As far as I remember, but I signed up a few years ago, I had to got through video chat and show my id (moving it into the light to make the security features sh

As far as I remember, but I signed up a few years ago, I had to got through video chat and show my id (moving it into the light to make the security features shine, etc) there. I'm not sure how efficient it is, but it's not as bad as your parent implies. It was about the same procedure as for N26. Orange Bank on the other hand just asks for scans.