Verificación del beneficiario » Verificación del beneficiario (VoP)

¿Qué es la «verificación del beneficiario» (VoP)?

La verificación del beneficiario (VoP) es un nuevo requisito que se ha introducido como parte del Reglamento de pagos instantáneos de la Unión Europea (UE), que entrará en vigor el 9 de octubre de 2025. El objetivo de este reglamento es generar confianza y reducir el fraude, especialmente para las transacciones digitales y de alta velocidad. La VoP corroborará que, para cualquier instrucción de ejecución de un pago, el número de cuenta bancaria (IBAN) coincide con el nombre del beneficiario antes de que dicha instrucción se procese.

Volver a las preguntas frecuentes

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}.wp-block-search__button{margin-left:10px;word-break:normal;}.wp-block-search__button.has-icon{line-height:0;}.wp-block-search__button svg{height:1.25em;min-height:24px;min-width:24px;width:1.25em;fill:currentColor;vertical-align:text-bottom;}:where(.wp-block-search__button){border:1px solid #ccc;padding:6px 10px;}.wp-block-search__inside-wrapper{display:flex;flex:auto;flex-wrap:nowrap;max-width:100%;}.wp-block-search__label{width:100%;}.wp-block-search__input{appearance:none;border:1px solid #949494;flex-grow:1;margin-left:0;margin-right:0;min-width:3rem;padding:8px;text-decoration:unset !important;}.wp-block-search.wp-block-search__button-only .wp-block-search__button{box-sizing:border-box;display:flex;flex-shrink:0;justify-content:center;margin-left:0;max-width:100%;}.wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{min-width:0 !important;transition-property:width;}.wp-block-search.wp-block-search__button-only .wp-block-search__input{flex-basis:100%;transition-duration:.3s;}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden,.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__inside-wrapper{overflow:hidden;}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__input{border-left-width:0 !important;border-right-width:0 !important;flex-basis:0;flex-grow:0;margin:0;min-width:0 !important;padding-left:0 !important;padding-right:0 !important;width:0 !important;}:where(.wp-block-search__input){font-family:inherit;font-size:inherit;font-style:inherit;font-weight:inherit;letter-spacing:inherit;line-height:inherit;text-transform:inherit;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper){border:1px solid #949494;box-sizing:border-box;padding:4px;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input{border:none;border-radius:0;padding:0 4px;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input:focus{outline:none;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) :where(.wp-block-search__button){padding:4px 8px;}.wp-block-search.aligncenter .wp-block-search__inside-wrapper{margin:auto;}.wp-block[data-align=right] .wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{float:right;}.wp-block-search .wp-block-search__label{font-weight:700;}.wp-block-search__button{border:1px solid #ccc;padding:.375em .625em;}@charset "UTF-8";.wp-block-separator{border:none;border-top:2px solid;}:root :where(.wp-block-separator.is-style-dots){height:auto;line-height:1;text-align:center;}:root :where(.wp-block-separator.is-style-dots):before{color:currentColor;content:"···";font-family:serif;font-size:1.5em;letter-spacing:2em;padding-left:2em;}.wp-block-separator.is-style-dots{background:none !important;border:none !important;}.wp-block-separator.has-css-opacity{opacity:.4;}.wp-block-separator{border:none;border-bottom:2px solid;margin-left:auto;margin-right:auto;}.wp-block-separator.has-alpha-channel-opacity{opacity:1;}.wp-block-separator:not(.is-style-wide):not(.is-style-dots){width:100px;}.wp-block-separator.has-background:not(.is-style-dots){border-bottom:none;height:1px;}.wp-block-separator.has-background:not(.is-style-wide):not(.is-style-dots){height:2px;}:root :where(.wp-block-template-part.has-background){margin-bottom:0;margin-top:0;padding:1.25em 2.375em;}.wp-block-post-terms{box-sizing:border-box;}.wp-block-post-terms .wp-block-post-terms__separator{white-space:pre-wrap;}.wp-block-post-title{box-sizing:border-box;word-break:break-word;}.wp-block-post-title :where(a){display:inline-block;font-family:inherit;font-size:inherit;font-style:inherit;font-weight:inherit;letter-spacing:inherit;line-height:inherit;text-decoration:inherit;}.is-small-text{font-size:.875em;}.is-regular-text{font-size:1em;}.is-large-text{font-size:2.25em;}.is-larger-text{font-size:3em;}.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;font-style:normal;font-weight:100;line-height:.68;margin:.05em .1em 0 0;text-transform:uppercase;}body.rtl .has-drop-cap:not(:focus):first-letter{float:none;margin-left:.1em;}p.has-drop-cap.has-background{overflow:hidden;}:root :where(p.has-background){padding:1.25em 2.375em;}:where(p.has-text-color:not(.has-link-color)) a{color:inherit;}p.has-text-align-left[style*="writing-mode:vertical-lr"],p.has-text-align-right[style*="writing-mode:vertical-rl"]{rotate:180deg;}:where(.wp-block-post-excerpt){box-sizing:border-box;margin-bottom:var(--wp--style--block-gap);margin-top:var(--wp--style--block-gap);}.wp-block-post-excerpt__excerpt{margin-bottom:0;margin-top:0;}.wp-block-post-excerpt__more-text{margin-bottom:0;margin-top:var(--wp--style--block-gap);}.wp-block-post-excerpt__more-link{display:inline-block;}.wp-block-post-date{box-sizing:border-box;}.wp-block-post-content{display:flow-root;}h1.has-background,h2.has-background,h3.has-background,h4.has-background,h5.has-background,h6.has-background{padding:1.25em 2.375em;}h1.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h1.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h2.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h2.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h3.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h3.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h4.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h4.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h5.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h5.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h6.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h6.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]){rotate:180deg;}.wp-block-spacer{clear:both;}.wp-block-group{box-sizing:border-box;}:where(.wp-block-group.wp-block-group-is-layout-constrained){position:relative;}:where(.wp-block-group.has-background){padding:1.25em 2.375em;}.wp-block-post-featured-image{margin-left:0;margin-right:0;}.wp-block-post-featured-image a{display:block;height:100%;}.wp-block-post-featured-image :where(img){box-sizing:border-box;height:auto;max-width:100%;vertical-align:bottom;width:100%;}.wp-block-post-featured-image.alignfull img,.wp-block-post-featured-image.alignwide img{width:100%;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim{background-color:#000;inset:0;position:absolute;}.wp-block-post-featured-image{position:relative;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-gradient{background-color:initial;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-0{opacity:0;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-10{opacity:.1;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-20{opacity:.2;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-30{opacity:.3;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-40{opacity:.4;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-50{opacity:.5;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-60{opacity:.6;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-70{opacity:.7;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-80{opacity:.8;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-90{opacity:.9;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-100{opacity:1;}.wp-block-post-featured-image:where(.alignleft,.alignright){width:100%;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}:root{--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,161;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px;--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color);}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px;}}.wp-element-button{cursor:pointer;}:root{--wp--preset--font-size--normal:16px;--wp--preset--font-size--huge:42px;}:root .has-very-light-gray-background-color{background-color:#eee;}:root .has-very-dark-gray-background-color{background-color:#313131;}:root .has-very-light-gray-color{color:#eee;}:root .has-very-dark-gray-color{color:#313131;}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3);}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe);}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec);}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671);}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59);}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf);}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc);}.has-regular-font-size{font-size:1em;}.has-larger-font-size{font-size:2.625em;}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal);}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge);}.has-text-align-center{text-align:center;}.has-text-align-left{text-align:left;}.has-text-align-right{text-align:right;}#end-resizable-editor-section{display:none;}.aligncenter{clear:both;}.items-justified-left{justify-content:flex-start;}.items-justified-center{justify-content:center;}.items-justified-right{justify-content:flex-end;}.items-justified-space-between{justify-content:space-between;}.screen-reader-text{border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-wrap:normal !important;}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000;}html :where(.has-border-color){border-style:solid;}html :where([style*=border-top-color]){border-top-style:solid;}html :where([style*=border-right-color]){border-right-style:solid;}html :where([style*=border-bottom-color]){border-bottom-style:solid;}html :where([style*=border-left-color]){border-left-style:solid;}html :where([style*=border-width]){border-style:solid;}html :where([style*=border-top-width]){border-top-style:solid;}html :where([style*=border-right-width]){border-right-style:solid;}html :where([style*=border-bottom-width]){border-bottom-style:solid;}html :where([style*=border-left-width]){border-left-style:solid;}html :where(img[class*=wp-image-]){height:auto;max-width:100%;}:where(figure){margin:0 0 1em;}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px);}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px;}}.wp-container-core-group-is-layout-f167db9a{flex-wrap:nowrap;gap:5px;justify-content:center;align-items:flex-end;}.skip-link.screen-reader-text{border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute !important;width:1px;word-wrap:normal !important;}.skip-link.screen-reader-text:focus{background-color:#eee;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000;}@media (min-width:0){.block-8ef65fd5-8798-4675-a080-aa7b4e244c03{padding-bottom:50px;}.block-6ed209a9-3e64-476c-87c3-7c9918b2916a{padding-top:40px;padding-bottom:40px;}.block-ff998907-e7cd-4ebb-9f96-80e38da7257d{padding-top:20px;}.block-4a958cfd-0ae1-40b2-8b12-c62f4ebbd0cf{padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;}.block-4a958cfd-0ae1-40b2-8b12-c62f4ebbd0cf{padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;}}@media (min-width:992px){.block-8ef65fd5-8798-4675-a080-aa7b4e244c03{padding-top:40px;padding-bottom:40px;}.block-ff998907-e7cd-4ebb-9f96-80e38da7257d{padding-top:0;padding-right:0;padding-bottom:20px;padding-left:0;}}.wp-block-table table{margin:0 !important;}.wp-block-table table td:first-child,table th:first-child{padding-left:.5rem;}