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 "ex

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.