What counts as proof of address? Documents banks and money apps accept
By SendPay Business · · 2 min read
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When you open an account, a bank or money app must check who you are and where you live. Many can check your address electronically, but some will ask you to upload a document as proof.
Documents usually accepted
- A recent utility bill, such as gas, electricity, water or a landline.
- A recent bank or credit card statement from another provider.
- A council tax bill for the current year.
- A letter from HMRC, the DWP or another government body.
- A UK driving licence showing your current address.
How recent it needs to be
Most providers want a document dated within the last three months, though yearly documents like a council tax bill are often accepted for the current year. It usually needs to show your full name and address, and screenshots or cut-off photos may be turned down. Each provider sets its own list, so check theirs.
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If you don't have the usual bills
If you live with family, have just moved or rent a room, ask the provider what else it accepts. Options can include a tenancy agreement, a letter from a school or university, or a letter from your employer. Some providers can confirm your address with credit reference agencies instead.
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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
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Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.