Banking UI Kit — EU Verification of Payee Screens (Figma)

For designers of bank, neobank and fintech transfer screens in the EU. Type the payee name your customer entered and the name on the account — see which of the four payee check states your screen has to show, and since when.

Full version — $168 once · get all 8 components, 29 variants

One payment, not a subscription. The result above is yours for free, as often as you like.

What the free check is — and is not

The Instant Payments Regulation (EU) 2024/886 makes the payer's bank compare the payee name with the IBAN before the payer authorises a credit transfer, and report one of four results: match, close match (showing the account holder's name), no match or check not possible. It does not prescribe a matching algorithm — each bank sets its own. The rules on this page are illustrative: case, accents and punctuation are ignored (match); a missing legal form, a changed word order, a missing or extra name part or a small typo count as close match; anything else is no match; an empty account name means the check was not possible. Use it to see every state on your screen, not to replace your bank's engine.

Free: the payee check result alert, 4 variants

Match (MTCH) · Close match (CMTC) · No match (NMTC) · Not possible (NOAP) — as a Figma plugin, SVGs and a .sketch. That is the whole Verification of Payee result on your transfer screen.

Full kit: the screens around the alert

Payee check result · 4IBAN & payee name input · 4Transfer action button · 4Transfer summary card · 4Payment status badge · 4Send-anyway risk checkbox · 3Payee check progress · 3Bulk-file opt-out toggle · 3

8 components, 29 variants, 29 SVGs, one .sketch and the plugin source. Once the alert is on screen you need the input that triggers the check, the wait while the payee's bank answers, the confirmation before "Send anyway", the status of the payment and — for business customers who submit bulk files — the opt-out switch.

Why not a free kit? Free Figma Community banking UI kits draw balances, cards and charts but no payee name check, and a chatbot will not draw you component variants.

Yardstick: rival banking UI kits on this shelf list at up to $168 (our shelf measurement, 2026) without the payee check states.

How to get it into Figma

  1. In Figma, drag the .sketch file onto the file browser to open it. It holds the variants as named, coloured shapes without text layers.
  2. Copy an SVG and paste it into a frame — it comes in as vectors with its label.
  3. Plugin: it ships as TypeScript source (code.ts). Run tsc to get code.js, then import manifest.json as a development plugin; it rebuilds the components as real variant sets with text.
  4. Replace #0B6E4F with your brand colour in Selection colors.
Menu names differ by Figma version and UI language. Some component structure is simplified in the .sketch. Sketch users open the same file.

Get the full version $168

8 components, 29 variants for the transfer screen that must show the payee name check: match, close match, no match, check not possible. Euro-area banks since 2025-10-09, the other EU states

One payment, one licence key for this tool. The key is shown right after payment.

Regulation (EU) 2024/886 (Instant Payments Regulation) inserted Art. 5c into Regulation (EU) 260/2012: before a payer authorises a credit transfer, the payer's PSP must check the payee name against the IBAN and report match, close

Buy the full version — $168

· ReadyStack

Worked example

Real numbers from this tool, line by line.

Banking UI Kit: the Verification of Payee screens your transfer flow now needs

Close match shows Anna Schmidt. That is the finished screen for one transfer: the payer typed "Anna Schmitt", the IBAN DE89 3704 0044 0532 0130 00 belongs to Anna Schmidt, and the bank must say so before the payer authorises.

Payer typesAccount holderResult the kit drawsButton the kit draws
Anna SchmittAnna SchmidtClose match · the account holder is Anna SchmidtUse Anna Schmidt
Schmidt Consulting GmbHAnna SchmidtNo match · the money may go to an account not held by this payeeSend anyway
Anna Schmidtno answerPayee check not possibleSend anyway

The rule

Regulation (EU) 2024/886, the Instant Payments Regulation, amended the SEPA Regulation 260/2012. Before a payer authorises a credit transfer, the payer's bank checks the payee name against the IBAN. There are four outcomes. A match needs no extra screen. A close match shows the payer the name of the account holder. A no match warns that authorising may send the money to an account not held by the payee the payer named. If the check cannot be done, the payer is told that too.

The dates depend on the country of the bank. Euro-area banks have had to offer the check since 9 October 2025. Banks in EU countries outside the euro, such as Poland, Sweden, Czechia, Hungary, Romania and Denmark, must offer it from 9 July 2027.

Consumers cannot switch the check off. Business users may opt out only when they submit payment orders as a package, a bulk file, and they can opt back in.

Three situations, three different screens

  1. A German bank, typed name "Anna Schmitt", account holder "Anna Schmidt": close match. The alert names Anna Schmidt and offers a "Use Anna Schmidt" button.
  2. Same IBAN, typed "Schmidt Consulting GmbH": no match. The warning goes red and "Send anyway" sits next to "Edit payee".
  3. A Polish bank with a 28-character IBAN: the same four states, required from 9 July 2027 instead of 9 October 2025.

Change one input and the screen changes.

Try it on your own names

The free preview on the product page runs in your browser. Pick the country of the payer's bank from 20 EU countries, paste an IBAN, type a payee name and the account holder name. It checks IBAN length and check digits, then switches state. The name comparison there is a demo rule. Each bank sets its own matching rule; the kit draws the screens.

What is in the kit

8 components, 29 variants, delivered as a Figma plugin, a .sketch file and one SVG per variant.

Free, 8 variants: the IBAN and payee name field (empty, valid, error, payee name) and the Verification of Payee result (match, close match, no match, check not possible). That is the whole check step.

Full kit, 21 more variants: transfer buttons (send, use the holder's name, send anyway, disabled), transfer status (instant within 10 seconds, pending, completed, rejected), the review card, the business opt-out toggle, a three-step progress bar and payee chips.

Six color tokens carry the whole kit. Set primary, onPrimary, surface, text, danger and warning to your bank's HEX codes and every variant follows.

Getting it into Figma

Drag the .sketch file onto the Figma file browser, paste single SVGs as vectors, or import the plugin from manifest.json to rebuild the labelled variant sets. Part of the component structure is simplified in the .sketch.

This is a design file, not a payee-check service and not legal advice. Agree the wording with your compliance team.

15 seconds — what it actually does

Questions people ask

What does this banking UI kit contain?

Eight Figma components for the EU Verification of Payee transfer flow, 29 variants in total: Payee check result (4), IBAN & payee name input (4), Transfer action button (4), Transfer summary card (4), Payment status badge (4), Send-anyway risk checkbox (3), Payee check progress (3) and Bulk-file opt-out toggle (3). They ship as a Figma plugin, 29 SVGs and one .sketch file.

Who is it for?

Product designers at banks, neobanks, payment institutions and fintechs whose app sends SEPA credit transfers. Regulation (EU) 2024/886 makes the payer's bank check the payee name against the IBAN before the payer authorises the transfer: euro-area banks since 9 October 2025, banks in the non-euro EU states from 9 July 2027. Sketch users open the same file.

Why not use a free Figma Community banking UI kit?

Free banking UI kits draw balances, cards and charts, but none we know of ships the payee name check with its four states, the close-match name display or the send-anyway confirmation. A chatbot cannot draw component variants for you. This kit ships those states as real Figma variants, so you restyle them in one step instead of drawing them.

What is free?

The payee check result alert with 4 variants (Match, Close match, No match, Check not possible) as plugin, SVG and .sketch, plus the web checker: type the name your customer entered, the name on the account and your country, and it shows the state and the date the rule applies to you. The paid kit adds the input, buttons, confirmation and status screens around it.

What does getting this wrong cost?

After a no match, the payer is told that sending may move the money to an account not held by the payee they named. A customer who sends a €4,850 invoice anyway carries that risk. If the bank never ran the check, Regulation (EU) 2024/886 puts the loss on the bank instead. The full kit is a single payment, not a subscription.

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