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If you are opening a new account or product, Norwich & Peterborough may ask you to provide proof of your identity and address. Depending on the type of account being opened we may ask you to provide further documentation
THIS APPLIES TO BOTH NEW AND EXISTING CUSTOMERS.
Since the introduction of the Money Laundering Regulations 1993, it has been a legal requirement for all providers of financial products and services to have identification procedures in place. The procedures are also to protect both you and us against financial crime.
Money laundering is the method criminals use to disguise the money they make from their crimes.
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 duringan 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.
If you are an existing customer your identification may not need to be reverified.
If you are a new customer or if you are an existing customer and an identification exemption does not apply, 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.
Electronic verification is undertaken for most customers but 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, non UK residents or business accounts.
If paper identification documents are required you will be informed of the number of documents you will need to provide. Below is a list of the documents we will accept for personal identification and address verification. Please note internet documents are not acceptable.
A minor (aged under 18) must provide identification documents. If the account is being opened in trust for a minor (aged under 18) named as the beneficiary no address verification is required for the minor.
We will take copies of any documentary evidence you provide to us and retain these for our records.
If you are applying for an account via the 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.
We require all paper identification documents to be certified by a solicitor, an accountant or bank/building society staff.
The words ‘certified true copy’ must be clearly written or stamped on each document, which should then be signed and dated by the certifying party. Certified copies must include the full name, qualification, job title, business name, address, telephone number for the certifying party.
You, your relatives or any other person named on the account cannot certify the documents.
If you are a non-UK resident you must apply for your chosen product or service in person at one of our branches.
As evidence of personal identification you must provide your passport or, for EU nationals, a national identity card.
For address verification you will need to provide the name and address of your bank in your normal country of residence that will be able to provide a reference for you.
We will not be able to provide any account or service until we have received a satisfactory reference from your bank.
This table sets out the documentation we will need to see and copy before processing an application.
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Yorkshire Building Society
Norwich & Peterborough Building Society and N&P are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Principal office of Yorkshire Building Society: Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ
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