Harbour Bank
IssuerVerifierNot accreditedFounding partnerSample listing
Sample bank that issues proof of account credentials and accepts identity credentials at onboarding.
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Use case
Open a bank account
Open an account more easily, wherever you are.
Trusted digital credentials let you prove who you are online, without needing to take physical identity documents into a branch.
Verified
Banking
Account opened
You’re all set and ready to start banking.
Name
VerifiedShared
Date of birth
VerifiedShared
Address
VerifiedShared
How it could work
- 1
Start your application
You apply to open a bank account online and choose to use trusted digital credentials to verify your identity.
- 2
Choose your credentials
Select the relevant credentials from your digital wallet. More than one credential may be required depending on what the bank needs to verify.
- 3
See what’s being shared
The bank shows you the information it needs. You review the request and consent to share the required information.
- 4
The bank verifies it
The bank verifies that the credentials are genuine and from trusted sources and completes its required identity and onboarding checks.
- 5
Account opened
Once the bank’s requirements are satisfied, your account can be opened without needing to present physical identity documents at a branch.
Why it matters
No branch visit
Open an account from wherever you are without having to present physical ID in person.
Less paperwork
No photocopying, scanning or repeatedly providing the same identity documents.
More control
See what’s being requested and share only the information required for the purpose.
Other financial use cases
Mortgage or loan
Help prove your identity and other information when applying for finance.
Insurance
Verify your identity when applying for a policy or making a claim.
Business banking
Use trusted personal and business credentials to help establish who you are, the business and your authority to act.
Everyday banking
Reuse trusted credentials when another financial service needs to verify you.
This pattern is led by MBIE and ASB with contributors from the Trusted Credentials Adoption Group. Each bank decides what it accepts under its own obligations.
Where you can do this
Wallets, issuers, verifiers and advisers taking part in this use case.
Kōwhai Wallet
Sample wallet listing used for development.
Tohu Verify
Sample verification provider for venues, retailers and building access.
Aotearoa Life
WalletAccreditation status being confirmed
A personal wallet app for holding and sharing verifiable credentials, available on Android and ClearPHONE.
