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Individual customers are required to provide certain information to complete identity verification. Fern oversees the entire verification process on your behalf, eliminating the need for you to manage it directly.

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Information collected

  • Legal first name
  • Middle name (optional)
  • Legal last name
  • Phone number
  • Nationality
  • Residential address
  • Date of birth
  • National ID issuing country
  • National ID number
  • Government ID issuing country
  • Government ID number
  • Government-issued identity document
  • Employment status
  • Most recent occupation (see Occupation codes)
  • Source of funds
  • Description of source of funds
  • Account purpose
    • If OTHER is selected, free text description of the account purpose is required
  • Expected monthly transaction volume (in USD)
  • Proof of address
    • Mandatory for access to SEPA rails
    • API makes it possible to provide this optionally; if not provided, Customer will not have access to SEPA rails
    • Fern-hosted KYC forms require the proof of address

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File Size Requirements

  • File size: Greater than 10KB and less than 5MB
  • Total API request size: Maximum 100MB
  • Image resolution: Minimum 200x200 pixels

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Additional Information Requests (RFI)

If Fern’s compliance team needs additional information during the verification process, the customer status will change to NEEDS_ADDITIONAL_INFORMATION, and the customer will be contacted directly via email. Common RFI scenarios for individuals:
  • Expired or unclear government ID
  • Additional proof of address needed
  • Verification of source of funds
  • Enhanced due diligence for high-risk profiles
Customers can submit additional documents through the same verificationLink provided in the initial response. Typical time to approval: Less than 10 minutes, unless we receive an RFI from partners (which requires manual intervention)