If you are opening a new account or product, N&P may ask you to provide proof of your identity or address.
This applies to both new and existing customers.
Why do we ask you to prove your identity and address?
Since the introduction of the Criminal Justice Ordinance 1995 in Gibraltar, it has been a legal requirement for all providers of financial products and services to have identification procedures in place. The procedures are to product both you and us against fraud.
Money laundering is the method criminals use to disguise the money they make from crimes.
How does this affect me?
To launder money through a bank or building society, criminals will usually try to open an account or apply for a financial product using a false identity.
A false name and address might make it harder for the authorities to track the criminals and their money down during an investigation. This does not mean in any way that suspicion is falling on you but for this reason, we may ask you for proof of your identity and address. i.e. prove who you are and where you live.
How do you verify my identity?
If you are an existing customer certain identification exemptions are applied:
In the following circumstances you will not be asked for further identification:
- If you are opening a savings account.
- If you already have a mortgage or personal current account.
- If you already hold a personal loan account with one of the UK branches.
If you are a new customer or if you are an existing customer and an identification exemption does not apply and you live in the UK, we use an electronic identification verification system to verify your identity. This verifies your identity by searching data at a credit reference agency and the databases they have access to, including the Electoral Register. This only checks your name and address and does not affect your creditworthiness and the agency will keep a record of the search whether or not your application proceeds.
Unfortunately it is not always possible to verify someone via this method e.g. you may have recently moved home, or have little or no credit. In this case we would need you to provide paper identification documents.
Please note: Electronic identification verification does not apply to minors i.e. aged under 18, or non UK residents.
Acceptable identification documents
You must provide one item of personal identification AND a seperate item of address verification.
Personal Identification - one item
- Current UK or foreign signed passport, or an EEA/Gibraltar National identity card containing current address where applicable.
- Current UK or EEA photocard driving license, including provisional (must contain current address)(photocard option is required).
- Current UK identity card for non EEA nationals.
- Current Gibraltar driving licence
- Current full UK driving licence (old version) - must contain current address.
AND:
Address verification - one item:
- Gibraltar or UK utility bill or book, i.e. gas, electricity, water, phone line rental for land line (issued or dated within the last 3 months) or letter from utilities supplier confirming agreement to supply utility or a pre-payment agreement.
- Gibraltar or UK Bank or Building Society NSI savings statement or passbook for ANY account type containing current address (issued or dated within last 3 months, 12 months for a mortgage or ISA not issued by N&P).
- UK credit card statement (issued or dated within last 3 months).
- Current EEA/Gibraltar National identity card.
- Current UK or EU photo card driving licence (including provisional).
- Voters roll letter from Gibraltar authorities.
- Gibraltar Tax code notification for current or last tax year e.g. P7 (issued or dated in the last 12 months).
- Gibraltar PAYE allowance and social insurance contribution certificate for current or last tax year, P3 (issued or dated in the last 12 months).
If you do not possess any of the identification detailed above then please talk to us +350 200 45050 and we will tell you what other documents can be accepted.
Identification for minors
A minor (aged under 18) must provide one item of personal identification AND a seperate item of address verification. If the account is being opened in trust with the child named as beneficiary no address verification is required for the minor.
Personal identification - one item
- Any personal identification that is listed for a non minor.
- UK/Gibraltar Birth certificate / adoption certificate.
- UK NHS medical card or GP registration document.
AND
Address verification
- Any address verification that can be taken for a non minor in either the minor's own name or the parent's/guardian's name who the minor resides with.
Do I need my identification documents to be certified?
If you are applying for an account by post we would recommend you do not send original documents as we cannot accept any liability for the safety of these documents whilst they are in the post.
If you are opening a current account we will require all paper identification to be certified by a professional person e.g. lawyer, banker, authorised financial intermediary, accountant, teacher, doctor, or minister of religion, etc.
Each certified copy must be signed by that person whose full name, qualification, job title, address and telephone number must appear on it with the date of certification.
You, your relatives or any other person named on the account cannot certify the documents.
Depending on the type of account being opened
We may ask you for the following details:
- Occupation
- Place of employment
- Verification of the above, e.g. payslips, employment terms and engagement certificate for Gibraltar nationals.