It’s all over the place. A UK bank i’d been with 7+ years for a business savings account suddenly started demanding ID or they would “limit” access (lock my money up until I dance to their tune). They already have all this. My identity nor address have changed in 15 years. The account is super low activity savings. Zero possible red flags.

The verification process started out as “just a photo of my driving licence” - turned out to be a video recording of my whole environment with no obvious previous mention or disclaimer of this. Then the requirement for a “quick selfie” suddenly appeared (pretends to be a photo but is full video again), I complied up until the “do you want your data processed by AI or the lowest bid in India?”

I noped out there, moved all the cash straight out (6 figures) and closed the account. They are now on my personal “blacklist”.

Opened a new building society account, which is all paper based for ID. I shall be opening many more such building society accounts that only deal in paper for ID purposes in the coming weeks.

I especially hate it when there is absolutely zero recourse! In some cases you can go to the competition and in some you have no other option because some aspects of the service is setup as a monopoly or high friction exit process. I’m personally against any black box decision making that would disrupt someone’s life in any way.

Out of pure curiosity, which UK bank was it?