Why do I need to give my tax ID if I live in the EU?
EU tax rules (the DAC8 directive) require the regulated partner that processes your bank transfers to collect a tax identification number (TIN) from every customer who lives in the EU, together with the country that issued it. This applies to everyone, whatever your balance or how often you use Moneda.
Which number to give Use the personal tax number issued by your country of tax residence. In the app, the field shows the name your country uses for it. Some examples:
- Germany: Steuerliche Identifikationsnummer (IdNr), 11 digits
- France: Numéro fiscal de référence (SPI), 13 digits
- Spain: DNI or NIE
- Italy: Codice fiscale
- Netherlands: BSN (Burgerservicenummer)
- Portugal: Número de Identificação Fiscal (NIF)
- Poland: PESEL
- Austria: Steuernummer
Where to find it It is usually printed on your tax assessment, your tax return or your payslip. In some countries (for example Spain, Italy, the Netherlands or Belgium) it is also on your national ID card.
Deadlines
- New customers in the EU: asked for it during verification from 1 October 2026, and required from 31 October 2026.
- Existing customers in the EU: please add it by 31 December 2026.
- From 1 January 2027, EU customers without a tax ID on file cannot make transfers, and incoming bank deposits may be held until it is added.
What changes in the app Until your tax ID is on file, sending money to a bank account is paused. When you try, Moneda asks for your tax ID first. It takes under a minute, and you can send right after.
How to add it
In the Moneda app, go to Settings > Features and limits and tap Add tax ID. You are also asked for it when you send money to one of your bank accounts. Pick the country that issued your number, enter it as it appears on your documents, and tap Continue. We check the format and check digits as you type, so a typo is caught before it is saved.
Your tax ID is only shared for tax reporting required by law.
