A topic covering forms of ID required by banks.
Yes, well without wanting to go in to politics too much there was supposed to be a UK-wide identity card which came in but it became toxic because of āthe databaseā 
. As if there arenāt already dozens of databases held by the government on all citizens.
I thought it was ridiculous then and I still think it was ridiculous looking back.
Eye-watering at Ā£85 online.
Got me looking at the most efficient method of gaining photo ID.
Post Office pass card is Ā£15 online. Accepted throughout the UK (and I bet no one you know has got one 
).
Shouldnāt even be considering this really, should you?
Disappointingā¦.
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And the cost, to be fair - Ā£93, which included a passport, or Ā£30 for a stand alone card (2005 prices).
The proposal was also for local shops to gather the information (fingerprints and photos) - Iām sure that would put people off these days.
I think the problem with introducing one now is technology. Any huge technology undertaking started now will be out of date by the time itās implemented.
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I was (and am) in favour of a national ID document, but Ā£30 back then was a fair chunk of cash just to be able prove something I could already prove without it.
Passports are expensive, and while Driving Licenses are relatively inexpensive, you have to hand over your home address just to prove your age and/or identity. It doesnāt sit well for me in this day and age.
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Agree, it needs to be free or certainly no more than a tenner. My wife has an expired provisional license, and she is toying with the idea of learning to drive, so I think perhaps thatāll be the option which solves this particular problem for us.
I still think itās poor of Chase to just not accept - as most high street banks seem to - that your name doesnāt change everywhere itās present in an instant.
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She can get a provisional driving license with no intention to drive. Many have them just as ID.
If I were her, I would take this route
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Of course, the point is she has valid photo ID which she can travel and vote with (when supplemented with our marriage certificate). No other bank has insisted she gets her photo ID updated, the process of doing so isnāt free and Chase arenāt willing to pay for it. Itās not on, IMHO.
Itās likely age discrimination as older folk tend not to have passports or driving licenses. On that basis, potentially illegal which is why a lot of places accept things like bus passes and a generally wider range.
Itās the same at Monzo and Starling too. Itās not that they wonāt allow access. Itās that itās not possible to automate and requires human intervention so it takes more effort and requires an additional documentation. To Chaseās credit, theyāre the fastest though.
According to Monzo, itās a regulatory requirement.
Starling barely support these kind of edge cases at all.
I expect it is, the issue is that it is discriminatory with the list of ID being so short. We have used our Electoral ID card for several banks and thatās something that everyone over 18 in NI can get free. Not just NI banks either.
Interestingly, you can use the NI Electoral Card to vote elsewhere in the UK.
Itās not age discrimination though, it doesnāt target anyone right? Arguably disproportionately affects them but the fact is a young person without either is in the same boat.
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It is indirect age discrimination, at both ends of the age spectrum as it affects them disproportionately. Older folk have the advantage that they can get bus passes (usually free) and they are accepted as photo ID in a lot of places. Younger folks donāt have that advantage and I could see a fair number having neither passport nor driving licence.
I think youād be shocked about the young people. I donāt know anyone my age who doesnāt have a passport. Only old people.
The group I know about have passports too (some have both now), but I donāt know if thatās representative right across the country.
Guessing the further you are away from London, Birmingham or Manchester, the lesser a chance of having a passport
But Iām guessing the further you are away from a metropolitan zone the chance of a licence goes up?
I donāt know that itās so much being in a city, although that probably helps, but I was thinking about having enough money to do the traveling in the first place. If youāre relatively well off, youāre more likely to travel.
Yeah, Iāve found that for kids living in cities, having a driving license is no longer assumed to be something that you should get.
Both, of course, really limiting for Chase. And the non-universal good broadband connections. When COVID kicked in, we were surprised to find that a number of people didnāt have any internet connection and indeed some didnāt have a TV either.
Now thereās an interesting line, āOnly old peopleāā¦ā¦.Mmmm, so at what age do you class as old? Iāve either been as a young child, on my parents passport, or Iāve been in possession of, a passport my whole life and Iām 56. Am I old? 
To be fair though, there are probably quite a number of people beyond say 70, who no longer have a passport borne simply out of the situation that as one gets on a bit, the insurance companies absolutely screw older people for cover, so they stop travelling overseas.
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I have one and so does my 84-year-old mother 
My 25-year-old niece doesnāt, though.
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