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

Daliah

sebtomato said:

Daliah said:

sebtomato said:

Daliah said:

sebtomato said:

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.

Not what their respective websites say. They all require photo IDs.

Like others, you have opened numerous accounts with numerous banks but don't tell us which ones didn't require a photo ID...

Only Chase UK and Tandem required photo ID, and one non-UK bank I have an account with. 

Not RCI, Marcus, Starling, Natwest, RBS, Ulster, Saffron, Nationwide, Al Rayan, Atom, numerous Building Societies and Credit Unions, Halifax, HSBC, Lloyds, SAGA, Tesco, Virgin Money. I might have forgotten a few that didn't - - --  but as I said before, if any of them had asked, I'd not have had an issue providing Government-issued photo ID.

None of what you are saying is matching what they have on their website. You have recently open a new account with HSBC without a photo ID?? Really? Or did you have an existing account with them and open another account, like savings account?

Yes, I have recently opened many accounts without a photo ID. Not sure why you query that it's common practice that they only ask for photo ID and proof of address if they are unable to verify the applicant's identity electronically. Though it doesn't make any difference.

Daliah

sebtomato said:

refluxer said:

At least not if you pass the basic online ID check that most other banks and building societies carry out with the other information you provide such as name, DOB, NI number, address etc

So you just provide some information like name, DoB, NI number without any official ID, like a Passport or Driving licence, and they open an account, without confirming it's actually you? I find that hard to believe, given the financial regulations...

Which financial regulation is being violated by electronic ID verification?

Aristotle67

I must be doing something wrong. My phone has Android 10 but the Chase app will not take a shot of my ID. I get "move phone closer" or "place ID on dark background" (which it already is) or "move ID further away" or "keep phone still". Whatever I do it will not take the shot. I have taken the shot manually but get "something went wrong". It takes a selfie but doesn't seem to like that either. So I cannot open an account.

Robin9

Similar ID problems for me trying to open a RBS account -  they needed a video plus scans of driving license.  Gave up and complained  - gave me £200 which was more than the £150 switch payment I was after.

ranciduk

Robin9 said:

Similar ID problems for me trying to open a RBS account -  they needed a video plus scans of driving license.  Gave up and complained  - gave me £200 which was more than the £150 switch payment I was after.

Utterly farcical!

p00hsticks

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 first time passport application, as well as having to provide the name of a suitable person who will verify that the photo provided is indeed of you, you also have to go through an interview with the Passport Office - pre-pandemic these had to be face to face, but during lockdown they were being conducted over Skype.

ranciduk

You also need to produce your birth certificate 

p00hsticks

ranciduk said:

You also need to produce your birth certificate 

Which isn;t any guarantee of an individual's id as in the UK for a small fee anyone can obtain a certified copy of anyone else's birth, marriage or death certificates.....

Aristotle67

p00hsticks said:

ranciduk said:

You also need to produce your birth certificate 

Which isn;t any guarantee of an individual's id as in the UK for a small fee anyone can obtain a certified copy of anyone else's birth, marriage or death certificates.....

Which begs the question what is a guarantee of an individuals ID as many people have neither a passport or a driving licence.

I have never been comfortable with UK nationals being asked to provide a photo ID because this is something that, under UK law, no-one is required to hold. I don't mind for myself, as I can provide both a driving licence and passport and will do so willingly, but I feel for those who cannot. If ID cards are ever made compulsory then that point becomes redundant - and I personally have no problem with ID cards becoming compulsory; a few years ago this was proposed but it didn't happen - but until it does being required to provide what you are not required to have doesn't sit well with me.

Daliah

Aristotle67 said: I personally have no problem with ID cards becoming compulsory; a few years ago this was proposed but it didn't happen - but until it does being required to provide what you are not required to have doesn't sit well with me.

Are you saying that, in the UK, anyone should be able to say they are who they are, without having to provide any proof for it? If so, you'd be the most favourite person on the planet for money launderers and Russian oligarchs