Banking - Halifax

I applied to open up a savings account count with Halifax and they didn’t ask me for ID when I applied via online. Is that normal. I have accounts with other banks but not with Halifax.

Reply 1

martin7

Original post by Kiki_3

I applied to open up a savings account count with Halifax and they didn’t ask me for ID when I applied via online. Is that normal. I have accounts with other banks but not with Halifax.

A lot of banks now do electronic checks of your identity, particularly for savings accounts. Only if those aren't satisfactory will they ask for physical proof of id.

Another possibility -- do you have an existing account with another part of the Lloyds Banking Group? LBG includes Lloyds Bank, Halifax, and Bank of Scotland among others -- see https://www.lloydsbankinggroup.com/who-we-are/our-brands.html

(edited 2 months ago)

Reply 2

Kiki_3

Original post by martin7

A lot of banks now do electronic checks of your identity, particularly for savings accounts. Only if those aren't satisfactory will they ask for physical proof of id.
Another possibility -- do you have an existing account with another part of the Lloyds Banking Group? LBG includes Lloyds Bank, Halifax, and Bank of Scotland among others -- see https://www.lloydsbankinggroup.com/who-we-are/our-brands.html

But I applied for student account with them and they didn’t ask either, I don’t have any accounts that come under loyds.

Reply 3

martin7

Original post by Kiki_3

But I applied for student account with them and they didn’t ask either, I don’t have any accounts that come under loyds.

https://www.halifax.co.uk/assets/pdf/securityandprivacy/pdf/personal-information-and-identity.pdf states, on the "Checking my identity" page (3rd page of the pdf), "Sometimes we may ask you to provide physical
forms of identity verification when you open your account, or we may be able to search credit reference agency files to assess your application."

This implies, at least, that providing physical proof of identity is not always necessary.

Having the accounts with other banks might have left a sufficient footprint that Halifax didn't feel it necessary to see physical documents. Other things likely to help would be being the electoral register and having lived at the same address for 3 years or more.