May 25, 2023
5 min read

Guide to Proof of Address 2023: Why It’s  Necessary and When It’s Mandatory

In recent years, the importance of verifying one's identity and address has become increasingly crucial in a variety of contexts. Whether you are opening a bank account, renting an apartment, or utilizing an automated one-click KYC solution like Togggle, providing proof of address is often a mandatory requirement. In this comprehensive guide, we will cover everything you need to know about proof of address, including examples, how to obtain it without bills (especially for our UK readers), and the various situations in which it is necessary.

What can be used as proof of address?

Proof of address is a document that verifies your current residential address. It must be issued by a reputable organization and should be recent, typically not older than three months. Some common examples of proof of address include:

  1. Utility bills (e.g., electricity, gas, water, or landline phone bills)
  2. Bank or credit card statements
  3. Council tax bills or statements
  4. Mortgage statements or rental agreements
  5. Government-issued documents (e.g., tax documents, benefits statements, or vehicle registration)

Please note that each organization or service may have specific requirements, so it's essential to check with them to ensure you provide an acceptable document.

Proof of address examples

Some examples of documents that can be used as proof of address are:

  1. A recent utility bill (less than three months old) displaying your name and address
  2. A bank statement (either printed or digital) with your name and address, also less than three months old
  3. An official government letter or document, such as a tax bill or benefits statement, that includes your name and address
  4. A signed and dated rental agreement or mortgage statement with your name and address clearly displayed

How to get proof of address without bills in the UK

For individuals who don't have utility bills or other common proof of address documents in their name, there are still options available. Here are some alternative ways to obtain proof of address in the UK:

  1. Use a bank statement: If you have a bank account, you can request a printed statement that includes your name and address, or you can download one from your online banking portal.
  2. Council tax bill: If you're registered for council tax, you can use your council tax bill as proof of address.
  3. Letter from your employer: A letter from your employer on company letterhead, confirming your employment and residential address, can serve as proof of address.
  4. HM Revenue & Customs (HMRC) documents: Documents such as a P45, P60, or tax notification from HMRC can be used as proof of address.

What counts as proof of address

To summarize, proof of address must meet the following criteria:

  1. Be issued by a reputable organization (e.g., a utility company, bank, or government body)
  2. Display your full name and current residential address
  3. Be recent, typically not older than three months
  4. Be accepted by the organization or service requiring proof of address

Conclusion

Providing proof of address is an essential part of various processes, including financial transactions, renting a property, or using decentralized KYC solutions like Togggle. Familiarizing yourself with the different types of documents that can serve as proof of address, as well as the requirements for each, can help streamline these processes and ensure a smoother experience.

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