How to open a current account - Proof of Address | NatWest


Proof of Address

When you open a bank account with us, we need to verify your address.

To make it easier for you we have created a list of the different documents we can accept for your proof of address.

For our adult current accounts, we've made it easier for you to complete your application online

We have a service, called DigiDocs that can verify your ID and address in minutes as long as supply us with your UK mobile number and email when you are filling in your application online.

All we would need from you is either your UK driving license, passport or EU ID card and a Mastercard or Visa card belonging to you.

Where we can't complete your application online, we may ask you to visit your local branch

If you are going in to branch to open your current account, you will need one item to confirm your identity and another document that we can accept for proof of your address.

Proof of address for over 18's

UK/EU/EEA Driving Licence

To be accepted, the following criteria must be met:

 

  • Be a full photocard licence (the paper counterpart is no longer valid as legal ID), issued in the UK, Iceland, Norway, Switzerland or EU member countries.
  • Be a provisional photocard licence, issued in the UK only.
  • Be a full 'old style' paper licence (before the photocard was introduced in 1998), issued in the UK only.
  • Match the date of birth used when applying
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be valid/in date

HMRC tax notifications & correspondence

To be accepted, the following criteria must be met:

 

  • If sent from HMRC, must be:
    - Specific to the individual
    - Must include either NI number or date of birth
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be issued in the last 6 months or for the current tax year.
  • Can only be used as proof of identity or proof of address. Not both.

Where an e-statement/e-bill or pdf of your HMRC tax notifications & correspondence is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/ e-bill or pdf of your HMRC tax notifications & correspondence as address verification.

Council tax bill/demand letter/exemption certificate issued within 12 months

To be accepted this document must be:

 

  • Council Tax bill , including reminders
  • Council Tax adjustment notice letter
  • Current council tax arrears letter
  • Council tax letter for Direct Debits
  • Council tax exemption letter
  • Council Tax payment card accompanied by a letter issued by the council which confirms the council tax reference.
  • Council Tax benefit letter provided it has been sent to your current address and shows the Council Tax reference. This can be accepted to confirm either your identity or address. Not both. 
  • Be less than 12 months old
  • Be for the property you reside at & match the exact address used when applying
  • Have your name in the addressee part of the document.
  • The name must match the exact name provided when applying

Where an e-statement/e-bill or pdf of your Council tax is used this can only be used where one of the following has been used as identification

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification, you cannot use an e-statement/ e-bill or pdf of your Council Tax as address verification

UK utility bill (gas, electricity, water, telephone landline) issued within 3 months

To be accepted, the following criteria must be met:

 

  • Be less than 6 months old
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be a: 
    - Utility Bill
    - Utility Statement
    - Reminder Bill
    - A letter on headed paper from the utility company confirming direct debit payments
    - A Utility bill for internet services that confirms the price to be paid each month.

Where an e-statement/ e-bill or pdf of your Utility Bill/ Statement is used this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification, you cannot use an e-statement/e-bill or pdf of your Utility Bill/ statement as address verification

 

We cannot accept:

 

  • Mobile telephone bills
  • TV licences
  • A utility bill that is addressed to a different address to where the utility is being provided
  • A delivery bill for oil, coal, logs

Bank/Building Society/UK Credit Card statement issued within last 3 months

To be accepted, the document must either:

 

  • Be the original, sent to your current home address
  • Be an online PDF statement
  • Be a Post Office Statement

All must:

 

  • Be less than 6 months old
  • Match the exact address used when applying
  • Match the exact name used when applying

Where an e-statement/e-bill or pdf of your Bank/Building Society/UK Credit Card Statement is used and has not been provided by Royal Bank of Scotland or Natwest this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification and the statement has not been issued by RBS/Natwest, you cannot use an e-statement/ e-bill or pdf of your Bank/ Building Society/ Credit Card Statement as address verification

UK/EU/EEA mortgage statement issued within 12 months

To be accepted, the document must:

 

  • Be the original and less than 12 months old or
  • Be a pdf/e-bill/e-statement of your mortgage statement and be less than 12 months old
  • Match the exact name used when applying
  • Match the exact address used when applying

Where an e-statement/e-bill or pdf of your mortgage statement is used this can only be used where one of the following has been used as identification:

 
  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Idenity ID Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification, you cannot use an e-statement/ e-bill or pdf of your Utility Bill/ statement as address verification

Benefits entitlement letter issued within last 12 months

This includes those issued by DWP. Scottish public pensions agency, local authority, UC welcome letter, pensions benefits, housing benefits, child benefits, disability and sickness benefits

 

To be accepted, the following criteria must be met:

  • Specific to the individual about benefits currently being received
  • Must Include either NI number or DOB
  • Must confirm the customer is currently in receipt of benefit.
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be valid/in date
  • Can only be used as proof of identity or proof of address. Not both.

A benefits letter that is addressed to a carer but is for the person opening the account can also be used but only as a last resort. The applicants name must be mentioned in the letter and the carer must reside at the same address as the applicant. 

 

Where an e-statement/e-bill or pdf of your documentation from the Benefits Agency is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/e-bill or pdf of your documentation from the Benefits Agency as address verification.

Tenancy agreement from local council or housing association issued within 12 months

To be accepted, this document must either:

 

  • Be a current local council tenancy agreement
  • Be a Housing association tenancy agreement
  • Be a valid temporary tenancy agreement

All documents must:

 

- Be issued by a recognised local authority, or from a well known housing association
- Be on headed paper and bear the stamp of the relevant council/housing association
- Match the exact name used in the application
- Match the exact address used in the application

 

Where an e-statement/ e-bill or pdf of your documentation from the Tenancy Agreement is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA ID Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/ e-bill or pdf of your documentation from Tenancy Agreement as address verification.

 

Credit Union statement

To be accepted:

 

  • The name must match the application
  • The address must match the application
  • Please ensure the Credit Union appears as approved / authorised on the FCA search page (Opens in New Window)
Proof of address for students

Along with proof of address, we also need you to provide proof of your student status.

The simplest way to prove your student status is to enter your UCAS Status Code into the application form. (This is a 16 digit code emailed to you by UCAS. If you have misplaced this email please contact UCAS who will reissue within 24 hours).

Proof of your student status

Other documents we can accept are:

 

UCAS/NMAS Letter:

 

  • The letter must be on headed paper
  • It must include the UCAS/NMAS application number and match the address on the application form.
  • Must match the address used when applying

Student Loan Company/LEA/SAAS Award Letter:

 

  • The award letter must match the address on the application form.
  • Be on headed paper.

University/College Letter of Acceptance/Enrolment Offer/Enrolment Certificate:

 

  • Letters should be on headed paper and addressed to the Bank or to you at your application address.
  • It can be an original letter, an email or an internet print
  • The letter must confirm you are onto the course and match the address on the application form
  • It must be issued by a Government/LEA/SAAS funded University/College.
  • If issued by anyone else this is not acceptable.
  • Letters from a language schools are not acceptable.
  • The course must still have six months left to run for the letter to be accepted unless it’s an English course.
  • Where an English course is less than six months, confirmation of both courses is required and the total length must be more than six months.

UK/EU/EEA Driving Licence

To be accepted, the following criteria must be met:

 

  • Be a full photocard licence (the paper counterpart is no longer valid as legal ID), issued in the UK, Iceland, Norway, Switzerland or EU member countries.
  • Be a provisional photocard licence, issued in the UK only.
  • Be a full 'old style' paper licence (before the photocard was introduced in 1998), issued in the UK only.
  • Match the date of birth used when applying
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be valid/in date

HMRC tax notifications & correspondence

To be accepted, the following criteria must be met:

 

  • If sent from HMRC, must be:
    - Specific to the individual
    - Must include either NI number or date of birth
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be issued in the last 6 months or for the current tax year.
  • Can only be used as proof of identity or proof of address. Not both.

Where an e-statement/e-bill or pdf of your HMRC tax notifications & correspondence is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/ e-bill or pdf of your HMRC tax notifications & correspondence as address verification.

Council tax bill/demand letter/exemption certificate issued within 12 months

To be accepted this document must be:

 

  • Council Tax bill , including reminders
  • Council Tax adjustment notice letter
  • Current council tax arrears letter
  • Council tax letter for Direct Debits
  • Council tax exemption letter
  • Council Tax payment card accompanied by a letter issued by the council which confirms the council tax reference.
  • Council Tax benefit letter provided it has been sent to your current address and shows the Council Tax reference. This can be accepted to confirm either your identity or address. Not both. 
  • Be less than 12 months old
  • Be for the property you reside at & match the exact address used when applying
  • Have your name in the addressee part of the document.
  • The name must match the exact name provided when applying

Where an e-statement/e-bill or pdf of your Council tax is used this can only be used where one of the following has been used as identification

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification, you cannot use an e-statement/ e-bill or pdf of your Council Tax as address verification

UK utility bill (gas, electricity, water, telephone landline) issued within 3 months

To be accepted, the following criteria must be met:

 

  • Be less than 6 months old
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be a: 
    - Utility Bill
    - Utility Statement
    - Reminder Bill
    - A letter on headed paper from the utility company confirming direct debit payments
    - A Utility bill for internet services that confirms the price to be paid each month.

Where an e-statement/ e-bill or pdf of your Utility Bill/ Statement is used this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification, you cannot use an e-statement/e-bill or pdf of your Utility Bill/ statement as address verification

 

We cannot accept:

 

  • Mobile telephone bills
  • TV licences
  • A utility bill that is addressed to a different address to where the utility is being provided
  • A delivery bill for oil, coal, logs

Bank/Building Society/UK Credit Card statement issued within last 3 months

To be accepted, the document must either:

 

  • Be the original, sent to your current home address
  • Be an online PDF statement
  • Be a Post Office Statement

All must:

 

  • Be less than 6 months old
  • Match the exact address used when applying
  • Match the exact name used when applying

Where an e-statement/e-bill or pdf of your Bank/Building Society/UK Credit Card Statement is used and has not been provided by Royal Bank of Scotland or Natwest this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification and the statement has not been issued by RBS/Natwest, you cannot use an e-statement/ e-bill or pdf of your Bank/ Building Society/ Credit Card Statement as address verification

Benefits entitlement letter issued within last 12 months

This includes those issued by DWP. Scottish public pensions agency, local authority, UC welcome letter, pensions benefits, housing benefits, child benefits, disability and sickness benefits

 

To be accepted, the following criteria must be met:

  • Specific to the individual about benefits currently being received
  • Must Include either NI number or DOB
  • Must confirm the customer is currently in receipt of benefit.
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be valid/in date
  • Can only be used as proof of identity or proof of address. Not both.

A benefits letter that is addressed to a carer but is for the person opening the account can also be used but only as a last resort. The applicants name must be mentioned in the letter and the carer must reside at the same address as the applicant. 

 

Where an e-statement/e-bill or pdf of your documentation from the Benefits Agency is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport, Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA national identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/e-bill or pdf of your documentation from the Benefits Agency as address verification.

Tenancy agreement from local council or housing association issued within 12 months

To be accepted, this document must either:

 

  • Be a current local council tenancy agreement
  • Be a Housing association tenancy agreement
  • Be a valid temporary tenancy agreement

All documents must:

 

- Be issued by a recognised local authority, or from a well known housing association
- Be on headed paper and bear the stamp of the relevant council/housing association
- Match the exact name used in the application
- Match the exact address used in the application

 

Where an e-statement/ e-bill or pdf of your documentation from the Tenancy Agreement is used, this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA ID Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification you cannot use an e-statement/ e-bill or pdf of your documentation from Tenancy Agreement as address verification.

 

Proof of address for under 18's

If the account is being opened in an adult's name proof of identification and address is required for the adult and proof of identity for the child.

The surname of the adult and child does not need to match if the parent/guardian is a NatWest customer. If the surnames differ and the parent/guardian does not bank with us, you must provide documentation to show the link between the applicant child and parent/guardian.

UK/EU/EEA Driving Licence

To be accepted, the following criteria must be met:

 

  • Be a full photocard licence (the paper counterpart is no longer valid as legal ID), issued in the UK, Iceland, Norway, Switzerland or EU member countries.
  • Be a provisional photocard licence, issued in the UK only.
  • Be a full 'old style' paper licence (before the photocard was introduced in 1998), issued in the UK only.
  • Match the date of birth used when applying
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be valid/in date

HMRC tax notifications & correspondence

To be accepted, the following criteria must be met:

 

  • If sent from HMRC, must be:
    - Specific to the individual
    - Must include either NI number or date of birth
  • Match the exact name used when applying
  • Match the exact address used when applying
  • Be issued in the last 6 months or for the current tax year.
  • Can only be used as proof of identity or proof of address. Not both.

Bank or Building Society statement issued within last 3 months

To be accepted, the document must either:

 

  • Be the original, sent to your current home address
  • Be an online PDF statement
  • Be a Post Office Statement

All must:

 

  • Be less than 6 months old
  • Match the exact address used when applying
  • Match the exact name used when applying

Where an e-statement/e-bill or pdf of your Bank or Building Society statement is used and has not been provided by the Royal Bank of Scotland or Natwest this can only be used where one of the following has been used as identification:

 

  • UK Passport/Foreign Passport/Visa
  • UK Driving Licence
  • EU/EEA National Identity Card
  • Disabled Drivers Card
  • Police Warrant Card
  • Military ID Card

If you have not used one of the above as your identification and the statement has not been issued by the Royal Bank of Scotland or Natwest, you cannot use an e-statement/ e-bill or pdf of your Bank/Building Society statement as address verification.

A Child Benefit/Child Trust Fund/Tax Credit award/review letter

To be acceptable, this document must:

 

  • Be presented in the parents name with the child mentioned and the surnames must match
  • Match the exact address on the application
  • Be for a customer who is aged 18 years old or under.
  • Be issued within the last 12 months and be valid for current benefits (with the exception of the Child Trust Fund)

A letter of introduction from school

To be acceptable, this document must:

  • Be for an existing pupil of the school providing the letter
  • Be addressed to the Bank on headed paper or stamped by the school
  • Match the name on the application exactly
  • Match the date of birth on the application/request and be for a customer who is 18 years old or under.
  • Match the address the application
  • Be issued by a known school.

Please note that one letter is sufficient to cover both proof of identity and proof of address for the same application.

 

A letter of introduction from the local council or a registered charity

To be acceptable this document must:

 

  • Be addressed 'To whom it may concern'
  • Match the exact name on the application
  • Match the exact address on the application
  • Be for a customer who is aged 18 years old or under.
  • Be confirmed as genuine*

*This can be done by a social worker being in the branch, with staff identification that confirms they are from the council, or an independent call back needs to be made.

We have a range of bank account to suit your needs
Find out more What is acceptable for a proof of identity?
Set Tab for lightbox