What counts as proof of address? Documents banks and money apps accept
By SendPay Business · · 2 min read
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.
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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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. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.