No Photo ID

Qyburn

Why would a bank need photo ID for someone they'll never meet in person? Not just banks, for somethings my Royal London pension requires photo ID, as well as bank statement "not printed from the Internet"

flaneurs_lobster

Qyburn said:

Why would a bank need photo ID for someone they'll never meet in person? Not just banks, for somethings my Royal London pension requires photo ID, as well as bank statement "not printed from the Internet"

It's shorthand for "kosher official vetted ID", they have no interest in what you look like. There is always a list further down the page where exactly what ID is acceptable is defined.

The second requirement is just annoying. Move your pension.

refluxer

Qyburn said:

...as well as bank statement "not printed from the Internet"

This is actually quite common and one reason why I haven't gone paperless with my main current account. Thankfully, I do tend to pass online ID checks when applying for an account with a new bank for the first time and my account usually gets verified automatically when registering it as a nominated account, but I have had reason to post off a recent, original bank statement once or twice in the last year, when one or other of those has failed for no obvious reason.

If we're all expected to go fully paperless, then all banks need to get up-to-date and provide an electronic way of submitting PDFs when required, rather than insisting on posted, paper originals.

Swipe

Section62 said:

Swipe said:

poppystar said:

Swipe said:

If you are over 70 and no longer driving it's still worth renewing your driving licence just as a form of ID as renewals are free of charge.

Assuming you haven’t developed health problems that have to be reported to DVLA and mean you are unable to renew your licence…

If your GP doesn't report your ailments to the DVLA, that's all a bit academic if you aren't actually driving.

The licence holder has a legal duty to self-report any notifiable conditions (or conditions which have got worse), regardless of whether or not they are currently driving.

The maximum fine for failing to do this is £1000

In some situations there is an obligation to surrender the licence, e.g. if you no longer meet the medical requirements.

https://www.gov.uk/driving-medical-conditions

The possibility of being fined up to £1000 makes this rather more than "academic".

I'd still take my chances if not driving any longer. Once the GP got wind of any serious ailments that qualified, they are duty bound to tell you to stop driving and disclose this to the DVLA anyway and your licence would be automatically suspended. The DVLA would write to you and ask for your licence to be sent back. Failure to comply at that point may well result in a fine.

WeeBawbee

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

born_again

WeeBawbee said:

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

Which banks?
photo ID is usually only required if you fail the electronic checks.

eskbanker

WeeBawbee said:

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

Not sure I've seen any signs of amusement but sounds like you're in exactly the same situation as others in the thread, i.e. if you don't have ID that's deemed acceptable by those banks then either you get hold of acceptable ID or you go elsewhere?

WeeBawbee

born_again said:

Which banks?
photo ID is usually only required if you fail the electronic checks.

You’re wrong. I just tried both NatWest and RBS and they say the same thing (I realise they’re the same bank).

WeeBawbee

@born_again Before you tell me to do it at a branch, I live in a very rural area and am dependent on doing things online.

p00hsticks

WeeBawbee said:

Some of you seem to find this situation amusing. My driving licence has expired since I opened a Chase bank account last year and I’m no longer well enough to drive and be safe on the roads so I haven’t renewed it. I got a new iPad and can’t access the app on it without passport, driving licence or EU National ID card, none of which I have. The banks I’ve tried today, to get the best deals, need the same ID. I have a Citizen’s Card but that’s not considered. So what about people like me?

I don't find it amusing, having been in the same situation myself.

Speaking from experience, without either a driving licence or a passport you will now find yourself more and more 'digitally excluded'.

If you press them, most organisations have secondary lists of documentation that can be accepted (HMRC tax coding notices, Benefits letters from DWP, council tax bills, recent utility bills) but these will nearly all require physically taking paperwork into branches, whcih you say you are not able to do.  

I strongly recommend that you invest £82.50 (online) or £93 (paper form) in applying for or renewing a passport and keeping it up to date, even if you have no intention of travelling abroad. Some people may object to having to pay such a fee just for ID verification, but in my opinion under £10 a year is a small price to pay for the amount of hassle, stress and hair-pulling it avoids.