As per FINTRAC guidelines, the verification documents need to adhere to the following requirements:
- documents or information from a reliable source that contain the individual’s name and date of birth;
- documents or information from a reliable source that contain the individual’s name and address; or
- documents or information that contain the individual’s name and confirms that they have a deposit, credit card or other loan account with a financial entity.
The combination of the two uploaded documents must meet one of the following:
- You refer to one source to verify an individual’s name and address and a second source to verify their name and date of birth.
- You refer to one source to verify an individual’s name and address and a second source to verify their name and confirm a financial account.
- You refer to one source to verify an individual’s name and date of birth and a second source to verify their name and confirm a financial account.
Documents or information to verify name and address
Examples to verify name and address:
- Canada Pension Plan (CPP) statement
- Property tax assessment issued by a municipality
- Provincially-issued vehicle registration
- Benefits statement issued by federal, provincial, territorial, and municipal levels
- Notice of assessment
- Requirement to pay notice
- Installment reminder / receipt
- GST refund letter
- Utility bill (for example, electricity, water, telecommunications)
- Canada 411
- T4 statement
- Record of Employment
- Investment account statements (for example, RRSP, GIC)
- Canadian credit file that has been in existence for at least 6 months
- Travel visa
Documents or information to verify name and date of birth
Examples to verify name and date of birth:
- Canada Pension Plan (CPP) statement of contributions
- Original birth certificate
- Marriage certificate or government-issued proof of marriage document (long-form which includes date of birth)
- Divorce documentation
- A permanent resident card
- Citizenship certificate
- Temporary driver’s licence (non-photo)
- Insurance documents (home, auto, life)
Documents or information to verify name and confirm a financial account
Examples to verify name and confirm a financial account:
- Credit card statement
- Bank statement
- Loan account statement (for example. mortgage)
- Cheque that has been processed (cleared, non-sufficient funds) by a financial institution
- Telephone call, email or letter from the financial entity holding the deposit account, credit card or loan account.
- Identification product from a Canadian credit bureau (containing two trade lines in existence for at least 6 months)
- Use of micro-deposits to confirm account