Account verification
Verification, usually called KYC, confirms that the account belongs to an adult and that funds go to the right person. It is the step that raises the most questions, almost always for the same handful of reasons.
Three documents, no more than that
The file rests on a valid ID document (passport or driving licence), a proof of address less than three months old (an energy bill, a council tax statement, a tenancy agreement) and proof of the payment method. For a bank card, a photo of the front with the eight middle digits covered is enough. For a crypto wallet, a screenshot of the receiving address does the job. Nothing else is asked for in the ordinary run of things.
What gets a file rejected
Four reasons account for nearly every rejection. The photo is blurred or catches the light, and the characters become unreadable. The corners of the document are cropped, when all four have to sit inside the frame. The document has expired, even by a few days. And the name on the proof of address does not match the name on the account exactly, which happens often when a bill is in a partner's name.
A photo taken flat, in daylight, with no flash and with the document out of its plastic sleeve, goes through first time in the vast majority of cases. A PDF scan works just as well.
Once only, then it is behind you
Approval is asked for once, usually at the first withdrawal. After that, later requests go through with no further paperwork. A one off check can come back if you move house, if your ID document is about to expire or if you add a payment method we have not seen before, but it never starts again from scratch.