It is possible to open the bank account in Ukraine by the digital passport now

BankID is the system of electronic remote identification of citizens and the enterprises of Ukraine.

"On the basis of the BankID system the NBU hopes to create a single national system of remote identification which will help to develop electronic adminuslug and e-government in Ukraine. Such system will promote fight against corruption and transparency of providing these services. Of course, the purpose of the NBU — availability as it is possible the bigger number of services for all users. For this purpose in the BankID system it is necessary to attract all solvent banks and state bodies. Thus, clients of any bank will be able to receive the maximum list adminuslug" — said in June, 2016 in National Bank of Ukraine.

The description of a system for June, 2016

As a system works

Identification of clients is carried out through bases of Internet bankings of commercial banks. At the same time the state acts as the owner and provider of BankID service (in the form of the central bank).

A system is arranged as follows. The user orders the necessary service on the website of the supplier, and for its receiving it will need to be identified in the BankID system. A system will redirect the user on the website of service — https://id.bank.gov.ua/ where that selects bank which will be its identifier.

After that the user logs in in the system of online banking of the bank and confirms the list of data to which provides access to a system – i.e. grants permission "show" to the Full Name system, a floor, scans of the passport and the identification code, a registration address, the contact phone number phone and so on. The user is identified on the portal – and receives service necessary to it on the state website.

The similar system of identification functions in Norway and Estonia and very there is popular. Experience of these two countries of the NBU studied before creation of service. Besides, during creation of a system of the regulator advised the central bank of Sweden — Riksbank.

Organizations participants

By the beginning of September, 2016 only two banks cooperate with service:

• Oschadbank and
• PUMB.

Applications for connection to BankID were also submitted by OTP Bank, UkrSibBank and Ukrsotsbank.

History

2020

The NBU permitted to open bank accounts using the digital passport

At the beginning of October, 2020 the National Bank of Ukraine simplified the procedure of remote identification and verification of bank clients with the digital passport in mobile application "Дія". Reports about it Mintsifra with reference to the statement of the regulator.

Now citizens at remote opening of the bank account do not need to show physically the ID card or the biometric international passport if they have the digital passport or the foreign digital passport in mobile application "Дія".

All Ukrainians who have biometric documents - the ID card and the international passport will be able to use this method. For this purpose they need to install the D_ya application on the smartphone and to be verified for obtaining the digital passport or the foreign digital passport using the BankID system of the NBU.

And here the bank will be able to use this method only after connection to the systems of the Ministry of digital transformation.

It is possible to open the bank account in Ukraine by the digital passport now

According to the NBU, now process of identification of the client in bank, for opening of the account, can look so:

• the bank will suggest the client to be identified in the D_ya application through BankID of the NBU;
• after successful identification at the client digital documents according to data of state registries will be displayed;
• through secure channels the bank will obtain data of the client and will in addition make the client's photo;
• after that the client will be able to use services of data.

Similar to the client will be able to provide the digital copy of documents and in bank department. But only those banks which will be connected to the system of the Ministry of digital transformation will be able to use such method.

Opening of the bank account by the digital passport in the NBU carried the following to advantages:

• ease of use;
• reliability for banks - such identification data are obtained from a reliable source;
• digitalization of processes and acceleration of customer service of banks.^[1]

Remote opening bank accounts in Ukraine

In the middle of April, 2020 it became known that the Ukrainian banks will be able to open accounts remotely. The National Bank of Ukraine (NBU)  permitted to carry out identification and  verification of clients without their direct presence at offices banks.

Banks will be able to use an innovation since   April 28  — after  becomes effective the law On  prevention and  counteraction of legalization  (washing) of income. It will be possible to open accounts, using video conference, BankID or the electronic signature.

It will be possible to open the account in banks of Ukraine remotely

Soon for opening of the account in  new bank the visit to  bank department or a personal meeting with  the agent of bank will become an excess step  — the director of the department of financial monitoring Igor Bereza whose words are cited in the message of the NBU noted.

Ukrainians will be able to select a reduced model of remote identification. Reduced models are more available to certain segments of the population, but provide restrictions for volumes of transactions and the account balances of clients.

Rather reduced models, they will be applied if for some reasons it is impossible to apply video conference and also on them certain limits will be set: the limit of account transactions from such account cannot exceed 40 thousand UAH a month and 400 thousand UAH a year, and the general remaining balance on all customer accounts should not exceed 40 thousand hryvnias.^[2]

 Treat reduced models:

• verification through BankID;
• verification with  the help the signature qualified elektronnub;
• implementation of payment on  the separate bank account from  the personal account of the client which is followed by instructions Full Name of the client;
• remote reading by the client of data from  the chip of the biometric document  using the NFC module of the smartphone and  the corresponding mobile application of bank;
• verification of data from  bureau of credit histories with  confirmation of the client through the password which arrived from  bank on  the financial phone number.

2016

Regulations on a system are approved

On September 3, 2016 became effective the resolution of the NBU No. 378 of August 30 "About the statement of regulations on a Single national system of electronic remote identification of BankID physical persons and legal entities of National Bank". Now rules of interaction of banks with the BankID system of the NBU and bodies providing administrative services and also an order of connection of subscribers to the BankID system are defined officially.

"Use of the BankID system for identification of clients of banks for the purpose of receiving together with administrative as well banking services should become the next stage of the project" — the director of the department of information technologies of the NBU Vladimir Nagornyuk noted.

Official start of service is planned for fall of 2016.

Test start of a system

In June, 2016 the National Bank of Ukraine announced creation of a Single national system of electronic remote identification of citizens and the enterprises — BankID. It is announced that this service will help Ukrainians to receive remotely administrative services from those state organizations which are connected to it. For example, to take the statement from RAGSA, the certificate of the submitted tax declaration or of family composition.

By the time of start of service in the list of the connected state institutions the Lviv city council, the Ministry of Justice and the Uniform state portal of administrative services.

"the NBU will execute only a role of the transitor of information, i.e. personal data of clients of banks will not remain for the subsequent commercial use. It will balance possibilities of players of all banking system that will promote expansion of a circle of participating banks of a system. Besides, the BankID system is safe for users, in it modern technologies of data protection are applied" — said in^[3].

As of June 8, 2016 only two banks cooperate with service:

• Oschadbank and
• PUMB.

Till July 6 the project passed test.

2015: PrivatBank and Oschadbank present a system

On April 20, 2015 it was reported that verification through BankID as the joint project of PrivatBank, Oschadbank and Yaniki Merilo within a month will become available on the website of the Dnipropetrovsk City Council. Besides, according to the IT director of PrivatBank Dmitry Dubilet, in parallel there is a process of integration of a system with the Lviv City Council, the Ministry of Internal Affairs and other government institutions.

"I consider that this very big event for Ukraine. This break in electronic control by the city" — he explained.

According to Dubilet, using BankID the user will be able not only to receive statements and different documents on the state websites in two clicks behind which it is necessary to stand in queues today, but also to pay any state services, the banking system of verification provides instant access to the card of the user.

At this time online verification of the user on government resources is possible only through the digital signature, however in Ukraine no more than 1.5 million digital signatures, the majority of which belongs to legal entities, are registered. Other citizens have no opportunity to undergo verification in couple of clicks. Meanwhile, banks store all information on their clients, including passport data which require in state structures. Access to this information also offers BankID.

According to Dubilet, initially the project was initiated as social — a system was developed especially for the Ukrainian state agencies as a component of future electronic government of Ukraine. However in addition to government institutions, such system of verification can also interest business companies.

"Online stores will be able significantly to increase conversion due to simplicity of identification and payment on the website. It is enough to user to visit the website through BankID and at once to get access to the card — it is not necessary to enter the card number, CVV and other details (at this stage a large number of buyers leaves)" —^[4] explained to Dubilet within the report on iForum^[4].

For April, 2015 only PrivatBank and Oschadbank are connected to a system, however in the future other financial structures also will be able to join BankID.

"For today all my colleagues in other banks positively estimate this initiative" — Dmitry Dubilet told.

Notes