Acceptable Proof of Identification

We are obligated under the Money Laundering Regulations to identify all our customers and associated persons (e.g., attorneys, beneficiaries, executors). Our identity checks are completed when you join PensionBee, change important personal details and during drawdown.

New customers

Whilst PensionBee relies on electronic identification verification as much as possible, there are situations where this is not possible. For instance, if you’ve just moved house, or you lived overseas until recently, our usual electronic checks may not be able to verify your identity electronically. In such instances we will normally require 1 document from one or both of Lists A & B in order to proceed with opening your account.

In certain circumstances we may also require that these documents are certified. You can read more about how to certify your documents here. In a situation where you’re unable to provide any of the documents on the list, we will provide further guidance.

Please note that while this is intended as general guidance there may be occasions, particularly when the requirements set out here cannot be met, where requirements will differ. Your BeeKeeper will always communicate with you in these instances to confirm what is required.

Drawing down customers

If you’re requesting a drawdown from your pension for the first time we’ll need to run further identity checks. As part of this, you may be required to complete a Facial Similarity Check which includes taking a selfie and uploading photo identification.

If we’re unable to verify your identity electronically in this way, we’ll normally require 1 additional document from each of Lists A & B. We may require these documents to be certified, so please speak to your BeeKeeper for confirmation of whether the documents you’ll be sending require certification. You can read more about how to certify your documents here.

Please note that while this is intended as general guidance there may be occasions, particularly when the requirements set out here cannot be met, where requirements will differ. Your BeeKeeper will always communicate with you in these instances to confirm what is required.

LIST A: Proof of Identity Documents

Type of identification Dated New customers Existing customers in drawdown
Certified copy required Certified copy required
Valid signed passport Not expired no no
Valid UK photocard driving licence Not expired no no
Valid UK residence permit/card (Residence permit issued by the Home Office to EEA nationals on sight of own country passport) Not expired no no
Valid old style paper driving licence Not expired yes yes

LIST B: Proof of Address Documents

Type of document Dated New customers Existing customers in drawdown
Certified copy required Certified copy required
Utility bill (gas, electric, landline) Dated within the last three months no yes
Local authority council tax bill Current council tax year no yes
Current UK driving licence (but only if not used for the DOB evidence) Not expired no no
Bank or Building Society statement (including an account opening confirmation letter) Dated within the last three months no yes
Original mortgage statement from a recognised lender Issued within the last three months no yes
Credit card statement Dated within the last three months no yes
Benefit statement Dated within the last three months no yes

Change of personal details

We understand that throughout life our personal details, like name and address, might change and that these changes will need to be reflected on your PensionBee account. There might also be occasions where our customers need to be able to provide access to their account to a third party, for example through a power of attorney document. In such instances we will generally need to verify your details again. Due to the sensitive nature of this type of request, please reach out to your personal BeeKeeper for further guidance on how to update your details.

How do I certify my documents?

PensionBee has set out a list of Approved Certifiers who can certify your documents for you. The list of Approved Certifiers is set out below. In order to certify a document, the approved certifier must have seen and physically handled the original document. The Certifier must then mark the copy of the document as a “certified copy” in the correct manner, physically sign the relevant page(s), add their name, position, the date, their stamp (as applicable), address and telephone number. If we receive certified documents without this information, we may be unable to verify the certification and therefore be required to reject the certification.

Approved Certifiers (UK)

  • A Post Office Official
  • Bank branch
  • Solicitor
  • Barrister
  • Chartered or Certified Accountant
  • Chartered Legal Executive (ILEX)
  • FCA Approved Person (e.g. IFA)
  • Notary Public (NB. only required where document is certified outside of the UK)

Have a question?Call our UK team020 3457 8444

Monday-Wednesday 9:30am-6pm,Thursday-Friday 9:30am-5pm