ID and address verification


(RK) #1

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?


(Andre Borie) #2

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).


(RK) #3

you say this because when we get card we have to scan it correct?


(Andre Borie) #4

Yep you have to activate your card by typing in it’s number, which proves that you did indeed receive the card.


#5

You will have a soft check on your credit report as part of Id verification


(Andre Borie) #6

I don’t think it checks the address though.


(RK) #7

surly a credit check would pull address? or would they use electoral roll?


#8

How do they match the user to the report unless the address matches?

Electoral roll is listed on the report as well


(Andre Borie) #9

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.


(Andre Borie) #10

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.