So I know from opening account that Monzo do video check and ID but they do not request proof of address, is this because they get it from electoral register/credit check?
Being able to receive your card proves the address (which is actually a very good proof that can’t be photoshopped as opposed to utility bills).
you say this because when we get card we have to scan it correct?
Yep you have to activate your card by typing in it’s number, which proves that you did indeed receive the card.
You will have a soft check on your credit report as part of Id verification
I don’t think it checks the address though.
surly a credit check would pull address? or would they use electoral roll?
How do they match the user to the report unless the address matches?
Electoral roll is listed on the report as well
No I mean I don’t think they care about the address in the credit check result, as I was able to change my address on a brand new one (not on any credit bureau yet) and they didn’t ask for proof either.
Presumably they don’t - if the provided info doesn’t pull anything from the credit bureaus they would consider it a brand new account for someone with no credit history (someone recently arrived in the UK?).
If they can’t find a record they might instead ask for more ID though.