Personal KYC happens during Account Activation after you sign up. See How to open a personal account for the full flow.
Step 1: Enter your details (onboarding step 2)
In Customer details you type:
- Personal information (name, nationality, date of birth, income, PEP status)
- Identity document details: type (ID, passport, or residence card), document number, issuing country
- Professional activity
- Residence address (street, number, postal code, city)
Step 2: Verify your phone (onboarding step 3)
Confirm your registered phone with a one-time SMS code.
Step 3: KYC and address confirmation (onboarding step 4)
Tap Start KYC Verification and follow the on-screen steps with our identity provider.
- If you are not a Spanish tax resident: after KYC you complete the tax residence declaration (electronic sign via SMS code). This confirms you are not tax resident in Spain.
- If you are a Spanish tax resident: complete Start KYC Verification only.
Step 4: Activate IBAN (onboarding step 5)
Sign the account contract and complete SEFIDE provider consent via SMS code.
If our team asks for more
During review, compliance may request additional documents in the app, including proof of address if needed. Open Profile → Documents and upload what is requested.
You will get an email when verification is approved or if we need more information.