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Why Do the Banks Have to Control and Verify the Customer´S Identity?

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Why Do the Banks Have to Control and Verify the Customer´S Identity? Why do the banks have to control and verify the customer´s identity? According to Norwegian law, banks are required A valid passport is the main foreign-issued to comply with the customer due diligence stan- document accepted as reliable proof of identity. dards. Banks are obliged to identify and know National identify documents used in the EU as their customers. The identity of the customer travel documents may also be accepted as proof has to be controlled by verifying the customer’s of identity at banks, if their authenticity can be official identity documents. The bank also has to verified, but also citizens of the EU countries ascertain sufficient information on the customer’s may be asked for further documents to support activities, so as to confirm where incoming money identification. The bank must be able to reliably originates from and the purported use of the identify the customer from the identity document banking relationship. provided. Acceptable proof of identity Basic banking services Before establishing a banking relationship, the In addition to the identification documents that bank must verify the potential customer’s identity meet the Anti Money Laundering laws’ demands from a reliable source, such as identity documents in regards to both content and quality, FSA has issued and registered by official authorities. accepted that some other documents are ”suf- ficient” in order to establish ”basic banking The following documents are considered services”. reliable proof of identity for banking purposes in Norway, providing the documents are valid When establishing a customer relationship with and issued by the proper authorities: a Norwegian bank there is a distinction between 1) National Passport ”basic banking services”, and”extended banking 2) Norwegian refugee travel document services”. (Reisebevis for flyktninger) 3) Norwegian immigrants passport Basic banking services refers to an ordinary bank (Utlendingspass) account and regular payment services that are 4) Norwegian payment card with photo necessary to complete daily tasks, and pay bills/ identification cover costs. (No payment card with a photo and 5) Norwegian driving license identification details, or BankID – banking – issued after 1.1.1998 credentials). 6) National EU identity cards 7) Norwegian post identity card The documentation that can be used to provide – Issued after 1.10.1994 access to basic banking services will be presented on the next page. Documentation that provides access to banking services: ASYLUM SEEKER SCHENGEN STANDARDIZED PAYMENT CARD WITH REGISTRATION CARD RESIDENCE CARD PHOTO IDENTIFICATION An asylum seeker registration card The residence card is sufficient (NORWEGIAN) may be used as documentation for documentation for establishing basic A payment card with photo and establishing basic banking services, banking services. It has to be supple- identification details can be used to if an assessment of the relevant card mented with written documentation establish ordinary banking services shows that the card inhabits all the of D-number/National ID-number. (not banking credentials such as formal qualifications needed according another payment card with photo and to AML legislation The card can also be used as identification details or BankID). supplementary documentation with a national passport to access expanded banking services and banking credentials. NATIONAL EU IDENTITY MINISTRY OF DEFENCE CARDS ID-CARDS National identity cards issued in Norwegian Ministry of Defence ID- EU countries can be accepted as NORWEGIAN DRIVERS cards. These cards come in two documentation for establishing LICENSE variations. Red card for military ordinary banking services (not Norwegian drivers license, issued after employees and blue card for banking credentials such as BankID, 1.1.1998 can be used for establishing conscripts. These cards and can be and payment card with photo and ordinary banking services (not banking used to establish ordinary banking identification details). To access credentials such as payment card with services (not banking credentials such expanded banking services a national photo and identification details or as payment card with photo and passport must be shown. BankID). identification details or BankID) DOCUMENTATION THAT PROVIDES ACCESS TO ORDINARY BANKING SERVICES AND PAYMENT CARD WITH PHOTO AND BANKID; When first issuing a payment card with photo identification and/or BankID the financial institutions identity verification checks have to be based on the basis of a submitted valid Norwegian passport, documents equated with a Norwegian passport, or a foreign national passport. Norwegian passports and documents equated with a POSTAL ID-CARDS Norwegian passport include three types of documents: Postal ID-cards issued after 1.10.1994 Ordinary Norwegian passports (red), Immigrants passport are valid as identification, and can be (dark blue) and Refugee travel document (dark green). used to establish ordinary banking The documents must be valid, but the period of validity services (not banking credentials such has no significance in regards to the validity of the banking as payment card with photo and identi- credentials that are issued. fication details or BankID) When issuing a credit card with photo ID, documentation showing legal residence in Norway must be presented. .
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