Frequently Asked Questions
To verify your identity, we can accept
- Valid passport
- Valid photocard driving licence (full or provisional)
- Recent evidence of entitlement to a state or local authority-funded educational or other grant
- Most recent HM Revenue and Customs Tax Coding Notification, Assessment or Statement (dated within the last year). If you are working and paying tax, the HMRC will send you a copy of your tax coding notification on request.
- A government-issued document that incorporates your full name and photograph and either your residential address or your date of birth
We then need something that has been sent in the post to your residential address.
- A bank or debit card statement which has been issued within the last three months (but not ones printed off the internet). If you don’t normally get these sent in the post, if you contact your bank, they can usually send you a one-off statement.
- Utility bill issued within the past three months (but not ones printed off the internet)
- Valid photocard driving licence (full or provisional)*
- Recent evidence of entitlement to a state or local authority-funded educational or other grant*
- Most recent HM Revenue and Customs Tax Coding Notification, Assessment or Statement (dated within the last year)*
- A government-issued document that incorporates your full name and photograph and either your residential address or your date of birth*
- VOID across it so that nobody could use it)
- A pre-printed pay-in slip
* We need two documents so you can’t use the same document to confirm both your identity and your address.
To verify your bank details, we need something from your bank which has your sort code, account number and account name printed on it e.g.
- A bank statement which has been issued within the last three months (but not ones printed off the internet). If you don’t normally get these sent in the post, if you contact your bank, they can usually send you a one-off statement. We can accept the same statement as both proof of your bank details and proof of your address.
- A voided cheque (in other words, one that you have scored through and written VOID across it so that nobody could use it)
- A pre-printed pay-in slip
We don’t recommend that you send us originals of personal documents in the post. However, you can send us certified copies instead.
Certified means that the person who copies your original document needs to confirm that they have seen the original document(s).
To certify a document, the certifier takes a copy of the document
On each page they need to include
- The statement (it can be stamped or handwritten) “I hereby certify this is a true copy of the original”
- The date (the certification must be within the last 6 months)
- Their signature
- If the copy of your photographic identification (e.g. passport) is not clear, they should also state that it is a good likeness of you.
They also need to provide their full name and designation (e.g. job title), badge/reference/registration number if applicable and clearly note their full address details and telephone number. This is because we need to be able to separately confirm their identity e.g. through a professional register
We can only accept documents certified by people with certain professions. They cannot be someone related to you. They could be a family friend and they need to be currently practicing (e.g. not retired)
The certifiers we can accept are:
- A judge or a magistrate
- A senior civil servant
- A serving police or customs officer
- A commissioner for oaths
- An officer of an embassy, consulate or high commission of the country or territory of issue of documentary evidence of identity
- A lawyer, notary public or legal executive who is a member of a recognised professional body
- An actuary who is a member of a recognised professional body
- An accountant who is a member of a recognised professional body
- A member of the Institute of Chartered Secretaries and Administrators
- A director or officer (working within the Legal or Compliance office) of a regulated financial firm
- The UK Post Office certification service, with details of the individual certifier
The certifier should sign and date each document, and state on each document
- Their name, address and telephone number
- The capacity in which they are certifying the documents
- Their firm if applicable
- Their badge/reference/registration number if possible
Unlike when you apply for a passport, the person certifying your documents doesn’t need to know you personally.
If you don’t know someone that you can ask either personally or professionally, the Post Office offer a certification service for a small fee.
We don’t recommend that you send us originals of documents such as a passport or drivers’ licence in the post. However, you may feel more comfortable sending us original documents such as tax notices or bank statements.
The account will remain open and any funds already received will remain invested. You can transfer to another account within BMO. However, you cannot add further payments to or withdraw funds out of the account (including transferring to another provider). Online access to your account may also be restricted.
If we don’t have proof of your bank details, then if you make a withdrawal, we send the proceeds to you by cheque to your registered address.
Please send them to us in the post to
BMO Asset Management Ltd
PO Box 11114
You can send them in at the same time as the “Update my Contact Details” form above but if you are sending them separately, then please make sure that you provide your account number.
Tax-efficient investing: How an early investment could benefit you in the long-term
Young people believe having savings is key to a successful life
Benefits of Investing
Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product