Quick answer
Your client needs a current, government-issued photo ID to complete an APLYiD verification. A passport, driver licence or national ID card from almost any country will work.
If they don't have one, APLYiD can't verify them. Check whether they have any other current government photo ID. If they don't, verify them another way under your own AML/CFT programme, for example with certified copies of their documents.
Which IDs are accepted?
ID | Accepted? |
Passport from any country | Yes |
Driver licence | Yes |
Government-issued national ID card | Yes |
Other government photo cards, e.g. NZ Kiwi Access Card, NZ firearms licence, Australian proof of age or photo card | Yes |
Non-government ID, e.g. a student ID | No |
Any expired ID | No |
Over 16,000 types of government-issued photo ID are accepted. With an ID from outside your region, your client's details may not be checked against data sources. See Can I verify a client who is overseas or has a foreign ID?
What are the options if my client has no accepted ID?
1. Use another current government photo ID
Ask your client whether they have any other current government photo ID, such as a passport, a driver licence or an ID card from another country. Any of these can be used in the verification.
2. Run a manual verification, if you've sighted an NZ or Australian licence or passport
If you've seen your client's NZ or Australian driver licence or passport in person, or as a certified copy, you can check its details with a manual verification. See How do I run a manual verification?
Manual verification can't be used with other documents, such as a bank statement, utility bill or birth certificate.
3. Verify your client outside APLYiD
If neither option works, verify your client under your own AML/CFT programme. This often means collecting and assessing documents such as:
certified copies of their ID documents, certified by a trusted referee
a birth certificate or citizenship certificate
proof of address, such as a bank statement or a letter from a government agency
documents from an authorised representative, such as someone with power of attorney
APLYiD doesn't process these documents, so keep them in your own records. Check with your compliance manager about what your programme requires.
For future transactions, the most efficient solution is for the client to obtain a valid passport or driver's licence. This will allow them to complete APLYiD verification quickly and without additional manual steps.
My client's ID has expired
Expired IDs aren't accepted. If your client uses one, the verification goes to Review, so you can decide whether to reject it under your AML/CFT programme. Ask your client to use another current government photo ID, or follow the options above.
My client is under 18
Clients under 18 can be verified if they have a current passport or driver licence, but the verification may go to Review. Younger clients usually don't appear in other data sources, such as the credit bureau, so their details can't always be matched. If it does go to Review, check the result and decide whether to approve it under your AML/CFT programme.
Frequently Asked Questions
Can I upload a bank statement or utility bill to APLYiD?
No. APLYiD Core doesn't accept uploaded documents. Keep them in your own records.
My client has a foreign passport but no local driver licence. Can they be verified?
Yes. Send a verification as normal. See Can I verify a client who is overseas or has a foreign ID? for what can be checked.
My client's renewal is on its way. Can I use their old ID until then?
No. Wait until they have the new ID, or verify them another way.