Opening NatWest fixed rate ISA account without photo

peter021072
peter021072 Forumite Posts: 254
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edited 21 July at 9:32AM in Savings & investments
When applying for their fixed cash ISA, Nat West send out an hooyu link which is an app they use for ID.  Hooyu seems to be insisting on a passport photo, IDphoto or photo driving licence (I only have an old passport and a old style paper driving licence). When I go on the (general) Nat West help page and ask the chat robot (not hooyu) and type 'photo' it returns the following statement:


Do I need a UK Photo card driving licence to confirm my identification (ID) online?

"You don't have to have a Photo Card driving licence to confirm your ID online in the account application.

You will be able to use your paper driving licence online as that will have your licence number on it."


Since Natwest don't seem to have any people; only useless chat robots that's as far as I can get. This is particularly infuriating as I had a NatWest current account for 40 years and only closed it a few years back!

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Comments

  • peter021072
    peter021072 Forumite Posts: 254
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    One part of their site claims you do need a photo ID, another says not. 

    I did eventually get through to a person, but she thinks you need to be an existing customer, yet this contradicts the T&C which says it is open until August for new customers. 

  • Stargunner
    Stargunner Forumite Posts: 504
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    One part of their site claims you do need a photo ID, another says not. 

    I did eventually get through to a person, but she thinks you need to be an existing customer, yet this contradicts the T&C which says it is open until August for new customers. 

    The person you spoke to probably meant that you need to be an existing customer to not have to provide photo ID. New customers can apply, but will probably have to produce ID. If you have a branch nearby you may be able to open the account in branch.
  • markym3
    markym3 Forumite Posts: 8
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    edited 21 July at 1:18PM
    Don't need a photo if an existing customer, as I am. Application was done in a few minutes intitated via app (takes you to a website form to complete the application).
  • mark_cycling00
    mark_cycling00 Forumite Posts: 330
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    You're getting a really good rate because they use technology rather than expensive humans to complete the application process that must complete stringent security checks. 

    I did this today and it was super quick and easy with a passport and then they seem to use to ai to check you're actually a human.

    Hooyu delete your data after 7 days. 

    It was probably the quickest and easiest application I've done that wasn't from a mobile app
  • keanefan
    keanefan Forumite Posts: 8
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    I did the Hooyu ID check using my passport. In the email I received from NatWest it said I would need to provide proof of address as well, but I wasn't asked for that.
  • trickydicky14
    trickydicky14 Forumite Posts: 808
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    edited 22 July at 9:27AM

    Can I ask for help please, I have just gone through the process to open a NatWest ISA, my driving licence was ok, my selfie was ok and my bank statement was ok but it keeps asking me for ‘identity card’ what’s that all about, like most in this country I don’t have an identity card and I should also say, I don’t have a passport.

    It's now saying my docs are ok! after rejecting them 3 times.

    Now what, I've had no feedback regarding what happens next, any thoughts.


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  • retiredyoung
    retiredyoung Forumite Posts: 2
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    I am going through the same process,you should get an email from Nat west with your customer number and further details about receiving an activation code via text, its taken a couple of days so far so don't worry.
  • Ocelot
    Ocelot Forumite Posts: 430
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    I received the email notification to provide photos the next day, they went through ok, and now I'm awaiting the confirmation of opening email. 

    Whereas I didn't have any issues, it is a bit of a palaver compared to opening most ISAs.
  • nottsphil
    nottsphil Forumite Posts: 394
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    edited 22 July at 1:39PM
    I don't have the necessary ID but hold an old ISA with 4p in it. Would this qualify me for an account without photo id (haven't driven for years and can't find my paper licence).
    If so, should I be looking to get the 4p ISA on line first before applying?
  • peter021072
    peter021072 Forumite Posts: 254
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    One part of their site claims you do need a photo ID, another says not. 

    I did eventually get through to a person, but she thinks you need to be an existing customer, yet this contradicts the T&C which says it is open until August for new customers. 

    The person you spoke to probably meant that you need to be an existing customer to not have to provide photo ID. New customers can apply, but will probably have to produce ID. If you have a branch nearby you may be able to open the account in branch.
    I've just been informed from an advisor that NatWest won't open this in branch.  In theory Nat west will carry out a non-photo process on the phone 03457888444.  Not sure if I can be bothered the wait since I don't have inclusive minutes!
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