Lifering

Verifying your identity and residency


As part of your application, we need to verify your identity and address. Don’t worry if you don’t initially pass our checks - it doesn’t necessarily mean that you can’t open an account with us. It’s just likely that we’ll need some further proof to verify the information you’ve provided.

 

Acceptable Proof Documents


Information provided by you to verify your identity and residency must be from different sources e.g., State Pension Statement and general correspondence from the Department of Work & Pensions (DWP) will not be acceptable.

Document type

Important information 

Document type is an acceptable proof of:

Identity (List A)

Address (List B)

UK / EU Passport  Must be current and valid (signed) Yes No
Non EU / Non UK Passport Satisfactory evidence of indefinite ‘Right
to Reside’ in the UK must accompany
the Non EU / Non UK passport
Yes No
UK Driving Licence Must be valid Full / Provisional UK
photocard Driving License. Full old style
paper licenses are acceptable
Yes Yes – if not already used
for Identity
Northern Ireland Driving Licence Must be current and must be the
original – a copy is not acceptable
Yes Yes – if not already used
for Identity
National Identity Card for EU
Nationals
Must be current Yes No
Firearms Certificate / Shotgun
Licence Certificate
Must be current Yes No
Confirmation of entitlement to
state or local authority benefits
(including tax credit, child
benefit, housing benefit,
educational grants, winter fuel
bill etc)
Must be dated within the last
12 months
Yes – only if unable to
provide ID from above list
Yes – if not already used
for identity
State Pension Statement /
Correspondence
Must be dated within the last
6 months
Yes – only if unable to
provide ID from above list
Yes
HMRC tax notifications valid for the
current tax or previous tax year 
Must be dated within the last
12 months. Cannot be a P45 or P60
Yes – only if unable to
provide ID from above list
Yes – if not already used
for identity
UK Bank / Building Society
Statement / Credit CardStatement
Must be dated within the last
3 months
Yes – only if unable to
provide ID from above list
Yes
Mortgage statement from a
recognised lender
Must be dated within the last
12 months
No Yes
Local Authority council tax demand
valid for the current year
Must be dated within the last
12 months
No Yes
Gas / Electric / Landline
Telephone Bill
Must be dated within the last
3 months
No Yes
Water Bill Must be dated within the last
12 months
No Yes
Credit Union Statement Must be dated within the last
3 months
No Yes
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For applicants under the age of 18 where it is not possible to provide documents from the list above:

Document type Important information Is the document type acceptable proof for?
Identity (List A) Address (List B)
Birth Certificate   Yes No
Child Benefit Letter from Parent   Yes No
National Insurance Number
confirmation letter
  No Yes
Student Loan Statement /
confirmation letter
Must be dated within the last
12 months
No Yes
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Please send copies (unless otherwise specified). If you elect to send us originals of important documents such as passports, licences and identity documents we strongly recommend you use recorded post or special delivery. We'll send back any original documents once they've been reviewed, but note that we don’t return copies as these will be securely destroyed once our checks have been completed.

 

Proof of Identity
 

There are two methods by which you can provide us with your proof documentation.

  • Firstly, you have the option to use our document upload service. This will allow you to upload documents that prove your identity directly via our website. In order to use this method, you will need to follow the link provided on-screen at the time of application, or in your welcome email that will follow shortly after applying.
  • Alternatively, you can send your documents in the post to our Freepost address if you’d prefer:


RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

We recommend that you always send us copies of your identity documents. However, should you choose to send us original documents, we strongly advise that you use recorded post or special delivery. All original documents received will be returned but we don’t return copies, which will be securely destroyed once we have completed our checks.

 

Proof of Residency
 

At present, we don’t provide the ability to upload your proof documents for residency online, so please send your documents in the post to our Freepost address:

RTUB-AAXH-UHKE
Ford Money
PO Box 871
Wallsend
NE28 5BT

We recommend that you always send us copies of your identity documents. However, should you choose to send us original documents, we strongly advise that you use recorded post or special delivery. All original documents received will be returned but we don’t return copies, which will be securely destroyed once we have completed our checks.

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Verifying your identity and Residency

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