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


Proof of Identity

When you open a bank account with us, we need to check your identity.

To make it easier for you we have created a list of the different types of ID we can accept for you.

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 as proof of your address.

Proof of ID for over 18's

A UK Passport, Biometric Residence Permit, Foreign Passport & Visa

To be accepted, the following criteria must be met:

 

  • Be the original document
  • Match the exact name used when applying
  • Match the exact date of birth used when applying
  • Be valid / in date
  • Must have at least 6 months left to run on Visa (if Visa is required) for all non-EU applicants presenting a foreign passport

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  • Be a full photocard licence (the paper counterpart is no longer valid as legal ID), issued in the UK, Iceland, Norway, Switzerland or EU member countries.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

EU and EEA national identity card 

To be accepted, the following criteria must be met:

 

  • Be photographic and clearly state the country of issue
  • Match the exact name used when applying
  • Match the exact date of birth 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.

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. 

Northern Ireland voters card

To be accepted, the following criteria must be met:

  • Match the exact name used when applying
  • Match the exact address used when applying
  • Match the exact date of birth used when applying
  • Be valid / in date

Travel documents issued by the UK Government

To be accepted, the following criteria must be met:

  • An immigration and National Directorate (IND) Registration Card:
    - Must match the exact name used when applying
    - Must match all other personal details used when applying
    - Only be provided if applicant is unemployed

  • A travel document issued by the Government of the UK and Northern Ireland:
    - Must match the exact name used when applying
    - Must match all other personal details used when applying
    - Be issued in the UK prior to 31 Dec 2004, if presented with a Grant of Status Letter or Entry Clearance Visa providing indefinite right to remain.
    - Still be in date, and have more than 3 months left to run.

  • An immigration status document:
    - Must match the exact name used when applying
    - Must match all other personal details used when applying
    - Be issued in the UK prior to 31 Dec 2004 if presented with a Grant of Status Letter or Entry Clearance Visa giving them indefinite right to remain AND a residence permit
    - Still be in date, valid and have more than 3 months left to run.
     

UK Disability blue badge with photo

To be accepted, the following criteria must be met:

  • Must match the exact name used when applying
  • Be valid/in date
  • The photo on the card must be a true likeness of yourself

Armed forces/military ID card/Police Warrant Card

To be accepted, the following criteria must be met:

  • Must match the exact name used when applying
  • Must match the date of birth used when applying
  • Be valid/in date
  • The card must contain your staff serial number/police warrant number
Proof of ID for students

A UK Passport, Biometric Residence Permit, Foreign Passport & Visa

To be accepted, the following criteria must be met:

 

  • Be the original document
  • Match the exact name used when applying
  • Match the exact date of birth used when applying
  • Be valid / in date
  • Must have at least 6 months left to run on Visa (if Visa is required) for all non-EU applicants presenting a foreign passport

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

EU and EEA national identity card 

To be accepted, the following criteria must be met:

 

  • Be photographic and clearly state the country of issue
  • Match the exact name used when applying
  • Match the exact date of birth 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.

Birth/Adoption Certificate

To be acceptable, this document must:

Be for a customer who is:

- 20 years old and under with no other form of ID
- Have special circumstances e.g. (Applicants in care homes, sheltered accommodation, permanent care, children's homes, in care and living at home).

     

  • Must exactly match the name used when applying
  • Must exactly match the date of birth used when applying
  • Be a Full or Abbreviated Birth Certificate or a Certified Copy of an Entry from the General Registry Office (England and Wales) or an Extract of an Entry in the Register of Births (Scotland)
Proof of ID 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.

A UK Passport, Biometric Residence Permit, Foreign Passport & Visa

To be accepted, the following criteria must be met:

 

  • Be the original document
  • Match the exact name used when applying
  • Match the exact date of birth used when applying
  • Be valid / in date
  • Must have at least 6 months left to run on Visa (if Visa is required) for all non-EU applicants presenting a foreign passport

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

EU and EEA national identity card 

To be accepted, the following criteria must be met:

 

  • Be photographic and clearly state the country of issue
  • Match the exact name used when applying
  • Match the exact date of birth 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.

Birth/Adoption Certificate

To be acceptable, this document must:

Be for a customer who is:

- 20 years old and under with no other form of ID
- Have special circumstances e.g. (Applicants in care homes, sheltered accommodation, permanent care, children's homes, in care and living at home).

     

  • Must exactly match the name used when applying
  • Must exactly match the date of birth used when applying
  • Be a Full or Abbreviated Birth Certificate or a Certified Copy of an Entry from the General Registry Office (England and Wales) or an Extract of an Entry in the Register of Births (Scotland)

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.

 

PASS Card (Young Scot / Citizen Card)

To be acceptable, this document must:

  • Be for a customer who is aged 20 years or younger
  • Match the exact name used when applying
  • Match the exact date of birth used when applying
  • Be valid / in date
We have a range of bank accounts to suit your needs
Find out more What is acceptable for proof of address?
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