Required Documents
Learn which documents are required to onboard businesses and individuals in the United Kingdom (UK).
For onboarding steps, see UK Onboarding.
Corporate customers
Document requirements depend on the business entity type, whether electronic KYB (eKYB) is used, and whether additional verification is required.
Business documents
| Business Type | Document Type (Manual KYB) | Document Type (eKYB, when searchId is present) |
|---|---|---|
| ASSOCIATION | ASSOCIATION_DEED | ASSOCIATION_DEED |
| GOVERNMENT_ENTITY / SOLE_TRADER | BUSINESS_REGISTRATION_DOC | N/A |
| LIMITED_LIABILITY_PARTNERSHIP / UNINCORP_PARTNERSHIP | PARTNERSHIP_DEED | PARTNERSHIP_DEED |
| PUBLIC_COMPANY / PRIVATE_COMPANY | BUSINESS_REGISTRATION_DOC | N/A |
| TRUST | TRUST_DEED | TRUST_DEED |
Additional business documents
Submit additional documents when the standard business registration documents do not provide enough information for verification.
REGISTER_OF_DIRECTORS and REGISTER_OF_SHAREHOLDERS
Provide this document when the business registration document does not include directors or shareholders.
When using eKYB, this document is required if a new director or shareholder is added who is not returned by the Fetch Public Corporate Details request. If not provided, Nium will raise an RFI.
PROOF_OF_BUSINESS
Provide this document when no website is available. It helps Nium validate the nature of the business.
Accepted documents include product catalogs, brochures, business plans (preferred), contracts or agreements, store photos, or invoices describing business activity. Invoices should be recent and clearly reflect operations.
CORPORATE_STRUCTURE (Ownership Structure)
Provide this document when the company has a multi-layer ownership structure.
The document must clearly show shareholders, ownership percentages, and the ownership chain. This is used to identify Ultimate Beneficial Owners (UBOs).
Stakeholder documents
Stakeholders such as SIGNATORY, REPRESENTATIVE, UBO, TRUSTEE, or PARTNER must complete identity verification.
Electronic KYC (default)
Stakeholders complete verification using the Pre-built KYC form.
They must submit a live selfie along with a valid passport or national ID. If isPEP = true, source of wealth
documentation is also required.
Manual KYC
Manual verification is used when electronic verification fails or is not possible.
The applicant uploads a passport or national ID on behalf of the stakeholder. Documents must be clear, valid, and not submitted as black-and-white copies.
If Nium cannot verify the documents, an RFI is raised. The customer must respond using the Pre-built RFI Form.
SOURCE_OF_WEALTH
Provide this document when isPEP = true.
Submit a written explanation with supporting evidence such as bank statements, employment income, investment income, asset sales, inheritance, loan agreements, or business ownership documents.
PROOF_OF_ADDRESS
Provide this document when the address cannot be verified through submitted identity documents.
The document must be issued within 90 days.
CONTROL_PERSON_DECLARATION
Provide this document when no individual owns 25% or more of the business.
Individual customers
Individual applicants must complete electronic KYC using the Pre-built KYC form.
Required submission
Submit a live selfie with a passport (for non-UK individuals) or a passport or national ID (for UK or EEA individuals).
Additional requirements
POWER_OF_ATTORNEY
Provide this document when the applicant is not a director or authorized representative of the business.
SOURCE_OF_WEALTH
Provide this document when isPEP = true.