Document type Country

In DD policy Governmental Bill – tax document or council tax Any

Utility Bill (Gas/Electicity/Water/Television/Cable Any
service/Internet/Telephone-home Landline)
Any client statement issued by an FCA authorised financial services Any
firm
Padron –(Certificado de Empadronamiento) Spain
NIE (green copy) issued by the Local Police department certifying Spain
registration in Spain
Spain
White NIE (“Ministerio Del Interior”)
Rental agreement Any

copy of employment contract and verification on company headed paper Any

Swedish Tax document Sweden

Address verification letter CD regional
branch

Tax/rates bill which has been issued by the local municipality in SA South Africa

Credit Card Statement Any

Residency card (Bahrain) Bahrain

Driving licence *Any

Not in DD policy Vehicle Registration certificate UK-AUS-NZ-

doc but USA
accepted
Vehicle Registration renewal notice UK-AUS-NZ-
USA
Electoral Register entry UK
Mortgage Statement (& Home Insurance) Any
Bank, Building Society or Credit Union statement or passbook Any
P60's UK

Property purchase agreement for the new Property Any

Solicitors letter confirming recent house purchase or land registry Any

confirmation of address

Letter from the relevant benefits agency confirming the right to benefits Any
or state pension
University admissions letter that shows the applicant is an in-state resident Any

Social Security benefits letter USA

Driver’s License Renewal form
Letter from Bank confirming account opening or client's address Any
confirmation of address

Letter from the relevant benefits agency confirming the right to benefits Any
or state pension
University admissions letter that shows the applicant is an in-state resident Any

Social Security benefits letter USA

Driver’s License Renewal form
Letter from Bank confirming account opening or client's address Any

Residence Card Any

National ID Card Any
 Country Acceptance Criteria - Validity

Any Current year

Any Not older than 3 months

services Any Not older than 3 months

Spain Not older than 3 months

tifying Spain N/a

Spain N/a

Any Valid agreement

eaded paper Any Most Recent & not older than 3

months
Sweden Current year
CD regional Most Recent
branch

ty in SA South Africa Not older than 3 months as

are issued every month in SA
Any Not older than 3 months
Bahrain

*Any

UK-AUS-NZ- Valid certficiate

USA

UK-AUS-NZ- Not older than 3 months

USA
UK Not older than 3 months
Any Not older than 3 months
ok Any Not older than 3 months
UK lastest with previous year's full
data for salary & tax paid
Any Recent

egistry Any recent & not older than 3

months

to benefits Any Not older than 3 months

n-state resident Any recent & not older than 3

months
USA Not older than 3 months
Not older than 3 months
ress Any most recent (if account
 months

to benefits Any Not older than 3 months

n-state resident Any recent & not older than 3

months
USA Not older than 3 months
Not older than 3 months
ress Any most recent (if account
opening letter) & not older
than 3 months

Any Valid card

Any Valid Card
 Not Acceptable Documents as POA
1 Mobile telephone bills (as they can be sent to different addresses).
2 Bills / Statements printed from the internet as their integrity cannot be guaranteed
3 Statements from store cards/catalogue companies cannot be used as proof of address
4 An old-style provisional driving licence.
5 Personal correspondence as proof of address
6 *Handwritten letters as proof of address.
7 *A termination notice from a utility company cannot be used as a proof of residency document.
8 P45's & P46's
9 Receipts or invoices
10 Proof of address in a word format as these can be easily forged (however must ensure to check if it is a s
11 Medical bills or letters
12 Vehicle Insurance
13 Health Insurance
14 Vehicle Insurance certificate
15 Vehicle Insurance renewal notice or payment bill
16 Job Centreplus Letters - from Govt regarding National Insurance Number
17 Temporary Travel Certificates
18 Birth or Marriage Certificate
Note * Where necessary you must always seek guidance & advice on due diligence in case you are doubtful w
teed
of address

dency document.

st ensure to check if it is a scan of the document pasted on a word file which is ok to accept)

e in case you are doubtful whether you can accept a document or not
 What documents can be requested in below scenarios when
Scenario
Living with a Friend or Family
1 address. With ID proof of friend/Family & ou
Living in a hotel
2 client's own bank account ? Account must b
Living in company provided accomodation
3 of client's ID
Living in rental property but no agreement since property
4 is owned by client's friend/family so no agreement was
ever signed?
Rental agreement copy received but not signed by
5 landlord and landlord not available to sign a return a
copy
Has no POA or address at all since just sold the
6 property & emigrated to a new country
Has only onlines bills/statements
7
Does not have a Valid ID proof since is very old and not
looking to renew any as wont be travelling
8
POA in foreign language
9
POA not under client's name but only under husband's
10 name or wife's name
Rental agreement & utility all under company name
11 since accomodation provided by company
Passport just expired and has been sent for renewal
and no other ID proof available
12
IP of a HRC country - however living & trading in Non
13 HRC and returning back in sometime
IP of a different NON HRC country - on a
14
Docum
POA under friend's/familys name with a lette
bank account ?
Client ID with proof confirming stay in the ho
Employment contract with letter from emplo
POA under friend's/familys name with a lette
address. With ID proof of friend/Family & ou
bank account ?
Client ID with copy of proof of property sale a
bank account ? Account must be placed on
request any proof supporting his stay in a h
Request for Driving License (if under Regis
agreement.
1) Original birth certificate (UK birth certifica
including those issued by UK authorities ov
Forces). 2) original notification letter from th
state pension. *****letter from old age hom
For documents in Chinese (fwd to UK for tra
our regional staff to translate if unable to tra
translation in english before accepting the d
Should insist on any POA to show client's n
support the POA provided under spouse na
Employment contract with letter from emplo
of client's ID
Request for DL or National ID Card. If not av
copy. Account should be placed on monitori
whether funds are from & to client's own ba
reconfirm countries of transfer & whether fu
client is overseas ? Once recd with DD docs
UK for approval before activation - only if HR
register if KYC is verified under the resident
 and no other ID proof available
12
IP of a HRC country - however living & trading in Non
13 HRC and returning back in sometime
IP of a different NON HRC country - on a
14 business/Holiday trip for couple of weeks/months
Living in a banned country - however transaction is
15
between HRC or NON HRC country
Client provided PO BOX address & no Physical address
16 at all on any POA
Client providing photo DL as ID proof & vehicle
17
registration/Insurance for POA
Bank statements stamped from the bank or collected
18
physically from banks
Bank statements required to confirm source of funds
19
only (& not as a POA)
copy. Account should be placed on monitori
whether funds are from & to client's own ba
reconfirm countries of transfer & whether fu
client is overseas ? Once recd with DD docs
UK for approval before activation - only if HR
register if KYC is verified under the resident
months
Request EDD and fwd to UK once received
Spain - request for Padron or NIE (usualy co
agreement usualy confirms physical addres
accomomdation address. Other countries-
Request for either alternative ID or POA othe
Usually accepted by UK
Online statement or screen shots with trans
d in below scenarios when client is ?
Documents to be requested
d's/familys name with a letter from friend/family confirming that client resides at the same
D proof of friend/Family & our client. Information whether funds are from & to client's own

oof confirming stay in the hotel/hotel invoice. Information whether funds are from & to
k account ? Account must be placed on monitoring until POA for the new add is received.

ntract with letter from employer confirming address on letter company letter head & a copy

d's/familys name with a letter from friend/family confirming that client resides at the same
D proof of friend/Family & our client. Information whether funds are from & to client's own

py of proof of property sale agreement, info whether funds will be from & to client's own
Account must be placed on monitoring until receipt of POA for the new property. Must
of supporting his stay in a hotel or family etc overseas.
ving License (if under Registered address) or council/govt tax statements/ rental

certificate (UK birth certificate issued within 12 months of the date of birth in full form
issued by UK authorities overseas such as Embassies High Commissions and HM
nal notification letter from the relevant benefits agency confirming the right to benefits or
****letter from old age home

in Chinese (fwd to UK for translation), French, Greek,Spanish - can be forwared to one of

ff to translate if unable to translate through google. For Others - Request certified
glish before accepting the document.

n any POA to show client's name (if possible), Copy of client's marriage certificate to
A provided under spouse name.

ntract with letter from employer confirming address on letter company letter head & a copy

or National ID Card. If not available then passport renewal letter with the expired passport
hould be placed on monitoring to track receipt of renewed passport copy. Information
re from & to client's own bank account ? Documents must be fwd to UK for approval

ries of transfer & whether funds will be from & to client's own bank account ? Reason
as ? Once recd with DD docs under client's registered address (if KYC is failed) - fwd to
before activation - only if HRC is involved
s verified under the residential address unless client living overseas for more than 3-4
hould be placed on monitoring to track receipt of renewed passport copy. Information
re from & to client's own bank account ? Documents must be fwd to UK for approval

ries of transfer & whether funds will be from & to client's own bank account ? Reason
as ? Once recd with DD docs under client's registered address (if KYC is failed) - fwd to
before activation - only if HRC is involved
s verified under the residential address unless client living overseas for more than 3-4

nd fwd to UK once received

for Padron or NIE (usualy confirms client's physical address), UAE - utility bill or rental
aly confirms physical address Or Employment contract with letter confirming client's
n address. Other countries- forward to UK for approval to accept a PO BOX add.

er alternative ID or POA other than related to Vehicle

ed by UK

nt or screen shots with transaction history can be accepted