Most people are verified in minutes.
Like any bank or building society, we have to check who you are when you join. For most people this happens automatically the moment they apply, with nothing to send us.
Now and then the automatic check cannot quite confirm someone, and we need to see a document or two. If that is you, read on.
Sometimes we need a closer look
The automatic check works for most people, but not everyone. It often cannot confirm you if you have moved recently, or if there is a small difference in how your details are written down somewhere. It does not mean anything is wrong, and it is quick to sort out.
When this happens, we send you a text message with a secure link to upload two documents. That is all it takes.
Look out for a text from us
The link comes by text and takes you to ID-Pal, the secure service we use to collect documents. It is the only link you need, and you upload everything through it. If a text seems to be from us but you are unsure, call us first on 0131 225 9901.
Photo identity
Something with your photograph that proves who you are, such as a passport or photo driving licence.
Proof of address
Something recent that shows where you live, such as a council tax or utility bill.
Choose one from each list
Documents must be current, and anything with a date must be within the time shown. The same document cannot cover both, so if your driving licence is your photo identity, you will need something else for your address.
Photo identity
One of these, current and not expired.
- Current UK, EU or EEA passport
- Current passport from another country, with a valid UK visa
- Current full UK, EU or EEA photo driving licence
- Current full UK driving licence, old paper version
- Current UK provisional photo driving licence Members up to 25 years old
- Police warrant card
- UK Armed Forces identity card
- National Entitlement travel pass
- Student ID from a recognised body For the current academic year
- Blue Badge disabled driver's pass
- HMRC tax notification or correspondence Dated within the last 12 months
- Benefit or pensions letter confirming your right to a current benefit
- Current PASS card For example Young Scot, Validate UK or CitizenCard. Members up to 25 years old
Proof of address
One of these, dated within the last 3 months unless shown otherwise, and showing your current home address.
- Council tax bill Within the last 12 months
- Utility bill
- Current full UK photo driving licence
- Current full UK driving licence, old paper version
- Current UK provisional photo driving licence Members up to 25 years old
- Bank, building society or credit card statement
- Mortgage statement Within the last 12 months
- Benefit or pensions letter confirming your right to a current benefit
- HMRC tax notification or correspondence Within the last 12 months
- Student Loan Company, LEA or SAAS award letter Current academic year
- Recognised university or college acceptance or enrolment letter Current academic year
- Tenancy agreement Local Authority or Housing Association only
Joining someone under 18?
Different documents apply. For photo identity we can take a birth certificate, current passport, National Insurance letter, NHS medical card, or a stamped form from a partnership school (partnership pupils only). For proof of address we can take an Education Maintenance Allowance award letter, a letter of introduction from their school signed by the head teacher or deputy, child benefit or child tax credit documentation naming the applicant at their current address, or a parent or guardian's document from List B above. If you are not sure what will work, get in touch and we will talk it through.
How to get them to us
Almost everything goes through the ID-Pal link we text you. There are two backups for the rare case it does not fit.
Open the link we text you and upload both documents there. You can upload a PDF, or a photo of the actual document.
Your photo identity always goes through ID-Pal, it cannot be emailed. ID-Pal takes documents of up to five pages each, which is plenty for ID and most proofs of address.
Email that one
A bank statement can run past five pages. If your proof of address does, either use a shorter document, or email just that one as a PDF to contactus@capitalcreditunion.com.
Your photo ID still goes through ID-Pal.
Come and see us
Bring your two documents to our office and we will do it with you.
31 Dunedin Street,Edinburgh, EH7 4JG
A photo of you, too
When you send a photo of your photo identity, we also need a selfie of you holding it, so we can be sure the document is yours. The ID-Pal link walks you through both.
No screenshots
A screenshot of an online statement will not pass. Download it as a PDF instead, or take a photo of the paper document itself.
Clear and in full
Get the whole document in the frame, in focus, with all four corners showing. A blurry or cropped photo only slows things down.
Stuck, or not sure a document will work? Ask us before you send anything. It is quicker than a false start.