As money is a sensitive matter, Sumeria is legally required to make some checks.The Banque de France's ACPR (namely "Autorité de Contrôle Prudentiel et de Résolution") makes this very clear.

The obligation to know the customer

When the account is created, the customer will be asked to prove and complete the identity he has declared, using supporting documents.

While most of the customers concerned will be able to simply follow the identity verification process in the application, Sumeria may also ask certain customers to provide additional supporting documents, such as a tax assessment, payslip or proof of address.

The obligation of vigilance must be proportional to the use of the application. A customer who receives more than €4,000 on one of his accounts, for example, will have to justify the source of the funds. If this sum is regular, it will not be necessary to explain each time. Once will suffice.

Types of proof of residence accepted

In some cases, the customer will be asked to provide proof of address.

Here are some examples of documents customers can use:

  • Bank statement (no more than 3 months old)
  • Water, electricity, gas, internet or phone bill (no more than 3 months old)
  • Home insurance receipt  - fire, rental risks or civil liability (from within the past 12 months)
  • Tax assessment or tax exemption certificate (from within the past 12 months)
  • Rental payment receipt  - it must not be handwritten  

The document must be less than one year old, contain the first and last name of the customer and be visible in its entirety (including borders).

If customers don't have proof of address in their first and last name, they must send all of the following documents:
- Proof of address of the person hosting the user;
- Handwritten proof of accommodation signed by the person whose name appears on the proof of address;
- Identity document of the person who signed the proof of address. It must contain the page with the signature if it is a passport.

Validation and deadline

While identity documents are uploaded in-app, proofs of address are to be sent via email:

Consequently, it may take a little longer for them to get approved. Customers will be notified via email once the validation process is over.

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