The workaround that best suits you will depend on who you are, and the type of account you want to open. If you don’t already have what you need to open a bank account in the UK, there are a number of creative workarounds and alternatives available. So, if you’re struggling to get more than one proof of address, you may want to avoid banks that require two proofs of address, as this would trigger a rejection. It’s also important to remember that some UK banks will require one to two documents to verify your address. And there are several English banks that don’t allow mobile or cable TV bills as acceptable address proofs either. Lastly, while banking rules are very similar across the UK, Scotland does not accept mobile phone or cable TV bills as proof of address. And if you’re lucky, the bank may also accept a tenancy agreement, though this is becoming increasingly rare. Likewise, for students, a letter from the university will do the trick. In select cases, a letter from an employer may also suffice as proof of address. A UK driver’s license will also work, but that’s a difficult document to get if you’re a non-resident. Typically, acceptable proof of address documents usually includes a utility bill (assuming it’s less than three months old), a council tax bill, an HMRC tax notification, or a bank or credit card statement tied to a UK address. And, this is a major stumbling block for those new to the UK, expats, and non-residents. Not surprisingly, every bank has slightly different requirements when it comes to what documents are deemed “acceptable” as proof of address. What Proof of Address Documents Are Accepted In the UK? So, choosing the right bank is extremely important, especially if you have limited documents available. That said, some banks will have additional requirements and may (or may not) accept “alternative” documents depending on your client profile. This is an important point because failure to provide a valid proof of address is one of the top reasons applicants are rejected for personal accounts in the UK. And, many non-residents are unsure about how to even acquire a proof of address that will be accepted by UK banks. Of course, while this is a shortlist, many requirements hide behind these documents.įor example, it’s extremely difficult for non-UK residents to obtain valid proof of a UK address if they don’t legally reside in the UK.
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