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They get ID sufficient to prove the identify of the person opening the account and for banks to report suspicious deposits. Every account I've opened in the las
by neltnerb 8y ago
They get ID sufficient to prove the identify of the person opening the account and for banks to report suspicious deposits. Every account I've opened in the last two decades has scanned or made a copy of my ID and required my social security number. The US is my only experience with opening bank accounts though. I'm pretty sure it is required to provide ID to open a traditional bank account.
- mikeash 8y agoI’ve definitely opened several US bank accounts without visiting in person or sending a scan of my ID. They do attempt to verify your identity through other means, like asking about stuff from your credit report.
- mrsteveman1 8y agoSame here, and I think it's a better way to handle it. If the person opening the account is physically standing in the bank lobby, showing ID is strong evidence they are who they say they are. But accepting a scanned copy of an ID online is in many ways more risky than alternative verification methods, it only tells you that the person had access to a picture of an ID. It's assumed that would be difficult if they weren't who they say they are, but that's not a reasonable assumption and banks clearly know that. I wouldn't be surprised if identity thieves have access to real scans of IDs at this point. A lot of online services have been asking people to scan and upload them for things like "verifying" your Twitter or Facebook account, so people may not be as cautious about doing that as they should be.
- mikeash 8y agoIt has to be trivial to photoshop an ID scan, too. None of the fancy anti-forgery measures they have would help.