number. Refer to valid numbers by country below	Can collect Business Registration Number OR Business Tax ID Number	Link
Business registration number and incorporation country match	The issuing country of the business registration number must match the incorporation country.	-	Link
Business Tax ID country and incorporation country match Due December 31st, 2026 (Bridge custodial wallet customers only)	The issuing country of the business tax ID must match the incorporation country.	Business tax ID was required, but did not need to match the incorporation country.	Link
Foreign tax registration status Due December 31st, 2026 (Bridge custodial wallet customers only)	If a business has tax registrations with any tax authority outside the country they are registered for, tax registration information for each of those countries is required.	Collecting tax registration information for foreign tax registrations is not required.	Link
Business Registry	If Bridge is unable to verify the business with an automated registry check, both an evidence of good standing document and a business formation document are required.	Can collect Evidence/certificate of good standing OR a business formation document (i.e. Articles of Incorporation) if automated business registry verification is unsuccessful.	Link

Ownership document

"documents": [
  {
    "purposes": ["ownership_information"],
    "description": "Official ownership information for the business, including the legal owners and any documented stakeholders.",
    "file": "data:application/pdf;base64,..."
  }
]

Business registration number and business tax ID number

It is required to provide both a Business Registration Number and, for customers with a Bridge custodial wallet by December 31, 2026, a Business Tax Id Number.

"registered_address": {
  "street_line_1": "10 Rue du Quatre Septembre",
  "city": "Paris",
  "postal_code": "75002",
  "country": "FRA"
},
"identifying_information": [
  {
    "type": "siren",
    "issuing_country": "FRA",
    "number": "732829320"
  }
]

Supported Business registration and Tax Ids

Country	Business registration	Tax Id
AUT	fn	uid
BEL	bce, kbo	bce, kbo
BGR	uic	uic
CYP	crn	tin
CZE	ico	ico
DEU	crn	ust_idnr
DNK	cvr	cvr
ESP	cif	nif
EST	rc	rc
FIN	y_tunnus	y_tunnus
FRA	siren, siret	siren, siret
GRC	aom	gemi
HRV	oib	oib
HUN	crn	tin
IRL	cro	trn, chy, rcn

Country	Business registration	Tax Id
ISL	id	id
ITA	cf	cf, partita_iva
LIE	peid	peid
LTU	cc	cc
LUX	matricule	matricule
LVA	rn	rn
MLT	crn	vat
NLD	kvk	vat
NOR	org, orgnr	orgnr
POL	krs	nip
PRT	nipc	nif
ROU	cui	cui
SVK	ico	ico
SVN	ms	tin
SWE	org, orgnr	orgnr

Business registration number and tax ID country and incorporation country match

In this example, siren is valid as both a business registration number and tax identification number and the issuing_country matches the registered_address.country.

{
  "registered_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  },
  "identifying_information": [
    {
      "type": "siren",
      "issuing_country": "FRA",
      "number": "732829320"
    }
  ]
}

Business foreign tax registration status

If a business has tax registration outside its country of incorporation, provide tax registration information for each foreign country.

{
  "registered_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  },
  "identifying_information": [
    {
      "type": "siren",
      "issuing_country": "FRA",
      "number": "732829320"
    },
    {
      "type": "ein",
      "issuing_country": "USA",
      "number": "12-3456789"
    }
  ],
  "has_foreign_tax_registration": true
}

Business Registry

If Bridge is unable to verify the business with an automated registry check, you must provide both:

"documents": [
  {
    "purposes": ["evidence_of_good_standing"],
    "description": "Extrait K-bis / business registry excerpt, 2026-03-01",
    "file": "data:application/pdf;base64,..."
  },
  {
    "purposes": ["business_formation"],
    "description": "Articles of Incorporation",
    "file": "data:application/pdf;base64,..."
  }
]

`POST|PUT /v0/customers/{customerID}/associated_persons/{id}`

Live reference: Create a new associated person

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

The following fields will be new or newly required for Businesses or Legal Entity Customers, either EEA-incorporated or EEA-resident.

Requirement	New requirement (to be enforced starting June 15th for new customers; June 26th for existing customers)	Current state	Sample code
Complete director list	All associated persons are required to specify whether or not they are a director and provide full name and DOB.	Sending is_director field value is not required.	Link
KYC for additional associated members	Full KYC required on: all UBOs; at least one director; all authorized signers.	Full KYC required on all UBOs.	Link
Ownership % per UBO	Ownership % for each UBO with 25% or more ownership is required for high risk businesses.	Ownership % is not required.	Link
Letter of Authority (LOA)	Letter of Authority is required for all authorized signers who are not listed as a director, owner, or control person.	Letter of authority is not required.	Link

Complete director list

Every associated person is required to have a value for is_director and provide full name and DOB. Code Sample

"associated_persons": [
  {
    "first_name": "Jean",
    "last_name": "Martin",
    "email": "jean.martin@example.com",
    "birth_date": "1985-03-20",
    "is_director": true,
    "has_ownership": true,
    "has_control": true,
    "is_signer": true,
    "ownership_percentage": 40,
    "residential_address": {
      "street_line_1": "1 Avenue des Champs",
      "city": "Lyon",
      "postal_code": "69001",
      "country": "FRA"
    },
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "FRA",
        "number": "AB1234567",
        "image_front": "data:image/jpeg;base64,..."
      }
    ]
  }
]

KYC for additional associated members

Full KYC is now required on:

All UBOs
At least one director
All authorized signers

Minimal information (full legal name and DOB) is acceptable for any additional associated persons who are not control persons nor authorized signers. Full requirements: Associated Person requirements. Code Sample (relaxed additional director)

{
  "associated_persons": [
    {
      "first_name": "Marie",
      "last_name": "Lefebvre",
      "email": "marie.lefebvre@example.com",
      "birth_date": "1988-07-12",
      "is_director": true,
      "has_ownership": false,
      "has_control": false,
      "is_signer": false
    }
  ],
  "incorporation_address": {
    "street_line_1": "10 Rue du Quatre Septembre",
    "city": "Paris",
    "postal_code": "75002",
    "country": "FRA"
  }
}

Ownership percentage per UBO

For high risk businesses, when has_ownership is true, it is required to send ownership_percentage. Code Sample

"ownership_threshold": 25,
"associated_persons": [
  {
    "first_name": "Jean",
    "last_name": "Martin",
    "email": "jean.martin@example.com",
    "birth_date": "1985-03-20",
    "has_ownership": true,
    "ownership_percentage": 51,
    "has_control": true,
    "is_signer": false,
    "is_director": true,
    "residential_address": {
      "street_line_1": "1 Av. des Champs",
      "city": "Lyon",
      "postal_code": "69001",
      "country": "FRA"
    },
    "identifying_information": [
      {
        "type": "passport",
        "issuing_country": "FRA",
        "number": "AB1234567",
        "image_front": "data:image/jpeg;base64,..."
      }
    ]
  }
]

Letter of Authority (LOA)

A document with purpose proof_of_signatory_authority is now required for all authorized signers who are not listed as a director, owner, or control person. Code Sample

"associated_persons": [
  {
    "documents": [
      {
        "purposes": ["proof_of_signatory_authority"],
        "description": "LOA for signer jane.doe@example.com",
        "file": "data:application/pdf;base64,..."
      }
    ]
  }
]

Orchestration

Wallets

Issuance

Cards

Customers

Logistics

Additional information

EEA updated requirements

API requests in scope

POST | PUT /v0/customers — individual / associated persons

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Country of birth and city of birth

Nationalities

Account purpose

Identity verification

National Identification Number AND Tax ID Number (TIN)

TIN issuing country and country of residence match + tax residency (foreign registration)

POST | PUT /v0/customers — business

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Ownership document

Business registration number and business tax ID number

Business registration number and tax ID country and incorporation country match

Business foreign tax registration status

Business Registry

`POST|PUT /v0/customers/{customerID}/associated_persons/{id}`

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Complete director list

KYC for additional associated members

Ownership percentage per UBO

Letter of Authority (LOA)

​API requests in scope

​POST | PUT /v0/customers — individual / associated persons

​Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

​Country of birth and city of birth

​Nationalities

​Account purpose

​Identity verification

​National Identification Number AND Tax ID Number (TIN)

​TIN issuing country and country of residence match + tax residency (foreign registration)

​POST | PUT /v0/customers — business

​Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

​Ownership document

​Business registration number and business tax ID number

​Business registration number and tax ID country and incorporation country match

​Business foreign tax registration status

​Business Registry

​POST|PUT /v0/customers/{customerID}/associated_persons/{id}

​Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

​Complete director list

​KYC for additional associated members

​Ownership percentage per UBO

​Letter of Authority (LOA)

API requests in scope

POST | PUT /v0/customers — individual / associated persons

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Country of birth and city of birth

Nationalities

Account purpose

Identity verification

National Identification Number AND Tax ID Number (TIN)

TIN issuing country and country of residence match + tax residency (foreign registration)

POST | PUT /v0/customers — business

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Ownership document

Business registration number and business tax ID number

Business registration number and tax ID country and incorporation country match

Business foreign tax registration status

Business Registry

`POST|PUT /v0/customers/{customerID}/associated_persons/{id}`

Summary of changes (to be enforced starting June 15th for new customers; required for existing customers by June 26th)

Complete director list

KYC for additional associated members

Ownership percentage per UBO

Letter of Authority (LOA)