We want to keep you and your money safe while you’re using Xe. One of the ways we do this is through a process called verification.
Typically, this process takes just a few minutes. Don’t worry. We’re here to help guide you through the process.
In this article, we’ll cover:
- Why do you need to verify me?
- How does it work?
- What is facial recognition and why is it needed?
- Troubleshooting
- What documents will you need from me?
Why do you need to verify me?
The information we gather during the verification process is used to protect the interests of Xe and our customers against financial crime.
We have a legal obligation to make sure you're genuinely who you say you are. It's as simple as that.
How does it work?
As part of this essential process to prove you are who you say you are, we will sometimes ask you to provide a proof of identity and a photograph of your face.
Occasionally, we will also need some additional information, such as a proof of address document or source of funds.
What we will need from you can depend on a number of factors, such as:
- The size of your transfer
- The country you are sending your money to
- The country you are sending your money from
All of this can be supplied online or in the app and we’ll check this to confirm your identity using safe and secure third-party verification services.
In most cases these checks are completed in real time and you’ll be ready to send money within a few short moments.
What is facial recognition and why is it needed?
Facial recognition is the process of verifying your identity using your face. Some of our checks can only happen once we have both a picture of your proof of identity, as well as a picture of you via our facial recognition service.
To do this, simply follow these steps:
- Select your document which you will use for verification
- Take a picture of that document
- Next, take a photo of yourself, ensuring:
- Your face is inside the selected area
- You keep a straight face
- You aren't wearing any glasses - That’s it. You should be up and running shortly.
Troubleshooting
This isn't my first transaction, why am I being asked to do this now?
To help you get your transaction completed as quickly as possible, we now stagnate our due diligence process. This means that from time to time, we may need to ask you for more information to support your transactions. As you continue to transfer with us, we may ask you for information such as the source of your funds, some more information about who you are or the purpose of your transfer.
By doing this, we ensure that you don’t have to deal with anything that is not strictly necessary for your purposes.
I don't have these documents with me, can I do it later?
We appreciate that these checks can sometimes appear at inopportune moments, and often you may not have these documents on hand.
Don’t worry. You can always select Do this later and come back to it at a more convenient time.
If you’ve selected this option and are looking to upload your documents, head to Track, where you should see an option to upload your required verification documents.
What documents will you need from me?
Our verification process will always explain what is required and how to provide it.
To ensure we can get you verified as quickly as possible and get your transfer confirmed, please also note the following tips:
- We can only accept images in colour
- Scanned copies will not be accepted on our platform
- We need to be able to see everything, so please ensure your image and information is not blurry and nothing is covered up
- If there’s information on the reverse side of your document, we’ll also need to see that
|
Important: All documents must be sent to us in English. We're unable to make any exceptions. |
Australia & New Zealand 🇦🇺 🇳🇿
You could be prompted to provide us with a valid proof of identity or address document.
Copies of documents must be in colour. Address documents must be dated within the last 12 months and identity documents must have a valid expiry date.
The table below explains which documents are acceptable for each submission:
| Document |
Proof of identity |
Proof of address |
|
Passport (photo and signature pages) |
 |
 |
| Australia or New Zealand’s driver’s license | |
|
|
National identity card (if photo is attached) |
|
|
| Utility bill | |
|
| Letter from a government agency | |
|
| Council rates notice or valuation | |
|
| Statement from any bank, building society or credit union | |
|
| Credit card statement | |
|
| Mobile phone bill | |
|
Canada 🇨🇦
You could be prompted to provide us with a valid proof of identity or address document.
Copies of documents must be in colour. Address documents must be dated as instructed and identity documents must have a valid expiry date.
The table below explains which documents are acceptable for each submission:
| Document |
Proof of identity |
Valid address document? |
| Canadian driver’s license | |
|
| Passport (photo and signature pages) | |
|
| National identity card (if photo is attached) | |
|
| Any statement issued by a Canadian government body (federal, provincial, territorial or municipal) | |
|
| CRA Notice of Assessment | |
|
| GST refund letter | |
|
| Utility bill (must be dated in the last 3 months) | |
|
| T4 statement | |
|
| Investment account statements (RRSP, GIC, etc.) | |
|
| Birth certificate | |
|
| Canada Pension Plan statement of contributions | |
|
| Marriage certificate | |
|
| Divorce document | |
|
| Credit card statement | |
|
| Citizenship certificate | |
|
European Union 🇪🇺
You could be prompted to provide us with a valid proof of identity or address document.
Copies of documents must be in colour. Address documents must be dated in the last 3 months and identity documents must have a valid expiry date.
The table below explains which documents are acceptable for each submission:
| Document |
Proof of identity |
Proof of address |
| Passport (photo and signature pages) | |
|
| Photo driving license | |
|
| National identity card (if photo is attached) | |
|
| Utility bill | |
|
| Bank statement | |
|
| Local or national tax authorities letter | |
|
| A solicitor’s letter confirming completion of recent house purchase | |
|
| Provisional driving licence | |
|
| Credit card statement | |
|
United Kingdom 🇬🇧
You could be prompted to provide us with a valid proof of identity or address document.
Copies of documents must be in colour. Address documents must be dated in the last 3 months unless otherwise stated, and identity documents must have a valid expiry date.
The table below explains which documents are acceptable for each submission:
| Document |
Proof of identity |
Proof of address |
| Passport (photo and signature pages) | |
|
| Photo driving license | |
|
| National identity card (if photo is attached) | |
|
| Utility bill | |
|
| Bank statement | |
|
| Council tax bill (for the current tax year) | |
|
| Income tax self-assessment letters | |
|
| Local or national tax authorities letter | |
|
| Electoral register entry | |
|
| Provisional driving licence | |
|
| Credit card statement | |
|
United States of America 🇺🇸
You could be prompted to provide us with a valid proof of identity or address document.
Copies of documents must be in colour. Address documents must be dated in the last 3 months and identity documents must have a valid expiry date.
The table below explains which documents are acceptable for each submission:
| Document |
Proof of identity |
Proof of address |
| Passport (photo and signature pages) | |
|
| driver's license | |
|
| State identification card | |
|
| Utility bill | |
|
| Current lease agreement | |
|
| Bank statement of a checking or savings account | |
|
| Any statement issued by a US government body (federal or state | |
|
| Insurance document | |
|
| Credit card statement | |
|
| Old lease agreement | |
|