Frequently Asked Questions

What is DirectID?

DirectID helps businesses help you. We help you prove to them that you are who you say you are. You save the time and hassle of physically going to a branch or sending your documents in by snail mail.

DirectID is a service provided by the The ID Co., the trusted internet identity company. It helps you prove your identity using your online bank accounts and credit bureau information.

Why do you need my bank details?

DirectID uses the trust you have with your bank to prove you are who you say you are. You are asked to enter your online bank login details because this proves you – and you alone - have secure access to the account. Your bank verified identity is important because your bank knows you better than anyone else and your financial accounts, income and spending patterns relate to you as a specific individual.

How do you access my bank account?

DirectID works with our ultra-secure data provider, Envestnet Yodlee - a market leading data aggregation service renowned for its security - to handle this part of the process. With over 14 years' experience, Yodlee looks after the data, internet banking and payment solutions of leading banks globally.

This means no one ever has access to your credentials and your account is always safe. When you login to your bank account via DirectID, neither we nor the business requesting verification will ever see, store or have access to your credentials.

How do you use my information?

DirectID will only share your information with the business requesting it. By using the DirectID service you are consenting to share your information with these businesses to access their products or services. This information may include:

  • Your personal information
  • Financial profile and bank transaction data
  • Bureau or Credit Reference Agencies data

We may contact you regarding your identity check but we will never sell or share your information to anyone else.

For more information please see our Privacy Policy.

How do you secure my data?

DirectID keeps your data safe by employing the most stringent security and privacy methods currently used by the world’s leading banks. All transaction data is encrypted to enterprise level and access to your bank information is always read only.

Why can't I access my accounts?

Sometimes our data provider encounters an issue accessing an account or the bank selected is not yet fully supported. This is often temporary and may be resolved by refreshing the link or starting again. If this does not work, please contact the business requesting verification.

I can't find my bank, what do I do?

DirectID supports over 4,500 banks across the world. When searching for your bank please ensure you try entering the partial or full name.

If you still cannot find your bank please contact the business checking your identity as they may be able to suggest an alternative.

How do I request my information?

If you have been denied credit which your lender has told you was based on information provided by DirectID, you are entitled to receive a copy of the information we provided, at no cost. Request your information here.