Identification Criteria

When you apply for a mortgage, savings account, third party access or advise a change to your personal details with the Society, we are required to verify your identity and address to comply with Money Laundering Regulations. All financial service providers comply with the regulations to make it harder for criminals to use stolen identities and hide proceeds of crime.

The Society uses an electronic verification search with its credit reference agency to confirm your identity and address; if this is successful we will confirm the search with you. This search does not affect your credit rating. In certain situations (where you are under 18 years of age, where you are not on the electoral roll, where inconsistencies are identified or you have recently moved house) the search may fail, if this applies to you we will request additional paper documents as set out in the table overleaf. The Society’s Privacy Notice details how we use your data, copies of the policy are available on request, or alternatively can be viewed here. Where applicable, you are required to provide two paper documents, one from List A – verification of your identity, plus one from List B -verification of your name and residential address.

All documents produced must be current, within the date accepted and state your full name and current residential address. The same document cannot be used to verify both your identity and address. If you are under 18 years of age we require one document from List C to verify your name plus one from List B to verify your residential address in your parent/guardian’s name.

If you move address within the UK we require one document from List B to verify your new address. If you change your name we require one document from List D to verify your new name. Please note: Original current documents are the preferred format; printed documents from the Internet are not acceptable. Certified copy documents may be accepted and must adhere to the criteria for certified documents set out below in all instances.

Certified documents criteria; Copies of your original documents are only accepted certified from the following professions;

Solicitor

  • Local Government Officer
  • Police Officer
  • Chartered Accountant
  • Principal of higher education establishment
  • Bank/Building Society Manager
  • Financial Services Intermediaries The certified document must quote – ‘I certify that I have seen the original document’. The certifier must sign and print their full name, note their profession, company address, phone number and dated less than 3 months old. The certifier must not be named as an account holder. Please note certified documents will be retained by the Society.
List A – Verification of your identity
  • Passport (UK or foreign)
  • UK Blue Badge parking permit
  • UK photo-card driving license
  • DWP pension/state benefit entitlement (current year)
  • UK full old style paper driving licence
  • HMRC tax notification (current year)

 

List B – Verification of name & address
  • Utilities bill (less than 3 months old)
  • Bank/building society statement (less than 3 months old)
  • Council tax bill (current year)
  • Local council tenancy agreement
  • UK photo-card driving licence
  • Solicitors letter confirming recent house purchase
  • UK Full old style paper driving licence
  • Proof of parents/guardians address (U18’s only)
  • Care Home residence verification – signed by appropriate authority
  • DWP pension/state benefit entitlement letter (current year)

 

List C – Under 18 years of age (plus where applicable parents proof of address)
  • Passport (UK or foreign)
  • Birth certificate
  • UK photo-card driving licence
  • NHS medical card
  • Young persons rail/travel photo card
  • Child Benefit/Tax Credit entitlement document

 

List D – Change of name
  • Marriage/civil partnership certificate
  • Official deed poll
  • Decree Absolute
  • Statutory declaration
  • Dissolution order
  • Birth certificate