Sending a copy of Bank Statement

Jellybaby_1 · 18-06-2026 08:14PM #1

A few times over the last few weeks a family member has needed to produce a copy of his bank statement to prove I.D. He needed to update his I.D. for bank, building society, credit union, etc. His new passport hasn't arrived yet. He has no problem doing that and has already provided it, but I'm wondering if he just needed to show the top 'banner' bit which shows his name, address, account No., date etc. Advice appreciated.

amber2 · 18-06-2026 08:17PM

In Branch, He needs to produce an original, they take a copy and stamp it with original sighted. If he doesn’t want the body of the statement held of file for some reason perhaps it’s best to use another form of address verification, phone bill, EBS bill etc or order a p21 online.
Unless he is uploading a photo online maybe he can try to cover it but this may not be acceptable they may require some transactions to verify it’s a bank statement. Someone else may clarify.

Jellybaby_1 · 18-06-2026 08:36PM

Thanks. The BoI don't send out statements by post any more, only available online so wouldn't it look like a copy when printed rather than an original.

amber2 · 18-06-2026 08:46PM

https://www.boards.ie/discussion/comment/124561519#Comment_124561519

majority don’t post anymore that’s why they will need the full body of the statement to verify it is in fact a bank statement, this will be accepted as address verification even though it’s not theoretically posted but if you blank out the body it probably won’t be accepted. Equally if you forward on your bank statement to the relevant institution this will be accepted without printing it yourself.

Jellybaby_1 · 18-06-2026 08:48PM

Thanks for the replies. That clarifies it for me.

Dial Hard · 18-06-2026 10:48PM

I've blanked out the transactions on a bank statement required for proof if address recently with no issues. If PoA is all that's required then it's absolutely none of their business what you're doing with your money and possibly a breach of GDPR to require a full statement in this case. Different matter altogether if you were applying for a loan but that doesn't seem to be the OP's case.

Jellybaby_1 · 18-06-2026 11:29PM

No, no loan, just proof of I.D. Interestingly most agencies asked for 'a copy of your bank statement, however, on closer investigation we found one form from a Govt. agency asked for 'just the banner'.

Mick Tator · 19-06-2026 12:27AM

@Jellybaby_1 ************ The only time a full bank statement should be required is for a loan/mortgage application. I regularly have to provide proof of ID as I’m a ‘back-up’ signatory on several business accounts held by banks in London, NYC, Dublin and elsewhere.

I have never, ever, anywhere been asked for a bank statement as proof of ID.

The norm for proof of ID is a photocopy of a utilities bill (just the header) and your passport’s photo/address page. Some US banks have an issue with this as new Irish passports do not have a copy of a signature. (Irish banks don't seem to mind.) I overcame this quite easily by photocopying the passport alongside either my Public Services Card or my driving licence, both of which have photos and sigs. They would not accept a copy of my last passport, with signature, as it was out of date.

*************

Jellybaby_1 · 19-06-2026 03:08PM

Thanks Mick. This chap's passport is also out of date and also no driving licence/or car. Utilities are not in his name where he is living either, so he's pretty snookered until everything get sorted out. Anyway he automatically sent a full page of his bank statement off the other day and I was pretty annoyed that it was requested. I'll be warning him not to do that in future.

Hibernicis · 20-06-2026 02:25PM

I generally use Utility Bills for proof of address. There are three circumstances in which I have been asked for or decided to use Bank Statements instead:

Proof of Address only: I've had a couple of cases (international) where a bank statement was specified. My bank statements are electronic (PDFs) so I used a PDF editor to redact all financial transactions and other details e.g. IBAN before sending.

Proof of Address and IBAN. State Savings for example when redeeming an investment require "a bank statement header dated within the last 12 months" to verify name, address and IBAN. I again use a PDF editor to redact all financial transactions, balances etc.

Credit record: When applying for loans, credit cards etc I've been asked for 6/12 months financial statements. I've supplied these electronically but only where there is a secure upload facility provided, never by e-mail.

You are absolutely correct in the advice you are giving your relative, they should provide no more info than is necessary.

Jellybaby_1 · 20-06-2026 08:10PM

Thanks for your reply. Tech promised an easier life, but it isn't used by everyone. We try to help out but there are always complications.

Jim2007 · 20-06-2026 09:50PM

https://www.boards.ie/discussion/comment/124566621#Comment_124566621

Tech is not the problem, it a misunderstood civil liberties issue in the British Isles. Everytime anyone mentions implementing a national ID card the protests start…. The reality is that Irish & UK governments and businesses store more personal data on individuals in order to identify them than any other European country where national ID cards are the standard. And judging by how quickly people in the UK were triggered recently by the suggesting of interducing an ID card, it seems oppositon is as strong as every. ……… So it is what it is.

I have a Swiss ID card which I use all and under GDPR all Swiss business can store is your name plus your ID number, evey other field must be justified as being necessary for business. So for instance if a business does not need to deliver products to your address, they can't hold it on file and can't send you the usual marketing stuff etc….

A Pop Fans Dream · 20-06-2026 09:56PM

Bank statements are used for address verification, not identification. Utility bills can also be used.

Identification documents are typically passport or driving licence.

Guy1ncognito · 20-06-2026 09:58PM

https://www.boards.ie/discussion/2058439851/sending-a-copy-of-bank-statement

Yes, absolutely redact the finical transaction and ac no as they scan the document and your info will be on there data base.

Jellybaby_1 · 20-06-2026 11:28PM

https://www.boards.ie/discussion/comment/124566950#Comment_124566950

Does your I.D. card go out of date? That's the problem with this chap.

Sending a copy of Bank Statement

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