Trading 212 Cash ISA - Borderline discriminatory???

ivormonee

Altior said:

It won't impact me as I have the other forms of ID, but it is pretty curious that it's apparently deemed a lower bar to obtain voter ID than a bank account. 

I'm not sure but I think it may have something to do with the fact that proving ID requires a current form of ID and a biometric test in real time such as face recognition video - all of these are needed to obtain any new ID, so the voting authority may not meet all these criteria.

ivormonee

Kaizen917 said:

T212 were fine accepting my EU ID card as well so more than enough options.

I would imagine that such an ID would meet all ID requirements although I suspect many people in the UK do not have such an ID and might not be able to get one. I wouldn't know how to get one myself and my guess is, unless I am a resident or citzen of an EU country, I would not be able to obtain one.

SnarkyPuppy

Morning all. Thanks for all your comments and replies, appreciate them....even the ridiculing ones  

I'll be the first to admit I'm quite new to this game and hold my hands up that I didn't realise the whole digital vs non-digital platforms and targeted demographic for some of these companies. I now see where I stand in error and I guess my frustration was out of trying to do what was best for my mum and the tough road that lies ahead.
Thanks for educating me somewhat on this. Everyday is a school day as they say. 

That said, I understand it's the companies right to accept whatever documentation suits them but I'm sure there are many people in the country in their targeted demographic who niether want a passport or driving licence that would like to use their service. I guess that'll just be the companies loss at the end of the day. 

Replying to a couple of points earlier, yes my mums pension does take her above the threshold to be taxed. And an EU ID card isn't relevant in this case. 

Altior

ivormonee said:

Altior said:

It won't impact me as I have the other forms of ID, but it is pretty curious that it's apparently deemed a lower bar to obtain voter ID than a bank account. 

I'm not sure but I think it may have something to do with the fact that proving ID requires a current form of ID and a biometric test in real time such as face recognition video - all of these are needed to obtain any new ID, so the voting authority may not meet all these criteria.

That's right, I've done more than these that I'd care to remember! The 'Voter Authority Certificate' has your photo on it, that has been approved by the government to give you the authority to vote. So if it was used, it would take the same pattern, take a photo of the ID, then live captured pictures or videos of yourself that get sent of via an app to some outsourced ID verification services supplier. 

LHW99

Whilst I understand the higher ID requirements these days, I do wonder whether the barriers placed in front of average people trying to do the right thing actually stop many of the frausdsters and scammers, who seem able to open accounts anywhere in any name they want to allow them to shift money around at ease.

ivormonee

LHW99 said:

Whilst I understand the higher ID requirements these days, I do wonder whether the barriers placed in front of average people trying to do the right thing actually stop many of the frausdsters and scammers, who seem able to open accounts anywhere in any name they want to allow them to shift money around at ease.

This is a good point. The ID requirements have certainly become much more stringent in recent times. Proving one's identity does require a good few bits of verification if done remotely (unlike walking into an institution in person and presenting a passport, which would suffice), as per above outline. However, the criminal fraternity are always finding ways to circumvent a lot of measures as they are introduced. It is their "job" to be innovative to be able to get through ID verification systems where the average, law abiding citizen may face quite often difficult barriers. From general media reports, they make it seem quite easy!

Eco_Miser

PixelPound said:

Altior said:

The UK does already have an ID option. It appears that 212 opt not to use it at this time.

Apply for photo ID to vote (called a ‘Voter Authority Certificate’) - GOV.UK

I was going to suggest that. After all no passport or driving licence won't be tolerated when voting unless you have a voter authority, though you can postal vote without. 

Actually, there are lots of other photo ID acceptable for voting - but not for opening bank accounts - although most of them are various kinds of bus pass. 

masonic

The main issue is that in the digital age, the obligation to prove one's identity (or age etc) has been created without a suitable means to do so. Use of things like passports and driving licences is a sticking plaster. The fatal flaw is that these documents can be used multiple times. What's needed is something that can be provided by a central authority (not the individual themselves) for a one time use and only reveals enough information for the specific purpose it is being used for. Credit reference agencies are sort of serving this need in a half-arsed manner, but nowhere near well enough and not for everyone.

ivormonee

masonic said:

What's needed is something that can be provided by a central authority (not the individual themselves) for a one time use and only reveals enough information for the specific purpose it is being used for.

I suppose a digital ID system, like the ones used in many other countries, would cut out the flaff and make proving ID a seamless process. It would be a system designed from the bottom up to meet the requirements of the purpose for which it is intended.

GeoffTF

Nationwide says: "Or we can accept 1 document from the Proof of Name list and one document from the Proof of Current Address list if you're applying in a branch or returning your documents to us by post."

https://www.nationwide.co.uk/help/your-details/proving-your-identity/#what-do-i-need-to-provide

That seems to be typical for the old fashioned banks and building societies in my experience (but I always pass the electronic checks nowadays).