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So how do your prove that you are you, and how robust is that against fraud? I was under the impression that the UK had a really old fashioned and clunky consu

So how do your prove that you are you, and how robust is that against fraud? I was under the impression that the UK had a really old fashioned and clunky consumer bank sector. But that is just hearsay, so I might be wrong. The closest I've every been to a British bank, was getting a Curve credit card, where they wanted a picture of me and my passport. Which imo. Was hilarious and must be way to easy to forge.

intunderflow 3y ago
> The closest I've every been to a British bank, was getting a Curve credit card, where they wanted a picture of me and my passport. Which imo. Was hilarious and must be way to easy to forge. Yep, and this is standard operating procedure at pretty much every bank in the UK, and they wonder why they have to spend so much money on mitigating financial crime (not to mention employing people to review pictures of customers full time)...
- theshrike79 3y ago
  I've had friends be deadlocked getting an apartment in UK/Ireland 1. To get an apartment you need a bank account 2. To have a bank account you need to identify yourself 3. How do you do that? Provide them with a GAS BILL for your apartment - which you don't have. IIRC the deadlock in this case was solved by another friend loaning their bank account to bootstrap the system.
- tomatocracy 3y ago
  They do also check a few other things - eg that you are registered to vote at the address you give, and they also use credit reference agencies to check you "exist" with the same name and address. The face and passport thing is new and I'm not sure the traditional banks use it. There are some systems which ask for a video of you plus a photo of your passport (I think I used this for opening an account with Chase recently). But there is a bit of a problem "bootstrapping" this, especially for recent immigrants who aren't registered to vote and don't have any credit records yet.
einarfd 3y ago
I got interested in how it works in the UK, and I went looking for how one could log into government services. First I found the discountinued verified id system, and then the new gov.uk one login system. Which based on my understanding of them, both are eID systems. Limited in scope compared to systems that integrate with non governmental systems, but still eID systems.
- tomatocracy 3y ago
  Well it depends on what you mean by eID. Many government systems of course have ways to log in. But I would dispute that these are really ID systems. For example, to pay road tax for my car, the government send me a reminder letter in the post every year which has an 11 digit number on it. I can then log in to the DVLA website using this number and the car registration plate number (or alternatively I can do it using the serial number on the vehicle's "log book" and the registration number). When I renewed my son's passport, the log in used (I think) the old passport number and his date of birth and name. And so on. Each bit of government is only supposed to ask for what they need and no more.

intunderflow 3y ago

> The closest I've every been to a British bank, was getting a Curve credit card, where they wanted a picture of me and my passport. Which imo. Was hilarious and must be way to easy to forge. Yep, and this is standard operating procedure at pretty much every bank in the UK, and they wonder why they have to spend so much money on mitigating financial crime (not to mention employing people to review pictures of customers full time)...

theshrike79 3y ago
I've had friends be deadlocked getting an apartment in UK/Ireland 1. To get an apartment you need a bank account 2. To have a bank account you need to identify yourself 3. How do you do that? Provide them with a GAS BILL for your apartment - which you don't have. IIRC the deadlock in this case was solved by another friend loaning their bank account to bootstrap the system.
tomatocracy 3y ago
They do also check a few other things - eg that you are registered to vote at the address you give, and they also use credit reference agencies to check you "exist" with the same name and address. The face and passport thing is new and I'm not sure the traditional banks use it. There are some systems which ask for a video of you plus a photo of your passport (I think I used this for opening an account with Chase recently). But there is a bit of a problem "bootstrapping" this, especially for recent immigrants who aren't registered to vote and don't have any credit records yet.

einarfd 3y ago

I got interested in how it works in the UK, and I went looking for how one could log into government services. First I found the discountinued verified id system, and then the new gov.uk one login system. Which based on my understanding of them, both are eID systems. Limited in scope compared to systems that integrate with non governmental systems, but still eID systems.

tomatocracy 3y ago
Well it depends on what you mean by eID. Many government systems of course have ways to log in. But I would dispute that these are really ID systems. For example, to pay road tax for my car, the government send me a reminder letter in the post every year which has an 11 digit number on it. I can then log in to the DVLA website using this number and the car registration plate number (or alternatively I can do it using the serial number on the vehicle's "log book" and the registration number). When I renewed my son's passport, the log in used (I think) the old passport number and his date of birth and name. And so on. Each bit of government is only supposed to ask for what they need and no more.