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.

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

‘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
  • This includes housing or council tax benefit, tax credit, and pension, educational or other grant
Firearms certificate
  • Must be current

‘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
  • Must be from the account you provided during your application
  • 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
  • Must show to your current address
  • 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

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

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.

We treat customers as individuals even on a joint application, so we need to confirm the identity and address of both parties.

A ‘certified copy’ is a photocopy of the original document which has been signed, stamped and dated by an independent professional - for example a doctor, solicitor, notary, accountant, independent financial advisor or post office/bank branch official. They’ll also need to print their name in full and provide their business contact details. This will allow us to contact and verify the certifier as part of our checks. You may be charged for this service.

When we get these, we’ll record the information and return any originals or certified copies to you.

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

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.

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.

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