Identity | Credit Card | Sainsbury's Bank

Why do you check my identity?

When you apply for any banking product, the provider is required to verify your identity if they don’t know you already. This is to comply with Anti-Money Laundering regulations, protecting you from fraud and preventing financial crime.

How do you confirm my identity and/or address?

We use a list of acceptable documents to confirm your identity and address. ‘List A’ confirms your identity and ‘List B’ confirms your address.

What is List A?

‘List A’ is documentation which enables us to confirm your identity and is shown below, with requirements noted alongside

Please note we can’t use the same document to meet a List A and List B requirement

List A

Document	Notes
Passport * CERTIFIED COPIES ONLY	Must be current Must be the photo page
UK or EEA photo-card driving licence * CERTIFIED COPIES ONLY	Must be valid and current We need to see the front and back of the licence and it must show your current address
UK paper driving licence * CERTIFIED COPIES ONLY	Must be valid and current We can’t accept the counterpart of a photo-card licence, only old style paper licences which are still valid
UK photo-card provisional driving licence * CERTIFIED COPIES ONLY	Must be valid and current
HMRC tax notification	Must have been issued in the last three months We can’t accept a P2 or P45 or P60 certificate
Evidence of entitlement to a state or local authority funded benefit	Must have been issued in the last three months or twelve months if you receive an annual letter This includes housing or council tax benefit, tax credit, and pension, educational or other grant
Firearms certificate * CERTIFIED COPIES ONLY	Must be current

What is List B?

‘List B’ is documentation which enables us to confirm your current address and is shown below, with requirements noted alongside

List B

Document	Notes
Bank/building society statement	The account must still be open Must be a complete statement dated within the last three months or six months if you receive half yearly/yearly statements We’ll accept statements printed from your Internet Banking as long as they provide your name, address, sort code, account number, transactional information and are dated within the last three months We can’t accept Sainsbury’s bank account or credit card statements We can’t accept business accounts
UK or EEA photo-card driving licence * CERTIFIED COPIES ONLY	Must be valid and current We need to see the front and back of the licence and it must show your current address
UK paper driving licence * CERTIFIED COPIES ONLY	Must be valid and current We can’t accept the counterpart of a photo-card licence, only old style paper licences which are still valid
UK photo-card provisional driving licence * CERTIFIED COPIES ONLY	Must be valid and current
Council tax notification	Must be less than twelve months old Must relate to your current address
Utility bill	Must be dated within the last three months or twelve months if an annual bill. Any bill sent to us must show your full name and address We can accept gas, electricity and water bills We’ll accept utility bills printed from the Internet as long as they are dated within the last three months We can’t accept a mobile phone bill but we’ll accept telephone landline or broadband bills but they must be dated within the last three months
Mortgage statement	Must be dated within the last twelve months We’ll accept statements printed from your Internet Banking as long as they provide your name, address and transactional information
Credit card statement	Must be dated within the last three months We can’t accept Sainsbury’s Bank credit card statements Must show to your current address We’ll accept statements printed from your Internet Banking as long as they provide your name, address, transactional information and are dated within the last three months

What if I don't have anything from 'List A' or 'List B'?

If you don’t have any of the documents shown in List A and/or List B, please Contact Us to discuss your application.

I’ve been asked to send a Bank statement in addition to an item from List B. Will a single bank statement satisfy both requirements?

If we’ve asked you to provide items from List B and a Bank statement, a single Bank statement will satisfy both List B and Bank Statement requirements.

Please note that any Bank / Building Society Statements must show the sort code, account number and transactional information as well as your name and address and be from the account whose details you provided during your application.

What is a certified copy?

A ‘certified copy’ is a photocopy of the original document which has been signed, stamped and dated by an independent professional. They should also print their name in full and provide their business contact details. This will allow us to contact and verify the certified as part of our checks. You may be charged for this service.

We’ll record the information we need, then return any documents marked with an * in the List A or B above. If you need any other items returned, please let us know by including a covering note with your documents.

Who can certify my documents?

• Post Office
• Accountant
• Bank / Branch Official
• Serving Police Officer (The collar number should be obtained)
• Solicitor/Lawyer/Notary
• Local Councillor
• Doctor (Medical)
• Chartered Surveyor
• Teacher
• Authorised Financial Intermediary e.g. an Independent Financial Advisor or an Authorised Mortgage Intermediary

How do I certify my documents?

Take the photocopied document and the original and ask the person to certify the copy by writing ‘Certified to be a true copy of the original’. (The Post Office have a standard form which states “this copy is a true likeness of the original”). Note: If you’re sending us a certified copy of a photo-card driving licence we need to see both the front and back.

The certifier will need to print their name in full, sign and date it and provide their business contact details and company stamp.

Will it cost me to have a document certified?

Some certifiers may charge for this service. Please check with the relevant person or company that is certifying your document(s) to understand any charges.

Can I send documents printed from the internet?

We can accept certain documents printed from the internet but they must be dated within the last three months and meet the following requirements:

Mortgage / credit card statements (except Sainsbury’s Bank credit card statements) which must show your current address
Bank / Building Society Statements which must show the sort code, account number and transactional, or summary transactional, information as well as your name and address
Utility bills e.g. gas, electricity, water. We can’t accept a mobile phone bill but we’ll accept telephone landline or broadband bills

Returning your Credit Card paperwork