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When it’s required

  • Tier 1: always required for customers residing outside the USA, EEA, and UK. This includes Australia and all other Rest of World countries. For USA, EEA, and UK residents, required only when any of these apply:
    • The customer’s ID document country differs from their residence country (except EU citizens).
    • Their residence permit lacks address data, or it does not match their provided address.
    • Their IP address is detected to be from a high-risk jurisdiction.
  • Tier 2 and high-risk customers: always required.

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Accepted documents

Identity documents are accepted as proof of address: passport, national ID card, residence permit, or driver’s license. The 3-month rule does not apply to them. All other documents must be issued within the last 3 months:
  • Utility bill (electricity, gas, internet, landline, water)
  • Bank or credit card statement
  • Tax invoice
  • Mortgage statement
  • Certificate of voter registration
  • Signed, current lease agreement
  • Employer’s certificate (payslips not accepted)
  • Other government-issued residential document

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Criteria

  • Shows the customer’s full name and complete residential address (no PO boxes)
  • Shows the issuing entity’s name and issue date
  • Entire document visible, as an original photo or PDF
Not accepted: screenshots, spreadsheets, medical bills, insurance statements. A payslip is not accepted for POA, but it is accepted for source of wealth.