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

kaMelo

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.

As someone with over a dozen current accounts plus many many more previously closed in switching offers, Chase are the first bank I have ever needed photo ID to open an account.

sebtomato

ranciduk said:

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

So you opened bank accounts without confirming your ID? Which banks? When?

Given the rules about money laundering, tax issues etc., seems quite unlikely.

Having had a quick look now, the following banks requires an official ID to open an account: Barclays, Nationwide, HSBC, NatWest...

Daliah

sebtomato said:

ranciduk said:

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

So you opened bank accounts without confirming your ID? Which banks? When?

Given the rules about money laundering, tax issues etc., seems quite unlikely.

Having had a quick look now, the following banks requires an official ID to open an account: Barclays, Nationwide, HSBC, NatWest...

These banks only require a photo ID if they are not able to identify you electronically, or if they have reason to re-check the ID of existing customers. 

Like others, I have opened numerous accounts with numerous banks and building societies online, and rarely ever needed my photo ID. The ones I can recall who needed it are Tandem and Chase. 

I don’t see it as an issue to be asked by a bank for a photo ID. As I mentioned before, I even need to show one when picking up a parcel e.g. at thr Post Office.

dunstonh

kaMelo said:

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.

As someone with over a dozen current accounts plus many many more previously closed in switching offers, Chase are the first bank I have ever needed photo ID to open an account.

There is another thread in progress at the moment where the person stated they didn't need photo ID to open a Chase account.  So, it looks like you failed the electronic ID check and they reverted back to the manual ID method.

kaMelo

It's part of the process to open one,  photo of ID and a selfie.  It actually states a photo ID is a requirement rather than may be required.

refluxer

dunstonh said:

kaMelo said:

As someone with over a dozen current accounts plus many many more previously closed in switching offers, Chase are the first bank I have ever needed photo ID to open an account.

There is another thread in progress at the moment where the person stated they didn't need photo ID to open a Chase account.  So, it looks like you failed the electronic ID check and they reverted back to the manual ID method.

That's not quite right - Chase do require a photo of your passport or driving license to open an account by default and, like kaMelo, Chase is the only bank I have ever had to do this for

In this case, providing photo ID to Chase is their initial ID method and not caused by failing an automatic ID check although that presumably happens with other banks in those circumstances (I'm lucky enough not to have ever failed one so I've got no personal experience of this).

t0rt0ise

Daliah said:

sebtomato said:

ranciduk said:

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

So you opened bank accounts without confirming your ID? Which banks? When?

Given the rules about money laundering, tax issues etc., seems quite unlikely.

Having had a quick look now, the following banks requires an official ID to open an account: Barclays, Nationwide, HSBC, NatWest...

These banks only require a photo ID if they are not able to identify you electronically, or if they have reason to re-check the ID of existing customers. 

Like others, I have opened numerous accounts with numerous banks and building societies online, and rarely ever needed my photo ID. The ones I can recall who needed it are Tandem and Chase. 

I don’t see it as an issue to be asked by a bank for a photo ID. As I mentioned before, I even need to show one when picking up a parcel e.g. at thr Post Office.

My parcel office accepts a bank debit card as ID. No picture needed. 

I wanted to buy a laptop computer from ebuyer.co.uk (not ebay, ebuyer is a shop) and they wanted picture ID. I didn't have any at the time so went elsewhere.

Also they were talking about requiring pictures for voting in the future. Don't know what's happened to that idea.

Brie

Checking the Chase website it says

To bank with Chase, you'll need to:

• be 18+
• be a resident of the UK only
• have a  smartphone and a UK mobile number
• be a tax resident of the UK

So nothing there about needing photo id of any sort.  But if as another has suggested you failed some electronic verification then maybe you could see what other photo id they might accept.  Are you old enough to have a bus pass (government issued photo id) or a photo id from your employer?  Or the university/college you attend?

thor

Brie said:

Checking the Chase website it says

To bank with Chase, you'll need to:

• be 18+
• be a resident of the UK only
• have a  smartphone and a UK mobile number
• be a tax resident of the UK

So nothing there about needing photo id of any sort.  But if as another has suggested you failed some electronic verification then maybe you could see what other photo id they might accept.  Are you old enough to have a bus pass (government issued photo id) or a photo id from your employer?  Or the university/college you attend?

How can you register if you don't have photo id though? The app does not let you proceed until you have uploaded your pictures and have had them verified. I have now got 25 verification failed texts and each one says I have to try and upload my photos again for them to verify.

Brie

thor said:

Brie said:

Checking the Chase website it says

To bank with Chase, you'll need to:

• be 18+
• be a resident of the UK only
• have a  smartphone and a UK mobile number
• be a tax resident of the UK

So nothing there about needing photo id of any sort.  But if as another has suggested you failed some electronic verification then maybe you could see what other photo id they might accept.  Are you old enough to have a bus pass (government issued photo id) or a photo id from your employer?  Or the university/college you attend?

How can you register if you don't have photo id though? The app does not let you proceed until you have uploaded your pictures and have had them verified. I have now got 25 verification failed texts and each one says I have to try and upload my photos again for them to verify.

Frankly I don't know as I haven't tried.  I'm just surprised that there's nothing on the website about needing photo id let alone what type of photo id is required.  They must be losing quite a few potential customers who can't be asked to trot off to dig up their passport and try the process all over.

I wonder what would happen if I did try to apply.  I do have a passport but it isn't a UK one.  If I used that and was refused I might complain about discrimination of some sort due to my nationality - which shouldn't be an issue as I fit all the other criteria quoted previously.