3 ms·

You can open an account without actually going to a bank in person with your ID card? Where the hell can you do that?

discordance 5y ago
Not sure about the US, but in Australia you can register a new bank account in a few mins online. Up, :86400, Hay… etc
meowster 5y ago
In the U.S., I've opened all of my checking accounts and credit card accounts online. The only thing I've ever had to do in person was sign for a home mortgage.
adrr 5y ago
Online banks let you do it.
JCharante 5y ago
Charles Schwab (Bank) is great and entirely online
pjc50 5y ago
US doesn't have ID cards. Although people are trying to mandate them for voting.
- mikecoles 5y ago
  The US has passports. The states do. They're called a driver's license. IDs are also issued to those that don't drive. It's a great idea to have for financial security. It's an even better idea to require them for election security.
- ajsnigrutin 5y ago
  So... how do you identify yourself? I mean.. what's stopping me from saying I'm Jeff Bezos and that I'd like to withdraw a million or two?
tomp 5y ago
Recently a lot of EU/UK banks allow you to open an account simply by shooting one or two videos from your phone. You usually have to say something specific (to prove it wasn't a pre-recorded video) and also show your ID card / passport as identification, but that's it!
- abecedarius 5y ago
  Have they not heard of deepfakes? Or is that still harder to pull off than I thought?
  - hollerith 5y ago
    This is one example (another one is allowing people who cannot read or write to create legally-binding video statements) where it would be handy to be able to prove that a particular video came straight from a camera. This falls under the general heading of "remote attestation" technology (as the person I am replying to probably already knows).
- ajsnigrutin 5y ago
  that's weird... you can do some stuff here over the phone, but it's a videocall, and you have to record your documents from all angles, but that's for existing customers with a registered phonenumber and banking app. new account is in person only

Not sure about the US, but in Australia you can register a new bank account in a few mins online. Up, :86400, Hay… etc

In the U.S., I've opened all of my checking accounts and credit card accounts online. The only thing I've ever had to do in person was sign for a home mortgage.

adrr 5y ago

Online banks let you do it.

JCharante 5y ago

Charles Schwab (Bank) is great and entirely online

pjc50 5y ago

US doesn't have ID cards. Although people are trying to mandate them for voting.

mikecoles 5y ago
The US has passports. The states do. They're called a driver's license. IDs are also issued to those that don't drive. It's a great idea to have for financial security. It's an even better idea to require them for election security.
ajsnigrutin 5y ago
So... how do you identify yourself? I mean.. what's stopping me from saying I'm Jeff Bezos and that I'd like to withdraw a million or two?

tomp 5y ago

Recently a lot of EU/UK banks allow you to open an account simply by shooting one or two videos from your phone. You usually have to say something specific (to prove it wasn't a pre-recorded video) and also show your ID card / passport as identification, but that's it!

abecedarius 5y ago
Have they not heard of deepfakes? Or is that still harder to pull off than I thought?
- hollerith 5y ago
  This is one example (another one is allowing people who cannot read or write to create legally-binding video statements) where it would be handy to be able to prove that a particular video came straight from a camera. This falls under the general heading of "remote attestation" technology (as the person I am replying to probably already knows).
ajsnigrutin 5y ago
that's weird... you can do some stuff here over the phone, but it's a videocall, and you have to record your documents from all angles, but that's for existing customers with a registered phonenumber and banking app. new account is in person only