Proof of Identity

We must ensure that we know who applicants are and where they live before they can be accepted as members of the credit union.  To do this we will need to see two items of documentary evidence, with one item provided from List 1 and one from List 2.

List 1 - acceptable methods to verify an applicant's identity

The applicant must provide one of the following documents to prove who they are. Unless specified, the document must be current and valid, and bear a photograph of the applicant:

  • passport
  • current valid national identity card
  • full or provisional Isle of Man driving licence
  • employer ID card from a known Isle of Man employer
  • birth certificate (only for applicants aged under 18 and will not contain a photograph)
  • bus or travel pass issued by the Isle of Man Government

List 2 - acceptable methods to verify an applicant's address

The applicant must provide one of the following documents to prove where they live. The document should be an original, no more than 6 months old and have been received by the applicant in the post:

  • account statement from a recognised bank, building society or credit card company
  • mortgage statement from a recognised lender
  • rates bill from the IOM Government or a Manx local authority
  • utility bill (gas, electricity, central heating oil or telephone, but not including a mobile telephone bill)
  • correspondence from an official independent source such as a central IOM Government department or a Manx local authority
  • full or provisional Isle of Man driving licence containing the applicant's current residential address (N.B. this must not be used as the sole document to verify identity in both List 1 and List 2)


CERTIFIED COPIES OF DOCUMENTATION 

Page 63 of the FSA's "Anti-Money Laundering And Countering The Financing Of Terrorism Handbook - April 2017" (as known as "the Code" ) provides the following guidance.
For non-face-to-face business, suitable persons to certify documents include known and trusted members of the community such as:  

  1. a member of the judiciary, a senior civil servant, a serving police or customs officer;
  2. an officer of an embassy, consulate or high commission of the country of issue of documentary verification of identity; 
  3. a lawyer or notary public, who is a member of a recognised professional body; 
  4. an accountant who is a member of a recognised professional body; 
  5. a company secretary who is a member of a recognised professional body; 
  6. a director, secretary or board member of a trusted person as defined in the Code; or
  7. a manager or other senior officer within the relevant person’s group.

The certifier should sign and date the copy document (printing his/her name clearly in capitals underneath) and clearly indicate his/her position or capacity on it and provide contact details. The certifier should check the photograph represents a good likeness of the customer and should also state that it is a true copy of the original. There is no exact wording that has to be used, however the relevant person should ensure it covers the aforementioned areas.

The certifier should not be related to the applicant.