monzo is an IT company that happens to be a bank-ish sort of organisation and as an IT specialist/professional, I suggest that they never lose focus on the tech front.
to that end, have a look at jumio for online identification. UK mandates the verification of individuals for access to banking, which is why you have to go to the bank with your ID and proof of address to get a bog standard account, but as there is no branch for my bank, mondo, and I do not think it wise at all to ask for peoples’ passports or driving licence in the post, look at these products:
1.) German Version
2.) US Version
In Germany they are calling it video-ident and it works so much better than what we currently have here in good ol UK.
– there, visit to bank done!! There is a mobile app version of these available too meaning that the wheel has already been invented for us so integration and implementation is a developer’s dream??