Photo ID only for New Chase 1.5% Bank Account (and other things)

Nicki_Sue

Hindsight is a wonderful thing @MartusJK - It'll do for what I need it for. I had to resend my ID etc so I can't see why it wouldn't be universally accepted. If I remember right, to upgrade to a full licence you don't need additional ID.

Good luck with finding a solution. 

Daliah

The DVLA is in a mess

https://committees.parliament.uk/committee/153/transport-committee/news/161666/transport-committee-chair-drills-into-detail-on-dvla-delays/

4justice2

Same boat as OP, don't have any photo ID, never had a problem opening accounts before. There appears to be no alternative with Chase, it's photo ID or nothing. Fair enough that's their business model, presumably they don't think there are enough people without photo ID to be worth offering an alternative. 
One thing does puzzle me though. They apparently don't need to see your original passport or driving licence, only an uploaded photo of it. How do they know it's genuine proof of ID and not a fake? I used to work for a large organisation and they would never accept copies of ID, only originals. Or are Chase able to verify passport and licence with the relevant government agencies?

Daliah

4justice2 said:

 . Or are Chase able to verify passport and licence with the relevant government agencies?

⬆️  this.


And they have been doing this for many years https://www.finextra.com/newsarticle/17284/uk-banks-tap-passport-validation-service

MartusJK

4justice2 said:

Same boat as OP, don't have any photo ID, never had a problem opening accounts before. There appears to be no alternative with Chase, it's photo ID or nothing. Fair enough that's their business model, presumably they don't think there are enough people without photo ID to be worth offering an alternative. 
One thing does puzzle me though. They apparently don't need to see your original passport or driving licence, only an uploaded photo of it. How do they know it's genuine proof of ID and not a fake? I used to work for a large organisation and they would never accept copies of ID, only originals. Or are Chase able to verify passport and licence with the relevant government agencies?

Also, I dont know the exact process so correct me if I am wrong but with an online passport application process you submit your picture and associate it yourself with your personal data, the passport people dont actually seperately verify your picture in any way? if so is it such a strong confirming aspect of ID? Is it much more conclusive than if I simply sent a picture of myself with a bank statement or other personal documentation?

noh

MartusJK said:

4justice2 said:

Same boat as OP, don't have any photo ID, never had a problem opening accounts before. There appears to be no alternative with Chase, it's photo ID or nothing. Fair enough that's their business model, presumably they don't think there are enough people without photo ID to be worth offering an alternative. 
One thing does puzzle me though. They apparently don't need to see your original passport or driving licence, only an uploaded photo of it. How do they know it's genuine proof of ID and not a fake? I used to work for a large organisation and they would never accept copies of ID, only originals. Or are Chase able to verify passport and licence with the relevant government agencies?

Also, I dont know the exact process so correct me if I am wrong but with an online passport application process you submit your picture and associate it yourself with your personal data, the passport people dont actually seperately verify your picture in any way? if so is it such a strong confirming aspect of ID? Is it much more conclusive than if I simply sent a picture of myself with a bank statement or other personal documentation?

For a new passport application online (not a renewal) someone in a "recognised" profession, who has known you for 2 years or more must confirm your identity.
https://www.gov.uk/confirm-identity-online-for-passport-application

MartusJK

noh said:

MartusJK said:

4justice2 said:

Same boat as OP, don't have any photo ID, never had a problem opening accounts before. There appears to be no alternative with Chase, it's photo ID or nothing. Fair enough that's their business model, presumably they don't think there are enough people without photo ID to be worth offering an alternative. 
One thing does puzzle me though. They apparently don't need to see your original passport or driving licence, only an uploaded photo of it. How do they know it's genuine proof of ID and not a fake? I used to work for a large organisation and they would never accept copies of ID, only originals. Or are Chase able to verify passport and licence with the relevant government agencies?

Also, I dont know the exact process so correct me if I am wrong but with an online passport application process you submit your picture and associate it yourself with your personal data, the passport people dont actually seperately verify your picture in any way? if so is it such a strong confirming aspect of ID? Is it much more conclusive than if I simply sent a picture of myself with a bank statement or other personal documentation?

For a new passport application online (not a renewal) someone in a "recognised" profession, who has known you for 2 years or more must confirm your identity.
https://www.gov.uk/confirm-identity-online-for-passport-application

OK I see, fair enough though i am tempted to say why then couldnt I send my photo with my bank statement or whatever with a similar confirmatory statement of identity by someone who has known me for 2 years or more....

masonic

MartusJK said:

noh said:

MartusJK said:

4justice2 said:

Same boat as OP, don't have any photo ID, never had a problem opening accounts before. There appears to be no alternative with Chase, it's photo ID or nothing. Fair enough that's their business model, presumably they don't think there are enough people without photo ID to be worth offering an alternative. 
One thing does puzzle me though. They apparently don't need to see your original passport or driving licence, only an uploaded photo of it. How do they know it's genuine proof of ID and not a fake? I used to work for a large organisation and they would never accept copies of ID, only originals. Or are Chase able to verify passport and licence with the relevant government agencies?

Also, I dont know the exact process so correct me if I am wrong but with an online passport application process you submit your picture and associate it yourself with your personal data, the passport people dont actually seperately verify your picture in any way? if so is it such a strong confirming aspect of ID? Is it much more conclusive than if I simply sent a picture of myself with a bank statement or other personal documentation?

For a new passport application online (not a renewal) someone in a "recognised" profession, who has known you for 2 years or more must confirm your identity.
https://www.gov.uk/confirm-identity-online-for-passport-application

OK I see, fair enough though i am tempted to say why then couldnt I send my photo with my bank statement or whatever with a similar confirmatory statement of identity by someone who has known me for 2 years or more....

The Government have the resources to process such information, to follow up individuals who make such confirmatory statements, and prosecute those who make a false statement, whereas a financial services company would itself be liable to prosecution if it waved people through without such infrastructure in place.

Given that we will now be required to have photographic ID in order to vote, we are headed for interesting times. It would have been so much easier if there hadn't been so much resistance to national ID cards previously.

sebtomato

MartusJK said:

Hi there, you might have seen details of this new savings account on MSE. Great I thought, I will have some of that, sounds easy, just get the app, register and away you go.... but then I came up against a barrier I have expereinced in other financial matters, you see I dont drive or have a passport, and no "photo ID", no application possible. I checked with them on the phone, I offered all sorts of other ID that has (eventually) worked for other things, like NI number, Birth certificate, bank statements, utlity bills etc etc, but no, its this driving licence or passport or no go. So my first question is whether this is some sort of unfar discrimination? And surely I am not the ony person not bothered by foreign travel or driving (actually I reckon I should be given preferential treatment for my contribution to reducing pollution/climate change etc!) so how do others get around this? (yes I know I just could fork out £75 for a passport but its getting to be a point of principle for me now, why should I have to do that when there are so many other verifiable and easily checkable sources of my ID especially online these days?).

I don't know many banks (online or brick-and-mortar) that would open an account without some sort of photo ID. Therefore, it's not discrimination.

ranciduk

sebtomato said:

MartusJK said:

Hi there, you might have seen details of this new savings account on MSE. Great I thought, I will have some of that, sounds easy, just get the app, register and away you go.... but then I came up against a barrier I have expereinced in other financial matters, you see I dont drive or have a passport, and no "photo ID", no application possible. I checked with them on the phone, I offered all sorts of other ID that has (eventually) worked for other things, like NI number, Birth certificate, bank statements, utlity bills etc etc, but no, its this driving licence or passport or no go. So my first question is whether this is some sort of unfar discrimination? And surely I am not the ony person not bothered by foreign travel or driving (actually I reckon I should be given preferential treatment for my contribution to reducing pollution/climate change etc!) so how do others get around this? (yes I know I just could fork out £75 for a passport but its getting to be a point of principle for me now, why should I have to do that when there are so many other verifiable and easily checkable sources of my ID especially online these days?).

I don't know many banks (online or brick-and-mortar) that would open an account without some sort of photo ID. Therefore, it's not discrimination.

I have opened numerous bank accounts in recent years - never once have I been asked for photo ID

not once